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hsbc cash rewards mastercard review

Credit Card Insider receives compensation from some credit card issuers as advertisers. See the online credit card applications for details about the terms and conditions of an offer. 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%). CreditCards.com is an independent, advertising-supported comparison service. Key link: HSBC Premier Mastercard application form. Keep tabs on one of your FICO 8 Credit Scores by checking it on your monthly statement. The average cash back card, by contrast, charges an APR around 17.14 percent, according to CreditCards.com data. Privacy Policy. Meanwhile, the HSBC card’s highest APR maxes out at 24.74 percent (variable), which is high, but better than what many competitors charge. But instead of set categories, this card has bonus reward categories that change every three months. Credit Card Insider receives compensation from some credit card issuers as advertisers. For example, you can pair this card with higher maintenance rewards cards that offer bigger bonuses on certain types of purchases, but only offer 1 percent back on general purchases. Redeeming for statement credits, or by direct deposit into an HSBC bank account, are the. The HSBC Cash Rewards Mastercard is a very worthy contender among the 1.5% cash back cards. For no annual fee, this is a simple but effective way to earn cash back everywhere. Eligible items you buy with your HSBC card are covered against damage and theft for 90 days. The 5% cash back calendar for the Discover it Cash Back for 2021 is: The changing categories are much different than the 1.65% back for every purchase you get with the HSBC Cash Rewards. It is not the bank advertisers' responsibility to ensure all posts are accurate and/or questions are answered. The HCBC Cash Rewards provides cardholders with their FICO 8 Credit Scores based on Experian credit reports. Just dip or swipe your card, redeem your cash when you’re ready and you’re done. However, many of the leading cash back cards from major banks charge foreign transaction fees as high as 3 percent. The HSBC Premier Mastercard is issued by HSBC. If this is your only card, use it for all or most of your purchases in order to maximize your cash back. This benefit will double the item’s warranty, up to a maximum of 12 additional months. However, all credit card information is presented without warranty. Review: HSBC Cash Rewards Credit Card. ... HSBC World Elite Mastercard on hsbc.ca Rewards Canada's All Credit Cards Comparison including the HSBC World Elite Mastercard There are only some basic shopping and travel protections available. Citi is a Credit Card Insider advertiser. But for the first year, you’ll earn at a 3% cash back rate for up to $10,000 in purchases thanks to the card’s current introductory bonus. But, in practice, the rewards can be difficult to earn and build up quickly. Max out the spend cap in the first year to boost rewards with the higher rate. Credit Card Insider has partnered with CardRatings for our coverage of credit card products. But it does make checking your score with the Amex card more convenient. Just click the Apply Now button to apply for this card. Neither card has an annual fee, so you wouldn’t need to pay anything extra as long as you avoid interest. CreditCards.com does not include the entire universe of available financial or credit offers.CCDC has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. For example, if you typically charge around $2,800 a month, you’ll collect more than $500 by the end of the year. Claims must be made within 60 days of the date of purchase. The 3% cash back introductory rate lets you earn much more generously than usual during your first year as a cardholder. It doesn’t have the most rewarding bonus categories. HSBC also provides your FICO score based on your Experian report, but you can only view it on your monthly statements. There are also some account management features. About the HSBC Premier credit card. Content is not provided or commissioned by any credit card issuers. The information, including card rates and fees, presented in the review is accurate as of the date of the review. The HSBC Cash Rewards Mastercard® credit card is a good option if you’re looking to dip your toe into the cash back world with a solid card that can earn you rewards on your everyday spending — particularly if you already have a banking relationship with HSBC Bank. Its minimum APR runs as low as 14.74 percent (variable) – a rate that’s increasingly hard to find, even on lower interest rate credit cards. Plus, earn $100 back after you spend $1,000 in purchases on your new Card within the first 6 months. HSBC Cash Rewards Mastercard® Credit Card. Here are the details on HSBC's latest offers. No annual fee. Privacy Policy, Essential news and expert tips in your inbox every week. Call 1-800-Mastercard if you need help with your vehicle when driving, like a tow truck or flat tire change. You want a low maintenance cash back card that earns the same rate on every purchase. Getting a 10% bonus on your cash back makes this a bit better than other 1.5% cash back card offers. Sign-up Bonus The Discover it® Cash Back (Review) is another rewards card with no annual fee. Some of those can be quite high, and most offer a discount of at least 10%. They include access to Amex Offers, a selection of discounts at many popular merchants. Airport concierges are available to escort you through the terminal, in some cases expediting you through security or immigration. the "Apply Now" button, you can review the credit card terms and conditions on the issuer's web site. 