What to know about Mastercard credit cards | finder.com
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Mastercard credit cards

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Take advantage of swiping anywhere and exclusive perks with a Mastercard credit card.

Mastercard, a third party payment processor, is a common credit card option from a large number of credit card issuers. It is not very different from its main competitor, Visa, given that credit cards with either logo find acceptance in most countries around the world.

The kind of Mastercard that is right for you depends on your particular requirements. Keep in mind, you should always pay attention to the interest and fees as they could vary for each Mastercard product depending on the features the card has.

Compare Mastercards

Updated April 20th, 2019
Name Product Filter values Rewards Purchase APR Annual Fee
2x miles on all purchases
18.24%, 22.24% or 25.24% variable
$0 intro annual fee for the first year ($89 thereafter)
Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days.
N/A
14.24% variable
$0
Enjoy a 0% intro APR on balance transfers for the first 15 months, then a low ongoing APR of 14.24% variable.
3% cash back on up to $10,000 in the first 12 months, then 1.5% on all purchases
15.24%, 19.24% or 25.24% variable
$0
Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees.
N/A
14.24%, 20.24% or 25.24% variable
$0
An 15 months 0% intro APR period on both purchases and balance transfers, plus zero foreign transaction fees, makes this is a strong well-rounded card. See Rates and Fees
1x points on all purchases with 2% point value when you redeem for airfare and 1% for cash back
17.24% variable
$195
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
1x points on all purchases with 2% point value when you redeem for airfare and 1.5% for cash back
17.24% variable
$495
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
1x points on all purchases with 2% point value when you redeem for airfare or cash back
17.24% variable
$995
Earn 2% point value when redeemed for airfare or cash back through the Luxury rewards program.
1% cash back to your choice of nonprofits, K-12 schools, colleges and religious organizations
16.24% to 22.24% variable
$0
1% cash back to the nonprofits, K-12 schools, colleges and religious organizations of your choice.
N/A
14.74% variable
$39
No minimum credit score and no credit history required.
N/A
20.74% variable
$29
Build your credit with all three major credit bureaus.
N/A
10.74% variable
$49
Build or rebuild your credit with this secured card.
1% cash back when you make purchases and 1% cash back when you pay off your card
15.74% to 25.74% variable
$0
Earn 1% cash back when you pay off your card, on top of the 1% cash back you earn when you make purchases. No annual fee.
N/A
16.24% to 26.24% variable
$0
Enjoy a 0% intro APR for 21 months on balance transfers and for 12 months on purchases.
x points on air travel and at restaurants, 5x points on hotels and cruises and 1x points on all other purchases
17.99% to 25.99% variable
$495
Earn 50,000 points after spending $4,000 in the first 3 months.
2x miles on American Airlines purchases and 1x miles on everything else
17.99% to 25.99% variable
$450
Earn 50,000 American Airlines AAdvantage® bonus miles after making $5,000 in purchases within the first 3 months of account opening.
Earn 3x Amtrak Guest Rewards points on Amtrak purchases, 2x points on other travel purchases and 1 points on all other purchases
17.24% to 25.24% variable
$79
Get 20,000 bonus points after you make $1,000 or more in purchases on your new card within 90 days of account opening.
N/A
26.99% variable
$0
Take control and build your credit with responsible use.
3x points on Allegiant purchases (air, hotel, car rental and attractions, 2 points on dining and 1x points on all other purchases
17.24% to 25.24% variable
$59
The Allegiant World Mastercard® Credit Card — simple, straightforward and rewarding. 15,000 bonus points offer
2x miles on gas and select categories, 2x miles on American Airlines purchases and 1x miles on all other purchases
17.99% to 25.99% variable
$0 intro annual fee for the first year ($99 thereafter)
70,000 AAdvantage® miles after making $4,000 in purchases in first 4 months of account opening.
2x miles on American Airlines, dining, and gas and 1 miles on all other purchases
18.24% to 26.24% variable
$0 intro annual fee for the first year ($99 thereafter)
Earn 50,000 AAdvantage® bonus miles after you spend $2,500 in the first 3 months.
13x points on Best Western and 2x points on everything else
18.74% to 24.74% variable
$0
Earn 16,000 bonus points after your first purchase and 16,000 bonus points on your first stay.

Compare up to 4 providers

What are the benefits of using a Mastercard?

  • Global acceptance

Mastercard is accepted in hundreds of countries and millions of locations around the world. You can use your Mastercard wherever the Mastercard symbol is displayed, including at ATMs, credit card readers in local shops, restaurants and online.

  • Mastercard PayPass

Just about all newly issued Mastercard credit cards make use of this technology that enables cardholders to make contactless payments for purchases under $100.

  • Emergency Services

You can contact Mastercard’s customer service team at 1-800-627-8372 to help you with the reporting of lost or stolen cards and it can provide emergency replacement cards and cash advances. It can also help you find the nearest Mastercard ATM and it provide information related to your account.

  • World Mastercard

With World Mastercard, cardholders can take advantage of wine privileges at participating restaurants, complimentary meals at partnered hotels, plus exclusive dining and traveling experiences.

  • Mastercard Priceless Cities

Mastercard Priceless Cities offers cardholders access to a variety of unique and exclusive experiences ranging from dining, shopping, entertainment, traveling and golfing.

  • Currency conversion

When you use your Mastercard overseas, you don’t have to worry about making confusing currency conversion calculations because it pays the merchant in the local currency and bills you in USD.

What are the features of a Mastercard credit card?

  • Easy access to funds.
    While you can use your Mastercard to make in-store, online, and over the phone purchases, you can also use it for cash advances at ATMs and supporting financial institutions.
  • Mastercard SecureCode.
    This online program provides additional security when your credit card details make it to the online marketplace, minimizing the possibility of unauthorized usage.
  • Zero Liability.
    Mastercard’s Zero Liability policy protects cardholders from unauthorized and fraudulent charges made using their cards.

How can I compare Mastercard credit cards?

  • Fees.
    The fees you end up paying depend on the credit card issuer you choose to go with as well as the card you get. A basic no-frills Mastercard might require you to pay little or no annual fees compared to a gold or platinum Mastercard that may have a higher annual fee.
  • Interest rate offers.
    Compare Mastercard products based on any promotional interest rates that can help you cut costs with either 0% purchase or balance transfer offers.
  • Credit card issuer.
    As they determine many of the features and fees that come with the card, it’s important to consider which company will issue the card when comparing your options.
  • Rewards.
    You can find several Mastercard credit cards linked to various rewards and frequent flyer programs. This is something you should consider if you’re looking to earn points as you spend.
  • Complimentary insurance.
    Some Mastercard products offer complimentary insurance including extended warranties, price protection, Mastercard ID Theft Protection, global services, travel protection and more.

Compare the best Mastercard business credit cards

History of Mastercard

Mastercard began operations in the late 1940s, at a time when a number of American banks gave their customers specially issued paper that they could use in the form of cash at local establishments. Mastercard issued its first batch of credit cards in California, to serve as direct competition to the Bank of America card that later went on to become Visa.

With time, a number of franchises evolved in several cities and in 1966, one such group formed the Interbank Card Association (ICA). No single bank dominated the running of this organization and member committees came into effect for this very purpose. ICA went on to become Mastercard in 1979.

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