Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.
- Stefani Balinsky, HardbaconThis low-interest credit card is absolutely worth your time and money. It has the standard zero liability you get with Mastercard, purchase and warranty insurance, as well a price protection feature. Sure, it has an annual fee for the primary card and supplementary ones as well. However, the card’s...
- Enoch Omololu, SAVVY New CanadiansIf you are looking for a versatile credit card that offers low interest rates as well as everyday rewards, this card is worth checking out. The basic insurance coverage included with the card is an added perk, and if you’d like additional travel insurance, it is available as an optional add-on for a...
- Claire Horwood, FinderThe HSBC +Rewards Mastercard may be a good fit for you if you want a low-interest card that lets you earn points for every dollar you spend. It comes with a low annual fee and offers basic insurance coverage with the option to add travel insurance for an extra fee.
- Offerhub.caThe card can be a great choice for Canadian citizens as it gives excellent bonuses and rewards when signing up for this program. However, there are some different terms for people living in Quebec.
- Kalleigh MacCormack, MoneyGeniusIf you tend to carry a balance, the HSBC +Rewards™ Mastercard® could save you hundreds in interest payments – all while earning you a steady stream of rewards on all your purchases. You'll get a low 11.9% rate on purchases, balance transfers, AND cash advances. Since the standard credit card interes...
Interest Rates | |
---|---|
Regular APR Interest Rate | 11.9% |
Balance Transfer Interest Rate | 11.9% |
Cash Advance Interest Rate | 11.9% |
Rates & Fees | |
Annual Fee |
$25.00 Full annual fee rebate for the first year |
Balance Transfer Fee |
5% Maximum |
Cash Advance Fee | $5.00 |
Foreign Transaction Fee | $0.00 |
Over Limit Fee | $29.00 |
Late Payment Fee | $0.00 |
Promotions | |
Sign up bonus | No |
Rewards | |
All Purchases | 1 point per $1 spent |
Restaurants | 2 points per $1 spent |
Gas | No |
Groceries | No |
Hotels | No |
Travel | No |
Pharmacy | No |
Bills | No |
Additional Details |
2 points per $1 spent on entertainment purchases |
Features & Benefits | |
Additional Card Holders |
$10 per card per year |
Travel Accident Insurance | No |
Car Rental Insurance | No |
Car Rental Discount | No |
Extended Warranty | Yes |
Purchase Protection | Yes |
Zero Liability | Yes |
No Foreign Transaction Fees | Yes |
Emergency Assistance | No |
Concierge Service | No |
Price Protection | Yes |
Fraud Protection | Yes |
Free Credit Scores | No |
Wireless Payments | Apple Pay |
Virtual Cards | No |
Eligibility | |
Minimum Security Deposit | $0 |
Minimum Age |
18 years in AB, MB, ON, PE, QA, SK. 19 years in all other provinces. |
Minimum Personal Income | |
Temporary Residents | No |
More | |
Additional comments | - |
Terms & Conditions | Official Terms & Conditions |
Suggest a correction |
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