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. There are only some basic shopping and travel protections available. After that, the regular 14.99–24.99% Variable APR applies. The HSBC Cash Rewards Mastercard is one of a few rewards cards that are good for general spending. You must purchase the item entirely with your HSBC card. While there are other cards that earn more cash back on … Earn an Introductory 3% Cash Back on all purchases in the first 12 months from Account opening, up to the first $10,000 in purchases. If you're a heavy spender or frequent traveler, there are … You want to earn an extra 10 percent back each year. For no annual fee, this is a simple but effective way to earn cash back everywhere. It’s made for someone who will take more of an active interest in the rewards they’re earning. The card details have not been reviewed or approved by the card issuer. There are a few other ways to redeem your cash back, but they require more work. Credit Card Insider has not reviewed all available credit card offers in the marketplace. A list of these issuers can be found on our Editorial Guidelines. Credit Card Insider has partnered with CardRatings for our coverage of credit card products. The 5% cash back calendar for the Discover it Cash Back for 2021 is: The changing categories are much different than the 1.65% back for every purchase you get with the HSBC Cash Rewards. When you click on ADVERTISER DISCLOSURE: Credit Card Insider is an independent, advertising supported website. Keep an eye on your inbox—we’ll be sending over your first message soon. 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. For example, if you typically charge around $2,800 a month, you’ll collect more than $500 by the end of the year. 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. It also offers a 0% purchase and balance transfer APR for 12 months, which can help you pay off large balances without racking up interest fees. the "Apply Now" button, you can review the credit card terms and conditions on the issuer's web site. There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater. Our reviews and best card recommendations are based on an objective rating process and are not driven by advertising dollars. Credit Card Insider receives compensation from some credit card issuers as advertisers. This offer is no longer available on our site. Check out some similar card offers below. Credit Card Insider receives compensation from advertisers whose products may be mentioned on this page. The HSBC Cash Rewards Mastercard® is a jack-of-all-trades card. You’ll always earn your 1.5 cash back bonus, no matter what you buy or when you buy it. You need to have an HSBC Advance Bank Account (or have paid a total of £1750 a month into an HSBC … Leave your own review of the Cash Rewards Mastercard, we’d love to hear from you! There are no caps and your cash back doesn’t expire. $150 offer: earn $150 after spending $500 in first 3 months. to maintain accurate information. Copyright © 2021 CreditCards.com a Red Ventures Company. Privacy Policy. This card offers no interest on purchases, and balance transfers made … 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. It combines elements from a lot of different types of credit cards, including rewards cards … 0. Ordinarily, it provides 1.5% cash back for every purchase. That anniversary bonus is available as long as your account is active and in good standing. Credit Card Insider has partnered with CardRatings for our coverage of credit card products. Content is accurate to the best of our knowledge when it's published. Travel Accident Insurance $1,000,000 Travel Accident Insurance As a handy reference guide, please read this and keep it in a safe place with your other insurance documents. They require you to make certain kinds of purchases at certain times, for instance, or book travel through certain services. You’ll have a few different options for redeeming your cash back. In the first year, while you earn 3% cash back, you’ll get an equivalent of 3.3% cash back after the anniversary bonus. Your credit cards journey is officially underway. The information about the HSBC Cash Rewards Mastercard credit card has been collected independently by CreditCards.com. If you tend to carry a balance, the HSBC +Rewards ™ Mastercard ® could save you hundreds in interest payments – all while earning you a steady stream of rewards on all your purchases.. You’ll get a low 11.9% rate on purchases, balance transfers, AND cash advances.Since the standard credit card interest rate in Canada is around 19.99%, this could save you more than 8% on interest payments. The first is similar but it’s issued by Chase and has a different set of rotating bonus categories. You’ll only get 12 months with the HSBC card. However, Credit Card Insider does not make any guarantees about the accuracy or completeness of the information provided. Credit Card Insider and CardRatings may receive a commission from card issuers. 