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.

Capital One® Savor® Cash Rewards Credit Card

Capital One® Savor® Cash Rewards 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.
Apply Now at Capital One's Secure Site

At A Glance

Intro Bonus
$300
?

$300 after you spend $3000 on purchases within 3 months from account opening

Annual Fee
$95, waived first year
Regular APR
16.74% - 25.74% variable

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Highlights

  • Earn a one-time $300 cash bonus after you spend $3000 on purchases within the first 3 months from account opening
  • Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through May 2020.
  • Receive a monthly statement credit for a Postmates Unlimited monthly membership through Dec. 2019 with the Capital One Savor Card
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • No foreign transaction fees
  • Capital One cardholders get access to premium experiences in dining, entertainment and more
  • $0 intro annual fee for the first year, $95 after that

Rates & Fees

Annual Fee
$0 intro for first year; $95 after that
Intro Purchase APR
N/A
Regular APR
16.74% - 25.74% (Variable)
Intro Balance Transfers APR
N/A

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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.
Apply Now at Citi's Secure Site

At A Glance

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

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Highlights

  • Earn 2% cash back on purchases 1% when you buy and 1% as you make payments for those purchases
  • To earn cash back, pay at least the minimum due on time
  • 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.74% - 25.74% based on your creditworthiness.*
  • Balance Transfers do not earn cash back
  • 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
15.74% - 25.74%* (Variable)
Intro Balance Transfers APR
0% for 18 months on Balance Transfers*

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Capital One® Platinum Credit Card

Capital One® Platinum 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.
Apply Now at Capital One's Secure Site

At A Glance

Intro Bonus
No current offer
Annual Fee
$0
Regular APR
26.96% variable

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Highlights

  • Pay no annual fee
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
  • Get access to your account 24 hours a day, 7 days a week
  • Help strengthen your credit for the future with responsible card use

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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Citi Premier℠ Card

Citi Premier℠ 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.
Apply Now at Citi's Secure Site

At A Glance

Intro Bonus
50,000 points
?

Earn 50,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening

Annual Fee
$95, waived first year
Regular APR
16.74% - 25.74% variable

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Highlights

  • Earn 50,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
  • Earn 3 points per $1 spent on travel including gas stations
  • Earn 2 points per $1 spent at restaurants and on entertainment
  • Earn 1 point per $1 spent on all other purchases
  • 50,000 Points are redeemable for $625 in airfare on any airline, anytime with no blackout dates when booked through the ThankYou® Travel Center, or $500 in gift cards when redeemed at thankyou.com
  • No expiration and no limit to the amount of points you can earn with this card
  • Points Transfer allows you to transfer points to participating airline loyalty programs
  • No Foreign Transaction Fees on purchases

Rates & Fees

Annual Fee
$95, waived for first 12 months
Intro Purchase APR
N/A
Regular APR
16.74% - 25.74% (Variable)
Intro Balance Transfers APR
N/A

View All Card Details

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HSBC Gold 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.
Apply Now at HSBC's Secure Site

See Rates & Fees

At A Glance

Intro Bonus
No current offer
Annual Fee
$0
Regular APR
Variable APR of 14.24%, 20.24% or 25.24% will apply after the Introductory Period

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Highlights

  • 0% Intro APR on purchases and balance transfers for the first 15 months from account opening. Then a variable APR of 14.24%, 20.24% or 25.24% will apply.
  • No Penalty APR.
  • Late Fee Waiver.
  • No Foreign Transaction Fees.
  • $0 Annual Fee.
  • $0 liability for unauthorized purchases.
  • Terms Apply.
  • See Rates & Fees

Rates & Fees

Annual Fee
$0
Intro Purchase APR
0% Introductory APR on credit card purchases for the first 15 months from account opening
Regular APR
Variable APR of 14.24%, 20.24% or 25.24% will apply after the Introductory Period
Intro Balance Transfers APR
0% Introductory APR on balance transfers for the first 15 months from account opening

View All Card Details

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Citi Simplicity® Card - No Late Fees Ever

Citi Simplicity® Card - No Late Fees Ever
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.
Apply Now at Citi's Secure Site

At A Glance

Intro Bonus
No current offer
Annual Fee
$0
Regular APR
16.24% - 26.24% 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 for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 16.24% - 26.24%, 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 balances, are paid in full
  • 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%* 12 months on Purchases*
Regular APR
16.24% - 26.24%* (Variable)
Intro Balance Transfers APR
0%* 21 months on Balance Transfers*

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HSBC Cash Rewards 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.
Apply Now at HSBC's Secure Site

See Rates & Fees

At A Glance

Intro Bonus
3%
?

