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HSBC Cash Rewards Mastercard Credit Card

in Personal Credit Cards from HSBC Bank USA

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HSBC Cash Rewards Mastercard Credit Card

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in Personal Credit Cards from HSBC Bank USA

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Highlights
Highlights
Annual Fee $0
Purchase APR (Variable APR) 14.49% - 24.49%
Balance Transfer APR (Variable APR) 14.49% - 24.49%
Credit Score Range 680 - 850

Overview

Who is HSBC Cash Rewards Mastercard Credit Card designed for?

HSBC Cash Rewards Mastercard Credit Card is a credit card issued by HSBC Bank USA, which is based in New York, NY. 

HSBC Cash Rewards Mastercard Credit Card is designed for people with a credit score of 680 to 850.

This card does not charge an annual fee, which makes it ideal for those looking to minimize costs. It is designed for people who want a cashback rewards program. This card allows you to earn cash on the purchases you make. A rewards program is included that allows you to convert your purchases into travel, gifts, or other perks. This card supports balance transfers, which is an attractive feature if you have credit card debt and would like to transfer it to a card with a lower APR.

What are the relevant APRs for HSBC Cash Rewards Mastercard Credit Card?

HSBC Cash Rewards Mastercard Credit Card has a variable purchase APR that ranges from 14.49% up to 24.49%. The card has a variable balance transfer APR that ranges from 14.49% up to 24.49%.

It also has a variable cash advance APR starting at 26.49%.

The good news is this card does not charge a penalty APR if you are late on a payment.

Does HSBC Cash Rewards Mastercard Credit Card have an introductory APR offer?

Yes, HSBC Cash Rewards Mastercard Credit Card offers an introductory APR rate on balance transfers of 0% for a period of 15 months.

HSBC Cash Rewards Mastercard Credit Card does not offer an introductory rate on new purchases.
HSBC Cash Rewards Mastercard Credit Card Rates & Terms
Purchase APR 14.49% - 24.49%
Balance Transfer APR 14.49% - 24.49%
Cash Advance APR Starting at 26.49%
Penalty APR 31.49%

What are the HSBC Cash Rewards Mastercard Credit Card fees?

The following fees apply to HSBC Cash Rewards Mastercard Credit Card:

  • There is no annual fee.
  • A late payment penalty of up to $37.
  • HSBC Cash Rewards Mastercard Credit Card does not charge a returned payment fee.

Does HSBC Cash Rewards Mastercard Credit Card have a foreign transaction fee?

HSBC Cash Rewards Mastercard Credit Card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.
HSBC Cash Rewards Mastercard Credit Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 0%
Balance Transfer Fee 4%
Minimum Balance Transfer Fee $10
Returned Payment Fee $25
Late Payment Fee $37

Is there a HSBC Cash Rewards Mastercard Credit Card cash back or rewards program?

HSBC Cash Rewards Mastercard Credit Card offers a rewards program to its customers. The rewards program allows you to earn cash with every purchase you make. This card features rewards for purchases in the following categories:

  • Every Purchase

Does HSBC Cash Rewards Mastercard Credit Card have a signup bonus?

Yes, HSBC Cash Rewards Mastercard Credit Card offers card users a signup bonus worth up to $150 after spending $500.

Does HSBC Cash Rewards Mastercard Credit Card offer an annual loyalty bonus?

HSBC Cash Rewards Mastercard Credit Card doesn't offer a cash loyalty bonus.

What are the HSBC Cash Rewards Mastercard Credit Card benefits?

HSBC Cash Rewards Mastercard Credit Card provides the following benefits:

  • Free Credit Score
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Price Protection
  • Travel Accident Insurance
  • No blackout dates when redeeming miles
  • Travel Assistance
  • ID Theft Protection
  • Reports to major credit bureaus

Does HSBC Cash Rewards Mastercard Credit Card report your account activity to credit bureaus?

HSBC Cash Rewards Mastercard Credit Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian

Making regular and on-time payments on a credit card that reports your account activity to credit bureaus will demonstrate that you consistently manage debt well and can help increase your credit scores.

How to apply for HSBC Cash Rewards Mastercard Credit Card

  • Click here to go to the HSBC Bank USA application form.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application was rejected and what you can do about it.
    SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

    Contact

    • Headquarters
    •   425 Fifth Avenue
      New York, NY 10018 USA
    •   Visit Site

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    Availability

    Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
      Available in 50 states and Washington, D.C.
    • Alabama
    • Alaska
    • Arizona
    • Arkansas
    • California
    • Colorado
    • Connecticut
    • Delaware
    • Washington, DC
    • Florida
    • Georgia
    • Hawaii
    • Idaho
    • Illinois
    • Indiana
    • Iowa
    • Kansas
    • Kentucky
    • Louisiana
    • Maine
    • Maryland
    • Massachusetts
    • Michigan
    • Minnesota
    • Mississippi
    • Missouri
    • Montana
    • Nebraska
    • Nevada
    • New Hampshire
    • New Jersey
    • New Mexico
    • New York
    • North Carolina
    • North Dakota
    • Ohio
    • Oklahoma
    • Oregon
    • Pennsylvania
    • Rhode Island
    • South Carolina
    • South Dakota
    • Tennessee
    • Texas
    • Utah
    • Vermont
    • Virginia
    • Washington
    • West Virginia
    • Wisconsin
    • Wyoming

    Feature Breakdown

    Grace Period for Late Payment (Days) 25
    Annual Fee $0
    Foreign Currency Transaction Fee 0%
    No Annual Fee  
    No Foreign Transaction Fee  
    Returned Payment Fee $25
    Minimum Interest Charge $1
    Late Fee Amount $37
    Balance Transfer Fee % 4%
    Balance Transfer Fee Minimum $10
    Minimum Age 18
    Credit Score Range 680 - 850
    Immigration Status Considered
    • U.S. Citizen
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    • Unemployed
    Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
    Supported Income Types
    • 1099 Misc. Income
    • Cash
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
    Customer Type Personal
    Car Rental Insurance  
    Extended Warranty  
    Fraud Liability  
    Travel Insurance  
    Emergency Support  
    Credit Card Benefits
    • Auto Rental Collision Damage Waiver
    • Emergency Support
    • Extended Warranty Protection
    • Fraud Liability
    • Free Credit Score
    • Identity Theft Protection
    • Price Protection
    • Purchase Protection
    • Travel Accident Insurance
    • Travel Assistance
    Bonus Rewards $150 Cash Back after spending $500 or more in new, net card purchases during the first 3 months from Account opening. 10% Anniversary Bonus on all Cash Rewards earned each year.
    All Other Purchases 1.5% Unlimited Cash Back on all purchases.
    No Blackout Dates  
    Every Purchase 1.5% Unlimited Cash Back on all purchases.
    No Reward Expiration Period  
    Rewards Categories
    • Every Purchase
    Signup Bonus $150
    Purchase APR (Variable APR) 14.49% - 24.49%
    Cash Advance APR (Variable APR) Starting at 26.49%
    Balance Computation Average Daily Balance (including new purchases)
    Penalty APR 31.49%
    Balance Transfer APR (Variable APR) 14.49% - 24.49%
    Introductory Rate 0%
    Intro APR period (months) 15

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