Premier

HSBC

Sign-up Bonus

50K points after $4K in the first 3 months$0 introductory annual fee for the first year

3XGas Stations3%

3XGrocery Stores3%

2XTravel2%

1XAll other purchases1%

Highlighted categories return more than 2%, the rate a flat 2% cash-back card pays on everything.

What this card returns on each page, priced against what its points are worth. Open a page to see the card it crowns and why.

Credits & Perks (5)

TV Streaming: $60 (Annual Calendar Year)
Up to $60 in statement credits annually for TV streaming subscriptions
Instacart+: $140 (Annual)
Up to $140 annually with Instacart+ (3 free months of Instacart+ and $10 off your second order each month). Offer expires 01/31/2027.
Global Entry/TSA PreCheck: $85 (Every 5 Years)
Up to $85 towards Global Entry, TSA PreCheck, TSA PreCheck by CLEAR, or NEXUS application fees, once every 54 months.
Lyft: $5 (Monthly)
Take 3 rides, get a $5 Lyft App credit every month. Offer expires 01/31/2027.
Transit: $3 (Monthly)
$2.50 statement credit when spending $10 or more monthly at participating transit locations.

Protections (11)

Travel Accident Insurance — up to $1,000,000 — Up to $1,000,000 coverage for accidental loss of life, limb, sight, speech, or hearing on a common carrier covered trip
Trip Cancellation & Interruption Insurance — up to $1,500 — Up to $1,500 per insured person for trip cancellation or interruption for a covered reason
Lost or Damaged Luggage — up to $1,500 — Reimbursement up to $1,500 per claim for lost or damaged luggage; maximum 2 claims per 12 months
Hotel/Motel Burglary Insurance — Reimbursement for stolen or damaged items from forcible entry into a hotel or motel room
Baggage Delay — up to $250 — Up to $250 per essential item for baggage delayed during common carrier travel
Purchase Protection — up to $1,000 — Coverage for new items damaged or stolen within 90 days of purchase, up to $1,000 per claim
Extended Warranty — up to $10,000 — Doubles manufacturer's warranty up to 24 months on eligible items
Price Protection — Refund of price difference if lower-priced print ad or non-auction web ad found within 60 days of purchase
Auto Rental Collision Damage Waiver (secondary) — MasterRental coverage for collision damage on rental vehicles when renting for 31 consecutive days or less
Cellular Wireless Telephone Protection — up to $600 — Up to $600 per claim if your cell phone is stolen or damaged
Mastercard ID Theft Protection — Protection against identity theft and fraud expense reimbursement