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HSBC Cash Rewards Mastercard Credit Card

in Personal Credit Cards

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HSBC Cash Rewards Mastercard Credit Card

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in Personal Credit Cards

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Overview

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:

  • Equifax
  • Experian

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.

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Contact

  • Headquarters
  •   425 Fifth Avenue
    New York, NY 10018 USA
  •   Visit Site

Other Services 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

No Fees
Grace Period for Late Payment (Days)
25
Annual Fee
$0
Foreign Currency Transaction Fee
0%
No Annual Fee
 
No Foreign Transaction Fee
 
List of Fees
Late Payment Penalty
$37
Returned Payment Fee
$25
Minimum Interest Charge
$1
Balance Transfer Fee %
4%
Balance Transfer Fee Minimum
$10
Minimum Age
18
Credit Score Range
680 - 850
850 300 680
Immigration Status Considered
  • U.S. Citizen
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Customer Type
Personal
Car Rental Insurance
 
Extended Warranty
 
Fraud Liability
 
Travel Insurance
 
Emergency Support
 
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Free Credit Score
  • Identity Theft Protection
  • Price Protection
  • Purchase Protection
  • Travel Accident Insurance
  • Travel Assistance
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
 
Rewards Categories
  • Every Purchase
Signup Bonus
$150
Percentage
Purchase APR
(Variable APR)
14.49% - 24.49%
    0% 29%
Percentage
Cash Advance APR
(Variable APR)
Starting at
26.49%
Balance Computation
Average Daily Balance (including new purchases)
Penalty APR
31.49%
Percentage
Balance Transfer APR
(Variable APR)
14.49% - 24.49%
    8% 29%
Introductory Rate
0%
Intro APR period (months)
15

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