HSBC Cash Rewards Mastercard credit card | HSBC

 

HSBC Cash Rewards Mastercard® credit card

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$150 Cash Back

After spending $500 or more in the first 3 months from Account opening1. Plus, a competitive Introductory APR on Balance Transfers for the first 15 months from Account opening.

Cash Rewards

2% cash back on purchases made within the first 6 months from Account opening; after that, receive 1.5% cash back.

Save on Fees

No Annual Fee†, 2

No Foreign Transaction Fees

No fee for additional cards for authorized users

Travel Benefits

Make your next trip worry-free with our exceptional travel benefits. Enjoy $1 million travel accident coverage and pre-trip planning services at no extra cost3.

Shopping Benefits

Shop with confidence knowing that your purchases are covered with our valuable protection programs3.

Payment Technology

Enjoy mobile payment options for convenient and secure purchases, as well as an embedded security chip and contactless payment technology.

  • Introductory Offers
    • $150 cash back after spending $500 or more in the first 3 months from Account opening1.
    • 0%†, 2 Introductory APR on Balance Transfers for the first 15 months from Account opening. After that, a competitive variable APR of 13.99%, 17.99% or 23.99%†, 2, will apply.
  • Cash Rewards
    • 2% cash back on purchases made within the first 6 months from Account opening; after that, receive 1.5% cash back.
    • 10% Anniversary Bonus on all Cash Rewards earned each year.
  • Save on Fees
    • No Annual Fee†, 2
    • No Foreign Transaction Fees
    • No fee for additional cards for authorized users
  • Travel Benefits
    • MasterAssist® provides pre-trip planning assistance, help with lost luggage and more3.
    • Master RoadAssist® Roadside Services provides help in the event your car breaks down while traveling in the U.S.3
    • $1 Million Travel Accident Insurance3.
  • Shopping Benefits
    • Extended Warranty doubles your original warranty up to 1 additional year3.
    • Purchase Assurance® covers most items from damage or theft3.
    • Price protection refunds the difference if you see an item advertised for less within 60 days of purchase3.
    • Identity Theft Resolution Services provides one-on-one support in the event your identity is compromised3.
  • Payment Technology
    • Security chip offers enhanced protection when used at chip-enabled terminals.
    • Contactless payment feature provides fast, easy and safe checkouts.
    • Make mobile purchases with Android PayTM, Apple PayTM and Samsung Pay.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person or entity that opens an account.

What this means for you: If you open a personal account, we will ask for your name, address, taxpayer identification number, date of birth, and other information that will allow us to identify you. Additionally, we will take certain steps to verify your identity, such as asking for your driver's license or other identifying documents or checking other sources. Similar identification requirements apply to non-personal accounts such as corporations and partnerships. Be assured that we recognize the importance of protecting your privacy and safeguarding the confidentiality of the information you provide to us.

Summary of Terms can be accessed here

HSBC Cash Rewards Mastercard® credit card Guide to Benefits and Terms & Conditions brochure can be accessed here

HSBC Cash Rewards Mastercard® credit card Rewards & Benefits brochure can be accessed here

††For illustrative purposes only. Example savings based on transfer of balance from credit card with 17.49% APR to 0% for 18 billing cycles with only minimum payments made. Your actual savings will vary.

1 You will receive 15,000 Bonus Cash Rewards, which can be redeemed for $150 cash back. To qualify and receive the Bonus Cash Rewards, you must charge the qualifying amount or more in new, net purchases within the first three (3) months from Account opening ("Promotional Period"), using your HSBC Cash Rewards Mastercard® credit card. The Bonus Cash Rewards do not apply to balance transfers, credit card checks, cash advances or overdrafts. Your HSBC Cash Rewards Mastercard® credit card must be open and in good standing at the time of Bonus Cash Rewards fulfillment. Allow 4-6 weeks after Promotional Period has ended for Bonus Cash Rewards to post to your Account.

2 The information about the costs and benefits of the cards described is accurate as of 10/21/2017. The information may have changed after that date. To find out what may have changed, call 800.975.HSBC (4722). The 0% Introductory APR does not apply to purchases, cash advances and overdrafts. After the Introductory Period, a variable Balance Transfer APR of 13.99%, 17.99% or 23.99%, depending on your creditworthiness, will apply to balance transfers and credit card checks. A variable Purchase APR of 13.99%, 17.99% or 23.99%, depending on your creditworthiness, will apply to credit card purchases, for the HSBC Cash Rewards Mastercard® credit card. The variable Cash APR applies to cash advances and overdrafts, and is 25.99%. Your APRs may increase to the variable Penalty APR of 30.99% if you fail to make a minimum payment to us when due. These APRs will vary with the market based on the Prime Rate. For each billing cycle, variable APRs are calculated by adding a specified amount ("Spread") to the U.S. Prime Rate published in the Money Rates table of The Wall Street Journal that is in effect on the last day of the month ("Prime Rate"). If the Prime Rate changes, the new APRs will take effect on the first day of your billing cycle beginning in the next month. The Minimum Interest Charge is $1.00. A Balance Transfer Fee of either $10 or 4%, whichever is greater, will apply on each balance transfer and credit card check. A Cash Advance Fee of either $10 or 4%, whichever is greater, will apply on each cash advance transaction. An Overdraft Transaction Fee of either $10 or 4%, whichever is greater, will apply on the overdraft amount, if applicable. There is no Annual Fee or Foreign Transaction Fee.

3 Certain restrictions, limits and exclusions apply. Benefits may not be offered in every state. Coverage may be underwritten and managed by companies that are not affiliated with Mastercard®, or HSBC Bank USA, N.A. See the HSBC Cash Rewards Mastercard® credit card Guide to Benefits and Terms & Conditions brochure for full details.

HSBC Cash Rewards Mastercard® credit cards are issued by HSBC Bank USA, N.A., subject to credit approval.

Mastercard® and the Mastercard brand mark are registered trademarks of Mastercard International Incorporated.

Android Pay is a trademark of Google Inc.

Apple Pay is a trademark of Apple Inc.

Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd.

Have a question?

Call our Customer Relationship Center
800.975.4722

Monday - Sunday 7:00am - 12:00am ET
Automated banking available 24/7
Lost Stolen 24/7

TTY: 800.898.5999
Monday - Sunday 7:00am - 12:00am ET

†† Investments, Annuity and Insurance Products:
ARE NOT A BANK DEPOSIT OR OBLIGATION OF THE BANK OR ANY OF ITS AFFILIATES ARE NOT FDIC INSURED ARE NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY ARE NOT GUARANTEED BY THE BANK OR ANY OF ITS AFFILIATES MAY LOSE VALUE

Español

Estamos aquí para servirle. Si necesita ayuda en español o inglés, comuníquese con nosotros sin costo alguno al número 888.433.4722. Para llamadas por cobrar fuera de Estados Unidos, comuníquese al número 716.841.4288.

廣東話

我們隨時為您提供協助。需要廣東話或英語服務,請撥 800.711.8001(北美洲境內免費長途電話)或 716.841.6989(美國以外地區可採用對方付費方式致電)。

普通话

我们随时为您提供帮助。需要普通话或英语服务,请拨 800.711.8001(北美洲境内免费长途电话)或 716.841.6989(美国以外地区可采用对方付费方式致电)。

Other Languages

We're here to help. For service in any other languages, call us today toll-free at 800.975.4722. If you are calling from outside the U.S. or Canada, please call us collect at 716.841.7212.

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