
HSBC Cash Rewards Mastercard Credit Card
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Community Rating |
Rating not yet determined |
Purchase APR (Variable APR) | 13.99% - 23.99% |
Balance Transfer APR (Variable APR) | 13.99% - 23.99% |
Credit Score Range | 660 - 850 |
Annual Fee | $0 |
HSBC Cash Rewards Mastercard Credit Card Review
This is a cashback 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.
Key Takeaways
- Generous reward rate. You can get a maximum cashback rewards rate of up to 3x.
- 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.
- 3% Introductory Cash Back Earn on all purchases in the first 12 months from Account opening, up to the first $10,000 in purchases.
- Competitive APRs. HSBC Cash Rewards Mastercard Credit Card has a variable purchase APR that ranges from 13.99% up to 23.99%.
- No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible 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 4% on balance transfers. For example, a balance of $1,000 could cost $40 in transfer fees. The minimum fee is $10.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, access to a concierge, emergency support, identity theft protection, travel accident insurance, travel assistance, and fraud protection.
- Fair or better credit required. You will have good approval odds if your credit score is above 660.
Pros & Cons of HSBC Cash Rewards Mastercard Credit Card
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HSBC Cash Rewards Mastercard Credit Card FAQ
Does HSBC Cash Rewards Mastercard Credit Card have a cash back or rewards program?
This is a cashback card. This means you earn a percentage of your purchases as cash back rewards. You will receive 1.5% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $15 back in cash. However, you can earn up to 3% for purchases in a bonus category.
Minimum rewards rate | 1.5x |
Max rewards rate | 3x |
Annual rewards limit | N/A |
Signup Bonus ($) | N/A |
Does HSBC Cash Rewards Mastercard Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does HSBC Cash Rewards Mastercard Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the HSBC Cash Rewards Mastercard Credit Card benefits?
It provides the following benefits:
- Auto Rental Collision Damage Waiver
- Emergency Support
- Zero fraud liability
- Travel Accident Insurance
- Cell Phone Protection
- Travel Assistance
- 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 regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.HSBC Cash Rewards Mastercard Credit Card has a variable purchase APR that ranges from 13.99% up to 23.99%. The card has a variable balance transfer APR that ranges from 13.99% up to 23.99%. 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 intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 12 months.
Description | |
---|---|
Balance Transfer Introductory APR | 0% |
Balance Transfer Intro APR Period | 12 months |
Balance Transfer APR | 13.99% - 23.99% |
Balance Transfer Fee Minimum | $10 |
Balance Transfer Fee % | 4% |
Does HSBC Cash Rewards Mastercard Credit Card have an intro APR offer on new purchases?
Description | |
---|---|
Introductory Rate | 0% |
Purchase Intro APR Period | 12 months |
This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 12 months.
What are the fees for HSBC Cash Rewards Mastercard Credit Card?
The following fees apply:
Fees | Amount |
---|---|
Annual Fee | $0 |
Foreign Transaction Fee | 0% |
Returned Payment Fee | up to $39 |
Late Payment Fee | up to $39 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
Does HSBC Cash Rewards Mastercard Credit Card have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for HSBC Cash Rewards Mastercard Credit Card?
The HSBC Cash Rewards Mastercard Credit Card customer service number is (800) 975-4722.
What is the support contact email for HSBC Cash Rewards Mastercard Credit Card?
The support contact email for HSBC Cash Rewards Mastercard Credit Card is hsbcusahelp@us.hsbc.com.
What is the HSBC Cash Rewards Mastercard Credit Card login page?
You can access the HSBC Cash Rewards Mastercard Credit Card login page here.
How do people rate the customer service and user experience of HSBC Cash Rewards Mastercard Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does HSBC Cash Rewards Mastercard Credit Card report your account activity to credit bureaus?
Yes, 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 may 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 your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Message From HSBC Cash Rewards Mastercard Credit Card
Contact
- Headquarters
-
425 Fifth Avenue
New York, NY 10018 USA - (800) 975-4722
- Visit Site
- Email Support
Other Services by HSBC Bank USA
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- 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
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
Introductory Rate | 0% |
Purchase Intro APR Period (Variable APR) | 12 months |
HSBC Cash Rewards Mastercard Credit Card Community Reviews
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