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HSBC Cash Rewards Credit Card

More than just cash back, it’s more ways to build memories.

Unlimited Cash Rewards with no expiration

Earn 3% Cash Rewards on all purchases in the first 12 months from Account opening, up to the first $10,000 in purchases.1

Get 1.5% Cash Rewards on every $1 you spend on all new, net purchases after the intro period.1

0%*,2 Introductory APR on Purchases and Balance Transfers for the first 12 months from Account opening*,2. Balance Transfers must be posted within the first 60 days following Account Opening. After that a competitive variable APR of 13.99% to 23.99%*,2 will apply.

  • No Annual Fee*,2
  • No Foreign Transaction Fees

Travel benefits

10% off at onefinestay

Get a 10% discount when you book one of the more than 10,000 high-end rental properties in cities like New York, Los Angeles, London, Paris, and more.5

MasterRentalTM Coverage

Provides protection for physical damage and theft to most rental vehicles.5

Mastercard Travel & Lifestyle ServicesTM

Connects you with access to luxury travel benefits, amenities and upgrades at some of the most sought-after travel destinations either by phone, email or a personalized online platform.5

Everyday Value

Get 10% off rental homes with onefinestay2

one fine stay

Save 10% on thousands of splendid rental homes in cities worldwide including New York, Los Angeles, London and San Francisco. Amenities include local guest services available 24/7, high-quality toiletries, free WiFi and more. 

Complimentary ShopRunner membership

shop runner

Complimentary ShopRunner membership for unlimited, free 2-day shipping and free return shipping at over 140 online stores.

Complimentary ShopRunner membership

Providing unlimited, free 2-day shipping and free return shipping at over 140 online stores.5

Priceless Golf

Provides discounted access to select golf courses, complimentary grounds passes for PGA Tournaments, Priceless Lessons with a PGA Tour professional and much more.5

Balance Transfers

When you transfer higher-interest debt to your HSBC Credit Card you could:

  • Save money on high-interest balances
  • Pay down balances faster
  • Streamline payments
  • Consolidate debt

Transfer balances for any amount

You can transfer balances for any amount, the total amount – including fees, if applicable – cannot exceed the available credit limit on your HSBC Credit Card.

Balance Transfers between HSBC accounts is not allowed.

Peace of Mind

Mastercard ID Theft Protection™

Provides you with access to a number of Identity Theft resolution services, should you believe you are a victim of Identity Theft.5

Cellular Wireless Telephone Protection

Provides reimbursements up to $600 per claim if your cellphone is lost, stolen or damaged.5

You use your phone for everything else, why not purchases?

Add your HSBC Credit Card to a Mobile Wallet and you can simply tap your phone to checkout at participating retailers. It’s quick, secure, and simple to set up. 

Plus, when you pay with mobile, you’ll also make it easier to:

  • Shop online
  • Make in-app purchases
  • Pay with your smartwatch or tablet

Get started by adding your HSBC Credit Card today.

As an HSBC customer, you’re automatically enrolled in our fraud alert program.

See your FICO® score for free, along with key score factors, on your monthly statement.

All HSBC Credit Cards are available with Google PayTM, Apple Pay®, and Samsung PayTM.

1 For the first $10,000 in new purchases within the first twelve (12) months from Account opening, you will earn three (3) Cash Rewards per dollar. After the first $10,000 in new purchases, or the first twelve (12) months from Account opening, whichever comes first, you will earn 1.5 Cash Rewards per $1 on all new purchases. Cash Rewards points 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 800.975.4722 (HSBC). The 0% Introductory APR does not apply to purchases, 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 13.99% to 23.99%, depending on your creditworthiness, will apply to credit card purchase balances; and a variable Balance Transfer APR of 13.99% to 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 24.99%. Your APRs may increase to the variable Penalty APR of 29.99% 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. A check fee of either $10 or 4%, whichever is greater, will apply on each check written for purposes other than Balance Transfer. A Cash Advance Fee of either $10 or 5%, whichever is greater, will apply on each cash advance transaction. An Overdraft Transaction Fee of either $10 or 5%, whichever is greater, will apply on the overdraft amount, if applicable. There is no Annual Fee or Foreign Transaction Fee. See Summary of Terms for details.

Customers can choose to receive cash back redemptions as a direct deposit into their HSBC Bank USA, N.A. Checking or Savings Account, or as a statement credit on their HSBC Credit Card. For complete eligibility details, refer to the HSBC Cash Rewards Mastercard® credit card Guide to Benefits brochure for full details.

4 All Reward option items are subject to limited availability and to the terms, conditions and restrictions imposed by suppliers. New items may replace selections, and certain items may be discontinued at any time, without advance notice. When necessary, HSBC Bank USA, N.A. may substitute a Reward of equal or greater value without advance notice. The customer will be notified of such a change when ordering. Redemption levels, Point values and availability are subject to change without prior notice.

5 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 brochure for full details.

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

7 Google Pay is a trademark of Google LLC

8 Samsung, Samsung Pay, and Galaxy are trademarks or registered trademarks of Samsung Electronics Co., Ltd. Other company and product names mentioned may be trademarks of their respective owners.

Mastercard and Tap & go are registered trademarks of Mastercard International Incorporated

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

FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

Deposit products are offered in the U.S. by HSBC Bank USA, N.A. Member FDIC.

*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.

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 3.25% Prime Rate as of 06/01/2020.


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.


• All promotional introductory offer balance transfers must be requested within 60 days of Account Opening.

• Your card must be activated before requesting a balance transfer.

• You may transfer any amount; however, the total amount of your balance transfer and balance transfer fees must be less than your available credit limit.

• Once your application is approved, if the option is available to request balance transfers with your application, we will process your requests in the order listed. It may take up to 14 days after your Account is opened to process any balance transfer requests.

• You also have the option after receiving your card, to call the customer service number on the back of your card or visit us online to request a balance transfer.

• If at the time we process your balance transfer request, and the amount exceeds your available credit limit we reserve the right to cancel the request, or process the request at a lower amount.

• Continue to make payments on your other accounts until you have confirmed this balance transfer has been received.

• Balance transfer may not be used to pay other HSBC Bank USA, N.A. credit card or loans, or any HSBC affiliate.

• Interest will be charged on any balance transfers made with your credit card, unless you have a 0% promotional offer or you pay the New Balance shown on your statement in full by the payment due date.


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.

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