HSBC Cash Rewards Mastercard® credit card

For People with
Fair Credit



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.

Card Quick Facts

Card Quick Facts

  • 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

For People with
Fair Credit



Manage My Card

Want to pay a bill or check your balance?

Card Details



  • 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
How to Redeem

Yearly Bonus

  • 10% anniversary bonus on all cash back earned
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 14.99–24.99% Variable
Intro Purchase APR 0% for 12 months
Foreign Transaction Fee None
Chip Technology Chip-and-Signature
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score Yes
Penalty APR 32.00%
Late Fee Up to $37
Returned Payment Fee Up to $25
Balance Transfers

Balance Transfers

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.
Cash Advances

Cash Advances

Cash Advance APR 27.24% Variable
Cash Advance Fee Either $10 or 4%, whichever is greater, will apply on each cash advance transaction.

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • Mastercard® Airport Concierge

    15% savings on Airport Meet & Greets, with personal agents to escort you through the airport at over 450 destinations, 24/7.

  • Free FICO Credit Score

    You’ll be able to see your FICO 8 Credit Score for free on your credit card statement. Based on your Experian credit report.

  • Mobile & Tablet Apps

    Manage your account from your phone or tablet.

  • Fraud Protection

    You will not be held responsible for unauthorized use of your card.

  • Identity Theft Resolution Services

    Provides assistance if you believe you’ve become a victim of identity theft.

  • Lost / Stolen Card Reporting

    Receive a temporary card the next day in the United States if you immediately report your card lost or stolen, with 24/7 service.

  • Purchase Assurance Coverage

    Provides coverage for lost or stolen items within 90 days from the date of purchase.

  • Price Protection

    If you find an item you bought being advertised for a lesser price within 60 days, you can be reimbursed for the price difference.

  • Extended Warranty Protection

    Extends a manufacturer’s warranty up to one additional year.

  • MasterAssist® Travel Services

    Provides pre-trip planning and help with travel emergencies, including emergency card replacement or cash advances.

  • Master RoadAssist® Service

    Assistance with services such as towing, changing a flat, or boosting a battery in case of emergency. May save money with pre-negotiated fees.

  • MasterRental® Insurance

    Must decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage is provided for theft and collision damage for most rental cars in the U.S. and abroad. In the U.S., coverage is secondary to your personal insurance.

  • Travel Accident Insurance

    Covers you and your family against accidental injury or loss of life up to $1,000,000, when traveling by common carrier.

Visitor Reviews

Read about experiences others have had with this card and leave your own review here.

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Average rating:  
 2 reviews
by Durangatang
Worst card ever

Nothing but trouble. Hard to get extra cards for family, had a fraudulent transaction attempted from the Middle East, routine purchases declined twice, can't get paper statements. Customer support hard to reach and all have impenetrable accents. They have a cap on how large a payment they will accept by EFT from 3rd party processors - that delayed my payment and incurred an undeserved late fee. I'll be paying off my remaining balance and closing the account. Good riddance.

by CelticFlyer
Decent card but not PIN Priority

As a Mastercard it gets decent exchange rates and it has no foreign transaction fee but the card is not PIN Priority - it is signature priority and on the PIN side it only supports online verification. As such it actually has less PIN support than most Barclaycard USA cards since those genberally support both online and offline PIN verification.

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