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2021 Review: The HSBC Cash Rewards Mastercard® Credit Card – Best for Flat Cash Back?

Updated Oct 04, 2021 | Published Feb 10, 201810 min read

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HSBC Cash Rewards Mastercard® credit card

Min Credit Level Fair
Annual Fee $0
Regular APR 14.99–24.99% Variable
At a glance

A decent flat-rate card, the HSBC Cash Rewards Mastercard provides 1.5% cash back for everything you buy, with a 10% bonus every year. 0% intro APRs for both purchases and balance transfers round out the picture.

Credit Card Insider receives compensation from advertisers whose products may be mentioned on this page. Advertiser relationships do not affect card evaluations. Advertising partners do not edit or endorse our editorial content. Content is accurate to the best of our knowledge when it's published. Learn more in our Editorial Guidelines. Terms Apply.

The information related to Chase Freedom Unlimited®, Blue Cash Everyday® Card from American Express, and Blue Cash Preferred® Card from American Express have been collected by Credit Card Insider and have not been reviewed or provided by the issuer or provider of these products.

Our Rating: 4 Out of 5 Stars

We gave the HSBC Cash Rewards Mastercard® credit card 4 out of 5 Stars because it’s a simple and inexpensive card to use. But it doesn’t have many extra features.

Why We Like It

  • The 1.5% cash back rate makes this a good card for a variety of spending, rather than particular bonus reward categories.
  • Getting a 10% bonus on your cash back makes this a bit better than other 1.5% cash back card offers.
  • The card offers 0% APR on purchases and balance transfers for 12 months. After the introductory period, the regular 14.99–24.99% Variable APR begins.
  • The 3% cash back introductory rate lets you earn much more generously than usual during your first year as a cardholder.
  • This card can be cheap to use, with no annual fee or foreign transaction fee.

Why It Could Be Better

  • There are only some basic shopping and travel protections available.
  • Your credit score is only available on your statement, rather than freely online like many other cards.
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HSBC Cash Rewards Mastercard® credit card
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  • Min. credit levelFair
  • Annual Fee$0
  • Purchase APR0% for 12 months, then 14.99–24.99% Variable

The HSBC Rewards Card provides an easy way to earn some rewards no matter what you’re buying.

Ordinarily, it provides 1.5% cash back for every purchase. But for the first year, you’ll earn at a 3% cash back rate for up to $10,000 in purchases thanks to the card’s current introductory bonus.

Plus, a week after ever cardholder anniversary, you’ll get a 10% bonus on all of your cash rewards earned throughout the prior year. This effectively boosts the card’s reward rate up to 3.3% on purchases up to $10,000 for the first year, and then 1.65% afterward.

On top of this card’s rewards system, there’s a 0% intro purchase and balance transfer APR for 12 months, which is solid for a rewards card. After that, the regular 14.99–24.99% Variable APR applies. You’ll also find some basic protections available, for shopping and traveling.

For no annual fee, this is a simple but effective way to earn cash back everywhere. Keep reading to see if it’s right for you.

Insider tip

The HSBC Cash Rewards Mastercard is one of a few rewards cards that are good for general spending. Check out some others below, along with some different kinds of rewards cards.

Insider Advice: Getting the Most Out of Your Card

  • Use this card wherever you want: You’ll always get 1.5% cash back, no matter what you buy. This makes it good to pair with a different reward card that has bonus reward categories at higher rates.
  • Rake in the rewards: Take advantage of the 3% introductory bonus reward rate and earn extra cash on your first $10,000 in purchases throughout your first year as a cardholder.
  • Redeem with ease: Redeeming for statement credits, or by direct deposit into an HSBC bank account, are the easiest ways to get your cash back.
  • Avoid paying interest: Use the 0% intro APR to transfer a balance away from an account with a high APR, or to pay for larger purchases over the course of a year without accumulating interest fees.
  • Travel without worry: Since this is a Mastercard with no foreign transaction fees, it’s a good choice for spending outside the country. There’s no extra charge and it will be accepted pretty much everywhere.
  • Monitor one of your credit scores: Keep tabs on one of your FICO 8 Credit Scores by checking it on your monthly statement. It’s based on your Experian credit report.

