- Receive 3.85%* APY on balances over $5,000
- Receive a 0.25%* APY with balances less than $5,000
- Earn 9x** the national average
- Tiered account
- $100 minimum account opening
- Member FDIC
- No Monthly Service fees
- No account opening fees
*Platinum Savings is a tiered interest rate account. Interest is paid on the entire account balance based on the interest rate and APY in effect that day for the balance tier associated with the end-of-day account balance. *APYs — Annual Percentage Yields are accurate as of September 23, 2025: 0.25% APY on balances of $0.01 to $4,999.99; 3.85% APY on balances of $5,000.00 or more. Interest Rates for the Platinum Savings account are variable and may change at any time without notice. The minimum to open a Platinum Savings account is $100.
**Based on comparison to the national average Annual Percentage Yield (APY) on savings accounts as published in the FDIC National Rates and Rate Caps, accurate as of September 15, 2025.
***This limited-time offer to qualify for a $225 cash bonus with a minimum deposit of $25,000 or a $300 bonus with a minimum deposit of $50,000 is available to New and Existing Customers who meet the Platinum Savings promotion criteria. The Promotion begins on September 9, 2025, and can end at any time without notice.
Customers will receive a $225 or a $300 bonus provided that the program requirements are met. Click here to see promotion details and terms.
For complete list of account details and fees, see our Personal Account disclosures.
It's easy. The more you deposit, the more you can earn.
Discover all that Premier can do for you
- Send and receive money with Zelle® right from our mobile app
- Earn our best savings rate with a Premier Relationship Savings account for an introductory period and thereafter if you qualify
- Manage your money safely, easily and fee-free around the world - from Global Money Transfers to multi-currency needs
- Enjoy peace of mind with unique travel benefits available through our credit cards
- Keep an eye out for new health and wellness services that will be introduced soon.
Here's how the offer works
Open a new HSBC Premier checking account by December 31, 2025. Add New Deposits to your Premier checking account, Premier Savings account and/or Premier Relationship Savings account by December 31, 2025, and maintain the New Deposits through March 31, 2026.
- Get a $1,000 Cash Bonus: Add and maintain New Deposits of $150,000 to $249,999
- Get a $2,500 Cash Bonus: Add and maintain New Deposits of $250,000 to $499,999
- Get a $3,500 Cash Bonus: Add and maintain New Deposits of $500,000+
Earn a $25 Extra Cash Bonus when you register and logon to the HSBC US Mobile Banking App3 by December 31, 2025.
If all offer requirements are met, Cash Bonuses will be paid by May 31, 2026.
Earn $2,000 cash back after you spend $30,000 in the first 3 months from account opening. With a $150 annual fee, earn unlimited 5% cash back on hotels and rental cars booked through Capital One's travel booking site and unlimited 2% cash back on everything else. Terms apply. Learn More.
Spend $4,000 or more on purchases within 3 months of opening this card and snag 75,000 bonus miles. With a $95 annual fee, you'll earn 2x miles on all purchases made and up to a $100 credit towards Global Entry or TSA PreCheck. Plus, earn 5x miles on hotels, vacation rentals, and rental cars booked through Capital One Travel, which offers Capital One's best prices on thousands of travel options. You can use your miles for any type of travel purchases or to book a trip through Capital One Travel. Terms apply. Learn More.
- Minimum deposit of $100 to open
- Flat Rate
- No account opening or maintenance fees
- Daily compounding interest
For complete list of account details and fees, see our Personal Account disclosures.
Earn 150,000 miles once you spend $30,000 within the first 3 months from opening your account. With a $395 annual fee, you'll earn 2 miles per dollar on every purchase, 5 miles per dollar on flights and vacation rentals booked through Capital One Travel, and 10 miles per dollar on hotels and rental cars booked through Capital One Travel. Each year, you'll get 10,000 bonus miles after your account anniversary date and receive an annual $300 credit for bookings through Capital One Travel. Receive up to a $120 credit for Global Entry or TSA PreCheck® and unlimited complimentary access to Capital One Lounges and a network of 1,300+ lounges worldwide. Terms apply. Learn More.
Earn $750 Cash Back when you spend $6,000 on purchases within the first 3 months from account opening. With no annual fee, you'll get 5% cash back on hotels and rental cars booked through Capital One Travel and 1.5% unlimited cash back on everything else. Balance transfers are not available on Spark Cash Select. Terms apply.
Dealnews has partnered with CardRatings for our coverage of credit card products. Dealnews and CardRatings may receive a commission from card issuers.
