Who is this 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. 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, 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?
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%.
Note that late payments are subject to an APR of 31.49% 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 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.
What are the fees?
The following fees apply to HSBC Cash Rewards Mastercard Credit Card:
- There is no annual fee.
- A late payment penalty of $37.
- A returned payment fee of $25.
- There are no foreign transaction fees.
Is a rewards program offered?
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
Is a signup bonus offered?
Yes, HSBC Cash Rewards Mastercard Credit Card offers card users a signup bonus worth up to $150 after spending $500.
Is an annual loyalty bonus offered?
HSBC Cash Rewards Mastercard Credit Card doesn't offer a cash loyalty bonus.
What additional benefits are offered?
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
- 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:
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.
- Washington, DC
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Rhode Island
- South Carolina
- South Dakota
- West Virginia
|Grace Period for Late Payment (Days)||25|
|Foreign Currency Transaction Fee||0%|
|No Annual Fee|
|No Foreign Transaction Fee|
|Late Payment Penalty||$37|
|Returned Payment Fee||$25|
|Minimum Interest Charge||$1|
|Balance Transfer Fee %||4%|
|Balance Transfer Fee Minimum||$10|
|Credit Score Range||
680 - 850
850 300 680
|Immigration Status Considered||
|Employment Statuses Considered||
|Supported Income Types||
|Car Rental Insurance|
|Credit Card Benefits||
|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|
|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)|
|Balance Transfer APR (Variable APR)||14.49% - 24.49%|
|Intro APR period (months)||15|
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