Mastercard® Credit Cards

Whether you're looking for an everyday cash back card or luxury travel rewards, Mastercard® partners with lots of issuers so you're sure to find a card that suits your needs.

See the best Mastercard offers from our partners below.

Bank of America® Cash Rewards Credit Card

Bank of America® Cash Rewards Credit Card

43,662 Reviews

Good to Excellent Credit Recommended (670-850) ? CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
at Bank of America's Secure Site

At A Glance

Intro Bonus
$150
?

$150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening

Annual Fee
$0
Regular APR
14.74% - 24.74% variable

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Highlights

  • No annual fee
  • $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
  • No changing categories and no expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 14.74% - 24.74% Variable APR. 3% fee (min $10) applies to balance transfers
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%
  • Easily add your Mastercard® credit card to any digital wallet for a simple, secure, and convenient way to pay online, in-app, and in-store

Rates & Fees

Annual Fee
$0
Intro Purchase APR
0% Introductory APR on purchases for 12 billing cycles
Regular APR
14.74% - 24.74% Variable APR on purchases and balance transfers
Intro Balance Transfers APR
0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days

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Citi® Double Cash Card

Citi® Double Cash Card
Good to Excellent Credit Recommended (670-850) ? CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
at Citi's Secure Site

At A Glance

Intro Bonus
No current offer
Annual Fee
$0*
Regular APR
15.24% - 25.24% variable

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Highlights

  • Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay
  • Balance Transfers do not earn cash back
  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.24% - 25.24% based on your creditworthiness*
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases
  • No categories to track, no caps on cash back, no annual fee*

Rates & Fees

Annual Fee
$0*
Intro Purchase APR
N/A
Regular APR
15.24% - 25.24%* (Variable)
Intro Balance Transfers APR
0% for 18 months*

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Citi Simplicity® Card

Citi Simplicity® Card
Good to Excellent Credit Recommended (670-850) ? CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
at Citi's Secure Site

At A Glance

Intro Bonus
No current offer
Annual Fee
$0*
Regular APR
15.74% - 25.74% variable

Show Less

Highlights

  • The only card with No Late Fees, No Penalty Rate, and No Annual Fee...Ever
  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 15.74% - 25.74% based on your creditworthiness*
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
  • The same great rate for all balances, after the introductory period
  • Save time when you call with fast, personal help, 24 hours a day – just say "representative"
  • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month

Rates & Fees

Annual Fee
$0*
Intro Purchase APR
0%* for 18 months on Purchases*
Regular APR
15.74% - 25.74%* (Variable)
Intro Balance Transfers APR
0%* for 18 months on Balance Transfers*

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Capital One® QuicksilverOne® Cash Rewards Credit Card

Capital One® QuicksilverOne® Cash Rewards Credit Card
Fair to Good Credit Recommended (580-740) ? CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
at Capital One's Secure Site

At A Glance

Intro Bonus
No current offer
Annual Fee
$39
Regular APR
24.74% variable

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Highlights

  • Earn unlimited 1.5% cash back on every purchase, every day
  • Earn cash rewards without signing up for rotating categories
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Monitor your credit profile with the CreditWise® app, free for everyone
  • $0 fraud liability if your card is ever lost or stolen
  • No limit to how much cash back you can earn, and cash back doesn't expire for the life of the account
  • Help strengthen your credit for the future with responsible card use
  • Get customized alerts and manage your account with the Capital One mobile app

Rates & Fees

Annual Fee
$39
Intro Purchase APR
N/A
Regular APR
24.74% (Variable)
Intro Balance Transfers APR
N/A

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Citi® Diamond Preferred® Card

Citi® Diamond Preferred® Card
Good to Excellent Credit Recommended (670-850) ? CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
at Citi's Secure Site

At A Glance

Intro Bonus
No current offer
Annual Fee
$0*
Regular APR
14.74% - 24.74% variable

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Highlights

  • 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that the variable APR will be 14.74% - 24.74%, based on your creditworthiness*
  • 0% Intro APR on purchases for 12 months from date of account opening. After that the variable APR will be 14.74% - 24.74%, based on your creditworthiness*
  • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balance, are paid in full
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions
  • No annual fee*
  • Free access to FICO® Scores*

Rates & Fees

Annual Fee
$0*
Intro Purchase APR
0%* for 12 months on Purchases*
Regular APR
14.74% - 24.74%* (Variable)
Intro Balance Transfers APR
0%* for 21 months on Balance Transfers*

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Citi ThankYou® Preferred Card

Citi ThankYou<sup>&#174;</sup> Preferred Card
Excellent Credit Recommended (740-850) ? CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
at Citi's Secure Site

