Loading
Tap on the profile icon to edit
your financial details.
We maintain strict editorial integrity in our writing and assessments. This post contains links from our advertisers, and we may receive compensation when you click these links. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone and have not been provided, reviewed or otherwise endorsed by our advertising partners. Please visit our Advertiser Disclosure for more information and to view our partners.

Best Mastercard Credit Cards

Your Details Done
by Sean Bryant | Updated Sep. 9, 2019

Overview of the Best Mastercard Credit Cards

Anyone looking to add a MasterCard to their wallet has plenty of cards to choose from. As one of the largest payment networks, there is a card available for everyone. You will have your choice of rewards cards, student cards, business cards, and card that have a primary focus of building healthy credit habits. To help make your decision process a little easier, we have gone through and broken down each card and figured out the best MasterCards for cash back, travel, balance transfers and for those with poor credit. See More



Best MasterCard Credit Card for Cash Back

More Details

  • Receive 2% cash back on all purchases. This breaks down to earning 1% when you buy and another 1% as you make payments for your purchases
  • To be eligible to earn cash back you must pay the minimum due on your account, without paying late
  • Low 0% Intro APR for the first 18 months on Balance Transfers. Afterward, the ongoing variable APR will be 15.99% - 25.99% based on your creditworthiness
  • Certain transactions do not earn cash back i.e. balance transfers, cash advances, items returned for credit, lottery tickets, and more
  • Standard APR when taking part in the Citi Flex Plan is a variable 15.99% - 25.99% depending on creditworthiness

Annual Fee

$0

Purchase Intro APR

N/A

Balance Transfer Intro APR

0% for 18 Months (for balance transfers completed within first 4 months)

Regular APR

15.99% - 25.99% Variable

Benefits

If you are looking to get a new Mastercard credit card that will help you earn cash back rewards, check out Citi Double Cash Card. This card will reward you twice. To start you will receive 1% cash back on every purchase that you make. Then when you pay off the purchase you will receive another 1%.

In addition to being a great cash back card, Citi Double Cash Card also has one of the industry's longest introductory 0% APR on balance transfers. If you need to move an existing balance from a high interest card in the first 4 months, you will receive 0% APR for a full 18 months. Once the introductory period is complete, the APR will switch to 15.99% - 25.99% Variable.

Things to Consider

Citi Double Cash Card has one of the highest cash back rates available. Unfortunately it does not include a sign-up bonus. Plus, you will not have the chance to earn extra cash back on bonus categories.

Verdict

If you are looking for a cash back card from Mastercard®, then you can’t go wrong with Citi Double Cash Card. Not only does it have a simple, easy-to-understand cash back system, but it also has no annual fee.

Compare Similar Cash Back Offers

Best MasterCard Credit Card for Poor Credit

More Details

  • With responsible card use, this card can help you build credit – all with no annual fee
  • Unlike prepaid or debit cards, this card regularly reports to the 3 major credit bureaus which helps build credit when used responsibly
  • Your security deposit of $49, $99, or $200 is determined based on your creditworthiness which will give you an initial credit line of $200
  • After you make your first 5 monthly payments on time, you can gain access to a higher credit line with no additional deposit
  • Manage your account 24 hours a day from anywhere – by phone, online or on the Capital One mobile app
  • The Capital One Secured Mastercard is accepted at millions of locations around the world

Annual Fee

$0

Purchase Intro APR

N/A

Balance Transfer Intro APR

N/A

Regular APR

26.99% Variable

Benefits

If you are looking to rebuild your credit, then a great card to have is Capital One Secured Mastercard. Most secured cards will require cardholders to put a deposit down on their account. This will act as their credit limit. With Capital One Secured Mastercard, things are a little different.

With this card you will have a more flexible option. Depending on your creditworthiness, you can put down $49, $99 or $200 and receive a $200 credit limit. Once you’ve made your first five monthly payments ontime, Capital One can elect to increase your credit limit without requiring an additional deposit.

