Mastercard is the most widely accepted credit card network worldwide, and you can find a Mastercard that fits your needs regardless of your credit score. Below, you can see how WalletHub's editors have rated the latest Mastercard credit cards, as well view thousands of reviews from other cardholders.
Remember that Mastercard is a credit card network rather than an issuer, so all Mastercard credit cards are issued by various banks and credit unions. Some of the best offers have $0 annual fees, big rewards bonuses and great introductory financing. For help narrowing down your choices, check out our article on how to pick a credit card. Regardless of what Mastercard credit card you get, you will have $0 liability for fraudulent transactions, and you might even get supplemental benefits like travel insurance or purchase protection.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.4
User Reviews
3.6
Market Comparison
4.3
fees: 5.0
rewards: 5.0
cost: 4.4
APR: 3.8
Purchase Intro APR→0% for 15 months
Transfer Intro APR→0% for 15 months|Transfer Fee:3% for the first 15 months, 4% at a promo APR that Capital One may offer you at any other time
Regular APR→18.49% - 28.49% (V)
Purchase Intro APR
0% for 15 months
Transfer Intro APR
0% for 15 months|Transfer Fee:3% for the first 15 months, 4% at a promo APR that Capital One may offer you at any other time
Regular APR
18.49% - 28.49% (V)
annual fee
$0
rewards rate
1.5 - 5% Cash Back
Bonus Offer
$200
Bonus Offer
$200
minimum credit
Good
WalletHub's Take: The Capital One Quicksilver Card is a very good credit card for people with good credit who want to earn straightforward cash-back rewards without paying an annual fee. Cardholders earn 1.5% cash back on purchases, and you can earn a great initial bonus on top of that, so the Quicksilver Card is worth considering. In fact, it’s one of our favorite everyday rewards cards right now.
Pros
Earn a $200 initial bonus
1.5% cash back on all purchases
No annual fee
0% intro APR for 15 months on purchases and balance transfers (balance transfer fees apply)
Cons
Potential for a very high interest rate - 18.49% - 28.49% (V)
Balance transfer fee
Available to applicants with good/excellent credit
Rewards Details
Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
Earn unlimited 1.5% cash back on every purchase, every day
Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
Additional Info
$0 annual fee and no foreign transaction fees
0% intro APR on purchases and balance transfers for 15 months; 18.49% - 28.49% variable APR after that; balance transfer fee applies
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.4
User Reviews
3.5
Market Comparison
4.3
fees: 5.0
rewards: 5.0
cost: 4.3
APR: 3.8
Purchase Intro APR→0% for 15 months
Transfer Intro APR→0% for 15 months|Transfer Fee:3% for the first 15 months, 4% at a promo APR that Capital One may offer you at any other time
Regular APR→18.49% - 28.49% (V)
Purchase Intro APR
0% for 15 months
Transfer Intro APR
0% for 15 months|Transfer Fee:3% for the first 15 months, 4% at a promo APR that Capital One may offer you at any other time
Regular APR
18.49% - 28.49% (V)
annual fee
$0
rewards rate
1.25 - 5 miles / $1
Bonus Offer
20,000 miles
Bonus Offer
20,000 miles
minimum credit
Good
WalletHub's Take: The Capital One VentureOne Rewards Credit Card is a good travel rewards credit card that’s worth considering if you don’t want to pay an annual fee or commit to a certain airline or hotel chain. It has a $0 annual fee, a $0 foreign transaction fee, and solid rewards redeemable for any travel-related expense.
