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    HSBC Cash Rewards Mastercard® credit card

    HSBC Cash Rewards Mastercard® credit card

    For People with
    Fair Credit

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    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
    HSBC Cash Rewards Mastercard® credit card

    For People with
    Fair Credit

    Apply Now

    REVIEWS

    Reviews
    Read Our Full Review

    Manage My Card

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    Card Details

    Rewards

    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
    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.

    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
    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.

    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 work

    Card Benefits

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

    Read about this specific card’s benefits
    Learn about credit card benefits

    • 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.

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    Visitor Reviews

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    HSBC Cash Rewards Mastercard
    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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