2017 Comparison Review: HSBC Premier World MasterCard® vs. Capital One® Quicksilver® vs. PNC CashBuilder® vs. Regions Prestige Visa®
With so many different credit cards available, choosing the right credit card for your individual needs has never been more personalized and full of selection.
However, due to having so many credit card options, like the HSBC Premier or the Quicksilver from Capital One, it is easy to become overwhelmed by the different offers and benefits that each card has.
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While, at first glance, a credit card like the HSBC Premier credit card could seem quite similar to a Regions Visa credit card, you’ll actually find that these two cards can vary greatly. These differences could be as simple as the amount of cashback rewards you’ll receive or as important as balance transfer and interest rates.
So, should you choose an HSBC Premier credit card or the Capital One Quicksilver? Is the PNC Cashbuilder a better alternative, or would you be better off with the Regions Visa credit card?
In this article, we will take the time to discuss the main differences between each of these credit cards so that you can decide which one is a better fit for you.
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How to Choose the Best Credit Card
Before you make the big decision to go with an HSBC Premier, Capital One Quicksilver, PNC credit card or Regions Visa credit card, it is important to know what factors different cards have to offer.
Low interest rates, cashback rewards, annual fees and balance transfers are just a few of the top factors to take into consideration.
The HSBC Premier MasterCard, along with the Capital One Quicksilver and others, offers enticing perks for cardholders.
However, before you choose between an HSBC Premier USA and a PNC credit card, it is imperative to understand what features are most important to you.
Whether you are more interested in high cashback rewards or a low introductory interest rate, each credit card will feature varying offers.
Comparison Review List
The list below is sorted alphabetically:
- Capital One® Quicksilver®
- HSBC Premier World MasterCard®
- PNC Cashbuilder® Visa®
- Regions Prestige Visa® Signature Credit Card
High-Level Comparison Table
Credit Card Names | Annual Fee | % or Low Intro APR Offer | APR (Purchases) | Cash Back Bonus |
Capital One® Quicksilver® | None | 0% | 13.24%– 23.24% | $100 |
HSBC Premier World MasterCard® | None | None Offered | 13.24%–17.24% | |
PNC Cashbuilder® Visa® | None | None Offered | 13.24%–22.24% | $100 |
Regions Prestige Visa® Signature Credit Card | None | 0% | 13.24%–22.24% |
Table: The above list is sorted alphabetically
Comparing Features: HSBC Premier, Capital One Quicksilver, PNC Cashbuilder, and Regions Visa Credit Card
No matter if you choose the HSBC Premier credit card, the Capital One Quicksilver card, the PNC credit card or the Regions Visa credit card, you can be sure that you will be utilizing a valuable card.
A Capital One Quicksilver One review has ranked it as one of the best credit cards based on credit card fees, cashback rewards, and overall benefits.
Photo Courtesy of: Capital One Financial Corporation
On the flip side, the HSBC Premier MasterCard has been a consumer favorite due to its outstanding introductory rewards offer, travel benefits, and personal assistance.
The PNC Cashbuilder also offers cardholders a fantastic opportunity to rack up rewards points and an exclusive introductory APR rate.
The Regions Visa credit card is also a great choice when it comes to credit card rewards and other fantastic card benefits.
As credit card options go, all four of these cards offer incredible rewards programs and various personalized features that each firm provides its cardholders.
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Detailed Credit Card Offers
When comparing the various credit cards offers from different firms, like the HSBC Premier and the Quicksilver from Capital One, it is important to for the consumer to understand and acknowledge what they are looking for in a credit card.
Remember that not every credit card will be the right choice for you; for example, the HSBC Premier rewards can vary greatly from what is offered by the Capital One Quicksilver card.
Once you are aware of the features that you are looking for from your credit card, then you can begin to compare the differences, such as those between the HSBC Premier and the PNC Cashbuilder.
The key offers and benefits to consider from each credit card firm are:
- Low interest rates
- Cashback rewards
- Balance transfer rates
- Annual fees
You may notice that the HSBC Premier USA has a few advantages over the Quicksilver from Capital One and vice versa. A quick example is the generous rewards program bonus offered by the HSBC Premier rewards credit card.
Photo Courtesy of: HSBC BANK USA
Factors like this may ultimately weigh in on whether you choose to go with the HSBC Premier credit card or instead opt for the Capital One Quicksilver.
Interest Rates Offered
In terms of interest rates offered, the HSBC Premier credit card offers cardholders an average APR of 14.99%.
Although the HSBC Premier World MasterCard® does not offer a low introductory rate for first-time account holders, its average APR is lower than the national average that falls between 16.55%–22.04%. This incredible below-average APR offered by the HSBC Premier certainly makes up for any 0% introductory rates that other credit card firms offer.
The PNC credit card also offers no introductory purchase APR rate; however, its APR rates, which fall between 13.24%–22.24%, are still incredibly reasonable when compared to other credit card offers.
However, if a low or zero-interest introductory rate is more attractive to you, then a card like the Capital One® Quicksilver® may be a better choice.
A Capital One Quicksilver One review has stated that the credit card boasts a 0% introductory APR for the first 9 months. This is an enticing offer if you need some extra time to pay off any debt without the fear of interest building up. After the Capital One Quicksilver introductory APR rate, your interest will be a variable APR of 13.24%–23.24%, depending on your standing credit.
For consumers that are looking for just a bit more time to be interest-free while paying off their credit card debt, the Regions Prestige Visa® Signature credit card may be the ultimate option. The Regions Visa credit card offers cardholders 0% introductory APR on purchases for up to 12 months.
