Citi Double Cash is the best cash back Mastercard on the market right now because it offers nearly twice as much earning power as the average cash rewards card, if you pay your bill in full every month, which is a good habit to get into anyway. It doesn’t charge an annual fee, either, and is available to people with good or excellent credit.
But Double Cash won’t be the best cash back Mastercard for everyone. A lot depends on your credit standing, what you plan to spend your money on, and how much you plan to spend. To help you find the right fit, WalletHub’s editors compared dozens of offers and identified the top Mastercard cash back credit cards for different types of applicants.
Here are the best cash back Mastercards:
|Best For…||Card Name||Annual Fee||Cash Back Rate||Min. Credit Required||Editor’s Rating|
|Overall||Citi® Double Cash Card – 18 month BT offer||$0*||1% on purchases + 1% on payments||Good||5.0 / 5|
|Initial Bonus||Barclaycard CashForward™ World Mastercard®||None||1.5% on all purchases (5% redemption bonus)||Excellent||4.3 / 5|
|Travel & Dining||SunTrust Travel Rewards Credit Card||$0 - $89||1% - 3%||Excellent||N/A|
|Limited Credit||Capital One® QuicksilverOne® Cash Rewards Credit Card||$39||1.5% on all purchases||Limited History||4.7 / 5|
|Bad Credit||SunTrust Secured Credit Card||$32||1% - 2%||Bad||N/A|
|Small Business||Business Advantage Cash Rewards Mastercard® credit card||None||1% - 3%||Excellent||N/A|
The question is: Are these the best overall cash rewards cards or just the top Mastercard offers? You can get the answer by checking out WalletHub’s picks for 2018’s best cash back credit cards, across all four major card networks.