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

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

Rates last updated April 24th, 2018
Name Product APR for Purchases ( Purchase Rate ) Intro APR for Balance Transfer Annual fee Product Description
First Progress Platinum Select Mastercard® Secured Credit Card
13.99% variable
$39
No credit history required. Build or re-build your credit. Refundable security deposit.
First Progress Platinum Elite Mastercard® Secured
19.99% variable
$29
With just a security deposit and 19.99% variable APR, start building or rebuilding your credit history.
First Progress Platinum Prestige Mastercard® Secured Credit Card
9.99% variable
$49
You can increase your credit limit by adding funds to the initial deposit.
Barclaycard Arrival Plus® World Elite Mastercard®
17.24%, 21.24% or 24.24% variable
0% Intro APR for 12 months (with whichever is greater: $5 or 3% balance transfer fee)
$0 annual fee for the first year ($89 thereafter)
Enjoy 40000
bonus miles after you spend on purchases in the first 90 days — that's enough to redeem for a $400 travel statement credit toward an eligible travel purchase.
Amtrak Guest Rewards® World Mastercard®
14.24% to 24.24% variable
$79
20000 bonus points offer. That’s enough points to redeem for a trip to many of our over 500 destinations.
Capital One Secured Mastercard
24.99% variable
$0
Take control and build your credit with responsible use.
Allegiant World Mastercard®
14.24% to 24.24% variable
0% Intro APR for 12 statement closing dates following the opening of your account (with whichever is greater, $10 or 3% balance transfer fee)
$59
Earn 15000 Bonus Points - equal to $150 off your next Allegiant trip, after you make $1,000 or more in purchases within the first 90 days
AccountNow Prepaid Mastercard
A great alternative to a checking account!
Barclaycard CashForward™ World Mastercard®
15.99%, 20.99% or 23.99% variable
0% Intro APR for 15 months (with whichever is greater: $5 or 3% balance transfer fee)
$0
Get a $200 cash rewards bonus after you spend $1,000 in purchases in the first 90 days after account opening.
CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®
16.74% to 24.74% variable
$0 annual fee for the first year ($95 thereafter)
Earn 60000 American Airlines AAdvantage® bonus miles after you spend $3,000 in purchases within the first 3 months of account opening.
Citi® / AAdvantage®  Platinum Select®  World Elite™ Mastercard®
17.24% to 25.24% variable
$0 annual fee for the first year ($95 thereafter)
Earn 60000 AAdvantage® bonus miles after you spend $3,000 in the first 3 months.
Best Western Rewards® Mastercard
19.74% to 23.74% variable
$0
Earn even more points when you use the Best Western Rewards Mastercard on your everyday purchases.
Citi® / AAdvantage® Executive World Elite™ Mastercard®
16.99% to 24.99% variable
$450
Earn 50000 American Airlines AAdvantage® bonus miles after making $5,000 in purchases within the first 3 months of account opening.
Citi Gold / AAdvantage World Mastercard
16.99% to 24.99% variable
0% Intro APR for 15 months (with whichever is greater, $5 or 3% balance transfer fee)
$0 annual fee for the first year ($50 thereafter)
Earn 25000 American Airlines AAdvantage® bonus miles after you spend $750 in purchases within the first 3 months of account opening.
Barclaycard Ring™ Mastercard®
10.49% variable
$0
A low, variable APR on purchases, balance transfers and cash advances.

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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.

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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    US Credit Card Offers

    Important Information*
    Deserve® Classic Card
    Deserve® Classic Card

    APR

    24.24
    variable

    Annual fee

    0 For the first year
    More info
    Luxury Card Mastercard® Gold Card™
    Luxury Card Mastercard® Gold Card™

    APR

    16.49
    variable

    Annual fee

    0 For the first year
    More info
    The First Access VISA® Credit Card
    The First Access VISA® Credit Card

    APR

    29.99
    variable

    Annual fee

    75 For the first year
    More info
    Indigo® Platinum Mastercard® Credit Card
    Indigo® Platinum Mastercard® Credit Card

    APR

    23.9
    variable

    Annual fee

    75 For the first year
    More info
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