This card will also come with several Platinum MasterCard benefits. Some of these include extended warranty on purchases, car rental insurance, travel accident insurance and price protection.

Things to Consider

Capital One Secured Mastercard comes with no annual fee, but it does have a very high APR of 26.99% Variable. Because of this, it’s crucial that you do your best to pay your balance each month and avoid any unnecessary finance charges.

Verdict

If you are looking for a credit card that will help you rebuild credit, Capital One Secured Mastercard is a great option. You will receive a flexible deposit based on your credit score, but you will also have the chance to have your credit limit increased with good payment habits.

Compare Similar Poor Credit Offers

Best MasterCard Credit Card for Travel

More Details

  • If you spend $2,500 on purchases in the first 3 months of card membership you will earn 50,000 bonus miles
  • Earn 2 miles for every dollar you spend at gas stations
  • Earn 2 miles for every dollar you spend at restaurants
  • Earn 2 miles per dollar for every dollar you spend on eligible purchases with American Airlines
  • If you spend $20,000 or more in purchases in the first year and renew your card, you will earn a $125 American Airlines Discount
  • No foreign transaction fees on purchases overseas
  • Check the first bag free for you and up to 4 companions traveling on the same reservation on domestic American Airlines itineraries
  • As a cardholder, enjoy preferred boarding on American Airlines flights
  • When you use your card on American Airlines flights, you will receive 25% off in-flight food and beverage purchases

Annual Fee

$99, waived for the first 12 months

Purchase Intro APR

N/A

Balance Transfer Intro APR

N/A

Regular APR

17.99% - 25.99% Variable

Benefits

If you are looking for a new travel credit card, look no further than Citi AAdvantage Platinum Select World Elite Mastercard. This card is perfect for travel lovers that enjoy flying American Airlines or their partners.

When you sign up, you will receive 50,000 American Airlines AAdvantage® miles after spending $2,500 in the first 3 months. You will also receive 2x miles per dollar at gas stations, restaurants, and when you use your card on eligible American Airlines purchases. Use the card on any other purchase and you will receive 1x miles.

You will receive your first checked bag for free and group one boarding.

Things to Consider

Citi AAdvantage Platinum Select World Elite Mastercard has an annual fee of $99, but it’s waived the first year. Because American Airlines is part of the OneWorld alliance, you are limited on how you can redeem your miles. You can’t use them on airlines that are part of the Star Alliance or SkyTeam partners.

Verdict

If you are a frequent traveler on American Airlines, then Citi AAdvantage Platinum Select World Elite Mastercard is a great card to have in your wallet. You will receive a high signup bonus, the ability to earn bonus miles on American Airlines flights and great flight benefits.

Compare Similar Travel Offers

Methodology SmartAsset has developed a quantitative and independent system for evaluating the relative value of a credit card offer versus other offers in the marketplace. Our system evaluates cards based exclusively on their features, such as their rewards earning rate (if applicable), fees, perks, and rewards program redemption options. The annual rewards values on this page are calculated using annual spending assumptions in various categories such as, but not limited to, gas, restaurants, airfare, and US supermarkets. These spending assumptions are built on research that SmartAsset has conducted on existing cash back credit cardholders. Our promise with our credit card recommendations is that we will always strive to have the most comprehensive, accurate, and objective method of evaluating credit card offers. Any recommendations are solely determined by the result of this research and model, and is never influenced by any fees, commissions, or other forms of compensation that SmartAsset may receive from credit card issuers for leads generated on our website.

How helpful was this page in answering your question?
not helpful
very helpful
​If you could change one thing about ​this page what would it be?​
Thank you for your answer! Your feedback is very important to us.
We are working hard to improve our product and could use your help!
We pay $30 for 30 minutes on the phone to hear your thoughts on what we can do better.
Please enter your email if you'd like to be contacted to help.

Please enter your name