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.

Charity Charge World MasterCard® Credit Card

Charity Charge World MasterCard® Credit 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 Charity Charge's Secure Site

At A Glance

Intro Bonus
No current offer
Annual Fee
$0
Regular APR
11.24% - 21.24% variable

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Highlights

  • Donate your cash back to any nonprofit or religious organization of your choice.
  • Earn an unlimited 1% cash back that's automatically donated on your behalf through your everyday purchases.
  • No Annual Fee.
  • An easy way to make a difference (at no cost to you).
  • 100% Tax-Deductible.
  • Low APR between Prime + 6.99%-16.99% dependent on creditworthiness. Balance transfer fee of either $10 or 5% of the amount of each Balance Transfer, whichever is greater.
  • Receive all the benefits of a World MasterCard such as: extended warranty, MasterCard global service, concierge services, ID theft protection, price guarantee, and many more exclusive services.
  • Chip and Apple Pay enabled.

Rates & Fees

Annual Fee
$0
Intro Purchase APR
1.99% for 6 monthly billing cycles
Regular APR
11.24%-21.24% (Variable)
Intro Balance Transfers APR
1.99% for 6 monthly billing cycles

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BankAmericard® Credit Card

BankAmericard® Credit Card

13,255 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
No current offer
Annual Fee
$0
Regular APR
14.74% - 24.74% variable

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Highlights

  • 0% Introductory APR for 15 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
  • No annual fee
  • No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
  • Access your FICO® Score for free within Online Banking or your Mobile Banking app

Rates & Fees

Annual Fee
$0
Intro Purchase APR
0% Introductory APR on purchases for 15 billing cycles
Regular APR
14.74% - 24.74% Variable APR on purchases and balance transfers
Intro Balance Transfers APR
0% Intro APR for 15 billing cycles for balance transfers made in the first 60 days

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Mastercard® Titanium Card™

Mastercard® Titanium 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 Luxury Card's Secure Site

At A Glance

Intro Bonus
No current offer
Annual Fee
$195
Regular APR
16.74% variable

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Highlights

  • Brushed Stainless Steel - Patented Card Design
  • Luxury Card Rewards Program
  • 2% Value for Airfare Redemptions
  • 1% Value for Cash Back Redemptions
  • 24/7 Luxury Card Concierge™
  • Exclusive Luxury Card Travel Benefits
  • Members-Only LUXURY MAGAZINE
  • Annual Fee: $195 ($95 for each Authorized User)

Rates & Fees

Annual Fee
$195
Intro Purchase APR
N/A
Regular APR
16.74% 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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Mastercard® Black Card™

Mastercard® Black 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 Luxury Card's Secure Site

At A Glance

Intro Bonus
No current offer
Annual Fee
$495
Regular APR
16.74% variable

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Highlights

  • Stainless Steel - Patented Card Design
  • 2% Value for Airfare Redemptions
  • 1.5% Value for Cash Back Redemptions
  • 24/7 Luxury Card Concierge™
  • Exclusive Luxury Card Travel Benefits
  • $100 Annual Airline Credit Toward Qualifying Purchases
  • $100 Global Entry Application Fee Credit
  • Annual Fee: $495 ($195 for each Authorized User)

Rates & Fees

Annual Fee
$495
Intro Purchase APR
N/A
Regular APR
16.74% 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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Deserve® Pro Mastercard

Deserve® Pro Mastercard
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 Deserve's Secure Site

At A Glance

Intro Bonus
No current offer
Annual Fee
$0
Regular APR
17.49% - 24.49% variable

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Highlights

  • More cash back on the things you enjoy the most: 3% on travel/entertainment, 2% on restaurants & 1% on all other purchases
  • No annual fee
  • Credit limit up to $10,000
  • No foreign transaction fees
  • Use anywhere in the world where Mastercard is accepted
  • Includes Mastercard Platinum Benefits like Price Protection, Travel Assistance, ID Theft Protection, Car Collision Damage Waiver & Extended Warranty
  • Refer a Friend and get a $30 statement credit. Refer 10 friends and get a $200 bonus for a total of $500 in statement credits

Rates & Fees

Annual Fee
$0
Intro Purchase APR
N/A
Regular APR
17.49% - 24.49% Variable
Intro Balance Transfers APR
N/A

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Expedia®+ Voyager Card from Citi

Expedia®+ Voyager Card from Citi
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
25,000 points
?

