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
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 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 "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
1.7
User Reviews
3.4
Market Comparison
2.1
fees: 1.5
rewards: 5.0
cost: 1.2
Other Features: 4.7
One-Time Fees→$0
Regular APR→36% Fixed
One-Time Fees
$0
Regular APR
36% Fixed
annual fee
$85-$175 1st yr, $49 after
monthly fee
$0 1st yr, $15 after
rewards rate
1 - 3% Cash Back
minimum credit
Bad
WalletHub's Take: The Fortiva® Cash Back Rewards Mastercard is a pricey credit card for people with bad credit that’s not likely to be worth the cost despite offering good rewards. Fortiva’s cash back credit card gives cardholders 3% cash back on eligible gas, groceries and utilities, as well as 1% cash back on all other eligible purchases. It also offers an unsecured credit line of up to $1,000, with no security deposit needed. However, the Fortiva Cash Back Reward Card’s benefits come at a steep cost.
Pros
High rewards rate
Bonus rewards categories
Qualify with bad credit
Does not require security deposit
Cons
High membership fees
High regular APR
Foreign fee
Rewards Details
Earn Cash Back Rewards* - 3% on Eligible Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases
*See Program Terms for important information about the cash back rewards program.
Additional Info
Use Anywhere Mastercard is Accepted
No Security Deposit
$0 fraud liability**
Free access to your Credit Score†
**Fraud liability subject to Mastercard rules.
† Your credit score will be available in your online account starting 60 days after your account is opened. (Registration required.) The free VantageScore 4.0 credit score provided by TransUnion® is for educational purposes only. This score may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.
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 "Improve 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
4.0
User Reviews
3.6
Market Comparison
3.4
fees: 5.0
rewards: 0.0
cost: 3.3
Other Features: 4.5
Purchase Intro APR→Not Offered
Transfer Intro APR→Not Offered
Regular APR→28.99% (V)
Purchase Intro APR
Not Offered
Transfer Intro APR
Not Offered
Regular APR
28.99% (V)
annual fee
$0
rewards rate
None
minimum credit
Limited History
WalletHub's Take: The Capital One Platinum Card is a good credit card to consider if you are new to credit. It is worth applying for this card because it is available to newcomers, does not charge an annual fee and reports account information to the three major credit bureaus each month – everything you need to build credit inexpensively. Just make sure to pay the monthly bills on time and keep your balance well below Capital One Platinum’s credit limit.
Pros
No annual fee
Available to people with limited credit
Free credit-score access
No foreign transaction fee
Cons
No rewards
High regular APR
No reduced introductory rates
Additional Info
No annual or hidden fees. See if you're approved in seconds
Be automatically considered for a higher credit line in as little as 6 months
Help build your credit through responsible use of a card like this
Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
Monitor your credit score with CreditWise from Capital One. It's free for everyone
Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One's mobile app
Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
Top rated mobile app
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$$$.
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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!
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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!
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Comment
0
0
Zai W- @zheshiwode
They don't offer much except decreasing your credit limit here and there.
The worst credit card out there. Minimum payments are extremely high. For example, a minimum payment of $25.00, then you get whacked with a $12.50 monthly fee plus $33.00 in finance and interest charges. In my opinion, pay off the balance, then shut down the account. You can do much better.
I had money in my bank account, so I made a $100 payment towards my Mastercard. It took them weeks to charge my account, and by that point, I did not have $100 in my bank account to cover it. I thought they would pull the $100 immediately since I selected the date I wanted to pay it. Apparently, that is not the case. They charged me a $29 returned check fee twice and refused to refund it, despite my explanation of what had happened. It's wrong of them to take weeks to charge my account when I selected to pay it the same day when the money was in my bank account. And now I owe more. Once it's paid off, I will be canceling this card.
Milestone is a great card; I got a $500, 1.5% cashback card, with a total annual fee of $46 billed at $3.95 a month. Milestone gives second chances to those who need it. It's not glamorous, but you prove yourself with Milestone, and you can get better cards down the line. Read what you sign up for and take responsibility for what you spend; no one is owed credit—it's a privilege. A $500-$1000 limit card has a maximum $30 a month payment... protect your credit at all costs. I make more in cashback than I spend on the annual fee, and I never carry a balance as I got this card to rebuild my credit, not carry me through a rough time and destroy my only second chance. I am glad Milestone gave me a second chance.
Approximately four months ago, I applied for and received a One Key credit card through Expedia, issued by Wells Fargo. For several months, I used the card regularly and paid the balance in full each month without any issues.
During a three-week international trip, Wells Fargo placed a security hold on the account. After I returned, I received a letter by mail requesting that I authorize the IRS to release my official tax return data. I regard this type of request as inappropriate and indistinguishable from a phishing attempt, regardless of whether it originates from the bank or a third party.
When I contacted Wells Fargo for clarification, I was told the hold would remain unless I provided the requested information. I was also given inconsistent information about the account status—first, that the card would remain permanently restricted, and later that it would be canceled if I did not comply.
I immediately paid the remaining balance of $53 and requested the cancellation of the account. My request for immediate cancellation was denied, and customer service ultimately would not continue the call.
I do not share tax return information with credit card companies and do not believe such disclosure should be required to maintain an account. While the card did provide Expedia rewards as advertised, the experience was unnecessarily difficult and unprofessional. In my view, the benefits are not worth the risk or inconvenience.
Hi @toyaanderson489, thanks so much for the positive review. We're glad Atlas has been helpful for you.
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Comment
0
0
Thomas @thomasl_188
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3 Star Rating
They adjust your credit line up and down. Not always a good thing!
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Product: Citibank Credit Cards
Comment
0
0
Andrea Kafura @andreak6
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1 Star Rating
PayPal is the worst account I've ever had, and I will never deal with them again. The account has been paid off, yet it still shows I owe money, and it's been a month.
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Product: Synchrony Bank Credit Cards
Comment
0
0
David Delano @davidd40
Report Abuse
1 Star Rating
The amount of fraud that happens with Apple Card is crazy; you need to monitor your account every day to make sure you aren't charged for things you haven't purchased.
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...
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