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 offers lucrative cash-back rewards that are competitive with other rewards cards. It offers more cash back than most cards of this type, with: Most general-use rewards cards offer about 1.5% cash back, but this card has them beat. Other than that, the Citi card also offers a few benefits that are a cut above the basics you get with the HSBC card. But it does make checking your score with the Amex card more convenient. Advertising partners do not edit or endorse our editorial content. This 2% rate is the main feature of the Double Cash card. But the Discover it Miles provides 1 cent per mile no matter how you redeem. That makes the cash back rate to be 1.65% on everything. Instead of a set amount of cash back for every purchase, this card has bonus reward categories. By providing my email address, I agree to CreditCards.com’s HSBC Cash Rewards Mastercard Review A good cash back credit card can be very useful for busy professionals. Check out our picks for the Best 0% Intro APR Cards. And Discover Match will double that to 3 miles in the first year, or 3% back. If an item has multiple warranties they can each be extended. By admin Son Güncelleme Dec 14, 2020. But that is only available on your monthly statement, online or mailed. But keep up on your payments every month or you’ll lose that intro rate. Or, if you don’t mind taking the time to strategize and maximize your purchases, you could really turbocharge your earnings by pairing this card with a card that offers higher returns on certain purchases. CreditCards.com does not include the entire universe of available financial or credit offers.CCDC has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. Paylaşın. HSBC Cash Rewards Mastercard® Credit Card Review Comparable to the Chase Freedom Unlimited® and the Capital One Quicksilver® cards, the HSBC Cash Rewards Mastercard® offers an unlimited 1.5% cash back earning rate on all purchases. The responses below are not provided or commissioned by bank advertisers. Other cashback credit cards offer enticing cash bonuses to new cardmembers, which can be a tempting carrot when you’re comparing cards. CreditCards.com credit ranges are derived from FICO® Score 8, which is one of many different types of credit scores. Just be sure to report any unauthorized activity as soon as you notice it. So you can redeem your miles for statement credits for their full value, just like any cash back rewards card. About the HSBC Premier credit card. Citi cardholders can also access the Citi Easy Deals shopping portal, where you can find discounts on some products and at some retailers. The average cash back card, by contrast, charges an APR around 17.14 percent, according to CreditCards.com data. There’s no extra charge and it will be accepted pretty much everywhere. $312, APR14.74-24.74% (variable) (See rates and fees). It’s based on your Experian credit report. Just swipe, and automatically get 1.5% cash back on all your purchases. Advertiser relationships do not affect card ratings or our Editor’s Best Card Picks. The 3% cash back introductory rate lets you earn much more generously than usual during your first year as a cardholder. A 10-percent bonus may seem small, but it can add up – especially if you’ve already earned a sizable amount. Your anniversary bonus also applies to any cash back earned at the 3% intro reward rate, which means you can actually earn 3.3% cash back on up to $10,000 in purchases during your first year as a cardholder. Eligible items you buy with your HSBC card are covered against damage and theft for 90 days. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. Sign-up Bonus You can earn the equivalent of 1.65% cash back with this card after the first 12 months, after the anniversary bonus is applied. That includes emergency card replacement or cash advances, medical assistance and referrals, and more. The HSBC Cash Rewards Mastercard presents a simple way to earn cash back for every purchase you make. You could alternate this card with a 5-percent cash back card and use it on any purchase that doesn’t earn 5 percent cash back. HSBC Cash Rewards Mastercard Summary Earning Cash Back. The HSBC Gold Mastercard® credit card is highlighted by a late fee waiver once every 12 months. Or you can just use this as your primary card and collect your automatic cash back bonus without spending any more valuable time thinking about credit card rewards programs. Do you have a correction, tip, or suggestion for a new post? Cash Rewards points can be redeemed as cash back. Contact us here. The HSBC Cash Rewards Mastercard® is a great option for anyone with good credit or better who wants to earn cash back at a consistently high rate without paying an annual fee. The information, including card rates and fees, presented in the review is accurate as of the date of the review. If you tend to make a lot of purchases of these types, a card like this could net you a fair bit of cash back every year. Reasonable efforts are made to maintain accurate information, though all credit card information is presented without warranty. Claims must be made within 60 days of the date of purchase. This review covers the free version. When you add that to the rewards you earn, it means you’ll effectively be getting 1.65% cash back on your purchases. The representative APR is 18.9% variable. Unlike most travel credit cards, this card will provide the same value for your miles no matter how you redeem them. With the Discover it Cash Back you’ll need to think about which purchases you’ll currently get 5% cash back for at any given time. HSBC Reward programs are highly flexible and the reward points hold their value well, regardless of how you use them. Credit Card Insider has not reviewed all available credit card offers in the marketplace. So, the main difference is that you’ll be able to earn a bit more cash back with the Double Cash, compared to the HSBC card. That means you’ll be getting 10% cash back in the bonus categories in the first year. So, stick with statement credits or direct deposits to get your cash back. Travel purchased through Chase Ultimate Rewards, $200 bonus for spending $500 in the first 3 months. It’s better than the 1.65% equivalent you’ll get with the HSBC card, after the 10% bonus. This service is not available outside the U.S. This effectively boosts the card’s reward rate up to 3.3% on purchases up to $10,000 for the first year, and then 1.65% afterward. However, we do receive compensation when you click on links to products from our partners. 