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.

Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®

Citi® / AAdvantage® Platinum Select® 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 Citi's Secure Site

At A Glance

Annual Fee
$99, waived first year
Balance Transfer Intro APR
N/A
Regular APR
18.24% - 26.24% variable

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Highlights

  • Earn 50,000 American Airlines AAdvantage® bonus miles after $2,500 in purchases within the first 3 months of account opening*
  • Earn 2 AAdvantage® miles for every $1 spent at gas stations*
  • Earn 2 AAdvantage® miles for every $1 spent at restaurants*
  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases*
  • Earn a $100 American Airlines Flight Discount after you spend $20,000 or more in purchases during your cardmembership year and renew your card*
  • No Foreign Transaction Fees*
  • First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation*
  • Enjoy preferred boarding on American Airlines flights*
  • Receive 25% savings on inflight food and beverage purchases when you use your card on American Airlines flights*

Rates & Fees

Annual Fee
$99, waived for first 12 months*
Intro Purchase APR
N/A
Regular APR
18.24% - 26.24%* (Variable)
Intro Balance Transfers APR
N/A

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Citi® / AAdvantage® Executive World Elite™ Mastercard®

Citi® / AAdvantage® Executive World Elite™ Mastercard®
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

Annual Fee
$450
Balance Transfer Intro APR
N/A
Regular APR
17.99% - 25.99% 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 access for guests traveling 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 8 companions traveling with you on the same reservation*

Rates & Fees

Annual Fee
$450
Intro Purchase APR
N/A
Regular APR
17.99% - 25.99%* (Variable)
Intro Balance Transfers APR
N/A

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BankAmericard® credit card

BankAmericard® credit card

11,674 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

Annual Fee
$0
Balance Transfer Intro APR
0% Intro APR for 18 billing cycles for balance transfers made in the first 60 days
Regular APR
15.24% - 25.24% Variable APR on purchases and balance transfers

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Highlights

  • New Offer: 0% Introductory APR for 18 billing cycles for purchases and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.24% - 25.24% Variable APR will apply. A 3% fee (min $10) applies to all 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 18 billing cycles
Regular APR
15.24% - 25.24% Variable APR on purchases and balance transfers
Intro Balance Transfers APR
0% Intro APR for 18 billing cycles for balance transfers made in the first 60 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

Annual Fee
$0
Balance Transfer Intro APR
N/A
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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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

Annual Fee
$89, waived first year
Balance Transfer Intro APR
0% intro for first 12 billing cycles following each BT that posts within 45 days of account opening
Regular APR
18.24% - 25.24% variable

See Rates & Fees

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Highlights

  • Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days
  • 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 (waived first year)
Intro Purchase APR
N/A
Regular APR
18.24%, 22.24% or 25.24% 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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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

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

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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% (Fixed)
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

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

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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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Journey® Student Rewards from Capital One®

Journey® Student Rewards from Capital One®

8,017 Reviews

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

Annual Fee
$0
Balance Transfer Intro APR
N/A
Regular APR
26.96% variable

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Highlights

  • Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
  • Enjoy no annual fee and no foreign transaction fees
  • Get a head start and build your credit with responsible use
  • 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
  • Pick the monthly due date that works best for you
  • Get customized alerts and manage your account with the Capital One mobile app

Rates & Fees

Annual Fee
$0
Intro Purchase APR
N/A
Regular APR
26.96% (Variable)
Intro Balance Transfers APR
N/A

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ABOC Platinum Rewards Mastercard®

ABOC Platinum Rewards 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 Amalgamated Bank of Chicago's Secure Site

At A Glance

Annual Fee
$0
Balance Transfer Intro APR
0% for 12 months
Regular APR
15.15% - 25.15% variable

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Highlights

  • 0% Intro APR on Purchases and Balance Transfers for 12 months; after that the variable APR will be 15.15% - 25.15%, based on your creditworthiness
  • Earn $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening
  • Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive
  • No upper limit on the points you can accumulate, and since points never expire, you can save up for a big award!
  • Earn Points on Every Purchase! It’s simple: $1 = 1 Point
  • No Annual Fee
  • Select Your Rewards Your Way

Rates & Fees

Annual Fee
$0
Intro Purchase APR
0% for 12 months
Regular APR
15.15% - 25.15% Variable APR on purchases and balance transfers
Intro Balance Transfers APR
0% for 12 months

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IHG® Rewards Club Premier Credit Card

IHG® Rewards Club Premier 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 Chase's Secure Site

At A Glance

Annual Fee
$89
Balance Transfer Intro APR
N/A
Regular APR
18.24% - 25.24% variable

Show Less

Highlights

  • Earn 80,000 bonus points after spending $2,000 on purchases within the first three months of account opening
  • Enjoy a Free Night after each account anniversary year at eligible IHG hotels worldwide. Plus, enjoy a free reward night when you redeem points for any stay of 4 or more nights
  • Earn 10 points per $1 spent when you stay at an IHG hotel
  • Earn 2 points per $1 spent on purchases at gas stations, grocery stores, and restaurants. Earn 1 point per $1 spent on all other purchases
  • Platinum Elite status as long as you remain a Premier card member
  • Global Entry or TSA Pre✓® Fee Credit of up to $100 every 4 years as reimbursement for the application fee charged to your card
  • IHG Rewards Club Bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®

Rates & Fees

Annual Fee
$89
Intro Purchase APR
N/A
Regular APR
18.24% - 25.24% Variable
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:

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 Q3 2018 YTD...

