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 - No Late Fees Ever
The Citi Simplicity® Card - No Late Fees Ever is not geared toward rewards. Instead, it grants reprieve from interest rates. The Citi Simplicity® Card - No Late Fees Ever has 0% for 21 months on purchases and balance transfers, and then the ongoing APR of 13.24% - 23.24% Variable— one of the longest intro periods we’ve ever seen. There are two main situations in which the Citi Simplicity® Card - No Late Fees Ever would be a godsend. If you need to charge a large sum in the near future, the Citi Simplicity® Card - No Late Fees Ever 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 - No Late Fees Ever 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 - No Late Fees Ever, 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 - No Late Fees Ever. 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®
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 one of the best cards 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 24.99% Variable APR, 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.