Skip to content

HSBC Cash Rewards Mastercard® credit card

Advertiser Disclosure

Credit Card Insider is an independent, advertising supported website. Credit Card Insider receives compensation from some credit card issuers as advertisers. Advertiser relationships do not affect card ratings or our Editor’s Best Card Picks. Credit Card Insider has not reviewed all available credit card offers in the marketplace. Content is not provided or commissioned by any credit card issuers. Reasonable efforts are made to maintain accurate information, though all credit card information is presented without warranty. When you click on any ‘Apply Now’ button, the most up-to-date terms and conditions, rates, and fee information will be presented by the issuer. Credit Card Insider has partnered with CardRatings for our coverage of credit card products. Credit Card Insider and CardRatings may receive a commission from card issuers. A list of these issuers can be found on our Editorial Guidelines.

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


Spending 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 debt from one 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


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 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


  • 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 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.

Scroll to top