HSBC Cash Rewards Mastercard Calculator

Review the benefits of the HSBC Cash Rewards Mastercard, calculate how much cash back you can earn based on your spend, and compare against top cards.
Updated 2020-07-10 By Robert Flowers III

The HSBC Cash Rewards Mastercard is a flat-rate cash back credit card. It earns 3% cash back on the first $10,000 in purchases made during the first year as an introductory rate and then 1.5% cash back on all purchases after that. The card also comes with a 0% intro APR on purchases and balance transfers, has no annual fee, and has no foreign transaction fees.

Quick Details
Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Bonus Categories

The HSBC Cash Rewards Mastercard is a flat rate cash back credit card. You'll earn 3% cash back on the first $10,000 in purchases during the first 12 months of having the card. Once you've hit the cap or after 12 months have passed, the card will earn 1.5% cash back. There's no limit to the amount of cash back you can earn with the card overall.

  • 1.5%-3% All Purchases
    • Introductory 3% cash back for first 12 months or after $10,000 spend, whichever comes first.
    • 1.5% cash back on all purchases after introductory rate ends.

Perks & Benefits

The HSBC Cash Rewards Mastercard comes with a few useful travel benefits such as discounts, rental car coverage, and more. Most of these benefits are offered by Mastercard.

  • onefinestay Discount
    • 10% discount.
  • Travel & Purchase Coverage
  • MasterCard Travel & Lifestyle Services
    • Luxury travel benefits amenities and upgrades at some travel destinations.
  • Mastercard Airport Concierge
  • ShopRunner Membership
  • Postmates Discount
    • $5 off Postmates orders of $25 or more for delivery of food, drinks and grocery.
    • Does not include taxes, delivery fees, and tips.
  • Priceless Golf
    • Discounted access to select golf courses, complimentary grounds passed for PGA Tournaments, and Priceless Lessons with PGA Tour professionals.

Sign Up Bonus

The standard sign up bonus for the HSBC Cash Rewards Mastercard is the 3% introductory cash back rate and the 0% introductory APR on purchases and balance transfers.


Annual Fee

The HSBC Cash Rewards Mastercard has no annual fee. This means you'll always earn a great return when using the card to make purchases.

Authorized User Fee

There is no authorized user fee for adding additional users to the HSBC Cash Rewards Mastercard.

Foreign Transaction Fee

The HSBC Cash Rewards Mastercard has a 0% foreign transaction fee which makes it a great card for those looking for a simple method of earning cash rewards spending internationally, especially during the 3% introductory cash back rate.

Rewards Calculator

You can use the rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on the value of the rewards earned and how much each benefit is worth to you, minus the annual fees. You can click the Compare A Card button to compare this card side by side any other card featured on the site within the same calculator.

Note! All category spend entered in the primary card's column (first column when comparing cards) will carry over to all credit card calculators on the site. This means you will not have to re-enter the same information again and again when browsing during the session.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Edit Card Options
Compare A Card
Family Cards
These cards are part of the same family.
Similar Cards
These are similar cards based on earning structure and other benefits (that aren't part of the same family).
Search Cards
Search for credit cards by name, rewards program, or rewards currency.
Search Results Display Here
Category Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all rewards earned from Category Spending and Reward Bonuses, along with the cash value of it all based on Currency Worth.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of Total Earnings based on Currency Worth.

Rakuten Rewards

$25 Bonus
Earn $25 or 2,500 Membership Rewards Points when you sign up for a Rakuten Rewards account and make a $25+ purchase. Rakuten and other cash back portals allows you to easily double and triple dip on rewards. I recommend using portals when booking travel or shopping online. You can sign up through The Point Calculator referral link to help out the site.
Sign Up For Free | Rakuten Review
Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User Fee
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card based on spend, benefits, and fees.
Total Return
The percent you are earning based on spend, earnings, and fees.

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