The Rewards

In the first year, while you earn 3% cash back, you’ll get an equivalent of 3.3% cash back after the anniversary bonus. You can earn the equivalent of 1.65% cash back with this card after the first 12 months, after the anniversary bonus is applied.

Earning

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

So you’ll get a slight boost to your points every year. When you add that to the rewards you earn, it means you’ll effectively be getting 1.65% cash back on your purchases. You’ll also receive a 10% bonus on all the cash back you earn each year, within seven days after your account anniversary.

That anniversary bonus is available as long as your account is active and in good standing. Being active here refers to having at least one transaction in the year that qualified for cash back rewards. And being in good standing refers to not being over the credit limit or delinquent on payments.

The icing on the cake? Your anniversary bonus also applies to any cash back earned at the 3% intro reward rate, which means you can actually earn 3.3% cash back on up to $10,000 in purchases during your first year as a cardholder.

Redeeming

You’ll have a few different options for redeeming your cash back. But these two ways are the simplest:

  • Statement credits, which will lower your account balance
  • Direct deposits it into an HSBC consumer checking or savings account

We recommend redeeming for statement credits, which will be the quickest and easiest way for most people. But if you have an eligible HSBC bank account in addition to the card, you can easily deposit your rewards into it as well.

There are a few other ways to redeem your cash back, but they require more work. They require you to make certain kinds of purchases at certain times, for instance, or book travel through certain services. And you won’t necessarily get the full value of your rewards when you do.

So, stick with statement credits or direct deposits to get your cash back. But if you do want to explore other options, you can also redeem in the following ways. Check your card terms to learn exactly how to redeem in these ways:

  • Travel
  • Travel Statement Credits
  • Online Travel Rewards
  • TSA Pre✓™ Statement Credit
  • Travel Packages and Experiences
  • Gift Cards/Gift Certificates
  • Charity

The Benefits

  • Free FICO credit score on monthly statement: You can see one of your FICO Score 8 credit scores for free, based on your Equifax credit report. However, your score will only be reported on your monthly statement, either digital or mailed. Many other cards will let you check your score online for free whenever you’d like. But no matter which credit card issuer provides the score, it will usually be updated only once per month anyway.
  • DoorDash membership: Try DashPass for free for three months. You’ll have no delivery fee for orders of $12 or more. You’ll also get $5 off the first two orders each month.
  • Lyft credits: Every three rides you take with Lyft, you’ll get a $5 Lyft app credit.
  • Complimentary ShopRunner membership: Get special two-day shipping and free return shipping with certain retailers with your complimentary ShopRunner membership.
  • Cell Phone Protection: Pay your phone bill with the card and your phone will be covered for damage and theft. Up to $600 per claim, with a $1,000 maximum per year, with a $50 deductible.
  • Purchase Assurance Protection: Eligible items you buy with your HSBC card are covered against damage and theft for 90 days.
  • Price Protection: If you find an item you bought being advertised for a lesser price, you could be reimbursed for the price difference. You must purchase the item entirely with your HSBC card. This applies to print and online advertisements. Claims must be made within 60 days of the date of purchase.
  • Extended Warranty: This applies to eligible items you buy with your HSBC card that have a manufacturer’s warranty of 12 months or less. This benefit will double the item’s warranty, up to a maximum of 12 additional months. If an item has multiple warranties they can each be extended.
  • MasterTrip Travel Assistance: Provides pre-trip planning and help with travel emergencies. That includes emergency card replacement or cash advances, medical assistance and referrals, and more. Available when traveling 50 miles or more from home.
  • MasterRental Insurance: Provides coverage against damage and theft for rented vehicles when you pay with the Cash Rewards Mastercard. You’ll need to decline the rental company’s own insurance or damage waiver in order for this to apply.
  • Master RoadAssist Roadside Service: Call 1-800-307-7309 if you need help with your vehicle when driving, like a tow truck or flat tire change. You may save some money compared to calling the service directly because some fees are pre-negotiated. This service is not available outside the U.S.
  • Travel Accident Insurance: Provides $1,000,000 in coverage when traveling by common carrier, against accidental loss of life, limb, speech, sight, or hearing. Covers you, your spouse or domestic partner, and dependent children. You must charge the entire fare to your HSBC card to be eligible.
  • Mastercard Airport Concierge: Get a 15% discount on Airport Meet and Greet services. Airport concierges are available to escort you through the terminal, in some cases expediting you through security or immigration.

