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HSBC Cash Rewards Mastercard® credit card

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RUNNER UP Best Cash Back Credit Cards
Our rating
Min. credit level: Fair
Annual Fee: $0
Regular APR: 14.99–24.99% Variable
Intro Balance Transfer APR: 0% for 12 months
Intro Purchase APR: 0% for 12 months

HSBC Cash Rewards Mastercard® credit card

Our rating
Fair Min. credit level
$0 Annual Fee
Apply Now Read our Review

Highlights & Features

Rewards

  • 3% cash back on all purchases in the first 12 months, up to $10,000 spent
  • 1.5% cash back on all purchases after that

Balance Transfers

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.

Intro Balance Transfer APR 0% for 12 months
Regular Balance Transfer APR 14.99–24.99% Variable
Balance Transfer Fee Either $10 or 4%, whichever is greater, will apply on each balance transfer and credit card check.
How to Transfer a Balance on a Credit Card

Fees

Penalty APR 32.00%
Late Fee Up to $37
Returned Payment Fee Up to $25
Additional Cards Annual Fee N/A
Foreign Transaction Fee None
Learn About Types of Credit Card Fees

Cash Advances

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.

Cash Advance APR 27.24% Variable
Cash Advance Fee Either $10 or 4%, whichever is greater, will apply on each cash advance transaction.
How to Get a Cash Advance with a Credit Card
HSBC Cash Rewards Mastercard® credit card

Highlights

  • Earn unlimited 1.5% cash back on all purchases.
  • Earn an Introductory 3% Cash Back on all purchases in the first 12 months from Account opening, up to the first $10,000 in purchases
  • 10% Anniversary Bonus on all Cash Rewards earned once a year.
  • No Annual Fee.
  • 0% Intro APR for 12 months on purchases and balance transfers, then a 14.99% – 24.99% variable APR.
  • No Foreign Transaction Fees.
  • $0 liability for unauthorized purchases.
  • Terms Apply.
  • See Rates & Fees
ABOUT THE ISSUER

HSBC

HSBC has several card types depending on your needs.

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-888-385-8916 or

Try a different phone number
See all Issuer Cards

The HSBC Cash Rewards Mastercard® provides a hefty 3% cash back on all purchases in the first 12 months, up to $10,000. After a year or once you spend $10,000, you’ll earn an unlimited 1.5% cash back for every purchase you make (there are no bonus reward categories). You’ll also get a 10% annual bonus on all the cash back you earn in the first year.

Your HSBC Cash Rewards card comes with an intro APR of 0% for purchases and balance transfers for 12 months, and then your interest rate will be 14.99–24.99% Variable.

Extra benefits for cardholders include Mastercard Airport Concierge, $1 Million Travel Accident Insurance, and a variety of other shopping and travel protections.

There is no annual fee.