Mastercard Rewards Credit Cards
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Mastercard rewards credit cards offer points, miles or cash back on every purchase and are available to people of all credit levels. Credit cards in the Mastercard rewards program (some of which are issued by … show more
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Purchase Intro APR
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0% for 15 months
Transfer Intro APR
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0% for 15 monthsTransfer Fee: 3%
Regular APR
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15.49% - 25.49% (V)
Rewards Details
- Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
- Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
- 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% intro APR on purchases for 15 months; 15.49% - 25.49% variable APR after that
- 0% intro APR on balance transfers for 15 months; 15.49% - 25.49% variable APR after that; 3% fee on the amounts transferred within the first 15 months
- No foreign transaction fee
- No annual fee
- See More Details & Reviews About TheCapital One® SavorOne® Cash Rewards Credit Card
Purchase Intro APR
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0% for 15 billing cycles
Transfer Intro APR
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0% for 15 billing cycles for any balance transfers made in the first 60 days
Regular APR
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15.49% - 25.49% Variable
Rewards Details
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
- Earn 3% cash back in the category of your choice, 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
- No expiration on rewards
- If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase
Additional Info
- No annual fee
- 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.49% - 25.49% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
- See More Details & Reviews About TheBank of America® Cash Rewards credit card
Purchase Intro APR
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Not Offered
Transfer Intro APR
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0% for 18 monthsTransfer Fee: 3% (min $5)
Regular APR
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15.49% - 25.49% (V)
Rewards Details
- Earn cash back twice. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
- To earn cash back, pay at least the minimum due on time.
Additional Info
- Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.49% – 25.49%, based on your creditworthiness.
- Click "Apply Now" to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
- Balance Transfers do not earn cash back.
- The standard variable APR for Citi Flex Plan is 15.49% – 25.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
- See More Details & Reviews About TheCiti® Double Cash Card – 18 month BT offer
Purchase Intro APR
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Not Offered
Transfer Intro APR
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Not Offered
Regular APR
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26.74% (V)
Rewards Details
- Earn unlimited 1.5% cash back on every purchase, every day
- Earn cash rewards without signing up for rotating categories
- No limit to how much cash back you can earn, and cash back doesn't expire for the life of the account
Additional Info
- Get access to a higher credit line after making your first 5 monthly payments on time
- Monitor your credit profile with the CreditWise® app, free for everyone
- $0 fraud liability if your card is ever lost or stolen
- Help strengthen your credit for the future with responsible card use
- Get customized alerts and manage your account with the Capital One mobile app
- See More Details & Reviews About TheCapital One® QuicksilverOne® Cash Rewards Credit Card
Purchase Intro APR
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Not Offered
Transfer Intro APR
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Not Offered
Regular APR
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20.24% (V)
Rewards Details
- Complimentary Amazon Student Prime (Lifetime Value worth $59)
- 1% cash back on all purchases
Additional Info
- An award winning college credit card for all students - both from the US and visiting from abroad. (For international students, an SSN is not required to apply)
- Cellphone Protection
- Extended Warranty
- $0 Annual Fee
- 20.24% variable APR
- See More Details & Reviews About TheDeserve® Edu Mastercard for Students
Purchase Intro APR
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0% for 12 months
Transfer Intro APR
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0% for 18 monthsTransfer Fee: 3% (min $5)
Regular APR
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10.75% (V)
Rewards Details
- Earn $150 statement credit after you spend $1,200 on purchases within the first 90 days from account opening
- Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive
- No upper limit on the points you can accumulate, and since points never expire, you can save up for a big award!
- Earn Points on Every Purchase! It’s simple: $1 = 1 Point
- Select Your Rewards Your Way
Additional Info
- 0% Intro APR on Purchases for 12 months and Balance Transfers for 18 months; after that the variable APR will be 10.75% (V), based on your creditworthiness.
- No Annual Fee
- See More Details & Reviews About TheAmalgamated Bank of Chicago Union Strong Mastercard® Credit Card
Purchase Intro APR
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Not Offered
Transfer Intro APR
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Not Offered
Regular APR
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15.99% - 24.99% (V)
Annual Fee
$0 for 1st yr, $95 after
Rewards Rate
1 - 4% Cash Back
Minimum Credit
Good Credit
Rewards Details
- Earn a one-time $300 cash bonus after you spend $3000 on purchases within the first 3 months from account opening
- Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through May 2020.
- 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
- No foreign transaction fees
- Capital One cardholders get access to premium experiences in dining, entertainment and more
- $0 intro annual fee for the first year, $95 after that
- See More Details & Reviews About TheCapital One® Savor® Cash Rewards Credit Card
Purchase Intro APR
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0% for 12 months
Transfer Intro APR
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0% for 18 monthsTransfer Fee: 3% (min $5)
Regular APR
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14.4% - 24.4% (V)
Rewards Details
- Earn $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening
- Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive
- No upper limit on the points you can accumulate, and since points never expire, you can save up for a big award!
