I'm happy with my credit card, not planning to switch any time soon.
HSBC MasterCard Consumer Reviews
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Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, no annual fee in the first year, including on supplementary cards. A welcome offer value of $350.
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Expensive rates but widely accepted worldwide and moderately secure. Insurance age limit excludes a number of perks and needs revising.