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Best Mastercard Credit Cards

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by Sean Bryant | Updated Apr. 7, 2017
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Overview

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

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  • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • Balance Transfers do not earn cash back
  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% - 23.99% 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*

Annual Fee

$0

Purchase Intro APR

N/A

Balance Transfer Intro APR

0% APR for 18 Months

Regular APR

13.99% - 23.99% Variable

Best MasterCard Credit Card for Balance Transfers

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  • Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the APR will be 12.99%-22.99% based upon your creditworthiness.*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
  • 24/7 access to Citi® Concierge for help in booking hotels, flights and more.
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions.
  • No annual fee*
  • Free access to FICO® Scores*

Annual Fee

$0

Purchase Intro APR

0% APR for 21 Months

Balance Transfer Intro APR

0% APR for 21 Months

Regular APR

12.99% - 22.99% Variable

Best MasterCard Credit Card for Poor Credit

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  • No annual fee, and all the credit building benefits with responsible card use
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • You will get an initial $200 credit line after making a security deposit of $49, $99, or $200, determined based on your creditworthiness
  • Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
  • Easily manage your account 24/7 with online access, by phone, or using our mobile app
  • It's a credit card accepted at millions of locations worldwide

Annual Fee

$0

Purchase Intro APR

N/A

Balance Transfer Intro APR

N/A

Regular APR

24.99% Variable

Best MasterCard Credit Card for Travel

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  • Earn 30,000 American Airlines AAdvantage® bonus miles after spending $1,000 in purchases within the first 3 months of account opening
  • Earn 2 miles for every $1 spent on eligible American Airlines purchases
  • Earn 1 mile for every $1 spent on other purchases
  • Earn 10% of your redeemed Aadvantage® miles back
  • Save 25% on inflight purchases on American Airlines flights
  • Fly to select destinations on American Airlines operated flights for up to 7,500 fewer AAdvantage® miles with Reduced Mileage Awards

Annual Fee

$0 for the first year, then $95

Purchase Intro APR

N/A

Balance Transfer Intro APR

N/A

Regular APR

16.24% - 24.24% (Variable)

Our 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.

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