Browse the Best Mastercard Credit Cards

Compare different types of Mastercard credit cards. Mastercard is known worldwide, as thousands of financial institutions around the globe issue credit cards under its brand. Accepted in more than 210 countries and 150 currencies, it is the second largest credit card processing network in the world, behind Visa. View BestCards’ selection of Mastercard credit cards below.

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Showing 269 Cards

Date Reviewed: April 27, 2021

Petco Pay Mastercard

Petco Pay Mastercard
  • Regular Purchase APR 17.49% or 26.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 26.99% variable based on the Prime Rate
  • Cash Advance APR 27.49% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good , Fair
  • Processing Network Mastercard
Best Benefits
  • 8% Back in Pals Rewards at participating Petco locations and Petco.com
  • 2% back in Pals Rewards at grocery stores
  • $25 Pals Reward when you spend $500 outside of Petco in the first 90 days
  • No annual fee
Rates & Fees
  • Regular Purchase APR: 17.49% or 26.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 26.99% variable based on the Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 5% of the transfer, whichever is greater
  • Cash Advance APR: 27.49% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the transaction, whichever is greater
  • Foreign Transaction Fee: 3% of the transaction in US dollars
Credit Card Deals
  • Save 5% - Offer Expires on December 31, 2030 - See Details
  • Save 5% - Offer Expires on December 31, 2030 - See Details
  • Receive up to 50% off hotels in addition to a 1% rebate - Offer Expires on December 31, 2030 - See Details
  • Save 15% - Offer Expires on December 31, 2030 - See Details
  • Save 1% - Offer Expires on December 31, 2030 - See Details
  • Save 5% - Offer Expires on December 31, 2030 - See Details
  • Enjoy 5% rebate on all online bookings, global pass memberships and all premium subscription - Offer Expires on December 31, 2030 - See Details
  • Save 10% - Offer Expires on December 31, 2030 - See Details
  • Save up to 20% - Offer Expires on December 31, 2030 - See Details
  • Save $500.00 - Offer Expires on December 31, 2030 - See Details
  • View All Deals -

Date Reviewed: April 20, 2021

Surge Secured Mastercard®

Surge Secured Mastercard®
  • Regular Purchase APR 19.99% variable based on the Prime Rate
  • Cash Advance APR 19.99% variable based on the Prime Rate
  • Annual Fee $69
  • Credit Needed Poor , No Credit Required
  • Processing Network Mastercard
Best Benefits
  • Earn 1% cash back rewards on every purchase
  • Free access to your Vantage 3.0 score from TransUnion
  • Monthly reporting to the three major credit bureaus
  • $0 fraud liability
Rates & Fees
  • Regular Purchase APR: 19.99% variable based on the Prime Rate
  • Cash Advance APR: 19.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $5.00 or 5% of the amount of each cash advance, whichever is greater
  • Penalty APR: See Terms
  • Annual Fee: $69
  • Foreign Transaction Fee: 3% of each transaction in U.S. dollars
  • Late Payment Penalty Fee: See Terms
  • Return Payment Penalty Fee: See Terms
  • Over Limit Penalty Fee: See Terms
  • Minimum Deposit Required: $300
Credit Card Deals
  • Save 5% - Offer Expires on December 31, 2030 - See Details
  • Save 5% - Offer Expires on December 31, 2030 - See Details
  • Receive up to 50% off hotels in addition to a 1% rebate - Offer Expires on December 31, 2030 - See Details
  • Save 15% - Offer Expires on December 31, 2030 - See Details
  • Save 1% - Offer Expires on December 31, 2030 - See Details
  • Save 5% - Offer Expires on December 31, 2030 - See Details
  • Enjoy 5% rebate on all online bookings, global pass memberships and all premium subscription - Offer Expires on December 31, 2030 - See Details
  • Save 10% - Offer Expires on December 31, 2030 - See Details
  • Save up to 20% - Offer Expires on December 31, 2030 - See Details
  • Save $500.00 - Offer Expires on December 31, 2030 - See Details
  • View All Deals -

