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HSBC Cash Rewards Mastercard® credit card

Turn the rewards you earn on everyday purchases into something more meaningful — an experience. With the HSBC Cash Rewards Mastercard® credit card it’s not just more cash back, it’s more ways to build memories. Apply Now
Double Rewards Program Points

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 14.74%, 18.74% or 24.74%†,2 will apply 
Personal Assistant

Cash Rewards

  • 1.5% Unlimited Cash Back on all purchases
  • 10% Anniversary Bonus on all Cash Rewards earned each year. For example, if you earned $500 in Cash Rewards, you’ll receive an additional $50 Anniversary Bonus.
Travel Benefits

Save on Fees

  • No Annual Fee†,2
  • No Foreign Transaction Fees
  • No fee for additional cards for authorized users
Double Rewards Program Points

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
Personal Assistant

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
Travel Benefits

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™

† 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


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.


How to apply

We offer three convenient ways to apply for the HSBC Cash Rewards Mastercard® credit card:



Contact our Customer Relationship Center

Monday – Sunday 7:00am – 12:00am ET.

Toll-free from within the U.S. or Canada:


Collect from everywhere else: 716.841.7141

In Person

In Person

Find the branch closest to you to apply in person.

Related links

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 Pay, Apple Pay, and Samsung Pay.

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 purchases (minus returns, credits, adjustment) 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 {{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 purchases, cash advances and overdrafts. After the Introductory Period, a variable Balance Transfer APR of 14.74%, 18.74% or 24.74%, depending on your creditworthiness, will apply to balance transfers and credit card checks. A variable Purchase APR of 14.74%, 18.74% or 24.74%, 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 26.74%. Your APRs may increase to the variable Penalty APR of 31.74% 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. See Summary of Terms for details.

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.