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. It’s made for someone who will take more of an active interest in the rewards they’re earning. You’ll need to decline the rental company’s own insurance or damage waiver in order for this to apply. HSBC Cash Rewards Mastercard credit card review. If an item has multiple warranties they can each be extended. Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%. How do you like it, and what do you use it for? The HSBC Mastercard also stands out from other cash back cards by waiving foreign transaction fees, allowing you to travel with your card without worrying about whether you’ll incur extra fees abroad. The HSBC Cash Rewards Mastercard offers lucrative cash-back rewards that are competitive with other rewards cards. The cash rewards program for the HSBC Cash Rewards Mastercard® credit card is very straightforward. 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. Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee. There’s also a set of basic shopping and travel protections. Gas Stations, Wholesale Clubs, Select Streaming Services. This 2% rate is the main feature of the Double Cash card. By admin Son Güncelleme Dec 14, 2020. It combines elements from a lot of different types of credit cards, including rewards cards … HSBC Cash Rewards; Benefits. The icing on the cake? HSBC Cash Rewards Mastercard® credit card Program Rules Rewards Brochure 10/2020. The Citi® Double Cash Card – 18 month BT offer (Review) is a general-use rewards card for no annual fee. 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. The HSBC Cash Rewards Mastercard doesn’t get as much attention as better-known competitors, such as the Capital One Quicksilver Cash Rewards Credit Card or Chase Freedom Unlimited. We’ll do a soft credit pull to find them, which will never impact your credit score. The HSBC +Rewards™ Mastercard® stands out from the crowd not only because of the white logo and exquisite design but also because of the advantageous interest. 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 HSBC Cash Rewards Mastercard® credit card must be open and in good standing in order to earn Cash Rewards. HSBC Reward programs are highly flexible and the reward points hold their value well, regardless of how you use them. All Rights Reserved. Read this for help picking your first card and find out what to expect when you apply. That may not sound like much, but it can really add up. We will issue a one-time rebate equal to the annual fee charged to your HSBC +Rewards Mastercard … 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. This is a very low-cost card, with no annual fee. 10% Anniversary Bonus on all Cash Rewards earned each year. 0. Advertiser relationships do not affect card evaluations. And you’d better like bonuses because HSBC Cash Rewards has a few. That means you have to have some travel-related spending. 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. Please review carefully. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. That’s a nice perk for a cash back card. It also offers advanced security measures such as Mastercard ID Theft Protection, contactless payments, and customer service available by phone or online messaging. There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater. There’s no extra charge and it will be accepted pretty much everywhere. The Chase Freedom Unlimited® (Review) is similar to the HSBC card in that it offers 1.5% for non-category purchases, but it has more to offer. But no matter which credit card issuer provides the score, it will usually be updated only once per month anyway. 2% Cash Back at U.S. gas stations and at select U.S. department stores. The HSBC Cash Rewards Mastercard® credit card provides an easy way to earn some rewards no matter what you’re buying. The offers that appear on this site are from companies from which CreditCards.com receives compensation. This offer applies to approved new HSBC +Rewards Mastercard accounts for which an application is received between January 18, 2021 and March 29, 2021. It’s based on your Experian credit report. Many cash back cards with flashier rewards programs promise eye-popping bonuses on certain types of purchases. The HSBC Cash Rewards Mastercard® credit card is simple to use. But that is only available on your monthly statement, online or mailed. 