HSBC Cash Rewards Mastercard® credit card

HSBC Cash Rewards Mastercard® credit card

HSBC Cash Rewards Mastercard® credit card

HSBC Cash Rewards Mastercard® credit card

HSBC Cash Rewards Mastercard® credit card

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Card details

  • 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

  • No Annual Fee.

  • 0% Intro APR for 12 months on purchases and balance transfers, then a 12.99% - 22.99% variable APR.

  • No Foreign Transaction Fees.

  • $0 liability for unauthorized purchases.

  • Terms Apply.

Rates, fees & offers

  • Annual fee

    $0

  • Rewards rate

    1.5%

  • Bonus offer

    None

  • Intro APR

    0% Introductory APR on credit card purchases and balance transfers for the first 12 months from account opening.

  • Ongoing APR

    APR: 12.99% - 22.99%, Variable

    Cash Advance APR: 24.99%, Variable

  • Balance transfer fee

    Either $10 or 4%, whichever is greater, will apply on each balance transfer

  • Foreign transaction fee

    None

Recommended credit score

Compare to other cards

HSBC Cash Back Mastercard

HSBC Cash Rewards Mastercard® credit card

NerdWallet rating 
NerdWallet rating 
NerdWallet rating 
Annual Fee

$0

Annual Fee

$95

Annual Fee

$0

Regular APR

12.99% - 22.99%, Variable

Rates & Fees

Regular APR

15.99% - 22.99% Variable APR

Regular APR

12.99% - 22.99% Variable APR

Intro APR

0% Introductory APR on credit card purchases and balance transfers for the first 12 months from account opening.

Intro APR

N/A

Intro APR

0% intro APR for 18 billing cycles on purchases and on any balance transfers made within 60 days of account opening

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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NerdWallet review

By Sara Rathner

Rating details

4.5

Editor's overall rating

Pros and cons

Pros
  • High rewards rate

  • No annual fee

  • 0% Introductory APR on credit card purchases and balance transfers for the first 12 months from account opening, then a variable APR of 12.99% - 22.99% will apply

  • No foreign transaction fee

Cons
  • Potentially complicated redemption

The HSBC Cash Rewards Mastercard® credit card earns 3% back on all purchases in your first year up to $10,000 spent. After that, it earns 1.5% back on everything. The annual fee is $0.

Still, while the card offers multiple redemption options beyond just cash, its strings-attached quirks might give you some pause.

For more information, see NerdWallet's full review of this card.