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Showing 243 Cards
Date Reviewed: September 17, 2020
Emirates Skywards Premium World Elite Mastercard®
- Regular Purchase APR 15.99%, 19.99% or 24.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 15.99%, 19.99% or 24.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 25.24% variable based on the Prime Rate
- Annual Fee $499
- Credit Needed Excellent , Good
- Processing Network Mastercard
- Earn up to 3 Skywards Miles per dollar spent
- Earn unlimited Skywards Miles that don't expire
- Enjoy Emirates Skywards Gold tier membership during your first year
- No foreign transaction fees
- Complimentary lounge access to Emirates Business Class lounges worldwide for a cardmember and a guest
- Earn 50% bonus Skywards Miles on Emirates flights
- Regular Purchase APR: 15.99%, 19.99% or 24.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 15.99%, 19.99% or 24.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each balance transfer, whichever is greater
- Cash Advance APR: 25.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Annual Fee: $499
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
Date Reviewed: September 17, 2020
Emirates Skywards Rewards World Elite Mastercard®
- Regular Purchase APR 15.99%, 19.99%, or 24.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 15.99%, 19.99%, or 24.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 25.24% variable based on the Prime Rate
- Annual Fee $99
- Credit Needed Excellent , Good
- Processing Network Mastercard
- Earn up to 3 Skywards Miles per dollar spent
- Earn unlimited Skywards Miles that don't expire
- Unlimited access to over 1,200 lounges worldwide for you and a guest with Priority Pass Select
- No foreign transaction fees
- Earn 25% bonus Skywards Miles on Emirates flights
- Regular Purchase APR: 15.99%, 19.99%, or 24.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 15.99%, 19.99%, or 24.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each balance transfer, whichever is greater
- Cash Advance APR: 25.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Annual Fee: $99
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
Date Reviewed: September 02, 2020
Chase Freedom Flex World Elite Mastercard
- Regular Purchase APR 14.99% to 23.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 14.99% to 23.74% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 24.99% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Intro Purchase APR 0% for 15 months from account opening date
- Processing Network Mastercard
- Earn 5% cash back on travel purchased through Chase Ultimate Rewards
- Also earn 5% back on up to $1,500 in combined purchases in bonus categories each quarter
- Earn 3% back on dining at restaurants (including takeout and delivery services) and drugstore purchases
- Earn unlimited 1% back on all other purchases
- No annual fee
- Get 5% cash back on Lyft rides through March 2022
- Get a complimentary 3 months of DashPass from DoorDash
- Intro Purchase APR: 0% for 15 months from account opening date
- Regular Purchase APR: 14.99% to 23.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 14.99% to 23.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 24.99% 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
Date Reviewed: August 26, 2020
MINI World Mastercard
- Regular Purchase APR 15.24% to 24.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 15.24% to 24.24% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 24.99% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Intro Purchase APR 0% for 12 months from account opening date
- Processing Network Mastercard
- Earn up to 4X points per $1 on eligible purchases
- 0% introductory APR on purchases and balance transfers for 12 months
- No annual fee
- Get 25% more value on your rewards when you redeem points for a MINI Rewards Card
- Redeem points for travel, merchandise, cash back, or a loan/lease payment
- Intro Purchase APR: 0% for 12 months from account opening date
- Regular Purchase APR: 15.24% to 24.24% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months on transfers made within 30 days from account opening date
- Balance Transfer APR: 15.24% to 24.24% 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: 24.99% 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: Up to 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $35
Date Reviewed: August 26, 2020
BMW Motorrad World Mastercard
- Regular Purchase APR 15.24% to 24.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 15.24% to 24.24% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 24.99% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Intro Purchase APR 0% for 12 months from account opening date
- Processing Network Mastercard
- Earn up to 4X points per $1 on eligible purchases
- 0% intro APR on purchases and balance transfers for 12 months
- No annual fee
- Get 25% more from your rewards when you redeem points for a BMW Rewards Card
- Redeem rewards for travel, merchandise, cash back, or a monthly bike payment
- Intro Purchase APR: 0% for 12 months from account opening date
- Regular Purchase APR: 15.24% to 24.24% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months on transfers made within 30 days from account opening date
- Balance Transfer APR: 15.24% to 24.24% 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: 24.99% 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: Up to 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $35
Date Reviewed: August 26, 2020
BMW Precision Card