The Terms & Fees

Purchase APR Balance Transfer APR Cash Advance APR
14.99–24.99% Variable 14.99–24.99% Variable 27.24% Variable
Annual Fee Foreign Transaction Fee
$0 None
Balance Transfer Fee Cash Advance Fee
Either $10 or 4%, whichever is greater, will apply on each balance transfer and credit card check. Either $10 or 4%, whichever is greater, will apply on each cash advance transaction.
Penalty APR Late Fee Returned Payment Fee
32.00% Up to $37 Up to $25

This is a very low-cost card, with no annual fee. It also offers a 0% purchase and balance transfer APR for 12 months, which can help you pay off large balances without racking up interest fees. But keep up on your payments every month or you’ll lose that intro rate.

There’s no foreign transaction fee. It’s also a Mastercard, so it will have good acceptance around the world. Those features together make this a pretty good card for traveling outside the U.S. That’s not true for some other general-use rewards cards, like the Citi® Double Cash Card (Review) or Chase Freedom Unlimited® (Review).

The Bottom Line

The HSBC Cash Rewards Mastercard® credit card presents a simple way to earn cash back for every purchase you make.

It doesn’t have the most rewarding bonus categories. But it does make it easy to earn more than the 1% back on non-category purchases you’ll get with most reward cards, and the 3% introductory reward rate makes this card even more valuable.

The 0% intro APR for purchases and balance transfers is pretty competitive among general-use cash back cards, too.

You won’t get the most valuable extra benefits, but for no annual fee this card is cheap and easy to use. That’s especially true if you don’t want to deal with the hassle of figuring out which card to use for which bonus reward category.

There are a few other good general-use rewards cards with slightly different terms and features. Check out some similar card offers below. Or see the HSBC Gold Mastercard® Credit Card (Review), a similar offer with no cash back and a longer 0% intro APR period.

How Do I Apply for the HSBC Cash Rewards Mastercard?

Follow the link below to be taken to HSBC’s site to apply, where you can provide your personal information.

What Credit Scores Do I Need to Qualify for the HSBC Cash Rewards Mastercard?

This card is rated for good credit. So you’ll need to have a decent credit history and financial situation to improve your odds of being approved. In order to qualify for good credit, your FICO scores need to be at least 670, or your VantageScores need to be at least 700.

However, credit card issuers consider additional information when deciding your creditworthiness. Things like income and monthly rent and mortgage payments factor into the decision. That means even if your scores aren’t in the good range, you could still be approved. But that also means you could still be denied even if your scores are high enough.

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HSBC Cash Rewards Mastercard® credit card
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  • Min. credit levelFair
  • Annual Fee$0
  • Purchase APR0% for 12 months, then 14.99–24.99% Variable
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Alternatives to the HSBC Cash Rewards Mastercard

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  • Min. credit levelGood
  • Annual Fee$0
  • Purchase APR13.99% – 23.99% (Variable)
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion
Why We Picked It

The Citi® Double Cash Card (Review) earns a flat 2% cash back for every purchase with no annual fee, making it a popular and inexpensive choice.

Most general-use rewards cards offer about 1.5% cash back, but this card has them beat. It’s better than the 1.65% equivalent you’ll get with the HSBC card, after the 10% bonus. And it’s a better base rate than the Discover it Miles, which is next on our list.

The Discover it Miles and HSBC card both win out in the first year of card use, though, because Discover will double your miles and the HSBC card lets you earn at a 3% rate.

This 2% rate is the main feature of the Double Cash card. But it also has a 0% introductory APR offer for 18 months on Balance Transfers (then 13.99% – 23.99% (Variable)). This only applies to balance transfers, unlike the 0% purchase and balance transfer rate you get with the HSBC card.

