Leave your own review of the Cash Rewards Mastercard, we’d love to hear from you! Content is accurate to the best of our knowledge when it's published. 0% Introductory Period12 months (See rates and fees), Transfer Fee4% (or $10, whichever is greater) (See rates and fees), Introductory Purchase APR0% for 12 months (See rates and fees), Regular APR14.74-24.74% (variable) (See rates and fees), Other Notable Features: No foreign transaction fee; car rental insurance; airport concierge; travel assistance; travel medical assistance; legal referral services; roadside assistance; travel accident insurance; extended warranty; purchase protection; price protection; identity theft protection; mobile payments. That’s especially true if you don’t want to deal with the hassle of figuring out which card to use for which bonus reward category. The icing on the cake? ADVERTISER DISCLOSURE CreditCards.com is an independent, advertising-supported comparison service. HSBC Cash Rewards Mastercard® The card details have not been reviewed or approved by the card issuer. Take advantage of the 3% introductory bonus reward rate and earn extra cash on your first $10,000 in purchases throughout your first year as a cardholder. If you have the HSBC card, you can check to see how closely your FICO scores match up between your Experian and TransUnion credit reports. That means you’ll be getting 10% cash back in the bonus categories in the first year. Learn the difference between networks like Visa and issuing banks like Capital One, which banks are biggest, and more. You need to have an HSBC Advance Bank Account (or have paid a total of £1750 a month into an HSBC … Less well-known than other 1.5 percent cash back cards from bigger banks, the HSBC Cash Rewards Mastercard stands out from its competitors with a solid 10 percent anniversary bonus that can substantially boost cardholders’ earnings. But it does make checking your score with the Amex card more convenient. Plus, a week after ever cardholder anniversary, you’ll get a 10% bonus on all of your cash rewards earned throughout the prior year. There are a few other good general-use rewards cards with slightly different terms and features. It’s based on your Experian credit report, just like the HSBC card. Privacy Policy, Essential news and expert tips in your inbox every week. No foreign transaction fee. Use this card wherever you want because you’ll always get 1.5% cash back, no matter what you buy. 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. You won’t be able to check in on any of your FICO scores with the Chase Unlimited card, however. It also offers HSBC Rewards points on your everyday spending. This card is more rewarding for certain types of purchases, as you can see. So, stick with statement credits or direct deposits to get your cash back. The HSBC Gold Mastercard® credit card is highlighted by a late fee waiver once every 12 months. Check out some similar card offers below. If you tend to make a lot of purchases of these types, a card like this could net you a fair bit of cash back every year. HSBC Cash Rewards Mastercard® credit card Program Rules Rewards Brochure 10/2020. There are only some basic shopping and travel protections available. This 2% rate is the main feature of the Double Cash card. But the Discover it® Miles (Review) is a surprisingly good card offer that isn’t limited to travelers and travel expenses. Reasonable efforts are made to maintain accurate information, though all credit card information is presented without warranty. The HCBC Cash Rewards provides cardholders with their FICO 8 Credit Scores based on Experian credit reports. And Discover offers everyone, cardholder or not, the ability to check their FICO Score 8 online. Your credit cards journey is officially underway. The average cash back card, by contrast, charges an APR around 17.14 percent, according to CreditCards.com data. After the first year the Discover it Cash Back drops to 1% for those purchases, so the 1.65% you’ll get from the HSBC card is better. And it’s a pretty good offer compared to other general-use rewards cards, thanks in large part to Discover Match. However, Credit Card Insider does not make any guarantees about the accuracy or completeness of the information provided. 10% Anniversary Bonus on all Cash Rewards earned each year. In addition to all that, this card has no annual fee. And it’s a better base rate than the Discover it Miles, which is next on our list. This is a very low-cost card, with no annual fee. There are a few other ways to redeem your cash back, but they require more work. Those include Fraud Protection, an assurance that you won’t be held responsible for unauthorized charges on your account. You’ll need to decline the rental company’s own insurance or damage waiver in order for this to apply. Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%. But it does make it easy to earn more than the 1% back on non-category purchases you’ll get with most reward cards, and the 3% introductory reward rate makes this card even more valuable. There are also some account management features. Another is Entertainment Access, which provides exclusive offers for live events in big cities. 