HSBC Cash Rewards Mastercard® credit card

HSBC Cash Rewards Mastercard® credit card
Advertiser Disclosure
Annual Fee
Regular APR
14.99%,18.99 %or 24.99%

Additional Information

Balance Transfer Fee
$10 or 4%
Purchase Intro APR
Transfer Intro APR
Late Payment Fee
Up to $37
Returned Payment Fee
Up to $25
Cash Advance Rate
Cash Advance Fee
Foreign Transaction Fee
Smart Chip
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Sign-up Bonus

No Sign-Up Bonus.


No Rewards..

Application Requirements

Minimum credit score
Minimum Age

How To Apply HSBC Cash Rewards Mastercard® credit card

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How To Use HSBC Cash Rewards Mastercard® credit card

Where Can You Use

  • It can be used anywhere Mastercard is accepted.

Pay Your Bill On Time

  • You need to make on-time payments. A late payment could hurt the credit score or the limit of your credit card.

Something About The Card

  • Expenses of $2,500 or more in the first three months of opening an account, and cash returns of $150

  • Cash incentives. 1.5% unlimited cash is returned to all purchases, and all cash awards received annually are 10% annual bonuses.

  • Travel benefits

  • Shopping preferences

  • Payment technology

Credit Card Reviews

7 Reviews
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User Name

1 year ago

The rewards have minimums to pay out, customer service is difficult to get ahold of and their website is clunky and difficult to use. It also takes 40 days after the end of your introductory session to get your introductory rewards. I definitely do not recommend. 

The worst experience you will ever have
1 year ago

I wish there was an option for ZERO stars. If you are even considering this card, PLEASE,, for the love of God VISIT THE HSBC FACEBOOK PAGE and read for yourself the horror stories including mine.

This card is the worst mistake i have ever done. CreditKarma, you should be embarrased to have such a card in your recommendations. Do some research, please...they are a bad apple   in an otherwise great site here.

Drastically drops credit score
1 year ago

My score has always been more than 760. On applying for this card, it dropped to less than 720

Confirmed - 2% cash back for first 6 months
Jeremy Brooks
1 year ago

I spent weeks reading all cash back card review and I could have sworn I saw that 2% back for first 6 months was a feature of the HSBC Cash Rewards, but then that feature disappeared form all sites (and isn't included here on NerdWallet). I received printed/written confirmation that the 2% for 6 months is legit. I don't know where else you'll find this feature, 1.5% cash back on-going, 10% annual cash rewards bonus, and $150 sign-up bonus. Honestly, I can't give 5 stars because the application process has been comprehensively painful.

Confirming 2% back for first 6 months
1 year ago

I battled to receive confirmation as the advertisement for 2% back for first 6 months seems to have disappeared from the internet, but it is true as I finally received written confirmation from HSBC. This is a must for the PROs list. The approval process and setup process have been painful in every way compared with any other experience I've had but... I don't know where else you'll find a card with 2% back for first 6 months, 1.5% back ongoing, 10% back of rewards annual bonus and $150 sign-up bonus.

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How To Apply For A Credit Card

Credit card applications are straightforward, but you'll need to meet some minimum financial requirements to get approved for the best credit card offers. Learn how to apply for a credit online and what to expect after you click submit.

  • Knowing your credit score and what's on your credit report can help you determine what products to apply for. If you have fair credit, for example, you may not want to apply for a card that clearly states that only applicants with excellent credit will be approved.
  • If you don't have good credit, you may find it difficult to get approved for a card with a large sign-up bonus and a lucrative reward structure. Each credit card application ends up on your credit report, so the Nerds recommend using our credit cards comparison tool to find a card that fits your credit profile before applying.
  • If the card allows balance transfers, you may request to have balances transferred from other credit card accounts to the new card.
  • To apply for a credit card in the US, you’ll need a valid Social Security number and a positive credit history. The best rewards credit cards may require at least three to five years of good credit history, and some more than seven.
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