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HighlightsCredit Card Feature
Things We Like$100 Cash Back
Our Least Favorite Cash advance fee
Our Verdict Straightforward and flexible rewards card

HSBC Platinum MasterCard® with Rewards credit card is a rewards credit card from HSBC that lets you earn rewards on all spending, and also lets you redeem those rewards for cash back, popular gift cards, merchandise, or flights on most major airlines. It comes with a great bonus offer that lets you earn $100 Cash Back after you spend $500 or more in net purchases within the first 3 months from account opening.

In this review, we at GET.com will show you what benefits you can receive from this card and we'll compare HSBC Platinum MasterCard® with Rewards credit card to other similar cards to see how it fares.

Things We Like About HSBC Platinum MasterCard® with Rewards credit card

Earn $100 Cash Back. After you spend $500 or more in new, net purchases within your first three months from opening your card account you earn $100 Cash Back. That's a pretty great bonus and quite easy to achieve since you would only have to spend about $167 each month in the first 3 months to earn the $100 Cash Back bonus.

Earn 1 Rewards Program Point for every dollar. For every dollar you spend in new, net card purchases you earn 1 Rewards Program Point. Although that's not a lot compared to other rewards credit cards in the market, the upside is that you can earn unlimited points that do not expire and redeem them for cash back, popular gift cards, merchandise, or flights on most major airlines.

$0 annual fee. This card has a $0 annual fee. So you get to enjoy this card's benefits without paying a yearly charge.

0% intro APR for 12 months on purchases and balance transfers. This is great if you are transferring a balance to this card or making a big-ticket purchase and don't want to deal with high interest rates from the start. This card gives you a full year to pay off your balance or purchase interest-free, afterwards there is a 13.99%, 17.99% or 23.99% variable APR.

Travel Benefits. Should anything happen while you're traveling know that HSBC Platinum MasterCard® with Rewards credit card has you covered. Both you and your family are provided with up to $1 million in coverage if an accident occurs on a commercial passenger vehicle. In the event of collision, damage or theft of a rental vehicle, you could be eligible for up to $50,000 in coverage. You can use also use HSBCs online travel rewards site to redeem your points for flights, hotel reservations and car rentals.

No foreign transaction fees. This means that when using this card for any payments outside the US, you won't be charged any additional fees for transactions. This is very beneficial while traveling and shopping online on international stores.

Rewards Program. You can choose from over 3,000 top brand name merchandise items, including but not limited to; electronics, luggage, kitchenware, sports gear and more. You can also select from hundreds of gift cards from some of the most popular retailers. You can reward yourself with the unlimited cash back HSBC Platinum MasterCard® with Rewards credit card offers and you can use it for any purpose (rewards never expire).

Android Pay™, Apple Pay™ and Samsung Pay™. Now you can make purchases the way you want - HSBC Platinum MasterCard® with Rewards credit card is mobile payment enabled and supports Android Pay™, Apple Pay™ and Samsung Pay™. You can also use online banking to access your account from your smartphone via HSBC's mobile app.

Fraud coverage. If your card is lost or stolen HSBC Platinum MasterCard® with Rewards credit card offers fraud coverage if your identity is compromised, HSBC provides assistance with credit bureau notification and will replace your credit card if needed.

Our Least Favorite Things About HSBC Platinum MasterCard® with Rewards credit card

Cash advance fee. This is a great card to use to pay when traveling, as there is no foreign transaction fee. But you should avoid using HSBC Platinum MasterCard® with Rewards credit card to get cash from ATMs as it has a high cash advance fee of either $10 or 4% of the amount of each transfer, whichever is greater. It also has a 25.99% variable APR for cash advances, and HSBC begins to charge interest for cash advances right after you make the transaction. Although this card lets you earn rewards on your purchases, the rewards are quite skimpy compared to other good rewards cards.

How Other Cards Compare With HSBC Platinum MasterCard® with Rewards credit card

Pay no annual fee
Intro APR:N/A
Regular APR:26.99% Variable
Annual Fee:$0
Credit Required:Average, Fair, Limited

HSBC Platinum MasterCard® with Rewards credit card is a straightforward rewards credit card that lets you earn 1 rewards point per every dollar spent on new, net card purchases. It has a $0 foreign transaction fee, solid travel insurance coverage and shopping benefits. Emma FoxEmma Fox

HSBC Platinum MasterCard® with Rewards credit card lets you earn $100 cash back after spending $500 or more in new, net purchases in your first three months from when you open your credit card account. This credit card has an easy-to-use rewards program that let's you know exactly how much you're earning without having to fuss over rewards on rotating categories. The flat-rate 1 Rewards Program Point per $1 spent (on new, net purchases) let's you earn rewards easily and these rewards never expire so you can accumulate them for as long as you like. Rewards redemption is very flexible and you can even redeem your rewards for cash back.

In short, this is a credit card to consider if you want to easily earn rewards just by paying for regular purchases. Another good perk is that this card has $0 annual fee - so all your rewards are pure savings.

This card offer is currently unavailable through GET.com! However, click here to check out our best rated Rewards Credit Cards.