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  HSBC Cash Rewards Mastercard Credit Card

HSBC Cash Rewards Mastercard Credit Card

in Personal Credit Cards from HSBC Bank USA

Claimed Special OffersSpecial Offer Available!

HSBC Cash Rewards Mastercard Credit Card

Claimed Special OffersSpecial Offer Available!

in Personal Credit Cards from HSBC Bank USA

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Highlights
Highlights
Annual Fee $0
Purchase APR  (Variable APR) 14.74% - 24.74%
Balance Transfer APR  (Variable APR) 14.74% - 24.74%
Credit Score Range 660 - 850
Rewards Rates 1.5% - 3% on Every Purchase

HSBC Cash Rewards Mastercard Credit Card Review

HSBC Cash Rewards Mastercard Credit Card is a cashback credit card issued by HSBC Bank USA. 

This card is designed for people with fair credit. The minimum credit score to apply is 660. 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.

Pros & Cons of HSBC Cash Rewards Mastercard Credit Card
The Good The Bad
  • No foreign transaction fees.
  • 3% introductory cash back on all purchases for the first 12 months (up to the first $10,000 in purchases) 1.5% unlimited cash back on every dollar thereafter.
  • 0% introductory APR on purchases and balance transfers for the first 12 months.
  • 10% Anniversary Bonus on all Cash rewards earned each year.
  • Lower than average purchase APRs.
  • No annual fee.
  • Has an introductory APR rate on balance transfers of 0%.
  • Multiple credit card perks.
  • Cardholders can earn rewards on their purchases.
  • Offers auto rental collision damage waiver.
  • Access to a concierge.
  • Free access to your credit score.
  • Travel Accident Insurance.
  • Travel Assistance.
  • No foreign transaction fee.
  • Earn rewards on every purchase.
  • HSBC Cash Rewards Mastercard Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • This card only offers basic purchase and travel protection.
  • 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.

    HSBC Cash Rewards Mastercard Credit Card Rewards
    Rewards rate (all purchases) 1.5%
    Max rewards rate 3%
    Annual rewards limit N/A
    Signup Bonus ($) N/A
    Signup Bonus Spend Requirement $0

    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:

    • Free Credit Score
    • Auto Rental Collision Damage Waiver
    • Zero fraud liability
    • Travel Accident Insurance
    • Cellular Telephone Protection
    • Travel Assistance
    • 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 14.74% up to 24.74%. The card has a variable balance transfer APR that ranges from 14.74% up to 24.74%. It also has a variable cash advance APR of 26.74% . Note that late payments are subject to an APR of 31.74% 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?

    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.

    This card does offer an introductory APR rate of 0% on qualified purchases for a period of up to 12 months.

    HSBC Cash Rewards Mastercard Credit Card Balance Transfers
    Description
    Balance Transfer APR 14.74% - 24.74%
    Introductory Rate 0%
    Intro APR period (months) 12
    HSBC Cash Rewards Mastercard Credit Card Rates & Terms
    Description
    Balance Computation Average Daily Balance (including new purchases)
    Purchase APR 14.74% - 24.74%
    Credit Limit N/A
    Penalty APR 31.74%
    Cash Advance APR 26.74%
    Security Deposit N/A
    Introductory Rate 0%
    Intro APR period (months) 12

    What are the HSBC Cash Rewards Mastercard Credit Card fees?

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

    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 up to $25
    Late Payment Fee up to $37

    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 score.

    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.

    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
    •   Visit Site

    Special Limited Time Offers

    10% discount when you book one of the more than 10,000 high-end rental properties in cities like New York, Los Angeles, London, Paris, and more.

    Message from HSBC Bank USA

    A straightforward cash back card for everyday use - enjoy a flat rate on all purchases and an annual 10% bonus on all cash rewards earned.

    Hours of Operation

    • Sunday Closed
    • Monday 8:30am - 5:00pm
    • Tuesday 8:30am - 5:00pm
    • Wednesday 8:30am - 5:00pm
    • Thursday 8:00am - 6:00pm
    • Friday 8:30am - 5:00pm
    • Saturday 9:00am - 1:00pm

    Other Services by HSBC Bank USA

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    View all personal credit cards offered by HSBC Bank USA

    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

    Every Purchase (Points) 1.5% Unlimited Cash Back on all purchases after the first 12 introductory months.
    Annual Fee $0
    Foreign Currency Transaction Fee 0%
    No Annual Fee  
    No Foreign Transaction Fee  
    No Interest Grace Period for Late Payment 25
    Paper Statement Fee $0
    Balance Transfer Fee % 4%
    Balance Transfer Fee Minimum $10
    Cash Advance Fee (%) 4%
    Cash Advance Fee Minimum $10
    Late Fee Amount Up to $37
    Minimum Cash Advance Fee ($) Starting at $10
    Minimum Interest Charge $1
    Returned Payment Fee Up to $25
    Customer Type Personal
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
    Minimum Age 18
    Supported Income Types
    • 1099 Misc. Income
    • Cash
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
    Card Network
    • Mastercard
    Card Type
    • Balance Transfer
    • Bonus Offers
    • Cashback
    • Rewards
    • Zero Percent
    Credit Bureau Reporting
    • Equifax
    • Experian
    • TransUnion
    Car Rental Insurance  
    Credit Card Benefits
    • Auto Rental Collision Damage Waiver
    • Cellular Telephone Protection
    • Concierge
    • Fraud Liability
    • Free Credit Score
    • Identity Theft Protection
    • Travel Accident Insurance
    • Travel Assistance
    Emergency Support  
    Fraud Liability  
    Free FICO Score  
    Travel Insurance  
    Bonus Rewards Earn an Introductory 3% Cash Back on all purchases for the first 12 months from Account opening, up to the first $10,000 in purchases.
    Rewards Rates
    • 1.5% - 3% on Every Purchase
    Cash Advance APR (Variable APR) 26.74%
    Purchase APR (Variable APR) 14.74% - 24.74%
    Balance Computation Average Daily Balance (including new purchases)
    Introductory Rate 0%
    Penalty APR 31.74%
    Balance Transfer APR (Variable APR) 14.74% - 24.74%
    Intro APR period 12
    Introductory Rate 0%

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