For People with
Fair Credit
The HSBC Cash Rewards Mastercard provides an easy 1.5% cash back for every purchase you make. There are no bonus reward categories, and no limit to the amount of cash back you can earn.
There’s also a pretty good signup bonus to reach. And cardholders get a 10% annual bonus on all the cash back they earned in the year.
The extra benefits are pretty simple. But this card has no annual fee and a 15-month 0% intro APR for balance transfers, making it a very low-cost option.
For People with
Fair Credit
Want to pay a bill or check your balance?
A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.
How balance transfers work
Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.
How cash advances workCheck your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.
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