Earn an Introductory 3% Cash Back on all purchases in the first 12 months from Account opening, up to the first $10,000 in purchases

Annual Fee
$0
Regular APR
Variable APR of 15.24%, 19.24% or 25.24% will apply after the Introductory Period

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Highlights

  • Earn unlimited 1.5% cash rewards on all purchases.
  • Earn an Introductory 3% Cash Back on all purchases in the first 12 months from Account opening, up to the first $10,000 in purchases
  • 10% Anniversary Bonus on all Cash Rewards earned once a year.
  • No Annual Fee.
  • 0% Intro APR for 12 months on purchases and balance transfers, then a 15.24%, 19.24% or 25.24% variable APR.
  • No Foreign Transaction Fees.
  • $0 liability for unauthorized purchases.
  • Terms Apply.
  • See Rates & Fees

Rates & Fees

Annual Fee
$0
Intro Purchase APR
0% Introductory APR on credit card purchases for the first 12 months from account opening
Regular APR
Variable APR of 15.24%, 19.24% or 25.24% will apply after the Introductory Period
Intro Balance Transfers APR
0% Introductory APR on balance transfers for the first 12 months from account opening

View All Card Details

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Citi Rewards+℠ Card

Citi Rewards+℠ 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.
Apply Now at Citi's Secure Site

At A Glance

Intro Bonus
15,000 points
?

Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com

Annual Fee
$0
Regular APR
15.74% - 25.74% variable

Show Less

Highlights

  • Introducing the New Citi Rewards+℠ Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap
  • Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
  • 0% Intro APR on balance transfers and purchases for 12 months. After that, the variable APR will be 15.74% - 25.74%, based on your creditworthiness.
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on All Other Purchases.
  • Get 10% Points Back for the first 100,000 ThankYou® Points you redeem per year

Rates & Fees

Annual Fee
$0
Intro Purchase APR
0% intro for 12 months on Purchases
Regular APR
15.74% - 25.74% (Variable)
Intro Balance Transfers APR
0% intro for 12 months on Balance Transfers

View All Card Details

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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.
Apply Now at Capital One's Secure Site

At A Glance

Intro Bonus
No current offer
Annual Fee
$39
Regular APR
26.96% variable

Show Less

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
26.96% (Variable)
Intro Balance Transfers APR
N/A

View All Card Details

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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 credit cards. 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 FY 2018...

  • 12.2%
  • Mastercard credit and charge, less U.S.
  • 8.5%
  • Mastercard credit and charge, U.S.
  • 11.1%
  • Mastercard credit and charge, worldwide
  • 20.3%
  • Mastercard debit and prepaid, less U.S.
  • 10.8%
  • Mastercard debit and prepaid, U.S.
  • 17.1%
  • 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 $200 cash bonus after a $1,000 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 one of the best available offers right now, with a $300 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

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 15 months; then 14.24%, 20.24%, or 25.24% 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. In lieu of a traditional sign-up bonus, the HSBC Cash Rewards credit card offers an introductory 3% cash back on all purchases for the first year, on up to $10,000 in purchases.

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

BankAmericard® credit card

The BankAmericard credit card is a simple credit card that is competitive when it comes to 0% APR offers. For the first 18 billing cycles, the BankAmericard offers 0% intro APR for purchases as well as balance transfers made in your first 60 days. After that, the regular interest rate comes in at a relatively low 15.24% - 25.24% variable APR. There's no annual fee, no penalty APR, and convenient access to your FICO credit score.

Highlights

  • No annual fee
  • Free access to FICO score via online banking and mobile app
  • Great offer on balance transfers

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
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
BankAmericard® credit cardFree FICO Score access$03.9 / 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.