MasterCard Credit Cards

By updated on April 23, 2014

Looking for a new credit card? Compare the credit card choices offered by MasterCard to see which one meets your needs. MasterCard offers nearly every type of credit card desired, including many with options for various rewards as well as cards issued by a variety of banks. Expert ratings and reviews can be used to find the best credit card offers and to make credit card comparisons.  MasterCard credit cards are widely accepted and offer many benefits. 

What is MasterCard?

For four decades, MasterCard has functioned as link between financial institutions and customers, providing a wide range of credit card products to meet every customer's needs. MasterCard processes more than 23 billion transactions every year around the globe, so it is more than likely that you can find a MasterCard credit card offer that meets your needs. There are MasterCard credit cards for consumers with limited credit, bad credit, good credit and credit cards for excellent credit, along with credit cards designed to meet the needs of students, small business owners and travelers.

What types of credit cards are offered by MasterCard?

MasterCard offers nearly any type of credit card that consumers today are looking for, including cash back cards, cards with low introductory rates, balance transfer cards and rewards cards that offer a variety of points to be used for items such as airline miles or gift cards to various merchants.

If you usually carry a balance on your credit card, you want to pay off your credit card debt with a balance transfer offer or you are planning to make a big purchase with your new credit card, you should look for credit card offers with a low introductory rate. You will need good or excellent credit to qualify for a credit card with a low interest rate.

How do I choose the MasterCard that works best for me?

Before completing a new credit card application, consumers should consider how they use their credit cards. Those who choose to pay their balance in full each month may be more interested in comparing MasterCard credit card offers for rewards points, while those who carry a balance should be most concerned about the interest rate. Once you decide which type of card you need, you can read credit card reviews to compare the best credit cards.

What can I do to make sure I am approved for a new MasterCard?

If you are getting back on solid financial footing and you're ready to apply for a credit card or upgrade an old card, the first thing you need to do is to find out your credit score. Credit card companies like MasterCard base credit card offers on an evaluation of your ability to pay your credit card bill. If you have bad credit, you will have fewer choices for a credit card.

If you are trying to establish credit for the first time or rebuild your credit history, you may need to start with a secured credit card. Expect a high interest rate, and plan to pay off the card every month.

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Barclaycard® Rewards MasterCard® - Average Credit

Editor's Rating

  • No annual fee
  • Earn 2 points per $1 on gas, grocery, and utility purchases and 1 point per $1 everywhere else
  • Use the points you earn like cash to pay for almost any purchases you've made.
  • No blackout date, no redemption fees, no limit on the points you can earn and no complicated set up.
  • Reports to all 3 major credit bureaus monthly providing you the opportunity to rebuild your credit score
  • Complimentary FICO® Scores as a benefit to active card members. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.

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Apply Now Credit Needed: Fair

Purchase Intro

APR: N/A

Purchase APR

24.99%* Variable

Balance Transfer Intro APR

N/A

Balance Transfer Intro Period

N/A

Annual Fee

$0

Capital One® Platinum Prestige Credit Card

Editor's Rating

  • Transfer a balance for 0% intro APR until July 2015
  • Get 0% intro APR on all purchases until July 2015
  • Enjoy no annual fee
  • Get peace of mind with fraud coverage if your card is lost or stolen
  • Enjoy extended warranty protection on eligible items purchased with your card
  • Fast and easy access, 24/7
  • Rent a car using your card and get collision, damage, and loss insurance
  • Feel secure with 24-hour roadside assistance

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Apply Now Credit Needed: Good

Purchase Intro

APR: 0%

Period: until July 2015

Purchase APR

10.90% - 18.90% Variable

Balance Transfer Intro APR

0%

Balance Transfer Intro Period

until July 2015

Annual Fee

$0

Citi Simplicity® Card

Editor's Rating

  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • No late fees - EVER
  • No penalty rate - EVER
  • No annual fee - EVER
  • Save time when you call with fast, personal help, 24 hours a day.

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Apply Now Credit Needed: Excellent

Purchase Intro

APR: 0%*

Period: 18 months on Purchases*

Purchase APR

12.99% - 21.99% Variable

Balance Transfer Intro APR

0%*

Balance Transfer Intro Period

18 months on Balance Transfers*

Annual Fee

$0 *

Capital One® Secured MasterCard®

Editor's Rating

  • Build credit with responsible use with no processing or application fees
  • Regular reporting to the 3 major credit bureaus
  • Get free access to a credit score, credit report, and credit tips using Credit Tracker
  • Your security deposit can get you a line up to $3,000
  • You may qualify for a credit line increase based on your payment history and creditworthiness
  • Build a financial foundation you can stand on with a card that gets you started
  • Use it like any MasterCard credit card, accepted at millions of locations worldwide

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Apply Now Credit Needed: Bad