At A Glance

Intro Bonus
No current offer
Annual Fee
$0*
Regular APR
15.24% - 25.24% variable

Show Less

Highlights

  • Enjoy 0% Intro APR on purchases for 15 months from date of account opening and 0% Intro APR on balance transfers for 15 months from date of first transfer; after that, the variable APR will be 15.24% - 25.24% based upon your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater*
  • Earn 2X Points on Dining Out & Entertainment
  • Earn 1X Points on All Other Purchases
  • Points are redeemable for gift cards to popular retailers, restaurants, and department and home stores. 2,500 ThankYou® Points can be redeemed for a $25 gift card at thankyou.com
  • No expiration and no limit to the amount of points you can earn with this card
  • No annual fee*

Rates & Fees

Annual Fee
$0*
Intro Purchase APR
0% for 15 months on Purchases*
Regular APR
15.24% - 25.24%* (Variable)
Intro Balance Transfers APR
0% for 15 months on Balance Transfers*

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MLB™ Cash Rewards Mastercard® from Bank of America

MLB&#8482; Cash Rewards Mastercard&#174; from Bank of America
Good to Excellent Credit Recommended (670-850) ? CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
at Bank of America's Secure Site

At A Glance

Intro Bonus
$150
?

$150 cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening

Annual Fee
$0
Regular APR
14.49% - 24.49% variable

Show Less

Highlights

  • $150 cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • All 30 team cards are available, customized with your favorite team's colors and logo
  • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
  • No annual fee
  • No changing categories and no expiration on rewards
  • Get a 10% customer bonus every time you redeem cash back into a Bank of America® checking or savings account
  • 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 14.49% - 24.49% variable APR. 3% fee (min $10) applies to balance transfers

Rates & Fees

Annual Fee
$0
Intro Purchase APR
0% Introductory APR on purchases for 12 billing cycles
Regular APR
14.49% - 24.49% Variable APR on purchases and balance transfers
Intro Balance Transfers APR
0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days

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Citi® / AAdvantage® Executive World Elite™ Mastercard®

Citi&#174; / AAdvantage&#174; Executive World Elite&#8482; Mastercard&#174;
Excellent Credit Recommended (740-850) ? CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
at Citi's Secure Site

At A Glance

Intro Bonus
50,000 miles
?

Earn 50,000 American Airlines AAdvantage® bonus miles after spending $5,000 in purchases within the first 3 months of account opening*

Annual Fee
$450
Regular APR
17.49% - 25.49% variable

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Highlights

  • Earn 50,000 American Airlines AAdvantage® bonus miles after spending $5,000 in purchases within the first 3 months of account opening*
  • Admirals Club® membership for you and guests with you*
  • Complimentary Admirals Club® lounge access for authorized users
  • Earn 10,000 AAdvantage® Elite Qualifying Miles (EQMs) after you spend $40,000 in purchases within the year*
  • No Foreign Transaction Fees on purchases*
  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases and 1 AAdvantage® mile for every $1 spent on other purchases*
  • First checked bag is free on domestic American Airlines itineraries for you and up to eight companions traveling with you on the same reservation*

Rates & Fees

Annual Fee
$450
Intro Purchase APR
N/A
Regular APR
17.49% - 25.49%* (Variable)
Intro Balance Transfers APR
N/A

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Mastercard® Gold Card™

Mastercard&#174; Gold Card&trade;
Excellent Credit Recommended (740-850) ? CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
at Luxury Card's Secure Site

At A Glance

Intro Bonus
No current offer
Annual Fee
$995
Regular APR
16.49% variable

Show Less

Highlights

  • 24K-Gold Plated – Patented Card Design
  • 2% Value for Airfare Redemptions
  • 2% Value for Cash Back Redemptions
  • 24/7 Luxury Card Concierge™
  • Exclusive Luxury Card Travel Benefits
  • $200 Annual Airline Credit Toward Qualifying Purchases
  • $100 Global Entry Application Fee Credit
  • Annual Fee: $995 ($295 for each Authorized User)

Rates & Fees

Annual Fee
$995
Intro Purchase APR
N/A
Regular APR
16.49% Variable
Intro Balance Transfers APR
0% introductory APR for the first fifteen billing cycles on balance transfers made in the first 45 days

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Editorial disclosure: All reviews are prepared by CreditCards.com staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the bank's website for the most current information.


Comparing Offers from Mastercard

Mastercard, one of the world's dominant payment systems, teams up with such giants as Bank of America and Citi to bring you all manner of cards, from credit-builder cards to exclusive travel products. This brand also offers its own benefits, from security to its proprietary Priceless Cities program. Here, we look at:

Best Mastercard credit cards of 2018

Deeper analysis on best cards

Capital One® Platinum Credit Card

This card is ideal for the consumer who is looking to improve his credit. Accepting fair, limited or average credit, the Capital One Platinum has no annual fee and gives you access to a higher credit limit after you make your first 5 payments on time.

