HSBC Cash Rewards Mastercard® credit card Reviews

Approval Odds

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1.7 out of 5 stars
12 Reviews

From Cardholders in the last year

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Application Process

2.5 out of 5 stars

Customer Service

1.5 out of 5 stars

1.5 5

Card Details

  • Balance Transfer Intro APR 0% for 15 Months
  • Balance Transfer Regular APR 15.24%, 19.24% or 25.24%* Variable
  • Annual Fee $0
  • Purchase Intro APR Not Applicable
  • Purchase Regular APR 15.24%, 19.24% or 25.24%* Variable

These reviews were written by current and former cardholders in the last year.

Feb 26, 2019
3adil Cardholder

HSBC has the worst customer service, I applied for this card and it took me more than 3 hours to speak up with a person with no help at all. Just closed this account, it was worst decision to apply for this card. 

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Mar 02, 2019

You should actually list the issues so everyone can determine if its you or the company.

Feb 23, 2019
Cannot be trusted
AKDiver Cardholder

They will add extra fees without notification and their customer service is the worst I've ever experienced. They also change your due date just about every month.

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Feb 11, 2019
Horrible service.
Tonyaaa Cardholder

Opened account, transferred a balance was blocked because of some fraud supposedly, tried for 2 weeks to get ahold of someone, no avail and now it’s says it’s a closed account all in a months time. What a joke.  

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Feb 05, 2019
This c/C is great I recommended it!!
Ewtdzvghnxx Cardholder

By far this credit card is the best I seen and who gives you 10% after your first year! In cash back!! So spend spend!!

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Feb 23, 2019

Obviously not a legit review. Obviously not based on a real experience.

Feb 04, 2019
Worst card
EricN1992 Cardholder

I have 12 credit cards, using them wisely. This 1 gives me the most headaches. If payment is due on the 1st and you schedule a payment for the 1st but it doesn't post until the 2nd then u will be slapped with a late few, make sure u pay early or else. Have to call to make a payment because mobile app doesn't support it and logging in on a pc never processes payment info correctly always gets declined. Long hold times on the phones, minum of 10 minutes up to 1 hr.

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Dec 26, 2018
Easy rewards redemption, decent cashback
cardsman321 Cardholder

I haven't had the issues I'm seeing in the other reviews. My $150 bonus posted quickly and I was easily able to redeem it as a statement credit. I use the card when im not getting a better cashback/rewards rate with another card for a particular purchase. It does it's job.

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Dec 19, 2018
Dont do it!!!!
Aorem76 Cardholder

7 calls in 3 plus hours of holding, I have gotten nowhere. Just got my HSBC credit card last week, activated it and went to use it only to be declined. I call HSBC customer service and was told that my card was blocked due to security or fraud. I've never even used the card before. They transferred me to the security fraud dept and I've been on hold ever since. After 7 calls and 3 plus hours of holding I am ready to just close the account, but guess what? I can't even do that until I talk to the security fraud dept. By far the biggest joke of a company, up there with Sprint and Comcast. Would not recommend! Wish I had read these reviews before I applied for this ** card. So ****ed I could punch a ** hole in the wall. HSBC is a joke and does not value you or your time.

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Feb 16, 2019

you're review is bad sprint is great. it's not there fault you can't pay your bill. if something is due on the 1st and you know its due by the 1st and you don't pay it till that day because of you living above you're means you should have to pay late payment aka you suck.

Mar 18, 2019

If you pay it on the due date, it is not late! How does that make you living being your means? You're an idiot!

Mar 18, 2019


Dec 14, 2018
Mobile app is impotent
Tonyknows Cardholder

I have both this card and HSBC's Gold Mastercard. The mobile app has no provision for scheduling or making payments. In order to make payments, cardholders must login to full website which is a labyrinth of it's own. The only other way to make payments is to spend a half an hour on the phone with customer service. Even when that's done, there's no confirmation of the payment until it posts on the designated transaction date.


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Dec 12, 2018
ljtee Cardholder

They ARE the Worst bar none.  DO NOT APPY for this card, you will be sorry. They keep you on hold forever and when someone finally does answer, they just forward you to another dept.  You have been warnrd. STAY far away.

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Dec 05, 2018
spiderr Cardholder

The rewards have minimums to pay out, customer service is difficult to get ahold of and their website is clunky and difficult to use. It also takes 40 days after the end of your introductory session to get your introductory rewards. I definitely do not recommend. 

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HSBC Cash Rewards Mastercard® credit card