Purchase Intro

APR: N/A

Purchase APR

22.90% Variable

Balance Transfer Intro APR

N/A

Balance Transfer Intro Period

N/A

Annual Fee

$29

AccountNow® Prepaid MasterCard®

Editor's Rating

  • $0 Monthly Fee. No Minimum Balance.
  • No Credit Check or ChexSystems check. Guaranteed Approval.
  • Free† Direct Deposit - paycheck, benefits, tax refunds
  • Easy 24/7 Online Account Access
  • Earn Purchase Rewards and Refer-a-Friend Cash Bonus
  • Use it Everywhere MasterCard® Debit card accepted

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Apply Now Credit Needed: Limited

Purchase Intro

APR: N/A

Purchase APR

N/A

Balance Transfer Intro APR

N/A

Balance Transfer Intro Period

N/A

Annual Fee

$0

Citi® Diamond Preferred® Card

Editor's Rating

  • Get 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
  • Citi® Easy Deals℠ Get what you want for less. Earn Citi Easy Deals Points for the purchases you make with your card. Redeem your points for great online deals on name-brand merchandise, gift cards and even local deals.
  • Let our 24/7 concierge service help book your hotel rooms, flights and more.
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions.
  • No annual fee*

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Apply Now Credit Needed: Excellent

Purchase Intro

APR: 0%*

Period: 18 months on Purchases*

Purchase APR

11.99% - 21.99%* Variable

Balance Transfer Intro APR

0%*

Balance Transfer Intro Period

18 months on Balance Transfers*

Annual Fee

$0 *

First Progress Platinum Prestige Secured MasterCard®

Editor's Rating

  • Receive Your Card More Quickly with New Expedited Processing Option
  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application
  • Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Credit Line Secured by Your Fully-Refundable Deposit of $300 -- $2,000 Submitted with Application
  • Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
  • 24/7 Online Access to Your Account
  • Nationwide Program though not yet available in NY, IA, AR, or WI
  • * See Card Terms.

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Apply Now Credit Needed: Bad

Purchase Intro

APR: None

Purchase APR

11.99% Variable

Balance Transfer Intro APR

None

Balance Transfer Intro Period

None

Annual Fee

$44

Mutual of Omaha Bank Platinum Rewards MasterCard®

Editor's Rating

  • 5000 Reward Points bonus on first purchase
  • 2X Rewards for First 60 days
  • $1 purchase = 1 reward point
  • Points redemption in Merchandise, Travel, Cash Back
  • No Balance Transfer Fee
  • Low APR
  • No Annual Fee
  • No Penalty APR
  • No Overlimit Fee

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Apply Now Credit Needed: Excellent

Purchase Intro

APR: None

Purchase APR

9.99% - 20.99% Variable

Balance Transfer Intro APR

None

Balance Transfer Intro Period

None

Annual Fee

$0

First Progress Platinum Select MasterCard® Secured Credit Card

Editor's Rating

  • Receive Your Card More Quickly with New Expedited Processing Option
  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Credit Line Secured by Your Fully-Refundable Deposit of $300 -- $2,000 Submitted with Application
  • 24/7 Online Access to Your Account
  • Nationwide Program though not yet available in NY, IA, AR, or WI
  • * See Card Terms.

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Apply Now Credit Needed: Limited

Purchase Intro

APR: N/A

Purchase APR

14.99% Variable

Balance Transfer Intro APR

N/A

Balance Transfer Intro Period

N/A

Annual Fee

$39

CitiBusiness®/ AAdvantage® World MasterCard®

Editor's Rating

  • Designed for businesses with an established credit history
  • Earn 30,000 American Airlines AAdvantage® bonus miles after $1,000 in purchases in the first 3 months of cardmembership*
  • Get the first checked bag free for you and up to 4 traveling companions*
  • Enjoy Group 1 Boarding*
  • Earn 2 American Airlines AAdvantage® miles for every $1 you spend on American Airlines purchases and on purchases at certain office supply, telecommunications and car rental merchants*
  • Receive 25% savings on in-flight food and beverage purchases when you use your card*

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Apply Now Credit Needed: Excellent

Purchase Intro

APR: N/A

Purchase APR

15.24% Variable

Balance Transfer Intro APR

N/A

Balance Transfer Intro Period

N/A

Annual Fee

$95

$95, waived for the first 12 months*

Capital One® QuicksilverOne℠ Cash Rewards Credit Card

Editor's Rating

  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories and no sign ups needed to earn cash rewards
  • Redeem the cash back you earn for any amount, any time
  • No limit to the cash back you can earn
  • Your cash back doesn't expire
  • 0% intro APR on purchases until January 2015
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud Coverage if your card is ever lost or stolen

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Apply Now Credit Needed: Limited/No history

Purchase Intro

APR: 0%

Period: until January 2015

Purchase APR

22.90% Variable

Balance Transfer Intro APR

N/A

Balance Transfer Intro Period

N/A

Annual Fee

$39

Barclaycard® Ring MasterCard®

Editor's Rating

  • No Balance Transfer Fees - start saving immediately!
  • A low 8% variable APR on balance transfers and purchases
  • No Annual Fees
  • Choose your card benefits and features
  • Get rewarded through the new Giveback™ program, where Barclaycard Ring members get money back for good performance
  • Get exclusive access to our online community and vote on the card features you like and view the financials of the Barclaycard Ring MasterCard online
  • Learn more about personal finance from Barclaycard and other members
  • Complimentary FICO® Scores as a benefit to active cardmembers. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.

