HSBC Cash Rewards Mastercard credit card
- Annual fee: $0
- Signup bonus: $150 after you spend $500 within the first three months of account opening
- Earn 1.5% cash back on everything
- 10% Anniversary Bonus on all Cash Rewards earned once a year
- No foreign transaction fees
- No fee to add authorized users
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The HSBC Cash Rewards card earns 1.5% cash back on all purchases, and you'll receive a 10% bonus on your cash rewards each card anniversary.
When you consider the cash back bonus, the effective cash back is 1.65%.
- 1.5% cash back on everything
- 10% bonus of cash back (1.5% * 10% = 0.15%)
- Effective cash back = 1.65%
Unless you're going after cards for the $150 signup bonus, there are better cash back cards out there. For example, the Citi Double Cash card earns 2% cash back on all purchases, which is better than the 1.65% with the HSBC card.
The HSBC Cash Rewards card is a good option as a starter card, but it's hard to get good value in the longterm if you want to travel. Check out more start card options in this post.
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