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.