HSBC Cash Rewards Mastercard® credit card


For People with
Fair Credit

REVIEWS

Reviews

The HSBC Cash Rewards Mastercard® credit card 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.

Card Quick Facts

Card Quick Facts

  • Earn unlimited 1.5% cash rewards on all purchases.
  • Earn a $150 cash rewards intro bonus after spending $2,500 in the first 3 months.
  • 10% Anniversary Bonus on all Cash Rewards earned once a year.
  • No Annual Fee.
  • 0% Intro APR for 15 months on balance transfers, then a 15.24%, 19.24%, or 25.24% variable APR.
  • No Foreign Transaction Fees.
  • $0 liability for unauthorized purchases.
  • Terms Apply.
  • Rates & Fees

For People with
Fair Credit

REVIEWS

Reviews

Manage My Card

Want to pay a bill or check your balance?

Card Details

Rewards

Rewards

  • 1.5% unlimited cash back on all purchases
  • 10% anniversary bonus on all cash back earned
How to Redeem

Introductory Bonus

  • $150 cash back after spending $2,500 or more in the first 3 months after account opening
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 15.24%, 19.24%, or 25.24% Variable
Intro Purchase APR -
Foreign Transaction Fee 0%
Chip Technology Chip-and-Signature
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score Yes
Penalty APR 32.24% Variable
Late Fee Up to $37
Returned Payment Fee Up to $25
Balance Transfers

Balance Transfers

Intro Balance Transfer APR 0% for 15 months
Regular Balance Transfer APR 15.24%, 19.24%, or 25.24% Variable
Balance Transfer Fee 4%, $10 minimum
Cash Advances

Cash Advances

Cash Advance APR 27.24% Variable
Cash Advance Fee 4%, $10 minimum

Card Benefits

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

  • 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.

  • Purchase Protection

    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® 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.

  • 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.

  • Mastercard Airport Concierge

    Get a 15% discount on Airport Meet and Greet services.

Visitor Reviews

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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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