Pros
Earn a 20,000 miles initial bonus
Unlimited 1.25 miles per $1 on every purchase
Miles are redeemable for any travel-related expense on your bill
No annual fee
Cons
Balance transfer fee
Potential for a very high regular APR
Rewards Details
Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
Earn unlimited 1.25X miles on every purchase, every day
Miles won't expire for the life of the account and there's no limit to how many you can earn
Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
Transfer your miles to your choice of 15+ travel loyalty programs
Additional Info
$0 annual fee and no foreign transaction fees
Enjoy 0% intro APR on purchases and balance transfers for 15 months; 18.49% - 28.49% variable APR after that; balance transfer fee applies
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
3.0
Market Comparison
2.8
fees: 1.3
rewards: 3.9
cost: 2.7
Other Features: 0.0
Purchase Intro APR→Not Offered
Transfer Intro APR→Not Offered
Regular APR→20.49% - 28.49% (V)
Purchase Intro APR
Not Offered
Transfer Intro APR
Not Offered
Regular APR
20.49% - 28.49% (V)
annual fee
$595
rewards rate
1.5 - 12 points / $1
Bonus Offer
100,000 points
Bonus Offer
100,000 points
minimum credit
Good
WalletHub's Take: The Citi Strata Elite℠ Card is a good credit card for big-spenders with good or excellent credit who like to travel and don’t mind booking accommodations through Citi Travel. It’s worth the $595 annual fee if you earn the card’s 100,000-point initial bonus, use its $300 annual hotel credit, and pay your bill in full every month. Citi Strata Elite has good rewards, but the ongoing earning rates are no match for the card’s high APR.
Pros
High rewards rate
100,000 points initial rewards bonus
No foreign fee
Cons
High membership fees
No intro APR on purchases
No intro APR on balance transfers
Requires good/excellent credit
Rewards Details
For a limited time, earn 100,000 bonus Points after spending $6,000 in the first 3 months of account opening.
Earn 12 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on cititravel.com and 6 Points per $1 spent on Air Travel booked on cititravel.com
Earn 6 Points per $1 spent at Restaurants including Restaurant Delivery Services on CitiNights℠ purchases, every Friday and Saturday from 6 PM to 6 AM ET. Earn 3 Points per $1 spent any other time
Earn 1.5 Points per $1 spent on All Other Purchases
Up to $300 Annual Hotel Benefit: Each calendar year, enjoy up to $300 off a hotel stay of two nights or more when booked through cititravel.com.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.8
User Reviews
3.6
Market Comparison
4.2
fees: 5.0
rewards: 3.9
cost: 4.5
Other Features: 0.0
Purchase Intro APR→0% for 12 months
Transfer Intro APR→0% for 12 months|Transfer Fee:3% for the first 12 months, 4% at a promo APR that Capital One may offer you at any other time
Regular APR→18.49% - 28.49% (V)
Purchase Intro APR
0% for 12 months
Transfer Intro APR
0% for 12 months|Transfer Fee:3% for the first 12 months, 4% at a promo APR that Capital One may offer you at any other time
Regular APR
18.49% - 28.49% (V)
annual fee
$0
rewards rate
1 - 8% Cash Back
Bonus Offer
$200
Bonus Offer
$200
minimum credit
Good
WalletHub's Take: The Capital One Savor Card is a good credit card that’s worth it for foodies and entertainment lovers who want to earn bonus rewards without paying an annual fee. You can get 3% cash back on entertainment, popular streaming services and dining, which covers everything from fast food to restaurants with Michelin stars.
Pros
Earn a $200 initial bonus
High rewards rate
$0 annual fee
Cons
High regular APR - 18.49% - 28.49% (V)
Balance transfer fee
Available to people with good/excellent credit
Rewards Details
Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
Earn 8% cash back on Capital One Entertainment purchases
Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
Additional Info
$0 annual fee and no foreign transaction fees
0% intro APR on purchases and balance transfers for 12 months; 18.49% - 28.49% variable APR after that; balance transfer fee applies
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
5.0
User Reviews
3.8
Market Comparison
4.4
fees: 2.9
rewards: 4.8
cost: 5.0
Other Features: 0.0
Purchase Intro APR→Not Offered
Transfer Intro APR→Not Offered
Regular APR→19.49% - 28.49% (V)
Purchase Intro APR
Not Offered
Transfer Intro APR
Not Offered
Regular APR
19.49% - 28.49% (V)
annual fee
$95
rewards rate
2 - 5 miles / $1
Bonus Offer
75,000 miles
Bonus Offer
75,000 miles
minimum credit
Good
WalletHub's Take: The Capital One Venture Card is a very good travel rewards credit card for people with a good credit score who don't want to be tied down to a single travel provider. With an initial bonus worth $1,000 in travel, double miles on all purchases and a reasonable annual fee, it’s clear why the Venture Card is so popular.