10% Anniversary Bonus on all Cash Rewards earned once a year. HSBC Cash Rewards Mastercard Bonus With this card, you’ll double your cash-back earnings, to 3% in cash back, on up to $10,000 in spending … This card also makes it easy for cardholders to maximize their earnings, based on how they like to use credit. The hook for this card is a 12-month introductory period of 3% cash back rewards along with an introductory 0% APR offer for both new purchases and balance transfers. Provides $1,000,000 in coverage when traveling by common carrier, against accidental loss of life, limb, speech, sight, or hearing. Many cash back cards with flashier rewards programs promise eye-popping bonuses on certain types of purchases. There are two versions of the card. The sign-up bonus is just so so. So you’ll need to have a decent credit history and financial situation to improve your odds of being approved. They include access to Amex Offers, a selection of discounts at many popular merchants. Just be sure to report any unauthorized activity as soon as you notice it. It’s based on your Experian credit report. For no annual fee, this is a simple but effective way to earn cash back everywhere. If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month. Responses have not been reviewed, approved or otherwise endorsed by bank advertisers. However, your score will only be reported on your monthly statement, either digital or mailed. Unlike most travel credit cards, this card will provide the same value for your miles no matter how you redeem them. To earn cash back, pay at least the minimum due on time. It’s better than the 1.65% equivalent you’ll get with the HSBC card, after the 10% bonus. And also the Citi Private Pass service, which provides special access to tickets at select events. Your HSBC Cash Rewards Mastercard® credit card must be open and in good standing in order to earn Cash Rewards. It doesn’t have the most rewarding bonus categories. You’ll be taken to HSBC’s site to apply, where you can provide your personal information. Reasonable efforts are made Available when traveling 50 miles or more from home. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. It doesn’t have the most rewarding bonus categories. Acrescente a taxa de juros de 0% nas compras nos primeiros 12 meses e você poderá extrair muito valor desse cartão, especialmente no primeiro ano. Do you have a correction, tip, or suggestion for a new post? But one major difference is that the Freedom Unlimited offers a 0% rate for purchases for 15 months before the regular 14.99% - 23.74% Variable APR starts. The 0% intro APR for purchases and balance transfers is pretty competitive among general-use cash back cards, too. Learn more in our Editorial Guidelines. For rates and fees of the Blue Cash Everyday® Card from American Express, please click here. When you click on any ‘Apply Now’ button, the most up-to-date terms and conditions, rates, and fee information will be presented by the issuer. The cash back rebate option is 25,000 points for a $75 statement credit. Please review carefully. When you click on We will issue a one-time rebate equal to the annual fee charged to your HSBC +Rewards Mastercard … You must purchase the item entirely with your HSBC card. Here are the details on HSBC's latest offers. I understand that this is not an application for credit and that, if I wish to apply for a credit card with any participating credit card issuer, I will need to click through to complete and submit an application directly with that issuer. Your miles will be worth 1 cent each with this card, so you’ll be earning the equivalent of 1.5% cash back with this card. The HSBC Cash Rewards Mastercard® credit card lets you earn 1.5 percent cash back on every purchase. The first is similar but it’s issued by Chase and has a different set of rotating bonus categories. That means you have to have some travel-related spending. Credit Card Insider receives compensation from advertisers whose products may be mentioned on this page. Instead, you’ll see recommended credit ranges from the issuers listed next to cards on our site to help you determine which cards you’re likely to be approved for. That includes emergency card replacement or cash advances, medical assistance and referrals, and more. Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. The HSBC Cash Rewards Mastercard is a very worthy contender among the 1.5% cash back cards. Or, if you don’t mind taking the time to strategize and maximize your purchases, you could really turbocharge your earnings by pairing this card with a card that offers higher returns on certain purchases. All Amex cards allow you to see one of your FICO Score 8 credit scores online for free, whenever you’d like. That anniversary bonus is available as long as your account is active and in good standing. Review: HSBC Cash Rewards Credit Card. Advertiser relationships do not affect card ratings or our Best Card Picks. Key facts: No annual fee, card only available to HSBC Premier current account holders. This applies to print and online advertisements. There’s no extra charge and it will be accepted pretty much everywhere. See the online credit card applications for details about the terms and conditions of an offer. The information, including card rates and fees, presented in the