3% cash back on all purchases in first 12 months of account opening (up to $10,000 in purchases), Average Yearly Rewards Value ($1,325 monthly spend) The HCBC Cash Rewards provides cardholders with their FICO 8 Credit Scores based on Experian credit reports. 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. The second has static reward categories but it’s a Discover card, so it has the same extra benefits and features as the Discover it Cash Back. The annual fee is $0. Check your card terms to learn exactly how to redeem in these ways: You can see one of your FICO 8 Credit Scores for free with this card. Key link: HSBC Premier Mastercard application form. It’s based on your Experian credit report. This applies to print and online advertisements. And you won’t necessarily get the full value of your rewards when you do. Here we take a deep dive into the HSBC Rewards program and show you how to maximize the return on your spending. Here’s what else you should know about the HSBC Cash Rewards Mastercard: The HSBC Cash Rewards Mastercard recently updated it’s sign-up bonus – offering cardholders 3 percent cash back on up to $10,000 in purchases in the first year (standard 1.5 percent rate thereafter). Either $10 or 4%, whichever is greater, will apply on each balance transfer and credit card check. But if you have an eligible HSBC bank account in addition to the card, you can easily deposit your rewards into it as well. HSBC will check your Equifax or Experian credit report when you apply, possibly both. If this is your only card, use it for all or most of your purchases in order to maximize your cash back. But if you’d rather go for something simple, the HSBC card doesn’t require much thought to use. This card can be cheap to use, with no annual fee or foreign transaction fee. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness. 10% Anniversary Bonus on all Cash Rewards earned each year. That’s especially true if you don’t want to deal with the hassle of figuring out which card to use for which bonus reward category. HSBC Cash Rewards Mastercard® credit card Review This card comes with a nice intro earning opportunity of 3% on purchases up to $10,000 spent in your first year. 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%). Neither card has an annual fee, so you wouldn’t need to pay anything extra as long as you avoid interest. We gave this card 4 out of 5 Stars because it’s a simple and inexpensive card to use. See your unique approval odds listed next to cards on our site. Meanwhile, the HSBC card’s highest APR maxes out at 24.74 percent (variable), which is high, but better than what many competitors charge. This card has an annual fee of $95 (Rates & Fees), but for that price you’ll get: The Blue Cash Preferred would also work well along with the HSBC card. HSBC Cash Rewards Mastercard® They include a concierge you can call any time to get non-emergency help of all kinds. ... HSBC World Elite Mastercard on hsbc.ca Rewards Canada's All Credit Cards Comparison including the HSBC World Elite Mastercard If you find an item you bought being advertised for a lesser price, you could be reimbursed for the price difference. Please review carefully. Any opinions, analyses, reviews, or evaluations provided here are those of the author’s alone, and have not been reviewed, approved, or otherwise endorsed by the Advertiser. Redeeming for statement credits, or by direct deposit into an HSBC bank account, are the. These terms allow CreditCards.com to use your consumer report information, including credit score, for internal business purposes, such as improving the website experience and to market other products and services to you. So you’ll need to have a decent credit history and financial situation to improve your odds of being approved. Read this for help picking your first card and find out what to expect when you apply. Provides coverage against damage and theft for rented vehicles when you pay with the Cash Rewards Mastercard. Keep reading to see if it’s right for you. The HSBC Premier Mastercard is issued by HSBC. And they both come with basic shopping and travel protection. Another is Entertainment Access, which provides exclusive offers for live events in big cities. Or see the HSBC Gold Mastercard® (Review), a similar offer with no cash back and a longer 0% intro APR period. Use this card wherever you want because you’ll always get 1.5% cash back, no matter what you buy. For example, you can pair this card with higher maintenance rewards cards that offer bigger bonuses on certain types of purchases, but only offer 1 percent back on general purchases. We’ll do a soft credit pull to find them, which will never impact your credit score. Looking for other cards with long intro APR periods? Provides $1,000,000 in coverage when traveling by common carrier, against accidental loss of life, limb, speech, sight, or hearing. on HSBC’s secure website. You’ll also find some basic protections available, for shopping and traveling. American Express is a Credit Card Insider advertiser. But if you do want to explore other options, you can also redeem in the following ways. However, all credit card information