The HSBC card does have the Double Cash beat when it comes to benefits. While Citi offers a concierge service and a way to check one of your credit cards, it offers no memberships, credits, or shopping and travel protections of any kind.

So, the main differences are the benefits and that you’ll earn a bit more cash back with the Double Cash, compared to the HSBC card.

Rewards
Spending Rewards
  • 2% cash back for every purchase (must pay at least the minimum due on time):
    • 1% back when you make a purchase
    • 1% back when you pay for that purchase
Key Features
  • Citi Concierge: Call for non-emergency help whenever you need it, like assistance making travel reservations.
  • ShopRunner membership: Use ShopRunner to get free two-day shipping and returns at participating retailers.
  • Free credit score: Check your FICO Bankcard Score 8 for free, based on your Equifax credit report.
  • Balance Transfer APR: 0% for 18 months on Balance Transfers, then 13.99% – 23.99% (Variable)
  • Balance Transfer fee: Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).
  • Annual fee: $0

Citi is a Credit Card Insider advertiser.

  • Min. credit levelGood
  • Annual Fee$0
  • Purchase APRSee Terms
Why We Picked It

You might be wondering what a travel card is doing on this list of alternatives. But the Discover it® Miles (Review) is a surprisingly good card offer that isn’t limited to travelers and travel expenses.

Your miles will be worth 1 cent each, so you’ll be earning the equivalent of 1.5% cash back with this card. And Discover Match will double that to 3X miles in the first year, or 3% back.

Unlike most travel credit cards, this card will provide the same value for your miles no matter how you redeem them. Most travel cards make you redeem for travel expenses if you want to get the best value. That means you have to have some travel-related spending.

But the Discover it Miles provides 1 cent per mile no matter how you redeem. So you can redeem your miles for statement credits for their full value, just like any cash back rewards card.

So even though it’s technically a travel card, you can use the Discover it Miles like any other rewards card. And it’s a pretty good offer compared to other general-use rewards cards, thanks in large part to Discover Match.

Rewards
Spending Rewards
  • 1.5X miles per dollar spent on all purchases
Introductory Bonus
  • Discover Match: Double miles earned during the first year, awarded at the end of the first year
Key Features
  • FICO Credit Scorecard: Access your FICO Score 8 whenever you’d like for free, based on your TransUnion credit report.
  • Cash at Checkout: At eligible retailers you can get cash at checkout, a handy way to get some money without going to an ATM. The extra cash will be counted as part of your purchase.
  • Refer a Friend bonus: Earn a $100 statement credit bonus for every friend you refer who’s approved, up to 10 friends per year. If your friend makes a purchase within three months of opening the account, he or she will earn a $100 bonus too.
  • Free Social Security number alerts: Discover searches for your Social Security number on thousands of risky sites and will alert you if your information was compromised.
  • New account alerts: Get notified of credit inquiries and new accounts on your Experian credit report.
  • $0 Fraud Liability Guarantee: If your card is lost or stolen, you are not liable for any fraudulent charges made to your account. Contact customer support immediately if you suspect fraud.
  • Fraud Protection: Discover monitors your account around the clock for suspicious or unusual activity.
  • Purchase APR: See Terms for See Terms, then See Terms
  • Balance Transfer APR: See Terms for See Terms, then See Terms
  • Balance Transfer fee: See Terms
  • No foreign transaction fee
  • Annual fee: $0
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  • Min. credit levelGood
  • Annual Fee$0
  • Purchase APR0% Intro APR on Purchases for 15 months, then 14.99% - 24.74% Variable
  • INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) – worth up to $300 cash back!
  • Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 14.99% – 23.74%.
  • No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
  • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
Why We Picked It

The Chase Freedom Unlimited® (Review) is similar to the HSBC card in that it offers 1.5% for non-category purchases with no annual fee, but it has more to offer, including some extra bonus categories.

The extra terms and benefits are about the same for both cards. And they both come with basic shopping and travel protection. But one major difference is that the Freedom Unlimited offers a 0% rate for purchases for 15 months before the regular 14.99% - 24.74% Variable APR starts. You’ll only get 12 months with the HSBC card.