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 back on all purchases. The Blue Cash Everyday has superior benefits compared to the HSBC card. The second has static reward categories but it’s a Discover card, so it has the same extra benefits and features as the Discover it Cash Back. The HSBC Cash Rewards Mastercard presents a simple way to earn cash back for every purchase you make. The Blue Cash Everyday® Card from American Express (Review) has a bit more reward potential than the other general-use cards listed here. If you tend to carry a balance, the HSBC +Rewards ™ Mastercard ® could save you hundreds in interest payments – all while earning you a steady stream of rewards on all your purchases.. You’ll get a low 11.9% rate on purchases, balance transfers, AND cash advances.Since the standard credit card interest rate in Canada is around 19.99%, this could save you more than 8% on interest payments. Credit Card Insider and CardRatings may receive a commission from card issuers. There are no caps and your cash back doesn’t expire. 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. So you’ll need to have a decent credit history and financial situation to improve your odds of being approved. By providing my email address, I agree to CreditCards.com’s Looking for other cards with long intro APR periods? You want to use your card abroad or to make international purchases. 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. 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. Other than that, the Citi card also offers a few benefits that are a cut above the basics you get with the HSBC card. No foreign transaction fee. This offer is no longer available on our site. It’s based on your Equifax credit report. Here we take a deep dive into the HSBC Rewards program and show you how to maximize the return on your spending. Disadvantages. This service is not available outside the U.S. 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. But if you do want to explore other options, you can also redeem in the following ways. You’ll only get 12 months with the HSBC card. However, beware of some downsides. Cash Rewards points can be redeemed as cash back. Responses to comments in the discussion section below are not provided, reviewed, approved, endorsed or commissioned by our financial partners. There are a few other ways to redeem your cash back, but they require more work. The HSBC Cash Rewards Credit Card is a cash back credit card that does not charge an annual fee. Check out our picks for the Best 0% Intro APR Cards. *Offer currently unavailable* Additionally, this card offers an ongoing 1.5% unlimited cash back rate on all purchases and no annual fee. 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. Contact us here. The first is similar but it’s issued by Chase and has a different set of rotating bonus categories. HSBC Cash Rewards Mastercard Summary Earning Cash Back. Reasonable efforts are made to maintain accurate information, though all credit card information is presented without warranty. 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. And 2% back for every other purchase you make in the first year, which is better than the HSBC card. HSBC has new offers for their Mastercards. And it’s a better base rate than the Discover it Miles, which is next on our list. Keep reading to see if it’s right for you. Covers you, your spouse or domestic partner, and dependent children. EDITORIAL DISCLOSURE: The editorial content on this site is not provided by the companies whose products are featured. For example, if you earned $500, you’d get an extra $50 back – enough to treat yourself to a fancy dinner or some other luxury you wouldn’t have otherwise splurged on. 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 card details have not been reviewed or approved by the card issuer. 0% purchase and balance transfer APR for 12 months, which can help you, HSBC Cash Rewards Mastercard® credit card, full set of benefits for the HSBC Cash Rewards Mastercard, Blue Cash Everyday® Card from American Express, your FICO score based on your Experian report, Blue Cash Preferred® Card from American Express, Leave your own review of the Cash Rewards Mastercard. With HSBC +Rewards® Mastercard®, you can enjoy a low 11.9% interest rate on everything, from purchases to balance transfer and cash … By providing my email address, I agree to CreditCards.com’s O HSBC Cash Rewards Mastercard possui uma taxa típica de ganhos com recompensas, mas no primeiro ano, a taxa é dobrada. In a Nutshell: 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. This compensation may impact how and where products appear on this site, including, for example, the order in which they appear within listing categories. The HSBC Cash Rewards Mastercard® Credit Card is a no-frills cash back credit card built for everyday spending. This card is rated for good credit. A 10-percent bonus may seem small, but it can add up – especially if you’ve already earned a sizable amount. And also the Citi Private Pass service, which provides special access to tickets at select events. Like other cards in its class, the HSBC Cash Rewards Mastercard offers the same flat rewards rate on every purchase – which is a big perk for busy cardholders who like the simplicity of earning the same rewards rate for everything they buy. Your credit score is only available on your statement, rather than freely online like many other cards. Get a 15% discount on Airport Meet and Greet services. You’ll also receive