The HSBC Cash Rewards Mastercard, like most cash-back cards with flat rates, is all about earning rewards for the spending you’ll do anyway. It’s worth taking advantage of that 3% earnings rate in the first year up to $10,000, which means spending just over $830 a month. And because you won’t pay any interest on purchases in the first 12 months, you’ll have a bit of wiggle room if you need to carry a balance during that period.

Of course, the whole point of this card is to earn cash back, so you don’t want to get into the habit of carrying balances once the introductory period is up, or the finance charges will negate the value of your earnings.


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How to Get the Most Out of HSBC Cash Rewards Mastercard

Sams Credit Card

The Sam’s Club Credit Card, issued by Synchrony Bank, is a basic store credit card for Sam’s Club members with a less-than-stellar credit profile. The Sam’s Club Credit Card can only be used at Sam’s Club and Walmart stores and doesn’t offer any rewards on purchases, so it’s mainly for borrowers who aren’t likely to qualify for a better credit card that can be used more broadly. If your credit is just fair (if you have a FICO score of 580 to 669) and you shop at Sam’s Club and Walmart frequently, this card can be a worthwhile financing tool, albeit with a steep interest rate.

Big Lots Credit Card

The Big Lots Credit Card is a good choice for frequent Big Lots shoppers who want the flexibility to pay for their purchases over time. If you can handle the deferred-interest financing deals properly, you can save a lot of money and gain the flexibility around paying your credit card bill. Most people, however, will be better off with a cash-back card that works anywhere and earns rewards of some kind. Try the CardCruncher tool to find the right card for you.

Surge Mastercard Credit Card

The Surge Mastercard® is one of the easiest credit cards to get if you have bad credit, but the card's annual and monthly fees may reduce its appeal. If you're considering the Surge Mastercard® to build credit, here's what you need to know before you submit your application.

Menards BIG Credit Card

Menards has been one of the leading stores for home improvements for over five decades now. Many people rely on this store for their home improvement needs where they spend thousands of dollars. The Menards Big Card is designed to help all the Menards loyalists to get more rewards from making their purchases in the store and a few other selected gas stations. The card offers different types of rewards from cash back to in-store financing making it a very valuable tool especially if you tend to do a lot of home improvement.

Stein Mart Credit Card

The Stein Mart Platinum Mastercard® offers additional savings on items that fly off the rack at the discount retailer's store.The card, issued by Synchrony Bank, earns rewards at the retailer online and in-store and everywhere that Mastercard is accepted. It also offers perks such as exclusive savings events, birthday surprises and the chance to earn even more rewards with Elite status. The card's annual fee is $0.

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HSBC Cash Rewards Mastercard
The HSBC Cash Rewards Mastercard is a solid flat-rate cash-back card with some cool extras. 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.
HSBC Cash Rewards Mastercard

HSBC Cash Rewards Mastercard Review
Full ReviewThe 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. And you'd better like bonuses because HSBC Cash Rewards has a few. For starters, you'll earn 3% cash bac

The Rewards of HSBC Cash Rewards Mastercard
RewardsEarn 3 Cash Rewards per $1 (3% cash back) on all purchases in the first 12 months, up to the first $10,000.After the intro period, earn unlimited 1.5 Cash Rewards per $1 (1.5% cash back) on all purchases.Redeem Cash Rewards for Travel, Cash Rewards, Gift Cards or Merchandise.Get a 10% discoun

HSBC Gold Mastercard
If you want to avoid interest on a major purchase or balance transfer, the HSBC Gold Mastercard has one of the industry’s longest and most competitive introductory 0% offers.
HSBC Gold Mastercard

HSBC Gold Mastercard Review
Full ReviewThe HSBC Gold Credit Card won't enrich you with rewards treasure, but it will hide your balance from interest's grasp for the first 18 months your account is open. More specifically, HSBC Gold is an upper-echelon 0% credit card, offering a 18-month interest-free intro period that

How to Get the Most Out of HSBC Gold Mastercard

If you have some big purchases planned—maybe appliances for a kitchen upgrade—consider signing up for a card like the HSBC Gold Mastercard first. That way, you can save money on interest while you pay down your new stove and fridge over 18 months. Just be sure you pay off your balance in full be

How to Apply For HSBC Credit Card
OnlineSearch for the official websiteFollow the requirement and entry the needed messages.

HSBC Credit Card Payment
HSBC Customer Service HotlineCall (852) 2233 3000 to transfer funds from your linked savings/current account with HSBC (phone personal identification number (PIN) required).AutoPayDirect debited from your designated bank account (US dollar (USD) current, savings or CombiNations savings account for U