As is usually the case, balance transfers and cash advances or fee payments never earn cash back. Rewards never expire but are only earned on accounts in good standing. Thereafter, an unlimited 1.5% cash back is automatically earned.
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Other perks include golf discounts and ShopRunner membership for expedited shipping and free returns at a number of participating stores.Ī respectable middle-of-the-road offering for those who prefer simplified, flat-rate cash back, the card doesn’t quite hit the numbers an unlimited 2% cash-back card might, but, with no foreign transaction fees as a tradeoff, this card will appeal to many who cross borders with its travel perks and travel reward redemption options.Ī 3% cash-back reward is automatically earned on up to the first $10,000 in spending during the first year of account ownership. Numerous travel perks come with the HSBC Cash Rewards card, including no foreign transaction fees, MasterRental auto rental coverage, travel accident insurance and Mastercard Airport Concierge. Unfortunately, the card’s balance transfer rate is 4%, making it not the best choice for balance transfers. The card also offers a 12 month 0% introductory APR on purchases and balance transfers, to be followed by the card’s standard APR.
Following the introductory rewards, all purchases earn an unlimited 1.5% cash back.
The HSBC Cash Rewards card offers 3% cash back during the first 12 months of account ownership or on the first $10,000 in spending-whichever comes first.
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