review is accurate as of the date of the review. This applies to eligible items you buy with your HSBC card that have a manufacturer’s warranty of 12 months or less. If you max out the spend cap on this offer, you can bring in at least $300 in cash back in the first year alone. Citi Flex Plan offers are made available at Citi’s discretion. And then use the HSBC card for every other purchase to get 1.65% back. The Blue Cash Everyday® Card from American Express (Review) has a bit more reward potential than the other general-use cards listed here. See the full set of benefits for the HSBC Cash Rewards Mastercard. The HSBC Cash Rewards Credit Card is a cash back credit card that does not charge an annual fee. It is not the bank advertisers' responsibility to ensure all posts are accurate and/or questions are answered. You can earn up to $200 in travel rewards, plus get the first year annual fee rebated with a new HSBC Mastercard. Other than that, the Citi card also offers a few benefits that are a cut above the basics you get with the HSBC card. In the first year, while you earn 3% cash back, you’ll get an equivalent of 3.3% cash back after the anniversary bonus. Check out our picks for the Best 0% Intro APR Cards. Gas Stations, Wholesale Clubs, Select Streaming Services. It’s based on your Equifax credit report. This card can be cheap to use, with no annual fee or foreign transaction fee. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness. But these two ways are the simplest: We recommend redeeming for statement credits, which will be the quickest and easiest way for most people. Learn more about our advertising policy. Credit Card Insider and CardRatings may receive a commission from card issuers. A 10-percent bonus may seem small, but it can add up – especially if you’ve already earned a sizable amount. Your anniversary bonus also applies to any cash back earned at the 3% intro reward rate, which means you can actually earn 3.3% cash back on up to $10,000 in purchases during your first year as a cardholder. 3% cash back on all purchases in first 12 months of account opening (up to $10,000 in purchases), Average Yearly Rewards Value ($1,325 monthly spend) With the Discover it Cash Back you’ll need to think about which purchases you’ll currently get 5% cash back for at any given time. Airport concierges are available to escort you through the terminal, in some cases expediting you through security or immigration. HSBC Cash Rewards Mastercard® credit card Review This card comes with a nice intro earning opportunity of 3% on purchases up to $10,000 spent in your first year. 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%). By providing my email address, I agree to CreditCards.com’s This one will be less useful on average, but it could still be quite valuable for some people. Looking for other cards with long intro APR periods? We gave this card 4 out of 5 Stars because it’s a simple and inexpensive card to use. The offers that appear on this site are from companies from which CreditCards.com receives compensation. You might be wondering what a travel card is doing on this list of alternatives. Avoid a foreign transaction fee by using this card any time you want to buy something from a foreign country using a credit card. Additionally, you also earn a 10 percent bonus on all the cash back you earn each year. That may not sound like much, but it can really add up. Provides pre-trip planning and help with travel emergencies. Keep an eye on your inbox—we’ll be sending over your first message soon. On top of this card’s rewards system, there’s a 0% intro purchase and balance transfer APR for 12 months, which is solid for a rewards card. They include a concierge you can call any time to get non-emergency help of all kinds. Cash Rewards points can be redeemed as cash back. While the regular rewards-earnings rate is comparable to what you’ll find among similar no-annual-fee-cards, the HSBC Cash Rewards Mastercard offers superior value in your first year as a cardholder. O HSBC Cash Rewards Mastercard possui uma taxa típica de ganhos com recompensas, mas no primeiro ano, a taxa é dobrada. J. D. Power 2020 customer satisfaction rating, Google Play Store mobile app rating: 2.5/5, 10% bonus on cash rewards earned each year, Redeem earnings for a statement credit, a deposit into an HSBC account, travel and experiences, gift cards, merchandise or charity, You can’t transfer your cash to other programs. You could use the Discover it Cash Back together with the HSBC Cash Rewards to earn a fair amount of cash back for every purchase. HSBC has new offers for their Mastercards. Some of those can be quite high, and most offer a discount of at least 10%. So you can redeem your miles for statement credits for their full value, just like any cash back rewards card. The HSBC Cash Rewards Mastercard® credit card earns 3% back on all purchases in your first year up to $10,000 spent. It’s based on your Experian credit report. *Offer currently unavailable* Additionally, this card offers an ongoing 1.5% unlimited cash back rate on all purchases and no annual fee. Statement credits, which will lower your account balance, Direct deposits it into an HSBC consumer checking or savings account. It is not our partner’s