Opinions, reviews, analyses & recommendations are the author's alone, and have not been reviewed, endorsed or approved by any of these entities.
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- New Offer! Earn 2% cash back on purchases for the first year from account opening, with no limit to the amount of cash back you can earn.
- Thereafter, you’ll earn unlimited 1.5% on all purchases, with no expiration on rewards as long as your account remains open.
- With the Bank of America Preferred Rewards® program, members can earn 25%-75% more cash back on every purchase. That means you could earn 1.87%-2.62% cash back with Preferred Rewards. The Preferred Rewards bonus does not apply to the .5% first-year bonus.
- No annual fee.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.99% - 27.99% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. Balance transfers may not be used to pay any account provided by Bank of America.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
- New offer! Earn 6% cash back for the first year in the category of your choice: gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement and furnishings. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category.
- Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- With the Bank of America Preferred Rewards® program, members can earn 25%-75% more cash back on every purchase. That means the 3% choice category could go up to 3.75%-5.25%. The Preferred Rewards bonus is not applied to the 3% first-year bonus.
- No annual fee and cash rewards don’t expire as long as your account remains open.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.99% - 27.99% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. Balance transfers may not be used to pay any account provided by Bank of America.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
- Low $95 annual fee.
- Receive 60,000 online bonus points - a $600 value - after you make at least $4,000 in purchases in the first 90 days of account opening.
- Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points for every $1 spent on all other purchases. No limit to the points you can earn and your points don't expire as long as your account remains open.
- If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means you could earn 2.5-3.5 points on travel and dining purchases and 1.87 - 2.62 points on all other purchases, for every $1 you spend.
- Redeem for cash back as a statement credit, deposit into eligible Bank of America® accounts, credit to eligible Merrill® accounts, or gift cards or purchases at the Bank of America Travel Center.
- Get up to $100 in Airline Incidental Statement Credits annually and TSA PreCheck®/Global Entry Statement Credits of up to $100, every four years.
- Travel Insurance protections to assist with trip delays, cancellations and interruptions, baggage delays and lost luggage.
- No foreign transaction fees.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
- 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
- Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
- Earn 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
- Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
- Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.99% - 27.99% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. Balance transfers may not be used to pay any account provided by Bank of America.
- If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases. You could earn 3.75-5.25 points for every $1 you spend on travel purchases made through the Bank of America Travel Center.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Earn 75,000 bonus miles (equal to $750 in travel) after spending $4,000 on purchases on your new card in the first 3 months. With a $395 annual fee, you'll also earn unlimited 10x miles on hotels and rental cars and 5x miles on flights when you book through Capital One Travel. Plus, get 2x miles on all other purchases. Terms apply. Learn More.
Earn 50,000 bonus miles after you spend $4,500 in the first 3 months of opening an account. With an introductory $0 annual fee the first year ($95 thereafter), you'll get 2 miles per dollar on every purchase and 5 miles per dollar on flights and vacation rentals booked through Capital One Travel. You can use your miles for any type of travel purchases. Balance transfers are not available on Spark Miles. Terms apply.
Dealnews has partnered with CardRatings for our coverage of credit card products. Dealnews and CardRatings may receive a commission from card issuers.
Opinions, reviews, analyses & recommendations are the author's alone, and have not been reviewed, endorsed or approved by any of these entities.
Those with average, fair, or limited credit (scores ranging from 600 to 659) can apply for this card, which grants unlimited 1.5% cash back on all purchases, every day, plus 5% cash back on hotels and rental cars booked through Capital One Travel. You'll be considered for a higher credit line in as little as 6 months as well, with free credit score monitoring via CreditWise from Capital One. This card also offers $0 Fraud Liability for unauthorized charges made.
Dealnews has partnered with CardRatings for our coverage of credit card products. Dealnews and CardRatings may receive a commission from card issuers.
Opinions, reviews, analyses & recommendations are the author's alone, and have not been reviewed, endorsed or approved by any of these entities.
For a limited time, earn $300 in welcome bonuses with a limited-time $100 Capital One Travel credit and a $200 cash bonus with $500 spend within 3 months from account opening. With no annual fee, you'll get 8% cash back on Capital One Entertainment purchases, unlimited 5% cash back on hotels, vacation rentals, and rental cars booked through Capital One Travel, unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), and 1% on all other purchases. Terms apply.
Dealnews has partnered with CardRatings for our coverage of credit card products. Dealnews and CardRatings may receive a commission from card issuers.
Opinions, reviews, analyses & recommendations are the author's alone, and have not been reviewed, endorsed or approved by any of these entities.