- Regular Purchase APR 15.24% to 24.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 15.24% to 24.24% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 24.99% variable based on the Prime Rate
- Annual Fee $99
- Credit Needed Excellent , Good
- Processing Network Mastercard
- Earn up to 5X points per $1 on purchases
- Get an annual $70 dealership credit
- Get up to $1,000 in annual coverage for damage or theft of your cell phone
- Free ShopRunner membership
- No foreign transaction fees
- Regular Purchase APR: 15.24% to 24.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 15.24% to 24.24% 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: 24.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Annual Fee: $99
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $35
Date Reviewed: July 20, 2020
Destiny™ Mastercard®
- Regular Purchase APR 24.9%
- Cash Advance APR 29.9%
- Annual Fee Up to $99
- Credit Needed Fair , Poor
- Processing Network Mastercard
- Accepted nationwide, wherever Mastercard is accepted
- Simple and fast application process
- Less than perfect credit is okay
- An opportunity to build and access credit
- Regular Purchase APR: 24.9%
- Cash Advance APR: 29.9%
- Cash Advance Transaction Fee: $0 during the first year. After that, either $5 or 5% of the amount of each cash advance, whichever is greater (max $100)
- Penalty APR: 29.9%
- Annual Fee: Up to $99
- Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- Over Limit Penalty Fee: Up to $40
Date Reviewed: June 22, 2020
Surge Mastercard® Credit Card
- Regular Purchase APR See Terms*
- Cash Advance APR See Terms*
- Annual Fee See Terms*
- Credit Needed Fair , Poor
- Processing Network Mastercard
- See if you’re Pre-Qualified with no impact to your credit score
- Free access to your Vantage 3.0 score from TransUnion* (When you sign up for e-statements)
- Monthly reporting to the three major credit bureaus
- Fast and easy application process; results in seconds
- Use your card at locations everywhere Mastercard® is accepted
- Regular Purchase APR: See Terms*
- Cash Advance APR: See Terms*
- Cash Advance Transaction Fee: See Terms*
- Annual Fee: See Terms*
- Foreign Transaction Fee: See Terms*
- Late Payment Penalty Fee: See Terms*
- Return Payment Penalty Fee: See Terms*
Date Reviewed: June 18, 2020
Assent Platinum 0% Intro Rate Mastercard® Secured Credit Card
- Regular Purchase APR 12.99% variable based on the Prime Rate
- Cash Advance APR 18.99% variable based on the Prime Rate
- Annual Fee $49
- Credit Needed Poor , No Credit Required
- Intro Purchase APR 0% for 6 months from account opening date
- Processing Network Mastercard
- Full-Feature Platinum Mastercard* Secured Credit Card
- Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
- Good for Car Rental, Hotels: Anywhere Credit Cards Are Accepted!
- 24/7 Online Access to Your Account
- Credit Line Secured by Your Fully-Refundable Deposit of $200 – $2,000 Submitted with Application
- Intro Purchase APR: 0% for 6 months from account opening date
- Regular Purchase APR: 12.99% variable based on the Prime Rate
- Cash Advance APR: 18.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
- Annual Fee: $49
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $29
- Minimum Deposit Required: $200
Date Reviewed: April 14, 2020
First Digital NextGen Mastercard® Credit Card
- Regular Purchase APR See terms*
- Cash Advance APR See terms*
- Annual Fee See terms*
- Credit Needed Fair
- Processing Network Mastercard
- Build up your Credit with a card that reports to all three major credit bureaus every month
- Perfect credit not required for approval; we may approve you when others won’t
- Easy and secure online application – it just takes moments to apply
- You may be eligible for a Credit Line Increase after six months
- Regular Purchase APR: See terms*
- Cash Advance APR: See terms*
- Cash Advance Transaction Fee: See Terms*
- Annual Fee: See terms*
- Foreign Transaction Fee: See Terms*
- Late Payment Penalty Fee: See Terms*
- Return Payment Penalty Fee: See Terms*
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.
- Onefinestay: Enjoy 10% savings on over 1,000 rental properties worldwide.
- 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.
- 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.
- Onefinestay Discounts
- 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:
- Bank fo the West – including the Business Mastercard, Cash Back, Platinum Mastercard, and Secured Card.
- BMO Harris – including the Business Platinum Rewards, Cash Back, Platinum, and Platinum Rewards Cards.
- Bethpage Federal Credit Union – including the Cash Back Card and Low Rate Mastercard.
- Citizens Bank – including the Cash Back Plus, Clear Value Mastercard, Everyday Points Business Card
- First Tech Federal Credit Union – Including the Blazers Rewards Mastercard, the Platinum Rewards Card, and the Platinum Secured.
- Quorum Credit Union -including the Cash Back and World Mastercards.
- SunTrust Bank – including the Secured, Business, and Non-Profit Business Cards.
- University Credit Union – including the Traditional and Rewards Mastercards.
What Are the Best Mastercard Credit Cards for 2020?
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 2020, as chosen by the BestCards team:
- Mastercard® Black Card™ – Best Luxury Rewards Card
- Milestone® Gold Mastercard® – Best Card for Rebuilding Credit
- First Progress Platinum Prestige Mastercard® – Best Secured Card
- Priority Destinations® World Elite Business Mastercard – Best Business Travel Card
- ABOC Platinum Rewards Mastercard® – Best Rewards Card
- AAdvantage® Aviator® Red World Elite Mastercard® – Best Airline Credit Card