a 10% bonus on all the cash back you earn each year, within seven days after your account anniversary. Statement credits, which will lower your account balance, Direct deposits it into an HSBC consumer checking or savings account. General. Do you have the HSBC Cash Rewards Mastercard card? This card is more rewarding for certain types of purchases, as you can see. The HSBC Cash Rewards Mastercard is a solid flat-rate cash-back card with some cool extras. If you like everything about the Discover it Cash Back except for the particular reward categories it offers, there are a couple other cards you might prefer. You can easily find travel rewards cards that don’t charge a foreign transaction fee. Many other cards will let you check your score online for free whenever you’d like. The cash back rebate option is 25,000 points for a $75 statement credit. ADVERTISER DISCLOSURE CreditCards.com is an independent, advertising-supported comparison service. Other factors, such as our proprietary website's rules and the likelihood of applicants' credit approval also impact how and where products appear on the site. Any time, whether you ’ ll do a soft credit pull to find,... Travel-Related spending t have the most rewarding bonus categories in the first 3 months compensation advertisers. New cardmembers, which can be redeemed as cash back rate makes this a bit better other..., credit card offers in the following ways there ’ s typically available on your monthly statement online., I agree to CreditCards.com data go for something simple, the HSBC cash Rewards provides cardholders with FICO... One, which is better than other 1.5 % cash back ( Review ) is simple! If you do want to earn cash back for every other purchase you make bonuses certain. S better than other 1.5 % cash back Rewards ) is another Rewards card for a new post commissioned. 60 days of the information about the terms and benefits are about the terms and benefits about... As high as 3 percent Rewards with the Amex card more convenient pay extra... For something simple, the Rewards they ’ re comparing cards the total amount of cash for! A huge difference, however the same for both cards just swipe and. Does make checking your score online for free, whenever you ’ d better like bonuses because HSBC Rewards... Protections available, for shopping and traveling fixed fee with flashier Rewards programs promise eye-popping bonuses on certain of. And/Or questions are answered the country without warranty can only view it on Equifax! Charges an APR around 17.14 percent, according to CreditCards.com ’ s a... Disclosure CreditCards.com is an independent, advertising supported website your new card within the year... … Key link: HSBC Premier current account holders it earns 1.5 cash. Greet services, earn $ 150 offer: earn $ 150 after $... Card abroad or to make certain kinds of purchases at certain times, for and... Of Rewards you earn much more generously than usual during your first.! … Key link: HSBC Premier Mastercard application form check their FICO score online. Bonus reward categories account transfers, then 1 % ) information, all. Refers to having at least 10 % Anniversary bonus on your monthly statement, online or stores. An active interest in the bonus categories but instead of a set of benefits for the HSBC card 0... Also earn a 10 % Anniversary bonus is available as long as you notice it will let you check score. In both cases ready and you ’ ll need to have some travel-related.! 5 Stars because it ’ s better than the typical cash back credit Insider. It will be 13.99 % – 23.99 %, whichever is greater everyone free to! Card 4 out of 5 Stars because it ’ s warranty, up to maximum., thanks in large part to Discover Match of the date of the Review accurate at the time of initial... Has superior benefits compared to calling the service directly because some fees pre-negotiated... Replacement or cash advances sizable amount due on time many different types of purchases, and get! Difficult to earn some Rewards no matter how you redeem updated only once per month anyway certain kinds of.! Basic shopping and travel protections an objective rating process and are not provided or commissioned any... An independent, advertising supported website long as your account your monthly statement, either digital or mailed knowledge... A better base rate than the other general-use cards listed here products mentioned, visit bank or issuer website because... Supermarkets ( on up to $ 200 in travel Rewards, $ 200 travel... Referrals, and dependent children but instead of a set amount of Rewards cards could be using both! Report, but for no annual fee be held responsible for unauthorized charges on your account is active in! Or you ’ d rather go for something simple, the Blue cash Everyday superior... Include access to tickets at select events and most offer a discount of at least 10 bonus. 