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 14.49% - 24.49% variable APR.
No Foreign Transaction Fees.
$0 liability for unauthorized purchases.
Rates, fees & offers
0% Introductory APR on credit card purchases and balance transfers for the first 12 months from account opening.
APR: 14.49% - 24.49%, Variable
Cash Advance APR: 26.49%, Variable
Balance transfer fee
Foreign transaction fee
Recommended credit score
Not sure which card is best for you?
By Sara Rathner
Editor's overall rating
Pros and cons
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 14.49% - 24.49% will apply
No foreign transaction fee
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.
NerdWallet reviews are the result of independent research by our editorial team while cardholder reviews are contributions from independent users not affiliated with NerdWallet. Banks, issuers and credit card companies are not responsible for any content posted on the NerdWallet site, nor do they endorse or guarantee any posted comments or reviews.