Date Reviewed: April 26, 2021

Cleveland Cavaliers Credit Card

Cleveland Cavaliers Credit Card
  • Regular Purchase APR 13.99% to 25.99% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Mastercard
Best Benefits
  • No annual fee
  • No foreign transaction fees
  • Earn 5X points on Cavs season tickets and streaming services
  • 10% cash back at the Cavs team shop
Rates & Fees
  • Regular Purchase APR: 13.99% to 25.99% variable based on creditworthiness and the Prime Rate
  • Penalty APR: 29.99%
Credit Card Deals
  • Save 5% - Offer Expires on December 31, 2030 - See Details
  • Save 5% - Offer Expires on December 31, 2030 - See Details
  • Receive up to 50% off hotels in addition to a 1% rebate - Offer Expires on December 31, 2030 - See Details
  • Save 15% - Offer Expires on December 31, 2030 - See Details
  • Save 1% - Offer Expires on December 31, 2030 - See Details
  • Save 5% - Offer Expires on December 31, 2030 - See Details
  • Enjoy 5% rebate on all online bookings, global pass memberships and all premium subscription - Offer Expires on December 31, 2030 - See Details
  • Save 10% - Offer Expires on December 31, 2030 - See Details
  • Save up to 20% - Offer Expires on December 31, 2030 - See Details
  • Save $500.00 - Offer Expires on December 31, 2030 - See Details
  • View All Deals -

Date Reviewed: April 26, 2021

Manchester United Credit Card

Manchester United Credit Card
  • Regular Purchase APR 13.99% to 25.99% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Mastercard
Best Benefits
  • No annual fee
  • No foreign transaction fees
  • Earn 5X points at bard and restaurants on official matchdays
  • 10% cash back on official Manchester United merchandise purchases
Rates & Fees
  • Regular Purchase APR: 13.99% to 25.99% variable based on creditworthiness and the Prime Rate
  • Penalty APR: 29.99%
Credit Card Deals
  • Save 5% - Offer Expires on December 31, 2030 - See Details
  • Save 5% - Offer Expires on December 31, 2030 - See Details
  • Receive up to 50% off hotels in addition to a 1% rebate - Offer Expires on December 31, 2030 - See Details
  • Save 15% - Offer Expires on December 31, 2030 - See Details
  • Save 1% - Offer Expires on December 31, 2030 - See Details
  • Save 5% - Offer Expires on December 31, 2030 - See Details
  • Enjoy 5% rebate on all online bookings, global pass memberships and all premium subscription - Offer Expires on December 31, 2030 - See Details
  • Save 10% - Offer Expires on December 31, 2030 - See Details
  • Save up to 20% - Offer Expires on December 31, 2030 - See Details
  • Save $500.00 - Offer Expires on December 31, 2030 - See Details
  • View All Deals -

Date Reviewed: May 06, 2021

AARP® Essential Rewards Mastercard® from Barclays

AARP® Essential Rewards Mastercard® from Barclays
  • Regular Purchase APR 16.74%, 20.74% or 25.74% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 16.74%, 20.74% or 25.74% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 26.24% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent
  • Processing Network Mastercard
Best Benefits
  • No annual fee
  • 0% APR for 15 months on balance transfers
  • Earn 3% back on gas station and drug store purchases
  • Earn 2% back on medical expenses
Rates & Fees
  • Regular Purchase APR: 16.74%, 20.74% or 25.74% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 15 months from account opening date
  • Balance Transfer APR: 16.74%, 20.74% or 25.74% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 26.24% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $39
  • Return Payment Penalty Fee: Up to $39
Credit Card Deals
  • Save 5% - Offer Expires on December 31, 2030 - See Details
  • Save 5% - Offer Expires on December 31, 2030 - See Details
  • Receive up to 50% off hotels in addition to a 1% rebate - Offer Expires on December 31, 2030 - See Details
  • Save 15% - Offer Expires on December 31, 2030 - See Details
  • Save 1% - Offer Expires on December 31, 2030 - See Details
  • Save 5% - Offer Expires on December 31, 2030 - See Details
  • Enjoy 5% rebate on all online bookings, global pass memberships and all premium subscription - Offer Expires on December 31, 2030 - See Details
  • Save 10% - Offer Expires on December 31, 2030 - See Details
  • Save up to 20% - Offer Expires on December 31, 2030 - See Details
  • Save $500.00 - Offer Expires on December 31, 2030 - See Details
  • View All Deals -