Rewards
Spending Rewards
  • 6.5% cash back (5% after first year or $20,000 spent) on:
    • Travel purchased through Chase Ultimate Rewards®
  • 4.5% cash back (3% after first year or $20,000 spent) on:
    • Drugstore purchases
    • Dining at restaurants, including takeout and eligible delivery service
  • 3% cash back (1.5% after first year or $20,000 spent) on:
    • all other purchases
Introductory Bonus
  • Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That’s 6.5% on travel purchased through Chase Ultimate Rewards®, 4.5% on dining and drugstores, and 3% on all other purchases.
Key Features
  • DoorDash membership: A free membership (DashPass) for three months, and a 50% discount for the next nine months; a DashPass provides free delivery and reduced service fees on orders over $12.
  • Shop through Chase/Chase Offers: Earn extra cash back or find discounts with the Shop through Chase and Chase Offers programs.
  • ShopRunner membership: Get free two-day shipping at a wide selection of retailers.
  • Lyft credits: Once per month you can earn a $10 Lyft credit for every five rides you take.
  • Boxed rewards: 5% cash back rewards on Boxed Wholesale orders to be used for future purchases
  • Fandango discount: $5 off every two tickets you buy
  • Shopping and travel protections: Purchase Protection, Extended Warranty, Auto Rental Collision Damage Waiver, Trip Cancellation/Trip Interruption Insurance, Roadside Dispatch, Travel and Emergency Assistance Services
  • Purchase APR: 0% Intro APR on Purchases for 15 months, then 14.99% - 24.74% Variable
  • Annual fee: $0

The information related to Chase Freedom Unlimited® has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

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  • Min. credit levelGood
  • Annual Fee$0 Rates & Fees
  • Purchase APR0% on purchases for 15 months, then 13.99% - 23.99% Variable

Rates & Fees

  • Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
  • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 15 months after account opening. Plans created after that will have a monthly plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
  • Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%.
  • 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% Cash Back at U.S. gas stations and at select U.S. department stores.
  • 1% Cash Back on other purchases.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits.
  • No annual fee.
  • Terms Apply.
Why We Picked It

The Blue Cash Everyday® Card from American Express (Review) has a bit more reward potential than the other general-use cards listed here. Instead of a set amount of cash back for every purchase, this card has bonus reward categories.

This card is more rewarding for certain types of purchases. If you tend to make a lot of purchases of these types, a card like this could net you a fair bit of cash back every year.

The Blue Cash Everyday has superior benefits compared to the HSBC card. They include access to Amex Offers, a selection of discounts at many popular merchants. Some of those can be quite high, and most offer a discount of at least 10%. Another is Entertainment Access, which provides exclusive offers for live events in big cities. This one will be less useful on average, but it could still be quite valuable for some people.

With no annual fee, the Blue Cash Everyday offers 15 months at 0% APR for purchases before the regular 13.99% - 23.99% Variable APR begins (Rates & Fees).

Since these cards have different rewards programs, a good strategy could be using them both together. You can use the Blue Cash Everyday whenever you’ll get 3% or 2% back. And then use the HSBC card for every other purchase to get 1.65% back. Neither card has an annual fee, so you wouldn’t need to pay anything extra as long as you avoid interest.

You can also get an enhanced version of the Blue Cash Everyday, the Blue Cash Preferred® Card from American Express (Review). This card has an annual fee of $0 introductory annual fee for the first year, then $95 Rates & Fees. (Rates & Fees)

Rewards
Spending Rewards
  • 3% cash back at U.S. supermarkets (earned as a statement credit; up to $6,000 per year in purchases, then 1%)
  • 2% cash back at:
    • U.S. gas stations
    • Select U.S. department stores
  • 1% cash back on other eligible purchases
Introductory Bonus
  • $200 statement credit for spending $2,000 in the first 6 months.
Key Features
  • Amex Offers: Earn extra cash back at a variety of merchants.
  • Complimentary ShopRunner membership: Register with ShopRunner for free two-day shipping and returns at select online retailers.
  • Entertainment Access: Exclusive tickets to events, concerts, sports, and shows
  • Travel protections: Car Rental Loss and Damage Insurance, Global Assist Hotline
  • Purchase APR: 0% for 15 months, then 13.99% - 23.99% Variable
  • Annual fee: $0 Rates & Fees

Enrollment required for select benefits; terms and limitations apply.

Blue Cash Everyday® Card from American Express (Rates & Fees)

Enrollment required for select benefits; terms and limitations apply.
American Express is a Credit Card Insider advertiser.

The information related to Blue Cash Everyday® Card from American Express has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

  • Min. credit levelGood
  • Annual Fee$0
  • Purchase APRSee Terms
Why We Picked It

The Discover it® Cash Back (Review) is another rewards card with no annual fee. But instead of set categories, this card has bonus reward categories that change every three months.

The changing categories are much different than the 1.65% back for every purchase you get with the HSBC Cash Rewards. With the Discover it Cash Back you’ll need to think about which purchases you’ll currently get 5% cash back for at any given time. It’s made for someone who will take more of an active interest in the rewards they’re earning. But if you’d rather go for something simple, the HSBC card doesn’t require much thought to use.

Discover will double the total amount of rewards you earn in your first year, which is a great offer. That means you’ll be getting 10% cash back in the bonus categories in the first year. And 2% back for every other purchase you make in the first year, which is better than the HSBC card.

You could use the Discover it Cash Back together with the HSBC Cash Rewards to earn a fair amount of cash back for every purchase.

You’d want to use the HSBC Cash Rewards during the first year for the first $10,000 in purchases, and then the Discover it Cash Back card afterward, which earns 2% back on non-category purchases in that first year. After the first year the Discover it Cash Back drops to 1% for those purchases, so the 1.65% you’ll get from the HSBC card is better.

Rewards
Spending Rewards
  • 5% cash back in rotating categories (up to $1,500 spent per quarter, then 1%; activation required):
    • January – March: Grocery Stores, Walgreens, CVS
    • April – June: Gas Stations, Wholesale Clubs, Select Streaming Services
    • July – September: Restaurants, PayPal
    • October – December: Amazon.com, Target.com, Walmart.com
  • 1% cash back on all other purchases
Introductory Bonus
  • Cashback Match: Get double cash back for the first year, provided at the end of the first year
Key Features
  • Amex Offers: Earn extra cash back at a variety of merchants.
  • Complimentary ShopRunner membership: Register with ShopRunner for free two-day shipping and returns at select online retailers.
  • Entertainment Access: Exclusive tickets to events, concerts, sports, and shows
  • Travel protections: Car Rental Loss and Damage Insurance, Global Assist Hotline
  • Purchase APR: 0% for 15 months, then 13.99% - 23.99% Variable
  • Annual fee: $0 Rates & Fees

Enrollment required for select benefits; terms and limitations apply.

Blue Cash Everyday® Card from American Express (Rates & Fees)

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HSBC Cash Rewards Mastercard® credit card
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  • Min. credit levelFair
  • Annual Fee$0
  • Purchase APR0% for 12 months, then 14.99–24.99% Variable

Do you have the HSBC Cash Rewards Mastercard card? How do you like it, and what do you use it for? Leave a comment, we’d love to hear from you!

Take a look at our other top choices for 0% APR cards. Best 0% APR Credit Cards

For rates and fees of the Blue Cash Preferred® Card from American Express, please click here.

For rates and fees of the Blue Cash Everyday® Card from American Express, please click here.

Written by

Brendan Harkness

Brendan has been writing about personal finance for over eight years, and is now taking on the challenge of bringing high-quality credit education to the masses. He makes sure that Credit Card Insider is covering the most important credit topics transparently and precisely, and that we have up-to-date reviews of credit cards so you can find cards that are right for you.

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The responses below are not provided or commissioned by bank advertisers. Responses have not been reviewed, approved or otherwise endorsed by bank advertisers. It is not the bank advertisers' responsibility to ensure all posts are accurate and/or questions are answered.

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