Earn 25,000 Expedia+ bonus points after $2,000 in purchases within 3 months of account opening*

Annual Fee
$95*
Regular APR
15.74% - 23.74% variable

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Highlights

  • Earn 25,000 Expedia+ bonus points after $2,000 in purchases within 3 months of account opening*
  • Points redeemable for $350 towards your stay at a +VIP Access™ hotel
  • 4 Expedia+ bonus points per $1 spent on eligible Expedia purchases including flights, hotels, activities and travel packages*
  • 2 Expedia+ bonus points per $1 spent on dining out and entertainment*
  • 1 Expedia+ bonus point per $1 spent on other purchases*
  • Enjoy Expedia+ gold status each year of cardmembership*
  • $100 Annual Air Travel Fee Statement Credit can be used toward airline incidentals or for either the Global Entry or the TSA Pre √® application fees*

Rates & Fees

Annual Fee
$95*
Intro Purchase APR
N/A
Regular APR
15.74% - 23.74%* (Variable)
Intro Balance Transfers APR
N/A

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Barclaycard Arrival® Plus World Elite Mastercard®

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 Barclays's Secure Site

At A Glance

Intro Bonus
60,000 miles
?

Enjoy 60,000 bonus miles after spending $5,000 on purchases in the first 90 days and paying the annual fee

Annual Fee
$89
Regular APR
17.74% - 24.74% variable

See Rates & Fees

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Highlights

  • Enjoy 60,000 bonus miles after spending $5,000 on purchases in the first 90 days and paying the annual fee
  • Earn unlimited 2X miles on every purchase
  • Book travel your way—no airline, seat or hotel restrictions—and redeem your miles for travel statement credits
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • No foreign transaction fees
  • International Chip and PIN for use at self-service chip terminals around the world
  • Miles don't expire as long as your account is open, active and in good standing

Rates & Fees

Annual Fee
$89
Intro Purchase APR
N/A
Regular APR
17.74%, 21.74% or 24.74% variable based on your creditworthiness
Intro Balance Transfers APR
0% intro for first 12 billing cycles following each BT that posts within 45 days of account opening

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Expedia®+ Card from Citi

Expedia®+ Card from Citi
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
15,000 points
?

Earn 15,000 Expedia+ bonus points after $1,000 in purchases within 3 months of account opening*

Annual Fee
$0*
Regular APR
16.74% - 24.74% variable

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Highlights

  • Earn 15,000 Expedia+ bonus points after $1,000 in purchases within 3 months of account opening*
  • Points redeemable for $200 towards your stay at a +VIP Access™ hotel*
  • 3 Expedia+ bonus points per $1 spent on eligible Expedia purchases including flights, hotels, activities and travel packages*
  • 1 Expedia+ bonus point per $1 spent on other purchases*
  • Enjoy Expedia+ silver status each year of cardmembership
  • Earn one Elite Qualifying Hotel Night towards Expedia+ gold status for each increment of $2,500 in purchases made on the card between your January and December billing statements*

Rates & Fees

Annual Fee
$0*
Intro Purchase APR
N/A
Regular APR
16.74% - 24.74%* (Variable)
Intro Balance Transfers APR
N/A

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Milestone® Gold Mastercard®

Milestone® Gold Mastercard®
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 Genesis FS Card Services's Secure Site

At A Glance

Intro Bonus
No current offer
Annual Fee
$35-$99 (varies by credit level)
Regular APR
23.90%

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Highlights

  • Quick pre-qualification available with no impact to your credit score
  • Easy pre-qualification process with fast response
  • Choose your custom card design - Free
  • Free online account access
  • Protection from fraud, if your card happens to be lost or stolen
  • Accepted at over 35 Million Locations Worldwide!
  • Previous bankruptcy OK

Rates & Fees

Annual Fee
$35-$99 (varies by credit level)
Intro Purchase APR
N/A
Regular APR
23.90%
Intro Balance Transfers APR
N/A

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Indigo® Platinum Mastercard®

Indigo® Platinum Mastercard®
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 Genesis FS Card Services's Secure Site

At A Glance

Intro Bonus
No current offer
Annual Fee
$0 - $99
Regular APR
23.90% Fixed

Show Less

Highlights

  • Pre-qualification available with no impact to your credit score
  • Previous bankruptcy OK
  • Easy pre-qualification process with fast response
  • Free online account access (mobile friendly)
  • Protection from fraud, if your card happens to be lost or stolen
  • Accepted at over 35 Million Locations Worldwide!

Rates & Fees

Annual Fee
$0 - $99
Intro Purchase APR
N/A
Regular APR
23.90% Fixed
Intro Balance Transfers APR
N/A

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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 14.74% - 24.74% 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.