For individuals seeking a credit card that aligns with their spending habits and offers rewarding benefits, the HSBC Cash Rewards Credit Card is the perfect choice.

CREDIT CARD
TRIANGLE MASTERCARD
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Packed with a plethora of advantages, this card empowers users to earn cash rewards on every purchase, providing a straightforward path to valuable benefits.

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Pros and Cons of the Credit Card

Pros

  • Earn cashback on all purchases.
  • No annual fee.
  • Introductory APR offers.

Cons

  • Foreign transaction fees.
  • Limited premium benefits.
  • Requires good to excellent credit for approval.

Credit Card Fees and Charges

The HSBC Cash Rewards Credit Card comes with a competitive fee structure. There is no annual fee, making it a cost-effective option for earning cashback.

The card offers an introductory 0% APR on purchases and balance transfers for the first 12 months, after which the APR ranges from 13.99% to 23.99%, depending on your creditworthiness.

However, there are some fees to be aware of. Foreign transaction fees are 3% of each transaction in U.S. dollars, which can add up if you frequently travel abroad or make purchases in other currencies.

Cash advances come with a higher interest rate of 25.99% APR and a fee of either $10 or 5% of the amount of each cash advance, whichever is greater.

Late payment and returned payment fees can be up to $37. It’s important to manage your payments carefully to avoid these additional costs.

About HSBC

HSBC is one of the largest banking and financial services organizations in the world, serving millions of customers across the globe.

Founded in 1865, HSBC offers a wide range of financial products and services, including personal banking, commercial banking, wealth management, and global banking.

Known for its international reach and strong customer service, HSBC provides reliable and secure financial solutions to meet the diverse needs of its customers.

Application

Applying for the HSBC Cash Rewards Credit Card is a straightforward process that can be completed online.

You’ll need to provide personal information such as your name, address, Social Security Number (SSN), and income details.

HSBC will review your credit history and financial information to determine your eligibility.

Once approved, you’ll receive your card in the mail within 7-10 business days. After activating your card, you can start using it immediately to earn cashback on your purchases.

The application process is designed to be quick and user-friendly, ensuring that you can start enjoying the benefits of your new card as soon as possible.

Why Apply for This Credit Card?

There are several compelling reasons to apply for the HSBC Cash Rewards Credit Card.

First, the ability to earn cashback on all your purchases can help you save money on everyday expenses.

For example, if you spend $1,000 a month on groceries, gas, and dining out, earning 1.5% cashback means you’ll get $15 back each month, or $180 a year.

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