Introductory Offers

  • Earn an Introductory 3% Cash Back on all purchases in the first 12 months from Account opening, up to the first $10,000 in purchases1
  • 0%2 Introductory APR on Purchases and Balance Transfers for the first 12 months from Account Opening. Balance transfers must be posted within the first 60 days following Account opening. After that a competitive variable APR of 15.24%, 19.24% or 25.24% ᶟwill apply.

Cash Rewards

  • After that, earn 1.5% Unlimited Cash Back on all purchases
  • 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 Google Pay™, Apple Pay® and Samsung Pay 


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


1 For the first $10,000 in new purchases within the first twelve (12) months from Account opening, you will earn 3 Cash Rewards per dollar. After the first $10,000 in new purchases, or the first year, whichever comes first, you will earn 1.5 Cash Rewards per dollar on all new purchases. Cash Rewards can be redeemed as cash back. Cash Rewards do not apply to account upgrades, account transfers, balance transfers, credit card checks, cash advances or overdrafts. Your HSBC Cash Rewards Mastercard® credit card must be open and in good standing in order to earn Cash Rewards.

2 The information about the costs and benefits of the cards described is accurate as of {{currentDate}}. 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 cash advances and overdrafts. Balance transfers must be posted within the first 60 days following Account opening. After the Introductory Period, a variable Purchase APR of 15.24%, 19.24% or 25.24%, depending on your creditworthiness, will apply to credit card purchase balances; and a variable Balance Transfer APR of 15.24%, 19.24% or 25.24%, depending on your creditworthiness, will apply to balance transfers and credit card checks, for the HSBC Cash Rewards Mastercard® credit card. The variable Cash APR of 27.24% will apply to cash advances and overdrafts. Your APRs may increase to the variable Penalty APR of 32.24% 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.

How you earn Rewards Program Points or Cash Rewards: You earn Points or Cash Rewards when you use your card to make new purchases (minus returns, credits and adjustments).

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

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Google Pay is a trademark of Google LLC

Apple, the Apple logo, and Apple Pay are trademarks of Apple Inc., registered in the U.S. and other countries.

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

† HSBC Cash Rewards Mastercard® credit card Summary of Terms

See below for a summary of the rates, fees and other costs of this credit offer. The Cardmember Agreement, to be sent with the card, contains all Account terms. We may change the terms on your Account. This may include changing, adding, or removing terms. We may do this in response to the legal, business, competitive environment or other reasons not listed here. Changes to some terms may require at least 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Account. However, if your payment is more than 60 days late, the Penalty APR may apply to both existing and new transactions.

For pre-approved offers: This is valid within 30 days of when the offer has been extended to you, as long as you still meet the selection criteria, which consider factors bearing on creditworthiness, such as income, assets, and other information that you provide to us. You must provide a physical address.

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How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)".

Loss of Introductory APRs: We may end your Introductory APRs and apply the Penalty APR if you make a late payment that is more than 60 days late.

Prime Rate: Variable APRs are based on the 5.50% Prime Rate as of 04/01/2019.



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 who 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. 


If you are approved, we will process Balance Transfer requests in the order you list them, up to your Initial Balance Transfer Limit. This limit will be for an amount that is less than your total available credit. We do this so you will have enough available credit on your Account to cover any related fees.

If any request would cause you to exceed your Initial Balance Transfer Limit, we will either:

• cancel the request; or

• reduce the amount we transfer to a smaller amount that is within your limit.

After you are approved and activate your credit card, it may take up to 14 days to complete Balance Transfers. Because of this, you should continue to make payments on other accounts until you are sure they are paid.

See the SUMMARY OF TERMS for Balance Transfer fees.

Balance Transfers may not be used to make payments to any:

• loan made by any HSBC company; or

• any credit card issued by HSBC Bank USA, N.A.

You may receive other promotional offers from us. The only way to accept other offers is to follow their terms.



When you make a payment, we apply it to the balance on your monthly statement with the highest APR first. We apply payments to balances appearing on your monthly billing statement before being applied to new transactions. An example of a new transaction is a recent purchase or cash advance that has not yet been included in the New Balance as shown on your statement. If you do not pay your non-promotional balance in full each month, you may not be able to avoid interest charges on new purchases.

NOTICE FOR CALIFORNIA RESIDENTS: California law requires that we inform customers that should they fail to fulfill the terms of their credit obligation, a negative report reflecting on their credit record may be submitted to a credit reporting agency. If you are married, you may apply for credit in your own name.

NOTICE FOR FLORIDA RESIDENTS: You (borrower) agree that, should we obtain a judgment against you, a portion of your disposable earnings may be attached or garnished (paid to us by your employer), as provided by Florida and Federal law.

NOTICE FOR NEW YORK AND VERMONT RESIDENTS: A consumer credit report may be requested in connection with this application or in connection with updates, renewals or extensions of any credit granted as a result of this application. Upon your request, you will be informed whether or not such a report was requested and, if so, the name and address of the agency that furnished the report. New York residents may contact the New York State Department of Financial Services by telephone or visit its website for free information on comparative credit card rates, fees and grace periods. NY State Dept of Financial Services: 1-800-342-3736

NOTICE FOR OHIO RESIDENTS: The Ohio Laws against discrimination require that all creditors make credit equally available to all creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

NOTICE TO WISCONSIN RESIDENTS: This offer is void in Wisconsin. 

If you already have an HSBC Credit Card Account issued by HSBC Bank USA, N.A., you may not qualify for this offer. 

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

Privacy: We respect your right to privacy. Our Privacy Notice provides details on the types of information we collect, why we collect it, and with whom we share it. By sharing information within the HSBC family of companies, we are able to offer you a comprehensive range of services to help you meet your financial goals. If you reside in California, you also receive the Important Privacy Choices for Consumers Notice. Both Notices provide instructions on how to contact us and record your privacy choices.