American Express Basic Business Card vs HSBC Premier Credit Card
Side-by-side comparison for UK businesses
| Feature | American Express Basic Business Card | HSBC Premier Credit Card |
|---|---|---|
| Annual fee | £0 | £0 |
| Monthly fee | None | None |
| Welcome bonus | None | 20,000 reward points |
| Earn rate (default) | 1x | 1.5x |
| Rewards currency | membership rewards | HSBC Rewards |
| Card type | business | personal |
Data last verified March 2026. Check issuer websites for the latest terms.
American Express Basic Business Card
Free Amex card for businesses that want cashflow flexibility and basic rewards without paying an annual fee. Great starting point.
Annual cost
Free
Earn rate
1x
Welcome bonus
None
Best for
Low spendCashflow
Key benefits
- • No annual fee
- • 1 Membership Rewards point per £1
- • Expense management tools
- • Connect to accounting software
HSBC Premier Credit Card
Free companion to the World Elite — same airline transfer partners but half the earn rate and pay-per-visit lounges. Good for HSBC Premier customers who don't want to pay £290/year but still want to collect transferable miles.
Annual cost
Free
Earn rate
1.5x
Welcome bonus
20,000 reward points
Best for
No fee milesHSBC customers
Key benefits
- • No annual fee
- • 1.5 points per £1 sterling, 2 points per £1 non-sterling
- • Priority Pass lounge access (£24 per visit)
- • Transfer to BA, Emirates, Etihad, Qatar Airways, Air India