  •  12%
  • Mastercard credit and charge, less U.S.
  •  8.1%
  • Mastercard credit and charge, U.S.
  •  10.9%
  • Mastercard credit and charge, worldwide
  •  20.3%
  • Mastercard debit and prepaid, less U.S.
  •  10.8%
  • Mastercard debit and prepaid, U.S.
  •  17%
  • Mastercard debit and prepaid, worldwide

Source: Mastercard Supplemental Operational Performance Data

Best Mastercard credit cards of 2019

Editor's take on the best Mastercards

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 your category of choice, with gas and travel among the available choices. There's also 2% back on grocery stores and wholesale clubs – those 3 categories earn these cash back rates for up to $2,500 a quarter in combined purchases. 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
  • Choice of 3% cash back category
  • No expiration on rewards

Capital One® Savor® Cash Rewards Credit Card

The Savor is a no-brainer if you spend a decent amount on food, with 4% cash back on dining and entertainment. On top of that, you have 2% cash back at grocery stores and no foreign transaction fee, making it suitable for a wide variety of uses. The sign-up bonus is easily one of the best available offers right now, with a $500 cash bonus for spending $3,000 in your first 3 months.

Highlights

  • $95 annual fee is waived for your first year
  • Cash back of 4% on dining and entertainment, 2% at grocery stores, 1% on all other purchases
  • Able to redeem any amount of cash back at any time

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 15.74% - 25.74% variable)
  • No caps on cash back
  • No annual fee

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

Citi PremierSM Card

Just as the Chase Sapphire Preferred Card is the posterchild of travel rewards among Visa cards, the Citi Premier is the king of travel among Mastercards. In fact, you could make a strong argument that it is an even more attractive offer than the CSP, as it features higher rewards for travel purchases.

Highlights

  • 50,000 point sign-up bonus (redeemable for $625 in airfare) after spending $4,000 in the first 3 months
  • 3X points on travel purchases, including at gas stations
  • $95 annual fee is waived for the first year

HSBC Gold Mastercard® credit card

Another solid offer from HSBC, the Gold Mastercard is designed for balance transfers and big-ticket purchases. Simply put, if you are looking for a credit card with low regular APR in addition to a nice long intro 0% APR offer, this is your best bet.

Highlights

  • 0% APR on purchase and balance transfers for 18 months; then 13.24%, 17.24%, or 21.24% variable APR
  • No penalty APR
  • No annual fee and no foreign transaction fee

Citi Simplicity® Card

This card is hard to beat when you have interest charges piling up. With the Citi Simplicity, you can get 21 months of 0% APR on balance transfers and 12 months of 0% APR on purchases (then 16.24% - 26.24% 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

HSBC Cash Rewards Mastercard® credit card

The HSBC Cash Rewards card is interesting in that it offers a 10% anniversary bonus on the cash back you earn, thus setting itself apart from other 1.5% cash back cards. The sign-up bonus unfortunately requires much greater effort than what you would expect: $150 for making $2,500 of purchases in your first 3 months.

Highlights

  • No annual fee and no foreign transaction fee
  • Unlimited 1.5% back in cash rewards on every purchase
  • 10% anniversary bonus once a year

Citi Rewards+SM Card

This card's 15,000-point sign-up bonus rivals that of the Chase Freedom cards – earn 15,000 bonus points after a $1,000 spend within the first 3 months of card membership, worth $150 when redeemed. Also, earn 2X points at supermarkets and gas stations for the first $6,000 spend each year. It's 1X point after that and on other purchases.

Highlights

  • No annual fee
  • Get 10% points back for the first 100,000 ThankYou points you redeem each year; card rounds up to the nearest 10 points on every purchase
  • 0% APR on purchases and balance transfers for 12 months, then a variable 15.74%-25.74% after that

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

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.

Recap: Best Mastercard credit cards of 2019

Credit CardBest For:Annual FeeReview Score
Bank of America® Cash Rewards credit cardGas purchases$03.4 / 5
Capital One® Savor® Cash Rewards Credit CardDining and entertainment$0 first year, $95 thereafter4.8 / 5
Citi® Double Cash Card2% cash back$04.1 / 5
Capital One® Platinum Credit CardBuilding credit$03.7 / 5
Citi PremierSM CardTravel rewards$0 first year, $95 thereafter3.5 / 5
HSBC Gold Mastercard® credit cardLow interest rates$03.5 / 5
Citi Simplicity® CardBalance transfers$03.7 / 5
HSBC Cash Rewards Mastercard® credit cardAnniversary bonus$03.7 / 5
Citi Rewards+SM CardEveryday use$03.0 / 5
Capital One® QuicksilverOne® Cash Rewards Credit CardUnlimited cash back$394.1 / 5

Laura is an editor and writer at CreditCards.com. She has written extensively on all things credit cards and works to bring you the most up-to-date analysis and advice. Laura's work has been cited in such publications as the New York Times and Associated Press. You can reach her by e-mail at laura.mohammad@creditcards.com and on Twitter @creditcards_lm.