- Earn Points on Every Purchase! It’s simple: $1 = 1 Point
- Select Your Rewards Your Way
Additional Info
- 0% Intro APR on Purchases for 12 months and Balance Transfers for 18 months; after that the variable APR will be 14.40% - 24.40%, based on your creditworthiness
- No Annual Fee or Foreign Transaction Fee
- No Foreign Transaction Fee
- See More Details & Reviews About TheAmalgamated Bank of Chicago Platinum Rewards Mastercard® Credit Card
Purchase Intro APR
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Not Offered
Transfer Intro APR
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Not Offered
Regular APR
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17.49% - 25.49% (V)
Rewards Details
- Earn 10,000 American Airlines AAdvantage® bonus miles and receive a $50 statement credit after making $500 in purchases within the first 3 months of account opening
- Earn 2 AAdvantage® miles for each $1 spent at grocery stores, including grocery delivery services
- Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases
- Earn 1 AAdvantage® mile for every $1 spent on other purchases
- Save 25% on inflight food and beverage purchases when you use your card on American Airlines flights
Additional Info
- No Annual Fee
- The standard variable APR for Citi Flex Plan is 17.49% - 25.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
- See More Details & Reviews About TheAmerican Airlines AAdvantage MileUp℠ Card
Purchase Intro APR
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Not Offered
Transfer Intro APR
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Not Offered
Regular APR
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17.24% - 25.24% (V)
Annual Fee
$450
Rewards Rate
1 - 2 miles / $1
Minimum Credit
Excellent Credit
Rewards Details
- Earn 50,000 American Airlines AAdvantage® bonus miles after spending $5,000 in purchases within the first 3 months of account opening
- Admirals Club® membership for you and access for guests traveling with you
- Complimentary Admirals Club® lounge access for authorized users
- Earn 10,000 AAdvantage® Elite Qualifying Miles (EQMs) after you spend $40,000 in purchases within the year
- Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases and 1 AAdvantage® mile for every $1 spent on other purchases
- First checked bag is free on domestic American Airlines itineraries for you and up to 8 companions traveling with you on the same reservation
Additional Info
- No Foreign Transaction Fees on purchases
- The standard variable APR for Citi Flex Plan is 17.24% - 25.24%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
- See More Details & Reviews About TheCiti® / AAdvantage® Executive World Elite™ Mastercard®
NO FOREIGN FEE
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What is a Mastercard reward card?
Mastercard reward card is a fairly vague term, which can refer to two very different types of plastic. For starters, there are credit cards on the Mastercard network that reward you for each purchase. Mastercard gift cards are sometimes referred to as reward cards, too, especially when you get them by redeeming credit card rewards or through some sort of incentive program. A Mastercard debit card with rewards could also qualify, but debit card rewards are largely a thing of the past.We don’t recommend using Mastercard (or Visa) gift cards because they charge fees that can eat away at your balance. Furthermore, some retailers’ gift cards are pretty much as good as cash – Amazon.com, for example.
Rewards Mastercard credit cards are another story, though. Some of the market’s best rewards credit cards are on the Mastercard network. So you could very well miss out on a great deal if you don’t at least consider them.
To help you find the right Mastercard rewards for your particular needs, WalletHub’s editors compared all of the qualifying offers in our database of 1,000+ cards. And we selected the top picks in the most popular categories.
Here are the best rewards Mastercard cards for 2020:
| Best Mastercard Rewards For… | Card Name | Annual Fee | Type of Rewards | Min. Credit Required | Editor’s Rating |
| No Annual Fee | Citi® Double Cash Card – 18 month BT offer | $0 | Cash Back | Good Credit | 5.0 / 5 |
| Students | Citi ThankYou® Preferred Card for College Students | $0* | Points | Good Credit | 4.0 / 5 |
| Small Business | Business Advantage Cash Rewards Credit Card | None | Cash Back | Excellent Credit | N/A |
| Building Credit | Capital One® QuicksilverOne® Cash Rewards Credit Card | $39 | Cash Back | Limited History | 4.7 / 5 |
| Rebuilding Credit | SunTrust Secured Credit Card | $32 | Cash Back | Bad Credit | N/A |
Clearly, your credit card choice will depend on your credit standing. So make sure to check your latest credit score early in the process. You can also compare your favorite rewards Mastercard to the top Visa rewards cards to make sure you get the best terms.
Questions & Answers
Comparing mastercard rewards can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered....show moreshow less
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† Approval Odds are WalletHub estimates intended to gauge your likelihood of approval for a particular product. Approval Odds are based on WalletHub data and are not provided or endorsed by the lender. Approval Odds are not meant to imply or guarantee that you will be approved by the lender or that credit will be extended.
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