Pros
Great initial bonus offer
Unlimited 2 miles per $1 on every purchase
Redeem for any-travel related expense
$0 foreign transaction fee
Cons
Annual fee
Not built for financing
Rewards Details
LIMITED-TIME OFFER: Enjoy $250 to use on Capital One Travel in your first cardholder year, plus earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening - that’s equal to $1,000 in travel
Earn unlimited 2X miles on every purchase, every day
Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
Miles won't expire for the life of the account and there's no limit to how many you can earn
Receive up to a $120 credit for Global Entry or TSA PreCheck®
Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
Transfer your miles to your choice of 15+ travel loyalty programs
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Rebuild Damaged Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
2.0
User Reviews
3.4
Market Comparison
1.6
fees: 1.5
rewards: 0.0
cost: 0.6
Other Features: 5.0
One-Time Fees→$0
Regular APR→35.9%
One-Time Fees
$0
Regular APR
35.9%
annual fee
$175 1st yr, $49 after
monthly fee
$0 1st yr, $12.50 per month after
minimum credit
Bad
WalletHub's Take: The Indigo Credit Card is an expensive credit card for people with bad credit, offering a $700+ credit limit with no security deposit needed. The Indigo Card has an annual fee of $175 for the first year ($49 after), which is joined by a monthly fee after 12 months.
Pros
Qualify with bad credit
Does not require security deposit
Cons
High membership fees
High regular APR
Foreign fee
Additional Info
Get the credit limit you deserve—$700 guaranteed if approved
Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
Get the credit you deserve, even with less-than-perfect history.
Trusted by more than a million customers with reporting to all three major credit bureaus so you get credit for all of your hard work.
Zero Fraud Liability - Peace of mind that comes with having a Mastercard.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Lower Cost of Existing Debt." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
3.6
User Reviews
3.6
Market Comparison
4.1
fees: 5.0
cost: 3.3
APR: 5.0
Purchase Intro APR→0% for 12 months
Transfer Intro APR→0% for 21 months|Transfer Fee:5% (min $5)
Regular APR→16.49% - 27.24% (V)
Purchase Intro APR
0% for 12 months
Transfer Intro APR
0% for 21 months|Transfer Fee:5% (min $5)
Regular APR
16.49% - 27.24% (V)
annual fee
$0
rewards rate
None
minimum credit
Good
WalletHub's Take: The Citi Diamond Preferred card is a very good credit card that’s worth it for people with good credit who want to avoid interest charges on balance transfers or purchases. Citi Diamond Preferred offers introductory interest rates of 0% for 21 months on balance transfers and 0% for 12 months on purchases. The card also has a $0 annual fee and a balance transfer fee of 5% (min $5).
Pros
0% intro APR for 12 months on purchases
0% intro APR for 21 months on balance transfers
$0 annual fee
Cons
5% (min $5) balance transfer fee
Foreign transaction fee
High regular APR
No rewards
Additional Info
0% Intro APR on balance transfers for 21 months and on purchases for 12 months from date of account opening. After that the variable APR will be 16.49% - 27.24%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
Get free access to your FICO® Score online.
With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
No Annual Fee - our low intro rates and all the benefits don’t come with a yearly charge.
Pros, Cons, & Details
Want more credit card options?WalletHub makes it easy to compare credit card across many companies.
The Barclaycard Rewards MasterCard is one of the best credit cards for fair credit, offering a potentially no-cost option for qualified applicants to continue their credit-building efforts while enjoying rewards that are above average for the credit-card market as a whole. This card is best for people with fair credit who always pay their monthly bill in full and don’t make many purchases from internationally based merchants. That’s because it charges interest at an above-average rate and has a 3% foreign transaction fee.
