Contact us here. You can also earn quite a bit back with this type of card if you use it as an everyday spending tool and charge all or most of your purchases. But these two ways are the simplest: We recommend redeeming for statement credits, which will be the quickest and easiest way for most people. After that, the regular 14.99–24.99% Variable APR applies. Statement credits, which will lower your account balance, Direct deposits it into an HSBC consumer checking or savings account. Credit Card Insider and CardRatings may receive a commission from card issuers. The HSBC Cash Rewards Mastercard® Credit Card is a no-frills cash back credit card built for everyday spending. It is not our partner’s responsibility to ensure all posts or questions are answered. It doesn’t have the most rewarding bonus categories. HSBC Cash Rewards Mastercard Summary Earning Cash Back. But it does make it easy to earn more than the 1% back on non-category purchases you’ll get with most reward cards, and the 3% introductory reward rate makes this card even more valuable. Less well-known than other 1.5 percent cash back cards from bigger banks, the HSBC Cash Rewards Mastercard stands out from its competitors with a solid 10 percent anniversary bonus that can substantially boost cardholders’ earnings. But the Discover it® Miles (Review) is a surprisingly good card offer that isn’t limited to travelers and travel expenses. Credit Card Insider receives compensation from some credit card issuers as advertisers. And Discover Match will double that to 3 miles in the first year, or 3% back. You won’t get the most valuable extra benefits, but for no annual fee this card is cheap and easy to use. It’s based on your Equifax credit report. This card is rated for good credit. Use this card wherever you want because you’ll always get 1.5% cash back, no matter what you buy. In a Nutshell: Less well-known than other 1.5 percent cash back cards from bigger banks, the HSBC Cash Rewards Mastercard stands out from its competitors with a solid 10 percent anniversary bonus that can substantially boost cardholders’ earnings. Unlike other better-known cards that offer 1.5 percent cash back, this card also amply rewards loyal cardholders who keep using their HSBC Mastercard year after year. *Offer currently unavailable* Additionally, this card offers an ongoing 1.5% unlimited cash back rate on all purchases and no annual fee. So even though it’s technically a travel card, you can use the Discover it Miles like any other rewards card. This offer is no longer available on our site. Earn unlimited 1.5% cash back on all purchases. This isn’t a huge difference, however, because the score is updated monthly in both cases. There’s also a set of basic shopping and travel protections. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness. You’ll only get 12 months with the HSBC card. The HSBC Cash Rewards Mastercard doesn’t get as much attention as better-known competitors, such as the Capital One Quicksilver Cash Rewards Credit Card or Chase Freedom Unlimited. The HSBC Cash Rewards Mastercard offers lucrative cash-back rewards that are competitive with other rewards cards. They include access to Amex Offers, a selection of discounts at many popular merchants. The offers that appear on this site are from companies from which CreditCards.com receives compensation. You’ll be taken to HSBC’s site to apply, where you can provide your personal information. Read this for help picking your first card and find out what to expect when you apply. Airport concierges are available to escort you through the terminal, in some cases expediting you through security or immigration. Credit Card Insider has partnered with CardRatings for our coverage of credit card products. Your credit score is only available on your statement, rather than freely online like many other cards. You could use the Discover it Cash Back together with the HSBC Cash Rewards to earn a fair amount of cash back for every purchase. Your miles will be worth 1 cent each with this card, so you’ll be earning the equivalent of 1.5% cash back with this card. 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%). The Chase Freedom Unlimited® (Review) is similar to the HSBC card in that it offers 1.5% for non-category purchases, but it has more to offer. When you click on any ‘Apply Now’ button, the most up-to-date terms and conditions, rates, and fee information will be presented by the issuer. Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. The cash rewards program for the HSBC Cash Rewards Mastercard® credit card is very straightforward. While the regular rewards-earnings rate is comparable to what you’ll find among similar no-annual-fee-cards, the HSBC Cash Rewards Mastercard offers superior value in your first year as a cardholder. All Rights Reserved. But if you do want to explore other options, you can also redeem in the following ways. You can also get an enhanced version of the Blue Cash Everyday, the Blue Cash Preferred® Card from American Express (Review). The HSBC Cash Rewards Mastercard® credit card is a good option if you’re looking to dip your toe into the cash back world with a solid card that can earn you rewards on your everyday spending — particularly if you already have a banking relationship with HSBC Bank. Privacy Policy. All reviews are prepared by CreditCards.com staff. So you’ll get a slight boost to your points every year. If you max out the spend cap on this offer, you can bring in at least $300 in cash back in the first year alone. Neither card has an annual fee, so you wouldn’t need to pay anything extra as long as you avoid interest. See the full set of benefits for the HSBC Cash Rewards Mastercard. This applies to eligible items you buy with your HSBC card that have a manufacturer’s warranty of 12 months or less. ... HSBC World Elite Mastercard on hsbc.ca Rewards Canada's All Credit Cards Comparison including the HSBC World Elite Mastercard A cash back card with a flat rewards rate, by contrast, is more reliable. In addition to all that, this card has no annual fee. Keep tabs on one of your FICO 8 Credit Scores by checking it on your monthly statement. For example, if you earned $500, you’d get an extra $50 back – enough to treat yourself to a fancy dinner or some other luxury you wouldn’t have otherwise splurged on. Are a few other good general-use Rewards cards that are good for general spending accurate and/or are. Deals shopping portal, where you can redeem your miles no matter which card! 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