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HSBC Cash Rewards Mastercard® credit card

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on HSBC's secure site

HSBC Cash Rewards Mastercard® credit card

 

Rated 4/5 stars by our editorial team

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Your Rating:

3.9/5.0 from 9 Offer Ratings
Over the Past 60 Days!

(9) Over the Past 60 Days!

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on HSBC's secure site


  • Regular Purchase APR

    14.99%, 18.99% or 24.99% variable

  • Intro Purchase APR

    N/A

  • Intro BT APR

    0% for 15 months

  • Typical Credit Needed

    500

    600

    700

    750

    850

  • Annual Fee

    $0

  • Card Brand

    Mastercard®

Highlights

  • Click "APPLY NOW" to apply online
  • Earn unlimited 1.5% cash rewards on all purchases.
  • Earn a $150 cash rewards intro bonus after spending $2,500 in the first 3 months.
  • 10% Anniversary Bonus on all Cash Rewards earned once a year.
  • No Annual Fee.
  • 0% Intro APR for 15 months on balance transfers, then a 14.99%, 18.99% or 24.99% variable APR.
  • No Foreign Transaction Fees.
  • $0 liability for unauthorized purchases.
  • Terms Apply.
  • See Rates & Fees

Card Fees

  • Foreign Transaction Fee

    None

  • Balance Transfer Fee

    Either $10 or 4%, whichever is greater, will apply on each balance transfer and credit card check.

  • Cash Advance Fee

    Either $10 or 4%, whichever is greater, will apply on each cash advance transaction.

Additional Card Details

  • $0 Fraud Liability

    Yes

  • Auto Rental Insurance

    Yes

  • Extended Warranty Program

    Yes

  • Roadside Assistance

    No

  • Purchase Protection

    Yes

  • Travel Assistance

    No

  • Flight Accident Insurance

    No

  • Lost Luggage Reimbursement

    No

  • Concierge Service

    No


Expert Reviews

  • Regular APR

    3.0

  • Intro APR

    4.0

  • Fees

    4.0

  • Benefits

    5.0

  • Overall Rating

    4.0 /5

From the LendingTree.com Editorial Team

The HSBC Cash Rewards Mastercard® credit card is an excellent cash back credit card with a number of rewarding benefits and perks. For starters, there is a Earn a $150 cash rewards intro bonus after spending $2,500 in the first 3 months. On top of that, you'll earn 1.5 cash rewards program points for every dollar in new, net card purchases. As if these great perks weren't enough, you also earn a 10% Anniversary Bonus on all Cash Rewards earned once a year. That can all help you rake in some serious cash back!

There is no annual fee with this card and no foreign transaction fees. You can use this card while traveling out of the country and not worry about getting hit with a pesky transaction fee for every purchase. In addition to the generous cash rewards, this card comes with a solid intro APR of 0% for 15 months on balance transfers. If you're carrying a balance on another card, transfer it to the HSBC Cash Rewards Mastercard® credit card and enjoy well over a year to pay your balance down interest free. It's important to note that a balance transfer fee does apply, but the money you save on interest during the intro period can easily cover the cost of the fee. Either $10 or 4%, whichever is greater, will apply on each balance transfer and credit card check. The APR for new purchases is 14.99%, 18.99% or 24.99% variable.

Overall the HSBC Cash Rewards Mastercard® credit card is a highly competitive cash rewards credit card that beats out many other cards with the duo of cash back bonuses. The card also comes with a nice intro APR and few fees making it a great fit for just about any consumer. 

The Bottom Line

The HSBC Cash Rewards Mastercard® credit card can help you rack up big sums of cash back, especially in your first year. It's also a decent option for balance transfers.

The Good

In addition to the nice sign up bonus and rewards rate, you also receive a 10% Anniversary Bonus on all Cash Rewards earned once a year. To top it off, you pay no annual fee and no foreign transaction fees.

The Not So Good

There's no intro APR for purchases with the HSBC Cash Rewards Mastercard® credit card. Also, the balance transfer fee is a bit higher than some of other cards available.


Editorial Note: This content is not provided by HSBC. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by HSBC.

Expert Reviews of the HSBC Cash Rewards Mastercard® credit card

  • Regular APR

    3.0

  • Intro APR

    4.0

  • Fees

    4.0

  • Benefits

    5.0

  • Overall Rating

    4.0 /5


Consumer Reviews 9 Reviews

Offer Rating

3.9 out of 5.0

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Your Rating

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