responsibility to ensure all posts or questions are answered. The HSBC Cash Rewards Mastercard presents a simple way to earn cash back for every purchase you make. Or, if you’re pairing this card with other higher earning rewards cards, use this card to pay for any purchase that doesn’t earn a higher rate on one of your other cards. The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. Being active here refers to having at least one transaction in the year that qualified for cash back rewards. The HSBC Cash Rewards Mastercard is a solid flat-rate cash-back card with some cool extras. But instead of set categories, this card has bonus reward categories that change every three months. The Discover it® Cash Back (Review) is another rewards card with no annual fee. To confirm offers and credit card details, check the issuer’s website. HSBC Cash Rewards; Benefits. Credit Card Insider is an independent, advertising supported website. These terms allow CreditCards.com to use your consumer report information, including credit score, for internal business purposes, such as improving the website experience and to market other products and services to you. For complete details of any products mentioned, visit bank or issuer website. You can also get an enhanced version of the Blue Cash Everyday, the Blue Cash Preferred® Card from American Express (Review). You’ll also get a few other standard benefits. About the HSBC Premier credit card. There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater. $150 offer: earn $150 after spending $500 in first 3 months. The HSBC Cash Rewards Mastercard® credit card provides an easy way to earn some rewards no matter what you’re buying. This card offers no interest on purchases, and balance transfers made … Unlike other better-known cards that offer 1.5 percent cash back, this card also amply rewards loyal cardholders who keep using their HSBC Mastercard year after year. Check out some others below, along with some different kinds of rewards cards. There’s no foreign transaction fee. 0. Max out the spend cap in the first year to boost rewards with the higher rate. General. You won’t get the most valuable extra benefits, but for no annual fee this card is cheap and easy to use. The HSBC Cash Rewards Mastercard offers a long introductory period for balance transfers and new purchases, but its balance transfer fee is on the high side. Covers you, your spouse or domestic partner, and dependent children. Privacy Policy. After that, it earns 1.5% back on everything. But it doesn’t have many extra features. Responses to comments in the discussion section below are not provided, reviewed, approved, endorsed or commissioned by our financial partners. The information about the HSBC Cash Rewards Mastercard credit card has been collected independently by CreditCards.com. Getting a 10% bonus on your cash back makes this a bit better than other 1.5% cash back card offers. CreditCards.com does not include the entire universe of available financial or credit offers. Travel Accident Insurance $1,000,000 Travel Accident Insurance As a handy reference guide, please read this and keep it in a safe place with your other insurance documents. ... HSBC World Elite Mastercard on hsbc.ca Rewards Canada's All Credit Cards Comparison including the HSBC World Elite Mastercard Credit Card Insider receives compensation from some credit card issuers as advertisers. EDITORIAL DISCLOSURE: The editorial content on this site is not provided by the companies whose products are featured. See your unique approval odds listed next to cards on our site. Your personal information and data are protected with 256-bit encryption. Plus, earn $100 back after you spend $1,000 in purchases on your new Card within the first 6 months. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. But that is only available on your monthly statement, online or mailed. Those features together make this a pretty good card for traveling outside the U.S. That’s not true for some other general-use rewards cards, like the Citi Double Cash or Chase Freedom Unlimited. All Rights Reserved. You could alternate this card with a 5-percent cash back card and use it on any purchase that doesn’t earn 5 percent cash back. Here’s what else you should know about the HSBC Cash Rewards Mastercard: The HSBC Cash Rewards Mastercard recently updated it’s sign-up bonus – offering cardholders 3 percent cash back on up to $10,000 in purchases in the first year (standard 1.5 percent rate thereafter). Mastercard presents a simple way to earn cash back makes this a good strategy could be reimbursed for most! Maintain accurate information, though all credit card can be difficult to some... Each year you hit your account Anniversary, you could be reimbursed for the HSBC card warranty 12! The Amex card more convenient offers a standard low-interest rate of 11.9 % on everything Rewards card a. Be reimbursed for the occasional travelers rather than freely online like many other cards first is but. Within the first 6 months HSBC Gold Mastercard® credit card Insider has not reviewed all available card... S site to apply, possibly both offers a standard low-interest rate of 11.9 % on everything issuer s. 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