HSBC Cash Rewards Mastercard® credit card
HSBC Cash Rewards Mastercard® credit card
HSBC Cash Rewards Mastercard® credit card
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 Rewards Mastercard® credit card | ||
|---|---|---|
Annual Fee$0 | Annual Fee$95 | Annual Fee$0 |
Regular APR15.99% - 22.99% Variable APR | Regular APR12.99% - 22.99% Variable APR | |
Intro APR0% Introductory APR on credit card purchases and balance transfers for the first 12 months from account opening. | Intro APRN/A | Intro APR0% 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 |
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.