To learn more about this excellent offer, check out our in-depth review: http://wallethub.com/edu/barclaycard-rewards-mastercard-review/25942/
Product: Barclays Bank US Credit Cards
Comment
16
31
SandraSue Shaw @ssssandrasue
I have no interest in using or doing business with the international company’s. I will stick with the US$$$.
show more
show less
Comment
0
0
Edith Lynn Rigby @edith_lynnr
@rickbarbarossa they really hurt my credit with unnecessary credit inquiries that weren't necessary, kept it up for no reason, never had an account opened with them!
show more
show less
Comment
0
0
Edith Lynn Rigby @edith_lynnr
@ssssandrasue they are so unfair, refuse to work with you, customer is always wrong, inconsiderate and can't accept their mistakes they make on consumers accounts!
show more
show less
Comment
0
0
Zai W- @zheshiwode
They don't offer much except decreasing your credit limit here and there.
show more
show less
Comment
0
0
View more comments
andolini8652 @andolini8652
Report Abuse
1 Star Rating
The card offers some benefits, but the customer service is not up to par. Some agents border on arrogance. They seem to think that they are doing you a favor. As a long-term customer, I just canceled the account.
BEWARE IF YOU LIVE ON THE WEST COAST. Merrick Bank CC uses East Coast time, so if you live on the West Coast and make a payment after 9:00 pm local time, you will be late because it is the next day on the East Coast. They DO NOT take into account local time when payment is made. It happened to me today. I paid on time according to Pacific Time (9:15 pm my time) but it will show as being paid one day later because it was after 12:00 am East Coast time. If I get a late fee, I will not pay it. And, perhaps it is set up this way so they can assess as many late fees as possible. DO NOT GET THIS CARD. I am sending mine back. I refuse to deal with a bank that does not recognize all time zones. In my experience, It is the ONLY bank/credit card that does this.
For those with no credit history, I highly recommend this card. It's a worthwhile credit builder, offering great benefits such as cash back, credit monitoring, and more. Fast payment processing is also a plus.
BTW depending on your credit worthiness there's a zero annual fee to a 39$ annual fee and yes there is cash back and it is applied as a credit towards the following statement balance.
show more
show less
Comment
0
0
Ahmet Cetinkaya @afc523
Report Abuse
1 Star Rating
This card sucks. It does not have a decent payment website. The $10 rewards are not worth it since they will charge a $27 late payment fee when you miss the payment. I've been using this card for over 5 years and do not recommend it to anyone.
The overall process is slightly odd. I was approved over a month ago and still have not received my card. I applied for an Indigo card literally a week after receiving approval for a Milestone card. That card arrived within seven days, actually earlier than that. It's very confusing that my card from Milestone was mailed out on October 24th, and as of November 24th, I still have not received my card.
Denied with an 860 FICO 8, 1 new credit card within the last 2 years. Wasted a hard inquiry for nothing. Miss the Ink and Spark sign-up bonuses already. I guess I should have known better than to deal with Bank of America.
Fees are much too high; they take way too long to update your available credit limit after payments are processed. The card sometimes declines transactions for no reason. Needless to say, I will be paying this card off as soon as possible and will stop using it.
Looks like I'm bucking the trend with all the negative reviews here, but my wife and I found this card to hold a surprisingly useful benefit.
She's had this card since before the pandemic, but sometime in the middle of the pandemic, we noticed that BR had started rolling out these quarterly bonuses for spending outside of their stores. The 5% bonus categories can vary every quarter, covering things like gas, groceries, drug stores, etc. One time it even gave us a "spend X amount anywhere and get 10% back in points" offer.
Normally, we use our Chase Freedom, Discover, and Citi Custom Cash to cover our quarterly 5% rotating bonuses, but once a year, we might have a gap in gas and/or groceries, and more often than not, our BR card has stepped up to fill that gap. The best part, compared to Chase/Discover, is that there's no cap on the 5% rewards.
Thanks to these rotating bonus categories, we haven't had to spend any money out of pocket for the past couple of years at their stores.
