HSBC Cash Rewards Credit Card Review

HSBC Cash Rewards Mastercard Review

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Benefits

  1. $150 offer: earn $150 after spending $500 in first 3 months.
  2. Earn 1.5% cash back on all purchases.
  3. 10% Anniversary Bonus on all Cash Rewards earned each year. That makes the cash back rate to be 1.65% on everything.
  4. No foreign transaction fee.
  5. No annual fee.

Disadvantages

  1. The sign-up bonus is just so so.

Recommended Application Time

  1. We recommend you apply for this card after you have a credit history of at least two years and you are very comfortable with the credit card game.

Summary

1.5% cash back on everything is not impressive compared to Citi Double Cash (DC) which earns 2% cash back everywhere with no annual fee. Besides, HSBC has a bad service comparing to US banks. The sign-up bonus (which is just so so) is the only reason to get it.

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