HSBC Cash Rewards Mastercard


This card has a little bit of everything in abundance, and that’s why it’s our best overall pick. To kick things off, you’ll earn a flat 3% cash back on up to $10,000 worth of all purchases in the first year. That translates into a bonus worth up to $300, which is superior for a no-annual-fee cash-back card. After that, you’ll earn a flat 1.5% cash back on all purchases, which is respectable and makes tracking reward earnings easy. You’ll also get a decent 0% APR offer on purchases and balance transfers for 12 months, and some stand-out extras like cellphone protection and secondary rental car insurance.

  • Superb bonus that doubles the already-solid rewards earning rate on eligible purchases during the first year
  • 0% APR deals give you a full year to pay off purchases and balance transfers
  • Includes cellphone insurance coverage, which is uncommon


  • No short-term new cardholder bonus for those seeking a quick stash of cash back
  • Above-average balance transfer fee can chip away at the cost savings of moving large balances to this card


  • 1.5% Unlimited Cash Back – on all purchases after the intro period
  • No Annual Fee
  • No Foreign Transaction Fees

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