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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

3% introductory Cash Back

Earn on all purchases in the first 12 months from Account opening, up to the first $10,000 in purchases1

1.5% unlimited cash back

Get 1.5 Cash Rewards on every $1 you spend on all new, net purchases after the intro period1

0% Introductory APR

0%2 Introductory APR on Purchases and Balance Transfers for the first 12 months from Account opening2. 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 Fee2
  • No Foreign Transaction Fees

Explore this card

Travel benefits

MasterRentalTM CoverageProvides protection for physical damage and theft to most rental vehicles.3

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.3

Everyday Value


Get 5% back to use on future orders from HelloFresh.


Try DashPass for free and get $5 off your first 2 orders each month.


Take 3 rides, get a $5 Lyft App credit every month with your HSBC Credit Card.


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

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.3

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, but 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 ProtectionTM 

If your identity is compromised, you’ll receive one-on-one support until your claim is resolved.3

Cellular Wireless Telephone Protection

Provides reimbursements up to $600 per claim if your cellphone is stolen or damaged.3

Tap & Go® with any HSBC Credit Card

Tap & Go® contactless payments are faster than swiping or inserting your card for payment. 

It’s easy!

  • Place – Simply place your HSBC Credit Card close to a contactless payment terminal

  • Hold – Briefly hold your card close to the terminal until it confirms the payment with a green light or beep,

  • Done – Follow the prompts, and you're done!

Thousands of merchants accept contactless payments – use your card wherever you see the contactless symbol.

† Summary of Terms can be accessed here

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

How to apply

Important Service Announcement

Effective May 26, 2021

Last year, we at HSBC Bank USA, N.A. (“HSBC” or “the Bank”) set out on a journey to be able to better cater to our clients’ needs globally and from a wealth management perspective. You may have seen a recent announcement from us about the next phase of this plan. As a result of this new focus for HSBC, we are streamlining parts of the Bank. This decision was not made lightly, but is necessary for us to best position the Bank for the future. As part of this, some of our branches, clients, and employees will be transitioned to another financial institution in the coming months. 

What this means for you

If you are:

  • An existing HSBC customer who is opening a new deposit account or applying for unsecured credit, and you have been notified that you’re being transitioned; or
  • A new HSBC customer who is applying for unsecured credit or opening any other deposit account than an HSBC Premier checking, savings or credit card account; or
  • A new or existing HSBC Retail Business Banking customer who is opening a new deposit account or applying for credit, then*

    * Any HSBC account(s) opened or applied for today will be transitioned to a new financial institution in the near future.
  • If you are interested in insurance or investments, please contact an HSBC Securities (USA) Financial Consultant. 


More details and FAQs can be found at

New to HSBC

To apply for an HSBC Cash Rewards credit card, you must first open a HSBC deposit account6. Explore the benefits of HSBC checking accounts. 

Existing HSBC Customer

Log on to Personal Internet Banking to apply for an HSBC Cash Rewards credit card.


Contact our Customer Relationship Center


If you’re calling from outside the US or Canada, call


Representatives are available daily from 7AM – 12AM ET.

In Person

Find the branch closest to you to apply in person.

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 Apple Pay®, Google PayTM, 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 card 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 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 balance transfers, for the HSBC Cash Rewards Mastercard® credit card. The variable Cash APR of 24.99% will apply to cash advances and overdrafts. 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.

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 Rewards and Benefits brochure and Mastercard 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 Customers can choose to receive cash back redemptions as a direct deposit or as a statement credit on their HSBC Credit Card. If you select cash back as a direct deposit, only HSBC Bank USA, N.A. consumer checking and savings accounts in your name alone or as a joint accountholder are eligible. See the HSBC Cash Rewards Mastercard® credit card Rewards and Benefits brochure for further details.

6 To apply for an HSBC Cash Rewards Mastercard® credit card, you must first open a HSBC deposit account. For a complete list of HSBC checking account eligibility requirements please visit For a complete list of HSBC savings account requirements please visit For a complete list of HSBC CDs requirements please visit

How you earn Rewards 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 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.

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, 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.

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

Investments and certain insurance products, including annuities, are offered by HSBC Securities (USA) Inc. (HSI), member NYSE/FINRA/SIPC. HSI and HSBC Insurance Agency (USA) Inc. (HIA) offer Insurance products. In California, HSBC does business as HSBC Securities Insurance Services, License # OE67746. HIA California License #: OD36843. Investment and Insurance Products: Not FDIC Insured | Not Insured by the Federal Government or any Federal Government Agency | Not a Deposit or other obligation of, or guaranteed by, The Bank or any Affiliate of the Bank | Subject to Investment Risk, including loss of Principal Invested. 

HSBC and its affiliates do not provide tax or legal advice. All decisions regarding tax implications of your Investments should be made in consultation with your independent tax advisor. 

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

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