Top of main content

HSBC Cash Rewards Student Credit Card

Start building your credit history today so you can make the most of tomorrow

A credit card designed just for students

Build your credit

New to credit? No problem, there is no credit history required for approval1

1.5% Cash Back

on all your purchases2

Learn about Credit

Unlimited access to our online tools to teach you more about credit.

FICO® Credit Score Free

Get your FICO® Credit Score3 for free each month on your HSBC Credit Card statement.

Explore this card

Top travel benefits

No Foreign Transaction Fees

There are no added costs when using your card to make purchases in a foreign country.

Mastercard Travel & Lifestyle Services™4

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.

10% off at onefinestay4

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.

Everyday values and experiences

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 ShopRunner4 membership for unlimited, free 2-day shipping and free return shipping at over 140 online stores.

Priceless Cities Offers and Experiences4

Provides you the opportunity to engage in exclusive, once in a lifetime experiences.

Financial Wellness

Overcome the common challenge of finding time to manage your personal finances.

HSBC has partnered with Everfi to give you the tools to better manage your financial future with a series of interactive digital modules on a variety of topics, including:

  • Savings and Banking
  • Credit Cards, Interest Rates, and Credit Scores
  • Financing Higher Education
  • Renting vs. Owning plus Taxes & Insurance
  • Much more

Peace of mind

Mastercard ID Theft Protection4

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

Cellular Wireless Telephone Protection4

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

Tap and go® with any HSBC credit cardTap and 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.

How to apply

To apply for an HSBC Cash Rewards Student Credit Card, you must have an existing HSBC deposit account such as a checking, savings, or CD account.

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 Apple Pay, Google Pay, and Samsung Pay.


New to the U.S. or relocating? Explore your options for U.S. accounts, credit cards, or U.S. mortgages.

Summary of Terms can be accessed here

HSBC Cash Rewards Mastercard® credit card Student Account Rewards & Benefits and Mastercard Guide to 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.

1 No credit history required; however, applicant must meet the eligibility requirements for the HSBC Cash Rewards Mastercard® credit card Student Account.

2 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 transfers, balance transfers, credit card checks, cash advances or overdrafts. Your HSBC Cash Rewards Mastercard® credit card Student Account must be open and in good standing in order to earn Cash Rewards.

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

4 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.

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). A variable Purchase APR and variable Balance Transfer APR of 13.99% to 23.99%, depending on your creditworthiness, will apply to credit card purchases, balance transfers for the HSBC Cash Rewards Mastercard® credit card Student Account. 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.

The HSBC Cash Rewards Mastercard® credit card Student Account is only available for customers who are opening and are approved for or hold an existing consumer deposit relationship (Checking, Savings or Certificate of Deposit) with HSBC Bank USA, N.A.

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

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

We're here to help you. Find the answers and while you're at it, tell us how we could do better.