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Apply Now Credit Needed: Excellent

Purchase Intro

APR: N/A

Purchase APR

8% Variable

Balance Transfer Intro APR

N/A

Balance Transfer Intro Period

N/A

Annual Fee

$0

Barclaycard Arrival™ World MasterCard® - Earn 1x on All Purchases

Editor's Rating

  • Start by earning 20,000 bonus miles when you make $1,000 or more in purchases in the first 90 days from account opening. 20,000 bonus miles equates to $200 off your next trip!
  • 0% introductory APR on balance transfers and purchases for the first 12 months after account opening. After that, variable APR, currently 14.99% or 18.99%, based upon your creditworthiness.
  • Earn 2X miles on travel and dining purchases
  • Earn 1X miles on all other purchases
  • No mileage caps or foreign transaction fees
  • Get 10% miles back when you redeem for travel (i.e. redeem 25,000 miles for travel and get 2,500 miles back)
  • Use miles for a statement credit toward any airline purchase to any destination with no seat restrictions and no blackout dates
  • Easily redeem your miles for statement credits toward flights, cruises, car rentals, hotels and more
  • Complimentary one year subscription of TripIt Pro mobile travel organizer - a $49 value
  • Complimentary FICO® Scores as a benefit to active cardmembers. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.

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Apply Now Credit Needed: Excellent

Purchase Intro

APR: 0%

Period: 12 months

Purchase APR

14.99% or 18.99% Variable

Balance Transfer Intro APR

0%

Balance Transfer Intro Period

12 months

Annual Fee

$0

First Progress Platinum Elite MasterCard® Secured Credit Card

Editor's Rating

  • Receive Your Card More Quickly with New Expedited Processing Option
  • No Credit History or Minimum Credit Score Required for Approval
  • Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
  • Credit Line Secured by Your Fully-Refundable Deposit of $300 -- $2,000 Submitted with Application
  • Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
  • Nationwide Program though not yet available in NY, IA, AR, or WI
  • * See Card Terms.

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Apply Now Credit Needed: Limited

Purchase Intro

APR: N/A

Purchase APR

19.99% Variable

Balance Transfer Intro APR

N/A

Balance Transfer Intro Period

N/A

Annual Fee

$39

Barclaycard Arrival™ World MasterCard® - Earn 2x on All Purchases

Editor's Rating

  • Earn 40,000 bonus miles when you spend $3,000 or more on purchases in the first 90 days from account opening. 40,000 bonus miles equates to $400 off your next travel redemption!
  • 0% introductory APR on purchases and balance transfers for the first 12 months after account opening. After that, variable APR, currently 14.99% or 18.99%, based upon your creditworthiness.
  • Earn 2X miles on all purchases
  • No mileage caps or foreign transaction fees
  • Get 10% miles back when you redeem for travel statement credits (i.e. redeem 25,000 miles for travel and get 2,500 miles back)
  • Use your card to book through any airline, hotel or discount travel engine with no blackout dates or seat restrictions
  • Easily redeem your miles for statement credits towards all or a portion of your travel purchases within the last 90 days
  • Complimentary online FICO® Score access for Arrival cardmembers

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Apply Now Credit Needed: Excellent

Purchase Intro

APR: 0%

Period: 12 months

Purchase APR

14.99% or 18.99% Variable

Balance Transfer Intro APR

0%

Balance Transfer Intro Period

12 months

Annual Fee

$89

$89 - Waived first year

Capital One® Classic Platinum Credit Card

Editor's Rating

  • 0% intro APR on purchases until January 2015
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account--even from your smartphone with our mobile app
  • Pick the monthly payment due date that works best for you
  • Pay however you want--by check, online, or at a local branch, all with no fee
  • Get access to your account 24 hours a day, 7 days a week
  • Start building for the future with features that can help you get there

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Apply Now Credit Needed: Limited/No history

Purchase Intro

APR: 0%

Period: until January 2015

Purchase APR

22.90% Variable

Balance Transfer Intro APR

N/A

Balance Transfer Intro Period

N/A

Annual Fee

$39

These quotes are from credit card issuers which have paid for a link to their website. Offers are subject to change without notice and may not be the same for all consumers.