Date Reviewed: May 06, 2021

AARP® Travel Rewards Mastercard® from Barclays

AARP® Travel Rewards Mastercard® from Barclays
  • Regular Purchase APR 16.74%, 20.74% or 25.74% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 16.74%, 20.74% or 25.74% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 26.24% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent
  • Processing Network Mastercard
Best Benefits
  • No annual fee
  • No foreign transaction fees
  • Earn 3% cash back on travel purchases and 2% back on restaurant purchases
  • 0% introductory APR on balance transfers for 15 months from account opening date
Rates & Fees
  • Regular Purchase APR: 16.74%, 20.74% or 25.74% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 15 months from account opening date
  • Balance Transfer APR: 16.74%, 20.74% or 25.74% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 26.24% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Late Payment Penalty Fee: Up to $39
  • Return Payment Penalty Fee: Up to $39
Credit Card Deals
  • Save 5% - Offer Expires on December 31, 2030 - See Details
  • Save 5% - Offer Expires on December 31, 2030 - See Details
  • Receive up to 50% off hotels in addition to a 1% rebate - Offer Expires on December 31, 2030 - See Details
  • Save 15% - Offer Expires on December 31, 2030 - See Details
  • Save 1% - Offer Expires on December 31, 2030 - See Details
  • Save 5% - Offer Expires on December 31, 2030 - See Details
  • Enjoy 5% rebate on all online bookings, global pass memberships and all premium subscription - Offer Expires on December 31, 2030 - See Details
  • Save 10% - Offer Expires on December 31, 2030 - See Details
  • Save up to 20% - Offer Expires on December 31, 2030 - See Details
  • Save $500.00 - Offer Expires on December 31, 2030 - See Details
  • View All Deals -

Date Reviewed: March 19, 2021

Icelandair Premium Mastercard®

Icelandair Premium Mastercard®
  • Regular Purchase APR 17.99% variable based on the Prime Rate
  • Balance Transfer APR 17.99% variable based on the Prime Rate
  • Cash Advance APR 25.24% variable based on the Prime Rate
  • Annual Fee $39
  • Credit Needed Excellent , Good
  • Processing Network Mastercard
Best Benefits
  • No foreign transaction fees
  • Earn 2X points on Icelandair purchases
  • Earn 1 point per dollar spent on all other purchases
Rates & Fees
  • Regular Purchase APR: 17.99% variable based on the Prime Rate
  • Balance Transfer APR: 17.99% variable based on the Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 25.24% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $15 or 5% of the amount of each cash advance, whichever is greater
  • Annual Fee: $39
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $35
Credit Card Deals
  • Save 5% - Offer Expires on December 31, 2030 - See Details
  • Save 5% - Offer Expires on December 31, 2030 - See Details
  • Receive up to 50% off hotels in addition to a 1% rebate - Offer Expires on December 31, 2030 - See Details
  • Save 15% - Offer Expires on December 31, 2030 - See Details
  • Save 1% - Offer Expires on December 31, 2030 - See Details
  • Save 5% - Offer Expires on December 31, 2030 - See Details
  • Enjoy 5% rebate on all online bookings, global pass memberships and all premium subscription - Offer Expires on December 31, 2030 - See Details
  • Save 10% - Offer Expires on December 31, 2030 - See Details
  • Save up to 20% - Offer Expires on December 31, 2030 - See Details
  • Save $500.00 - Offer Expires on December 31, 2030 - See Details
  • View All Deals -

Date Reviewed: March 04, 2021

Icelandair Mastercard®

Icelandair Mastercard®
  • Regular Purchase APR 17.99% variable based on the Prime Rate
  • Balance Transfer APR 17.99% variable based on the Prime Rate
  • Cash Advance APR 25.24% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Mastercard
Best Benefits
  • No annual fee
  • No foreign transaction fees
  • Earn 1 point per dollar spent on Icelandair purchases
  • Earn 0.5 points per dollar spent on all other pucrhases
Rates & Fees
  • Regular Purchase APR: 17.99% variable based on the Prime Rate
  • Balance Transfer APR: 17.99% variable based on the Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 25.24% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $15 or 5% of the amount of each cash advance, whichever is greater
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $35
Credit Card Deals
  • Save 5% - Offer Expires on December 31, 2030 - See Details
  • Save 5% - Offer Expires on December 31, 2030 - See Details
  • Receive up to 50% off hotels in addition to a 1% rebate - Offer Expires on December 31, 2030 - See Details
  • Save 15% - Offer Expires on December 31, 2030 - See Details
  • Save 1% - Offer Expires on December 31, 2030 - See Details
  • Save 5% - Offer Expires on December 31, 2030 - See Details
  • Enjoy 5% rebate on all online bookings, global pass memberships and all premium subscription - Offer Expires on December 31, 2030 - See Details
  • Save 10% - Offer Expires on December 31, 2030 - See Details
  • Save up to 20% - Offer Expires on December 31, 2030 - See Details
  • Save $500.00 - Offer Expires on December 31, 2030 - See Details
  • View All Deals -