Highlights

  • Pay by check, online or at a branch, no fee
  • Pick your monthly due date
  • No annual fee

Bank of America® Cash Rewards Credit Card

This card is right for the consumer who has a big road trip planned this summer, with its 3% cash back on gas. There's also 2% back on grocery stores and wholesale clubs – those 3 categories are for up to $2,500 a quarter combined. That means if you spend $500 a month on food and $300 a month on gas, you'll get $228 cash back your first year. It's 1% back on all other purchases.

This card also gets you a $150 cash bonus after a $500 spend within 90 days of card membership.

Highlights

  • No annual fee
  • Get 10%-75% customer bonus every time you redeem cash back into a Bank of America checking or savings account
  • No changing categories or expiration on rewards

Citi® Double Cash Card

This card is perfect for the consumer who wants to set it and forget it – no dealing with rotating categories or even tiered categories. With Citi Double Cash, you earn 1% back on every purchase, then another 1% when you pay, bringing the total in cash back to 2%. So, $1,000 spent a month comes to $240 back at the end of your first year.

Highlights

  • 0% APR on balance transfers for 18 months (then 15.24% - 25.24% variable)
  • No caps on cash back
  • No annual fee

Citi Simplicity® Card

This card is hard to beat when you have interest charges piling up or a big charge coming up. With the Citi Simplicity, you can get 18 months 0% APR on both balance transfers and purchases (then 15.74% - 25.74% variable). So, whether you already owe on a previous card or you have a car repair bill looming, you can save money with the Simplicity's introductory offer. There's also the promise of personal, live service and you can choose your due date.

Highlights

  • No annual fee
  • No late fees
  • No penalty rate

Capital One® QuicksilverOne® Cash Rewards Credit Card

Trying to build your credit but itching to jump into the rewards game? The QuicksilverOne Cash Rewards is an excellent choice. Not only are consumers with average, limited or fair credit accepted, but they get a competitive 1.5% cash back on purchases. You can also monitor your credit with the CreditWise app, which is available to everyone.

Highlights

  • Annual fee is only $39
  • No rotating categories
  • No limit on the amount of cash back you earn

Citi® Diamond Preferred® Card

This card's uber-generous 0% APR balance transfer offer of 21 months is unbeatable. That means you can pay down your balance well into 2020 without paying interest. There's also a 12-month 0% APR offer on purchases. Then a variable rate of 14.74% - 24.74% will apply on purchases and balance transfers, based on your creditworthiness.

Highlights

  • No annual fee
  • Free access of FICO score
  • Shop with an exclusive suite of protective products

Citi ThankYou® Preferred

If you're looking for dining rewards, but have a balance you need to pay off, this card is a good choice. There's 2X points on dining and entertainment, with 1X point on every other purchase. And the 0% APR for 15 months on purchases and balance transfers will help you save money on interest charges (then 15.24% - 25.24% variable). So, if you owe $3,000 on your balance and you pay it off within 15 months, you save more than $2,000 on interest compared to if you were paying 17% interest and making the minimum payment.

You also have access to Citi Private Pass, gaining you access to purchase tickets to music, sports and dining events. And remember that you have access to the Mastercard Priceless programs.

Highlights

  • Points are redeemable for gift cards to restaurants, department and home stores, and more
  • No annual fee
  • Transfer your qualifying and eligible ThankYou® Points to TrueBlue® points to earn JetBlue flights faster

MLB™ Cash Rewards Mastercard® from Bank of America

In addition to superior rewards and an excellent sign-up bonus, this card allows you to show your true colors by displaying on your card the logo and colors of your favorite of 30 teams.

There's also a $150 sign-up bonus after a $500 spend within 90 days of card membership, as well as 3% back on gas and 2% back on grocery stores and wholesale clubs, with a $2,500 quarterly limit for these 3 categories. It's 1% back on all other purchases.

Highlights

  • No annual fee
  • A wide selection of choices in how you redeem your rewards
  • 0% APR for 12 billing cycles with purchases and balance transfers (then 14.49% - 24.49% variable APR)

Citi/AAdvantage® Executive World Elite™ Mastercard®

This card's hefty annual fee can still be worth your while if you travel often. You earn 50,000 miles after a $5,000 spend within 3 months of card membership, then 10,000 AAdvantage Elite Qualifying Miles after you spend $40,000 within the year. You also get Admirals Club membership for you and your attending guests and 2X miles on American Airlines spending.

Highlights

  • $450 annual fee
  • First checked bag free on domestic flight for you and up to eight companions traveling with you on the same reservation
  • No foreign transaction fee

Mastercard® Gold Card™

The Luxury Card line has become a somewhat iconic member of the Mastercard family. The benefits of this card are truly centered around the luxury lifestyle; global luggage delivery, a 24/7 concierge service, and access to exclusive events. However, with exorbitant annual fees and middling rewards, prospective applicants should very carefully weigh whether the Gold Card is worth it.

