No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
I have gotten HSBC Mailers in the past, this one is the first I have noticed with a 3% offer, on up to $10k spend the first year. Combined with the 0% BT and 0% APR might be interesting. The "prequal" goes until Sept 30. It also seems to not have a foreign transaction fee. Goes to 1.5% after, so may or may not be interesting.
What is your opinion of HSBC? How are the BT offers after the initial year?
Haven't really heard anything positive, a lot of horror stories with the application process. They do not seem to be super popular and there isn't a lot of feedback around, but I certainly haven't seen anything very encouraging.
That said, the 3% for a year is a good offer if you'll put most of your spend on that card only. If not (i.e. you'll still be using many different cards) it's probably not going to add up to a lot.
I would like this offer although HSBC isn't known for their SL's persay unless you have some serious cash in with them.
Assume 3% for first year is only targeted?
edit: actually is a public offer although heard verification is a joy
I hear mostly negative things about HSBC, specifically regarding the application process. However, that’s a very good offer, and if they’re sending you mail, things may go smoothly for you. If you think the card is a good fit for you, go for it! Good luck!
See you in Approvals?
$10k is a pretty low 3% (or 3.3%?) cap for a card with no lump sum bonus or (AFAIK) special features.
Skip the headache and low CL and get yourself a CFU 3% 20K spend cap.
If you're over 5/24 like most of us then....
Disco IT MILES is 3% no cap + $75 Amazon credit if you apply through Amazon
Appears they removed the 100/150 signup bonus on $500 spend as well and changed it from 1.5% to 3.0% card for first year which you guessed it equals $150 if you spend the full 10k.. So actually this offer is worse than the 150 sign-up bonus for $500 spend. I would certainly hold off now that i did my research . I see what they did there lol
Haven't heard much in the way of good things about them and I agree that this offer is a bit of a rip off.
@Anonymous wrote:Skip the headache and low CL and get yourself a CFU 3% 20K spend cap.
If you're over 5/24 like most of us then....
Disco IT MILES is 3% no cap + $75 Amazon credit if you apply through Amazon
How did I not know about that Discover referral offer? I would have jumped on that when I was out of the garden last month!
if you do the math, it's just $150 SUB for a $10K spend. not a good deal, really.
(Updated: incorrect and vague math. $150 excludes the regular 1.5% cashback.)