For consumers that know that they will be making big credit card purchases in the near future once getting their card, then the Capital One Quicksilver card and the Regions Visa credit card offer an amazing introductory opportunity to save on interest.
On the other hand, if you are looking for a fantastically low rate on purchase APR, then the HSBC Premier USA is a great option.
Cashback Rewards
For consumers that are shopping around specifically for a credit card that offers amazing cashback rewards, you’ll be pleased to know that the HSBC Premier MasterCard, Capital One Quicksilver, and two others all include fantastic programs.
With the HSBC Premier Rewards credit card, first-time cardholders will be pleasantly greeted with an outstanding signup bonus. New HSBC Premier credit card clients are given the opportunity to earn 40,000 rewards program bonus points if they spend $2,500 or more on purchases in the first 3 months from opening the account.
Along with the generous signup bonus, HSBC Premier USA cardholders can earn unlimited rewards points that they can trade in for airline travel, gift cards, and many others perks.
The Quicksilver from Capital One and the PNC Cashbuilder® Visa® both offer cardholders unlimited cash back earning potential. The Quicksilver from Capital One offers a $100 cash bonus once you spend $500 on purchases in the first 3 months. After that, a Capital One Quicksilver one review has stated that you can earn unlimited 1.5% cashback rewards that you can redeem at any time.
The PNC credit card rewards program works a bit differently yet still offers users unlimited cashback rewards that never expire.
With the PNC Cashbuilder, you can earn 1.25% monthly cash back on purchases totaling $1,999.99, 1.50% cash back on purchases totaling $2,000–$3,999.99, and 1.75% cash back on purchases totaling $4,000 or more. The PNC Cashbuilder is an excellent card for racking up rewards points in a short amount of time.
Conversely, with the Regions Visa credit card, cardholders can earn double the rewards points in the first 90 days of opening up the account. After the first 90 days, you can earn 1 point for every $1 spent on qualifying purchases with the Regions Visa credit card.
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Balance Transfer Rates
Consumers that are hoping to consolidate all of their outstanding debt onto a credit card with zero or an incredibly low balance transfer rate will find the HSBC Premier MasterCard, Quicksilver from Capital One, PNC Cashbuilder, and Regions Visa credit card to be clever choices.
With the Capital One Quicksilver, Regions Visa credit card, and PNC credit card, cardholders will be offered a 0% intro APR on balance transfer rates.
The Capital One Quicksilver card offers a 0% intro APR on balance transfers for the first 9 months. Afterwards, you’ll be subject to a variable APR of 13.24%–23.24% on any future balance transfers.
For a longer introductory offer, both the PNC credit card and Regions Visa credit card offers new cardholders a 0% intro APR on balance transfers for the first 12 months. This buys cardholders extra time to pay off and transfer any balances from previously held accounts.
For users that aren’t too concerned with introductory offers on balance transfer rates, the HSBC Premier is a great overall option. As previously stated, the HSBC Premier credit card offers one of the lowest average APR rates, including its balance transfer rates.
The current HSBC Premier APR rate falls at an average 14.99%, well below the national average. This makes the HSBC Premier the perfect option for users that don’t currently have any outstanding debt but want to stay covered in the future.
Miscellaneous Offers and Benefits
There are various other offers that the HSBC Premier, the Capital One Quicksilver, and the other cards feature outside of the main credit card benefits.
Some of these features include:
- Fraud protection
- Concierge service
- Travel protection
- Shopping protection & benefits
A great example is the travel and shopping benefits offered by the HSBC Premier. The HSBC Premier credit card offers trip cancellation insurance that will reimburse you for non-refundable purchases in the event of a cancellation.
The HSBC Premier credit card also features shopping benefits such as Purchase Assurance® that covers purchases up to $1,000 that have been damaged or stolen after 90 days of the purchase date. Furthermore, HSBC Premier cardholders can access concierge service that can help with dinner reservations, ticket purchases, and locating hard-to-find items.
The Capital One Quicksilver also offers cardholders a wide variety of benefits and perks. Like the HSBC Premier, the Quicksilver from Capital One offers complimentary concierge assistance, travel protection on travel purchases up to $1,500, and complimentary room upgrades as well as access to a wide portfolio of luxurious hotels and resorts.
The PNC credit card and Regions Visa credit card both offer cardholders travel and emergency protection as well. The PNC Cashbuilder offers $0 fraud liability while the Regions Visa credit card offers lost luggage reimbursement as along with purchase security where you can be reimbursed up to $500 on eligible purchases that have been damaged or stolen.
Overall, the HSBC Premier, Capital One Quicksilver, and the other two credit cards provide cardholders with various perks that make signing up with the firm incredibly enticing and beneficial.
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Conclusion: HSBC Premier vs. Capital One Quicksilver vs. PNC Cashbuilder vs. Regions Visa Credit Card
When it comes to down to choosing the best credit card for your personal needs, choosing between cards like the HSBC Premier credit card and the Quicksilver from Capital One is not always easy. There are many factors that must be taken into consideration depending on the features that you are looking for.
Consumers looking for a fantastic overall APR rate may find the average rate offered by HSBC Premier to be an ideal feature. Others that are anticipating paying off large amounts of credit card debt may find that the 0% introductory APR offers from the Capital One Quicksilver and Regions Visa credit card to be vital.
Whether you decide to sign up with an HSBC Premier account, PNC Cashbuilder, Regions Visa credit card or Quicksilver from Capital One, you can be certain that you will have in your hands an extraordinary credit card to suit your needs perfectly.
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