is presented without warranty. Collect points with HSBC Mastercards, and you can redeem them for travel, experiences, gift cards, merchandise, HSBC financial products, and more. For best results, maximize your spending during the first year to capitalize on the 3% bonus cash rate, and take advantage of the 12-month, 0% APR promotion if your situation warrants. The Blue Cash Everyday has superior benefits compared to the HSBC card. It also offers advanced security measures such as Mastercard ID Theft Protection, contactless payments, and customer service available by phone or online messaging. Earn 1.5% cash back on all purchases. The HSBC Cash Rewards Mastercard® credit card * is a solid no-annual-fee credit card that earns 1.5% cash back on all purchases. All reviews are prepared by CreditCards.com staff. HSBC has new offers for their Mastercards. That’s a nice perk for a cash back card. The HSBC Cash Rewards Mastercard® credit card is currently offering an introductory 3% cash back on all purchases in the first 12 months from account opening, up to the first $10,000 in purchases. So you’ll get a slight boost to your points every year. Instead, you’ll see recommended credit ranges from the issuers listed next to cards on our site to help you determine which cards you’re likely to be approved for. 0% purchase and balance transfer APR for 12 months, which can help you, HSBC Cash Rewards Mastercard® credit card, full set of benefits for the HSBC Cash Rewards Mastercard, Blue Cash Everyday® Card from American Express, your FICO score based on your Experian report, Blue Cash Preferred® Card from American Express, Leave your own review of the Cash Rewards Mastercard. So overall the HSBC Cash Rewards might have a slight edge over it in the long term, with its 10% bonus and FICO Score 8 access. The Blue Cash Everyday® Card from American Express (Review) has a bit more reward potential than the other general-use cards listed here. You must charge the entire fare to your HSBC card to be eligible. Covers you, your spouse or domestic partner, and dependent children. HSBC Cash Rewards Mastercard® Credit Card. Cash Rewards do not apply to account upgrades, account transfers, balance transfers, credit card checks, cash advances or overdrafts. 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. If you have the HSBC card, you can check to see how closely your FICO scores match up between your Experian and TransUnion credit reports. You won’t get the most valuable extra benefits, but for no annual fee this card is cheap and easy to use. This only applies to balance transfers, unlike the 0% purchase and balance transfer rate you get with the HSBC card. For complete details of any products mentioned, visit bank or issuer website. But, in practice, the rewards can be difficult to earn and build up quickly. Citi Flex Plan offers are made available at Citi’s discretion. Content is not provided or commissioned by any credit card issuers. Your personal information and data are protected with 256-bit encryption. Earn 20% back on purchases at Amazon.com on the Card in the first 6 months, up to $200 back. Or, if you’re pairing this card with other higher earning rewards cards, use this card to pay for any purchase that doesn’t earn a higher rate on one of your other cards. Here are the details on HSBC's latest offers. However, beware of some downsides. You may save some money compared to calling the service directly because some fees are pre-negotiated. But instead of set categories, this card has bonus reward categories that change every three months. And it’s a pretty good offer compared to other general-use rewards cards, thanks in large part to Discover Match. You’ll also receive a 10% bonus on all the cash back you earn each year, within seven days after your account anniversary. 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. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. You want a lower interest rate than what’s typically available on cash back cards. However, your score will only be reported on your monthly statement, either digital or mailed. Advertiser relationships do not affect card evaluations. You’d want to use the HSBC Cash Rewards during the first year for the first $10,000 in purchases, and then the Discover it Cash Back card afterward, which earns 2% back on non-category purchases in that first year. You’ll also get a few other standard benefits. This offer applies to approved new HSBC +Rewards Mastercard accounts for which an application is received between January 18, 2021 and March 29, 2021. The HSBC Cash Rewards Mastercard offers a long introductory period for balance transfers and new purchases, but its balance transfer fee is on the high side. You’ll need to decline the rental company’s own insurance or damage waiver in order for this to apply. Credit Card Insider and CardRatings may receive a commission from card issuers. After that, it earns 1.5% back on everything. Learn more about our advertising policy. HSBC Cash Rewards; Benefits. Its minimum APR runs as low as 14.74 percent (variable) – a rate that’s increasingly hard to find, even on lower interest rate credit cards. It helps pay for everything–from utility bills, shopping, and … Credit Card Insider receives compensation from some credit card issuers as advertisers. If you apply for a credit card, the lender may use a different credit score when considering your application for credit. Since these cards have different rewards programs, a good strategy could be using them both together. 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