Get answers to your questions about Mastercard Credit Card Reviews below. Editorial and user-generated content is not provided, reviewed or endorsed by this issuer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
You can get a Mastercard online, at a bank or credit union branch, in person at certain retailers, or over the phone in some cases. How you get a Mastercard depends on the type of Mastercard you're looking for. Generally, it is much easier to get a Mastercard prepaid card or debit card than it is to get a Mastercard credit card.
Click the “Apply Now” button to be redirected to the issuer's secure online application page.
Provide the required information, including your name, address, and Social Security number, as well as some info about your income and current debts.
Check out the terms and conditions.
Submit your application.
After you submit your Mastercard credit card application, you could receive instant approval if you're clearly qualified. Otherwise, you may have to wait 3-14 business days for a decision, depending on the issuer.
Eligibility Requirements
Age: You need to be at least 18 years old to apply for a credit card. Variations may exist for debit and prepaid cards.
Income: Financial institutions will assess your income to determine your ability to repay borrowed funds on credit cards.
Credit History: For credit cards, a good credit score can improve your chances of approval. Debit and prepaid cards usually do not require a credit history.
Keep in mind that Mastercard is a card network, not a card issuer. So, you can get a Mastercard credit card from many banks and credit unions. You can learn more about the differences between card networks and card issuers from this WalletHub guide.
The three levels of Mastercard benefits are Standard, World, and World Elite. World Elite Mastercard offers the most extensive benefits among them, but even a standard Mastercard provides perks such as a $0 fraud liability guarantee, emergency support, and ID theft protection.
A Mastercard is used for accessing the funds in a bank account or a line of credit to make purchases and withdraw cash. Cards on the Mastercard network can be used at virtually any location that takes credit cards and debit cards across 210+ countries and territories.
As a payment network, Mastercard connects the bank of a merchant with the issuer of a card to complete financial transactions. Mastercard itself doesn't issue any cards,...
You can contact Mastercard customer service by calling (800) 627-8372. You can also visit Mastercard's website and select the bank or credit union that issued your card to find the contact number for its customer service department. Alternatively, you can call the number on the back of your card.
Mastercard is not a credit card issuer, so for specific account-related inquiries, you'll need to contact your card's issuing bank or credit union directly.
The main difference between Visa and Mastercard is that Mastercard is more widely accepted internationally, while Visa offers more credit card benefits. However, most people won't notice any substantial difference between Visa and Mastercard because their services are largely on par.
Visa and Mastercard are two of the largest payment networks in the world, but neither Visa nor Mastercard issues any cards. Banks and credit unions issue the cards, which are then used on...
Ad Disclosure:
Certain offers that appear on this site originate from paying advertisers. For full transparency, here is a list of our
current
advertisers.
Advertisers compensate WalletHub when you click on a link, or your application is approved, or your account is opened.
Advertising impacts how and where offers appear on this site (including, for example, the order in
which they appear and their prevalence). At WalletHub, we try to list as many credit card offers as possible
and currently have more than 1,500 offers, but we do not list all available offers or financial service companies.
Advertising enables WalletHub to provide you proprietary tools, services, and content at no charge. Advertising does
not impact WalletHub's editorial content including our best credit card picks, reviews, ratings and opinions. Those
are completely independent and not provided, commissioned, or endorsed by any issuer, as our editors follow a strict
editorial policy.
WalletHub is not a financial advisor. Our goal is to provide you with top-notch
content, data, and tools. You are responsible for deciding what financial products and providers are best
for your needs.
Irrespective of whether an institution or professional is a paid
advertiser, the presence of information on WalletHub does not constitute a referral or endorsement of the
institution or professional by us or vice versa.
We work hard to show you up-to-date product terms, however, this information does
not originate from us and thus, we do not guarantee its accuracy.
Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering
institution. Please let us
know if you notice any differences.
* The information about the following cards has been independently collected
by WalletHub: BankAmericard® credit card, Citi® / AAdvantage® Platinum Select® World Elite Mastercard®, Frontier Airlines Credit Card, HSBC Elite Credit Card, and Chase Freedom Flex® Credit Card.
