Are you searching high and low for an easy-to-use, $0 annual fee cash back credit card that lets you earn rewards on all the purchases you make? If your answer is yes, HSBC Cash Rewards Mastercard® credit card could be worth looking into. This cash back credit card has a generous bonus offer for new cardholders, in addition to a solid suite of perks and benefits anyone will be able to appreciate.

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HSBC Cash Rewards Mastercard<sup>®</sup> credit card

HSBC Cash Rewards Mastercard® credit card

APPLY NOWAt HSBC's secure website
  • Earn an Introductory 3% Cash Back on all purchases in the first 12 months from Account opening, up to the first $10,000 in purchases
  • Earn unlimited 1.5% cash rewards on all purchases.
  • Earn an Introductory 3% Cash Back on all purchases in the first 12 months from Account opening, up to the first $10,000 in purchases
  • 10% Anniversary Bonus on all Cash Rewards earned once a year.
  • No Annual Fee.
  • 0% Intro APR for 12 months on purchases and balance transfers, then a 15.24%, 19.24% or 25.24% variable APR.
  • No Foreign Transaction Fees.
  • $0 liability for unauthorized purchases.
  • Terms Apply.
  • See Rates & Fees
APPLY NOWAt HSBC's secure website

0% Introductory APR on purchases and balance transfers for the first 12 months from account opening

Variable APR of 15.24%, 19.24% or 25.24% will be applied

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Here, GET.com provides answers to key questions about how HSBC Cash Rewards Mastercard® credit card works and what it offers.

Apply for HSBC Cash Rewards Mastercard® credit card at the official HSBC website

Frequently Asked Questions About HSBC Cash Rewards Mastercard® credit card
Do I get an introductory offer if I go for this card?
Is this a good cash rewards credit card?
Do I get any special benefits from this card?
Does this card have an annual fee?
Are there ways to earn additional rewards points/cash back?
Is this a good card for international spending?
Is this card good for balance transfers?
Will my cash rewards expire?
Is there a penalty if I pay late?
Can I get this card even if I have bad credit?
Do I get access to my credit score?
Who is this card for?

Questions And Answers For HSBC Cash Rewards Mastercard® credit card

Question: Do I get an introductory offer if I go for this card?

Answer: Yes, HSBC Cash Rewards Mastercard® credit card has a very generous introductory bonus offer for new cardholders - it lets you earn 3% cash back on all purchases in the first 12 months from Account opening, up to the first $10,000 in purchases, after that keep earning 1.5% cash back on all your purchases.

Question: Is this a good cash rewards credit card?

Answer: Yes, HSBC Cash Rewards Mastercard® credit card lets you earn 1.5% cash back on all your purchases. Remember, your cash back will be awarded in the form of Cash Rewards. If you prefer, you can also redeem your Cash Rewards for travel, merchandise such as electronics, luggage, sports gear, kitchenware, gift cards and more. If you are someone who appreciates flexibility in how you can use your credit card rewards, HSBC Cash Rewards Mastercard® credit card could be a great option for you.

Question: Do I get any special benefits from this card?

Answer: Yes, HSBC Cash Rewards Mastercard® credit card is pretty generous in terms of what it has to offer to cardholders. On top of letting you earn Cash Rewards, this card provides you with travel benefits such as up to $1 million coverage for you and your family if an accident happens on a commercial passenger vehicle; up to $50,000 coverage in the event of damage, theft or collision of a rental vehicle; the ability to use HSBC's online travel rewards website to redeem your rewards for flights, car rentals and hotel reservations. Additionally, HSBC Cash Rewards Mastercard® credit card offers shopping benefits such as price protection, extended warranty and purchase assurance. Cardholders also enjoy fraud protection and the convenience of using mobile payment options like Android Pay, Apple Pay and Samsung Pay. Terms apply.

Question: Does this card have an annual fee?

Answer: No, you do not have to pay to enjoy using this card as it has a $0 annual fee.

Question: Are there ways to earn additional cash rewards?

Answer: Yes, the more you spend using your HSBC Cash Rewards Mastercard® credit card, the more Cash Rewards you will earn. How so? In addition to the regular Cash Rewards you will earn, this card also gives you the benefit of earning a 10% Anniversary Bonus on all Cash Rewards earned each year. This is a huge benefit especially when you consider that this card has a $0 annual fee.

Question: Is this a good card for international spending?

Answer: Yes, HSBC Cash Rewards Mastercard® credit card is definitely a credit card you should reach for when you go abroad or shop online at international retailers because it has no foreign transaction fees. If you travel frequently or if your favorite online retailers are not in the United States, using HSBC Cash Rewards Mastercard® credit card can help you save quite a fair bit of money since most credit cards charge a 3% or 2.7% foreign transaction fee per transaction converted to U.S. dollar.

Question: Is this card good for balance transfers?

Answer: Yes, this card has a 0% introductory APR for 12 months on purchases and balance transfers. If you carry balances on your other credit cards, transferring the balances to this card could save you some money on interest charges but you will, of course, have to clear your balances within 12 months to fully benefit from the intro APR offer. After the intro APR period a 15.24%, 19.24% or 25.24% variable APR will apply, depending on your creditworthiness. Keep in mind balance transfer fees apply for each balance transfer transaction and credit card check. The balance transfer fee is either $10 or 4% of the balance transferred, whichever is greater.

Also, the 0% introductory APR for 12 months on purchases and balance transfers does not apply to purchases, cash advances and overdrafts. For credit card purchases, a 15.24%, 19.24% or 25.24% variable APR will apply, depending on your creditworthiness. For cash advances, a 27.24% variable cash advance APR will apply along with a cash advance fee of either $10 or 4%, whichever is greater. The cash advance fee will apply on each cash advance transaction.

Question: Will my cash rewards points expire?

Answer: No, your Cash Rewards do not expire so long as you are still a {{CNAME}} cardholder and your card account is active, open and in good standing.

Question: Is there a penalty if I pay late?

Answer: Yes, you will be liable for a late payment penalty fee of up to $37 if you do not pay your credit card bill on time. Also, a 32.24% variable penalty APR may be applied to your account if you make a late payment. If this penalty APR is applied, HSBC will apply it to your account for at least 6 months.

Question: Can I get this card even if I have bad credit?

Answer: No, you cannot get your hands on this card if you have bad credit. HSBC Cash Rewards Mastercard® credit card is reserved for people who have excellent or good credit. If you do not have excellent or good credit, we would advise you to look up another more suitable credit card because getting rejected can hurt your credit further.

Question: Do I get access to my credit score?

Answer: No, this card does not give you access to your credit score. It is your duty to keep track of your own credit score and pull up your score if need be. In case this comes in handy, here are some tricks to improve your credit score in no time.

Question: Who is this card for?

Answer: HSBC Cash Rewards Mastercard® credit card is a straightforward cash back credit card that anyone with excellent or good credit can consider getting. It rewards you with cash back on everything you purchase. It has a great bonus intro offer that is hard to beat - HSBC Cash Rewards Mastercard® credit card lets you earn an intro rate of 3% cash back on all purchases in the first 12 months from opening your account (up to the first $10,000 in purchases), after that, you will earn 1.5% cash back on all purchases you make.

More about HSBC Cash Rewards Mastercard® credit card:
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