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

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.

  • View Rates and Fees

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

Wondering if this card is the best match for you?

Wondering if this card is the best match for you?

Wondering if this card is the best match for you?

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Just tell us some details and see which card matches your needs most.

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.