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Looking for the best MasterCard credit cards? Accepted in over 210 countries and territories worldwide, MasterCard is always a good decision. It may not quite have the reach of VISA, but it’s darn close and still offers some great financial products. There are loads of MasterCards out there, and choosing the right one can be difficult. To help start you on pinpointing the card of your dreams, we’ve assembled a list of the best MasterCard credit cards available today.
Keep in mind, many of these cards are also offered as a VISA. When you apply for your card, make sure the form has an option to choose your preferred payment system. If not, you may want to contact customer service directly to ensure you get the right one.
Best for Balance Transfers and Debt Relief: Citi Simplicity® Card
The Citi Simplicity® Card is not geared toward rewards. Instead, it grants reprieve from interest rates. The Citi Simplicity® Card has 0% for 21 months on purchases and balance transfers, and then the ongoing APR of 12.99% - 22.99% Variable — one of the longest intro periods we’ve ever seen. There are two main situations in which the Citi Simplicity® Card would be a godsend. If you need to charge a large sum in the near future, the Citi Simplicity® Card will give you a plenty of time to pay it off without incurring a penny in interest. Or, if you already have a chunk of debt you’re trying to pay off, you can transfer your balance to the Citi Simplicity® Card and put a freeze on interest rates. Remember, you will have to pay a balance transfer fee when dumping debts onto the Citi Simplicity® Card, but this is often far less expensive than continuing to accrue interest. The fee is 3%, which is a considerable improvement over the standard 5%. If you need to take a vacation from interest, check out the Citi Simplicity® Card. Again, you’ll have to ask Citi to issue you a MasterCard instead of a Visa.
Best Rewards Credit Card: Barclaycard Arrival Plus™ World Elite MasterCard®
The Barclaycard Arrival Plus™ World Elite MasterCard® is one of the best rewards cards in the business. You’ll earn 2 miles on every dollar spent. Plus, when you redeem for travel credit, 5% of the redeemed miles are credited back to your account. Moreover, it comes with a great bonus: Earn 40,000 bonus miles when you spend $3,000 or more on purchases in the first 90 days from account opening. It’s annual fee is $89 - Waived first year, and it has no foreign transaction fee. With a rewards rate of 2%, the Barclaycard Arrival Plus™ World Elite MasterCard® is pretty much the best card out there for international travel and everyday value alike.
Best card for Students: Upromise World MasterCard®
The Upromise World MasterCard® isn’t just for current or aspiring students – it’s ideal for anyone who wants a great cash back program without the hassle of annual fees. It earns 5% cash back through the extensive Upromise mall (this is on top of the 5% bonus you get normally, so you can get 10% back on Gap, Sephora, and hundreds more). On top of that, you get:
- 2% on eligible in-store department store and movie theater purchases
- 1% on all other purchases
- Earn a $50 cash back bonus after first purchase in the first 90 days of account opening
You’ll also get a $0 annual fee and 0% on balance transfers for 15 months, made within the first 45 days of account opening, and then the ongoing APR of 13.99%, 19.99% or 22.99% Variable. Perhaps the best part is how you redeem your cash back: you can get a straight-up check, or you can contribute your rewards to a 529 college savings plan or Sallie Mae high-yield savings account, or pay down a Sallie Mae-serviced student loan. It’s not just for college kids: Anyone can benefit from easy cash and up to 10% back.
Best for Bad Credit: Capital One® Secured MasterCard®
If your credit score leaves something to be desired, the Capital One® Secured MasterCard® provides a helping hand. It is the best card for low credit we’ve yet to discover. For starters, the annual fee is $0. The security deposit — which all secured credit cards require — will be either $49, $99 or $200, depending on your credit score. Regardless of the minimum, you’ll start with a $200 credit limit. You can deposit more money to raise your limit (up to $3,000), and the money is refunded when you eventually qualify for a better card and close your account. The ongoing APR is 24.9% (Variable), which might seem a little steep, but that’s actually pretty darn reasonable for a credit card for bad credit. We recommend this card to anyone who can’t qualify for an unsecured option. Take some time to demonstrate responsible spending with the Capital One® Secured MasterCard® and it can help you become eligible for a better credit card down the road.