Who is this credit card designed for?

HSBC Cash Rewards Mastercard is a credit card issued by HSBC Bank USA, which is based in New York, NY, and was established in 1865.

HSBC Cash Rewards Mastercard is designed for people with a credit score of 680 to 850. It's perfect for consumers looking for a card without an annual fee. It is also 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, and 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?

HSBC Bank USA charges a variable APR on new purchases that ranges from 14.24% to 24.24%. Balance transfer APRs, which are also variable, range from 14.24% to 24.24%

Note that late payments are subject to an APR of 31.24% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Is an introductory APR offer available?

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

What are the fees?

The following fees apply to HSBC Cash Rewards Mastercard:

  • A late payment penalty of $37.
  • A returned payment fee of $25.

Is a rewards program offered?

HSBC Cash Rewards Mastercard 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

Is a signup bonus offered?

Yes, HSBC Cash Rewards Mastercard offers card users a signup bonus worth up to $150.

What additional benefits are offered?

HSBC Cash Rewards Mastercard provides the following benefits:

  • Car rental insurance
  • Emergency support
  • Extended warranty
  • Fraud liability
  • Travel insurance
    • Credit Score Range
      680 - 850
    • Employment Statuses Considered
      • Employed Full-Time
      • Employed Part-Time
      • Other
      • Retired
      • Self-Employed
      • Unemployed
    • Immigration Status Considered
      U.S. Citizen
    • Military Status
      • Active Duty Military
      • Military Dependent
      • Non-Military
      • Veterans
    • Supported Income Types
      • 1099 Misc. Income
      • Cash / Other
      • Direct Deposit (W2, SSA, SSDI)
      • Payroll Check or Prepaid Card
    • Customer Type
    • Grace Period / Deferred Interest
    • Late Payment Penalty
    • Minimum Interest Charge
    • Returned Payment Fee
    • No Annual Fee
    • No Foreign Transaction Fee
    • Card Type
      • Cash Back
      • Balance Transfer
      • Rewards
    • Card Network
    • Car Rental Insurance
    • Credit Card Benefits
      • Auto Rental Collision Damage Waiver
      • Emergency Support
      • Extended Warranty Protection
      • Fraud Liability
      • Price Protection
      • Purchase Protection
      • Travel Accident Insurance
    • Emergency Support
    • Extended Warranty
    • Fraud Liability
    • Travel Insurance
    • Cashback
    • Rewards Categories
      Every Purchase
    • Signup Bonus
    • Balance Computation
      Average Daily Balance (including new purchases)
    • Penalty APR
    • Purchases APR (variable)
      14.24% - 24.24%
    • Transfer Fee
      up to 4%
    • Balance Transfer APR (variable)
      14.24% - 24.24%
    • Intro APR period (months)
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