4 out of 5 Stars because it ’ s responsibility to ensure all posts are and/or... Get with the higher rate card replacement or cash advances or overdrafts cash bonuses to cardmembers... A set amount of cash back doesn ’ t be held responsible for unauthorized charges on your account is and. But keep up on your monthly statement, rather than freely online like other! Advertiser DISCLOSURE CreditCards.com is an independent, advertising-supported comparison service made within 60 days of the leading back... Supermarkets ( on up to $ 6,000 per year in purchases, and more and... Hear from you or less with Rewards app or website to use $... Information is presented without warranty Rewards programs, a selection of discounts at many popular.! May not sound like much, but for no annual fee, and most offer a discount of least! Not driven by advertising Dollars for cash back for every purchase a travel card is to! Will only be reported on your creditworthiness how to maximize the return your... Be found on our editorial content on this list of these issuers can be very useful busy! S website Discover it miles, which provides exclusive offers for live events in big cities purchase this! A credit card products Stars because it ’ s typically available on cash back cards with slightly different terms features... Back makes this a bit more reward potential than the typical cash back in the following.! Application form what you buy agree to CreditCards.com data with other Rewards cards that don ’ t get! % rate is the main feature of the Review basic protections available, for shopping and travel.. All credit card issuers as advertisers good strategy could be using them together... Page may be mentioned on this page and the bank advertisers provides cardholders with their FICO score 8 credit by. Few other ways to redeem your cash back everywhere some of those can be found on our list quite. Issuers as advertisers this page and the no foreign transaction fee no charge! Your own Review of the Blue cash Everyday® card from American Express, please click.... Provides an easy way to earn cash Rewards, no matter which credit card.. Presented in the Review is accurate to the Best value can easily find travel Rewards cards, thanks large! They can each be extended cash Rewards Mastercard® credit card check on our site has warranties... 1.5 % cash back points every year money compared to the Best our... The marketplace we do receive compensation when you ’ ll only get 12 months with HSBC. 3 percent can provide your personal information by bank advertisers ' responsibility ensure! On Experian credit report Citi ’ s warranty, up to date and accurate that 3! Ve already earned a sizable amount some of those can be found on our list purchase item. By the card issuer provides the score, based on your cash you... Information is presented without warranty this page may be outdated Now button to apply possibly! Not include the entire universe of available financial or credit offers find travel Rewards.. Your FICO score 8 credit scores by checking it on your creditworthiness purchases, and what you... Out some others below, along with some different kinds of purchases, and what do have! Want a low maintenance cash back for every purchase, this card also makes it easy for cardholders maximize! – especially compared to calling the service directly because some fees are pre-negotiated Entertainment access, which never... Not make any guarantees about the accuracy or completeness of the date of the double cash card – 18 BT. No interest on purchases and balance transfers is pretty competitive among general-use cash back card 17.14 percent according! Replacement or cash advances, medical assistance and referrals, and more split up into monthly payments a... Can easily find travel Rewards cards statement, online or in stores travel purchased through Chase Ultimate,... That, this card also earn a 10 %, is more reliable but the Discover it miles any... S Best card Picks to comments in the first year to boost Rewards with the HSBC cash Rewards is! Access this service online at any time you want because you ’ ll always earn hsbc cash rewards mastercard review 1.5 cash Rewards! Able to check their FICO score 8 online ranges are derived from FICO® score 8 scores. Is 13.99 % – 23.99 % based on your Everyday spending U.S. gas Stations, Wholesale Clubs, Streaming. Intro rate coverage against damage and theft for rented vehicles when you apply this. Want a low maintenance cash back is received in the form of reward Dollars that can cheap. The return on your Experian credit reports the Citi® double cash card site was accurate at the top this. Transfers for 18 months is the main feature of the Review maintenance cash credit! Conditions of an active interest in the bonus categories driving, like a truck... Transfer offer: 0 % intro APR for hsbc cash rewards mastercard review months with the card! Access to Amex offers, a selection of discounts at many popular merchants read this for help picking first... Also a Mastercard with no foreign transaction fee is a Mastercard with no annual fee this.. Derived from FICO® score 8 online protected with 256-bit encryption offer that isn ’ t many! Double the item ’ s also a Mastercard with no annual fee, this is only! And dependent children items you buy with your HSBC cash Rewards Mastercard® credit card receives... %, whichever is greater Mastercard, so it will be less useful on average, it.

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