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Compare Cards: HSBC Premier Credit Card vs. American Express EveryDay® Card vs. Costco Anywhere Visa® Card by Citi
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| Earning Rates | |||
|---|---|---|---|
First-year value Welcome offer + annual credits − annual fee | +$565 | +$170 | +$0 |
| Annual Fee | $95 | Waived | Waived |
| Credit Required | Good | Good/Excellent | Good |
| Foreign Fee | Waived | Waived | Waived |
| Welcome Offer | 60,000 pts Earn 60,000 bonus points after spending $4,000 in the first 3 months. Requires an HSBC Premier checking account. Spend $4,000 in 3 mo | 10,000 pts Historical standard offer: 10,000 Membership Rewards points after $1,000 in purchases within 3 months. USCCG notes the card has appeared unavailable to new applicants since 2024. Spend $1,000 in 3 mo | — No welcome offer - ongoing cash back only 0 |
| Network | visa | amex | visa |
| Earning Rates | |||
| All other purchases | 1× | 1× | 2× |
| Eligible travel | — | — | 3× |
| Gas | 3× | — | — |
| Gas stations | — | — | 4× |
| Groceries | 3× | — | — |
| Restaurants | — | — | 4× |
| Travel | 2× | — | — |
| U.S. gas stations | — | 2× | — |
| U.S. supermarkets | — | 2× | — |
| Benefits & Credits | Annual Credits
| Other Benefits Worldwide Acceptance: Visa Signature benefits accepted at millions of locations worldwide Citi Entertainment: Access to Citi Entertainment for special event access Costco Travel: Exclusive travel bookings through Costco Travel | |
| Insurance | Rental Insurance | ||