Date Reviewed: February 25, 2021

Free Spirit® Points Mastercard®

Free Spirit® Points Mastercard®
  • Regular Purchase APR 26.99% to 29.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 26.99% to 29.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 27.99% to 31.99% variable based on creditworthiness and the Prime Rate
  • Annual Fee $0 or $75
  • Credit Needed Good , Fair
  • Processing Network Mastercard
Best Benefits
  • No annual fee
  • No foreign transaction fees
  • 2X points on Spirit purchases
  • 1X points on all other purchases
  • Points never expire
Rates & Fees
  • Regular Purchase APR: 26.99% to 29.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 26.99% to 29.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 4% of the amount of each Balance Transfer, whichever is greater
  • Cash Advance APR: 27.99% to 31.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each Cash Advance, whichever is greater
  • Annual Fee: $0 or $75
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40
Credit Card Deals
  • Save 5% - Offer Expires on December 31, 2030 - See Details
  • Save 5% - Offer Expires on December 31, 2030 - See Details
  • Receive up to 50% off hotels in addition to a 1% rebate - Offer Expires on December 31, 2030 - See Details
  • Save 15% - Offer Expires on December 31, 2030 - See Details
  • Save 1% - Offer Expires on December 31, 2030 - See Details
  • Save 5% - Offer Expires on December 31, 2030 - See Details
  • Enjoy 5% rebate on all online bookings, global pass memberships and all premium subscription - Offer Expires on December 31, 2030 - See Details
  • Save 10% - Offer Expires on December 31, 2030 - See Details
  • Save up to 20% - Offer Expires on December 31, 2030 - See Details
  • Save $500.00 - Offer Expires on December 31, 2030 - See Details
  • View All Deals -

Date Reviewed: April 13, 2021

Deserve® EDU

Deserve® EDU
  • Regular Purchase APR 18.74% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Mastercard
Best Benefits
  • Receive one year of Amazon Prime Student on Deserve after spending $500 in the first three billing cycles with your EDU card (Lifetime Value of $59)
  • Earn 1% Cash Back on all purchases with your Deserve EDU Mastercard. Once approved, you'll automatically start earning cash back on all purchases
  • Feel secure with cell phone protection up to $600
  • No international transaction fees on purchases abroad so you can travel with confidence
  • No Social Security Number required for international students to apply
Rates & Fees
  • Regular Purchase APR: 18.74% variable based on the Prime Rate
  • Late Payment Penalty Fee: Up to $25
  • Return Payment Penalty Fee: Up to $37
Credit Card Deals
  • Save 5% - Offer Expires on December 31, 2030 - See Details
  • Save 5% - Offer Expires on December 31, 2030 - See Details
  • Receive up to 50% off hotels in addition to a 1% rebate - Offer Expires on December 31, 2030 - See Details
  • Save 15% - Offer Expires on December 31, 2030 - See Details
  • Save 1% - Offer Expires on December 31, 2030 - See Details
  • Save 5% - Offer Expires on December 31, 2030 - See Details
  • Enjoy 5% rebate on all online bookings, global pass memberships and all premium subscription - Offer Expires on December 31, 2030 - See Details
  • Save 10% - Offer Expires on December 31, 2030 - See Details
  • Save up to 20% - Offer Expires on December 31, 2030 - See Details
  • Save $500.00 - Offer Expires on December 31, 2030 - See Details
  • View All Deals -
 

What Is Mastercard?

Mastercard is the world’s second-largest payment network, behind only Visa. Over 230 million credit cards, debit cards, and prepaid cards bear the Mastercard logo worldwide.

Mastercard is a global financial corporation with its main headquarters in O’Fallon, Missouri. The company, like Visa and American Express, helps banks and lenders conduct electronic funds transfers – the process by which card payments are made.

Like Visa, Mastercard does not issue credit cards itself. The company partners with thousands of banks, lenders, and other financial institutions to provide diverse payment solutions for customers worldwide.

Where Is Mastercard Accepted?

