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HSBC Cash Rewards Mastercard® credit card
HSBC Cash Rewards Mastercard<sup>®</sup> credit card
HSBC Cash Rewards Mastercard® credit card

HSBC Cash Rewards Mastercard® credit card

 

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Your Rating:

3.8/5.0 from 66 Offer Ratings
Over the Past 60 Days!

(66) Over the Past 60 Days!

 

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Your Rating:

3.8/5.0 from 66 Offer Ratings
Over the Past 60 Days!

(66) Over the Past 60 Days!

Great For

Card Details

Regular Purchase APR

13.99%, 17.99% or 23.99% variable

Intro Purchase APR

N/A

Intro BT APR

0% for 15 months

Annual Fee

$0

Credit Needed

Excellent/Good

Card Brand

Mastercard®

Highlights
  • Click "APPLY NOW" to apply online
  • Limited Time Offer: Earn unlimited 2% cash rewards on purchases made within 6 months of account opening, then 1.5% thereafter.
  • Earn a $150 cash rewards intro bonus after spending $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 13.99%, 17.99% or 23.99% variable APR.
  • No Foreign Transaction Fees.
  • $0 liability for unauthorized purchases.
  • Terms Apply.
Card Fees
  • Balance Transfer Fee

    Either $10 or 4%, whichever is greater, will apply on each balance transfer and credit card check.

  • Penalty APR

    30.99%

  • Foreign Transaction Fee

    None

  • Cash Advance Fee

    Either $10 or 4%, whichever is greater, will apply on each cash advance transaction.

Ongoing Information
  • Rewards Rate

    Unlimited 2% cash rewards on purchases made within 6 months of account opening, then 1.5% thereafter.

  • Annual Fee

    $0

Expert Reviews

  • 3.0 Regular APR
  • 4.0 Intro APR
  • 4.0 Fees
  • 5.0 Benefits
  • 4.0/5 Overall Rating
From the CompareCards.com Editorial Team

The HSBC Cash Rewards Mastercard® credit card is an excellent cash back credit card with a number of rewarding benefits and perks. What makes this credit card unique is that it comes with two separate cash back intro bonuses allowing cardholders to earn a huge amount of rewards. For starters, you can earn a $150 cash rewards intro bonus after spending $500 in the first 3 months. While that's a fairly normal sign up bonus for a cash back card, the HSBC Cash Rewards Mastercard® credit card doubles down on cash rewards by offering unlimited 2% cash rewards on purchases made within 6 months of account opening, then 1.5% thereafter.. As if these great perks weren't enough, you also earn a 10% Anniversary Bonus on all Cash Rewards earned once a year. That can all help you rake in some serious cash back!

There is no annual fee with this card and no foreign transaction fees. You can use this card while traveling out of the country and not worry about getting hit with a pesky transaction fee for every purchase. In addition to the generous cash rewards, this card comes with a solid intro APR of 0% for 15 months on balance transfers. If you're carrying a balance on another card, transfer it to the HSBC Cash Rewards Mastercard® credit card and enjoy well over a year to pay your balance down interest free. It's important to note that a balance transfer fee does apply, but the money you save on interest during the intro period can easily cover the cost of the fee. Either $10 or 4%, whichever is greater, will apply on each balance transfer and credit card check. The APR for new purchases is 13.99%, 17.99% or 23.99% variable.

Overall the HSBC Cash Rewards Mastercard® credit card is a highly competitive cash rewards credit card that beats out many other cards with the duo of cash back intro bonuses. The card also comes with a nice intro APR and few fees making it a great fit for just about any consumer. 

The Good
  • We don't know of any other card that offers a $150 cash rewards intro bonus after spending $500 in the first 3 months in addition to an extra high cash back rate during the first 6 months. To top it off, you pay no annual fee and no foreign transaction fees.
The Not so Good
  • There's no intro APR for purchases with the HSBC Cash Rewards Mastercard® credit card. Also, the balance transfer fee is a bit higher than some of other cards available.
The Bottom Line

The HSBC Cash Rewards Mastercard® credit card can help you rack up big sums of cash back, especially in your first year. It's also a decent option for balance transfers.

Editorial Note: This content is not provided by HSBC. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by HSBC.

Consumer Reviews
(66 Reviews)

Offer Rating

3.8 out of 5.0

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Your Rating

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