Highlights

  • 24/7 Luxury Card Concierge™
  • Annual travel credit ($200) for qualifying airline purchases
  • $200 annual airline credit

What is Mastercard?

As a network, Mastercard doesn't issue cards directly – rather, it partners with massive banks such as Bank of America, as well as your local bank or credit union, which provide cards that carry the Mastercard logo. Then, Mastercard also partners with millions of merchants around the world, which accept cards with their logo while paying a processing fee. Products can be debit, prepaid, charge or credit cards.

Mastercard is one of the dominant card networks, which also include Visa, Discover and American Express. Accepted throughout the world, it is one of the go-to networks for worldwide travel.

There are a number of unique advantages to using a Mastercard, including worldwide acceptance. In fact, in recent years, Mastercard's international growth has been considerably greater than U.S. growth, with the debit and prepaid markets being particularly strong:

Mastercard purchase transaction growth in 2017...

  •  13.1%
  • Mastercard credit and charge, worldwide less U.S.
  •  5%
  • Mastercard credit and charge, U.S.
  •  11.1%
  • Mastercard credit and charge, worldwide
  •  22.7%
  • Mastercard debit and prepaid, worldwide less U.S.
  •  2.9%
  • Mastercard debit and prepaid, U.S.
  •  13.5
  • Mastercard debit and prepaid, worldwide
  • Mastercard Supplemental Operational Performance Data

Mastercard's unique programs

Mastercard offers unique programs and benefits such as the Priceless series, SecureCode, and Masterpass.

Priceless

With Priceless Cities and Surprises, you can get once-in-a-lifetime experiences from sporting events to dining experiences. Go on a safari in the Dubai desert. Or experience a surprise of a lifetime after using your Mastercard. The world is yours with a Mastercard.

SecureCode

Mastercard SecureCode is a private code for your Mastercard account that only you and your financial institution see. Merchants don't see it. You can use SecureCode in 122 countries at more than a million online merchants. It's easy to activate:

  1. Enter your card number. Click the SIGN UP button, find your bank's website and create your private code.
  2. Verify your identity. To enroll, you will be asked to confirm your identity by providing answers to security questions.
  3. Create your SecureCode. Once you have answered the security questions, you will be asked to create your secure code.
  4. Registration is complete. Once you have created your SecureCode, your enrollment is complete and you are ready to begin shopping online.

Masterpass

A digital wallet, Masterpass works online, in apps and in stores and on any device. You can store your cards and shipping information electronically, allowing you to shop from one account. You just register on masterpass.com or through your bank and load your Mastercard credit or debit card.

You can use Masterpass at thousands of online merchants and at more than a million store locations. You get multi-tiered security and Zero Liability protects you from unauthorized purchases.

World and World Elite categories

There are 2 exclusive categories with the Mastercard suite – the World and World Elite, each with excellent benefits when you use your Mastercard.

World

  • Free shipping with more than 140 online stores
  • Home sharing – choose from more than 10,000 rentals in cities worldwide
  • Priceless Cities
  • Identity theft
  • Room upgrades
  • Vacation packages
  • Airport concierge

World Elite

  • Free shipping
  • Home sharing
  • 24/7 concierge
  • Priceless Cities
  • Identity theft
  • Trip cancellation insurance
  • Room upgrades
  • Vacation packages
  • Airport concierge

Mastercard benefits for small businesses and merchants

Businesses

Mastercard's lineup for businesses ranges from employee spending controls to access to a portfolio of hotels and resorts. For example:

Hotels and resorts portfolio

Experience room upgrades, early check-in and late check-out, and daily breakfast for two. You also get savings and deals on air, hotel, rental car and more.

Employee spending controls

With Mastercard in Control for Business, you can delegate spending to employees safely and efficiently. With this program, you can create customized spending profiles that specifies how, when and where employees spend. You can also create limit-use cards that employees can use to make secure purchases online.

Business insights

Mastercard Advisors provides you with insights into consumer behavior. From access to early industry sales data to models that score likely consumer engagement, Mastercard offers a host of tools that can help you expand your business.

Smart Data

These tools help you with compliance, reporting and analysis. This online expense management system allows you to manage and control spending, generate spending reports and integrate purchase data into accounting software.

Priceless Cities

Use out-of-this-world experiences to impress clients. Take a cooking class at Miami's Wynwood Yard or take an insider's tour of New York's Theater District with a star actor – the possibilities are limitless.

Merchants

Mastercard helps you improve checkout processes and fight payment fraud with EMV chip technology. There's also the Sage Payment Systems, which allows small- and medium-sized businesses to offer Masterpass.