While the Mastercard payment network is smaller than the Visa network, Mastercard products are accepted in more countries than Visa. Where the Visa logo can be seen in 200 countries, Mastercard is currently accepted in 212 countries worldwide. This impressive coverage means both Visa and Mastercard have nearly identical global footprints. This means no matter where you go you’ll likely see the Mastercard logo.

Types of Mastercard Credit Cards

There are few distinct tiers of Mastercard, all of which offer benefits, perks, and security protection for cardholders. These tiers are:

  • Mastercard
  • World Mastercard
  • World Elite Mastercard

Mastercard

The standard Mastercard product is the basic level of protection and features. These cards offer basic protections and benefits that most cardholders have come to expect from Mastercard, and usually do not have an annual fee – except for some secured cards.

Basic Mastercard Features

All Mastercard’s feature the following protections and security features:

  • Zero Fraud Liability: Cardholders pay nothing if their card is subject to unauthorized use or theft.
  • Mastercard Global Service: Emergency assistance nearly anywhere in the world, 24/7. Services include lost card reporting and replacement, emergency cash disbursement, and more.
  • ID Theft Protection: Complimentary credit report monitoring that alerts cardholders to any changes or fraud concerns.

World Mastercard

World Mastercard is the next tier, offering enhanced benefits and security. Cards with the World name often include travel rewards points, and additional perks – and may charge an annual fee.

World Mastercard Benefits and Features

World Mastercard’s feature the following benefits:

  • ShopRunner: Free membership providing 2-day shipping with over 120 leading online retailers.
  • World VIP Concierge: 24/7 concierge service for airports, travel, and any other concerns.
  • Mastercard Luxury Hotel Collection: Complimentary upgrades, late checkout, and more at over 2,000 properties worldwide.
  • Cell Phone Protection: $1,000 in coverage per year ($600 per claim) if your phone is lost, stolen, or broken. Cardholders must pay their phone bill with an eligible card. Terms and conditions apply.
  • DoorDash: Existing DashPass members – Automatic $5 discount on their first 2 DashPass orders each month; New DashPass members – free 3-month DashPass membership.
  • Hello Fresh: 5% back on all HelloFresh purchases (excluding taxes, discounts, delivery fees, and credits) made with World Mastercard to be used on future purchases.
  • Lyft: $5 in Lyft credit for every 3 rides taken in a calendar month with World Mastercard that will automatically be applied to the next ride, capped at once per month (details apply)
  • ID Theft Protection
  • Zero Fraud Liability
  • Global Emergency Services

World Elite MasterCard

World Elite is the ultimate in credit card perks and protections. These credit cards are the most prestigious of travel cards, offering luxury, statement credits, and hefty annual fees to match. These cards are the best of a bank’s credit card lineup.

World Elite Mastercard Features

World Elite products feature the highest tier of protection and benefits for cardholders. These benefits include:

  • Lyft: Take five rides in a month and get a $10 Lyft credit. This is a recurring benefit and can be earned multiple times.
  • Boxed: Earn a 5% cashback reward on all Boxed orders. Boxed offers to ship for bulk orders worldwide.
  • Fandango: $5 off future movie tickets or at-home purchases for every two movie tickets purchased.
  • Free ShopRunner Membership
  • Mastercard Luxury Hotel Collection
  • World Elite Concierge
  • Cell Phone Protection
  • ID Theft Protection
  • Zero Fraud Liability
  • Global Emergency Services

Many World Elite Mastercard credit cards come with additional issuer perks, such as lounge access, statement credits for travel incidentals or Global Entry application fees, and more.

Priceless Cities

All Mastercard credit cards feature access to the unique Mastercard Priceless program. This program allows members to purchase once-in-a-lifetime experiences, such as one-on-one experiences with sporting heroes, wine tours, and more.

Business Cards

Business cards from Mastercard come with many of the same features personal credit cards, but with additional tools to help businesses thrive and grow. These tools include payment management by combining statements, extra employee cards, and business monitoring tools. These protections allow companies to keep control of their finances, while the travel benefits of World and World Elite cards lets employees travel in comfort.

Issuers Who Only Offer Mastercard

Some issuers provide a variety of payment network options for customers. others, however, specialize in just one network. Some of the credit card issuers who offer only Mastercard cards include:

What Are the Best Mastercard Credit Cards for 2021?

Because there are so many different types of Mastercard in circulation, finding your ideal card can be tough. Here are some of the top Mastercard offers for 2021, as chosen by the BestCards team: