Unusual and Modest One-Time Offer: Rewards credit cards typically offer a one-time cash or points bonus, sometimes worth a few hundred dollars, that you earn after you reach a spending threshold within the first several months of opening an account.Finally, this is secondary coverage that kicks in after you’ve received the benefits from any coverage from your existing phone insurance policies. And any eligible damage must affect the phone’s functionality, which precludes repairs for cosmetic reasons alone, or due to abuse or what’s deemed to be normal wear and tear. While theft is covered, an unexplained loss of the phone is not. Cell-Phone Protection: If you use the HSBC Advance Mastercard to pay your monthly phone bill, you’ll get up to $600 in protection for your cell phone, subject to a $50 deductible.(It's possible to find rewards credit cards offering higher rates on those categories, like the Capital One Savor or Amex Gold card, but they come with relatively high annual fees.) That’s a decent rate for a card that charges no annual fee to customers with qualifying accounts. HSBC points essentially add up to 2% or 3% of purchases. For the first 12 months after you open a card account, you’ll earn 3 points per dollar spent on dining and entertainment and 2 points per dollar on all other card charges, for the first $25,000 in purchases. Competitive Rewards During the First Year: This card’s rewards during the first year of ownership are competitive compared to similar rewards cards.Requires HSBC account, at least initially
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