HSBC Cash Rewards Mastercard Credit Card
in Personal Credit Cards from HSBC Bank USA
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HSBC Cash Rewards Mastercard Credit Card
in Personal Credit Cards from HSBC Bank USA
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| Purchase APR (Variable APR) | 12.99% - 22.99% |
| Balance Transfer APR (Variable APR) | 12.99% - 22.99% |
| Credit Score Range | 660 - 850 |
| Annual Fee | $0 |
HSBC Cash Rewards Mastercard Credit Card Review
HSBC Cash Rewards Mastercard Credit Card is a cashback credit card issued by HSBC Bank USA. If you're wondering whether HSBC Cash Rewards Mastercard Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.
- Generous reward rate. You will get a cashback rewards rate of up to 3%.
- Earn 3% cash back on everyday purchases. This is higher than the average reward rate (1% cash back) for everyday purchases.
- 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 12 months, which is the average period for 0% APR balance transfer cards.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 12 months.
- Competitive APRs. HSBC Cash Rewards Mastercard Credit Card has a variable purchase APR that ranges from 12.99% up to 22.99%.
- No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
- 4% Balance transfer fee. HSBC Cash Rewards Mastercard Credit Card charges a fee of up to 4% on balance transfers. For example, a balance of $1,000 could cost up to $40 in transfer fees. The minimum fee is $10.
- $0 foreign transaction fee. This card does not charge foreign transaction fees, which makes a great credit card to carry with you when traveling abroad.
- Multiple credit card benefits. Includes generous credit card perks, such as access to a concierge, and fraud protection.
- Fair or better credit required. You stand a chance of qualifying if your credit score is not below 660.
| The Good | The Bad |
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Is there a HSBC Cash Rewards Mastercard Credit Card cash back or rewards program?
HSBC Cash Rewards Mastercard Credit Card is a cashback card. This means you earn a percentage of your purchase as a cash reward. With HSBC Cash Rewards Mastercard Credit Card you receive 1.5% cash back on every purchase. For example, if you buy a $1,000 laptop, you will receive $15 back in cash. However, you can earn up to 3% for purchases in a bonus category.
| Rewards rate (all purchases) | 1.5% |
| Max rewards rate | 3% |
| Annual rewards limit | N/A |
| Signup Bonus ($) | N/A |
Does HSBC Cash Rewards Mastercard Credit Card have a signup bonus?
HSBC Cash Rewards Mastercard Credit Card doesn't offer a cash signup bonus.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:
- Cellular Telephone Protection
- ID Theft Protection
- Reports to major credit bureaus
What are the relevant APRs for HSBC Cash Rewards Mastercard Credit Card?
According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. HSBC Cash Rewards Mastercard Credit Card has lower than average purchase APRs.HSBC Cash Rewards Mastercard Credit Card has a variable purchase APR that ranges from 12.99% up to 22.99%. The card has a variable balance transfer APR that ranges from 12.99% up to 22.99%. It also has a variable cash advance APR of 24.99% . Note that late payments are subject to an APR of 29.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.
Does HSBC Cash Rewards Mastercard Credit Card have an introductory APR offer on balance transfers?
Yes, HSBC Cash Rewards Mastercard Credit Card offers an introductory APR rate on balance transfers of 0% for a period of up to 12 months.
| Description | |
|---|---|
| Balance Transfer APR | 12.99% - 22.99% |
| Balance Transfer Introductory APR | 0% |
| Balance Transfer Intro APR Period (months) | 12 |
| Balance Transfer Fee % | 4% |
| Balance Transfer Fee % After Intro Period | N/A |
| Balance Transfer Fee Intro Period (days) | N/A |
| Balance Transfer Fee Minimum | $10 |
Does HSBC Cash Rewards Mastercard Credit Card have an introductory APR offer on new purchases?
This card does offer an introductory APR rate of 0% on qualified purchases for a period of up to 12 months.
| Description | |
|---|---|
| Introductory Rate | 0% |
| Purchase Intro APR Period (months) | 12 |
What are the fees for HSBC Cash Rewards Mastercard Credit Card?
The following fees apply to HSBC Cash Rewards Mastercard Credit Card:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 0% |
| Returned Payment Fee | up to $39 |
| Late Payment Fee | up to $39 |
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.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
- Transunion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit.
How to apply for HSBC Cash Rewards Mastercard Credit Card
- Visit the HSBC Cash Rewards Mastercard Credit Card website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
- If you're denied click here to find out why your application may have been rejected and what you can do about it.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Contact
- Headquarters
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425 Fifth Avenue
New York, NY 10018 - Visit Site
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Feature Breakdown
| Every Purchase (Points) | 1.5% Unlimited Cash Back on all purchases after the first 12 introductory months. |
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