Best Mastercard Credit Cards of 2021

Best Mastercard Credit Cards of 2021

The Citi® Double Cash Card – 18 month BT offer is the best Mastercard overall. With no annual fee, this card lets you Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

Citi is an advertising partner

Best Mastercard Credit Cards of July 2021

Cash back:

Citi® Double Cash Card – 18 month BT offer

  • On Citibank's Secure Website
No bonus

Groceries:

Capital One® Savor® Cash Rewards Credit Card

  • On Capital One's Secure Website
Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening

Excellent credit:

Citi® / AAdvantage® Executive World Elite Mastercard®

  • On Citibank's Secure Website
Earn 50,000 American Airlines AAdvantage® bonus miles after spending $5,000 in purchases within the first 3 months of account opening

Along with Visa and American Express, Mastercard is one of the largest and most widely accepted credit card networks in the world. Whether you're looking for a cashback card, a business card or anything else, there's surely an option for you on the Mastercard network. Below, we've highlighted our choices for the best Mastercard credit card offers.

Continue reading for a detailed look at the benefits and features of each Mastercard card. You can also check out our credit card comparison tool at the bottom of the page to see which Mastercard works best for your budget.

Why trust us?

To simplify the process of choosing the best Mastercard credit card for your needs, we've analyzed hundreds of credit cards across our ValuePenguin database and major card issuers' sites. We’ve compiled this list of the best Mastercards based on categories that include annual fee, rewards rates, limited time offers, welcome offers and more. None of our selections are influenced by our advertisers.

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Best Mastercard for rewards

Capital One® Savor® Cash Rewards Credit Card

Earn a one-time $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening

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Our verdict: Worth it for moderate spenders

The Capital One® Savor® Cash Rewards Credit Card is an excellent option for people who spend significantly on dining and entertainment. For a $95 annual fee, you’ll Earn unlimited 4% cash back on dining, entertainment & popular streaming services, plus 3% at grocery stores and 1% on other purchases. Otherwise, you'll be better off with a $0 annual fee Mastercard like the Citi® Double Cash Card – 18 month BT offer.

Top rewards rate on dining and entertainment

With the Capital One® Savor® Cash Rewards Credit Card, you'll earn one of the highest available rewards rates on dining and entertainment purchases at 4% cash back. A comparable non-Mastercard card would be the American Express® Gold Card, which also lets you Earn 4X Membership Rewards® Points at Restaurants, including takeout and delivery, and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X), and 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com. Terms apply. However, it comes with a much higher annual fee of $250, making this Capital One Mastercard reward card the better option.

For rates and fees of American Express® Gold Card, please click here.

  • Great rewards rates for dining, entertainment, streaming services and groceries
  • $95 annual fee
  • Not a great choice if you don't spend significantly in their specific categories
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch3 id=\"CapitalOneSavorCash\"\u003ECapital One\u00ae Savor\u00ae Cash Rewards Credit Card\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-Panel\" data-component-name=\"Panel\"\u003E\n \u003Cdiv class=\"PanelRoot-sc-1o7qkaw efMzqR\"\u003E\u003Cdiv class=\"Panel--content\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003EEarn a one-time $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening\u003C\/p\u003E\n\n\u003Cp\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"Panel\"\u003E{\"backgroundColor\":\"ice\",\"content\":\"\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003EEarn a one-time $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003E\",\"padding\":\"double\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EOur verdict: Worth it for moderate spenders\u003C\/h3\u003E\n\n\u003Cp\u003EThe \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Capital One Savor Cash Rewards Credit Card Review: Is It Worth Applying?\" href=\"https:\/\/www.valuepenguin.com\/capital-one-savor-rewards-credit-card\"\u003ECapital One\u00ae Savor\u00ae Cash Rewards Credit Card\u003C\/a\u003E\u003C\/span\u003E is an excellent option for people who spend significantly on dining and entertainment. For a $95 annual fee, you\u2019ll Earn unlimited 4% cash back on dining, entertainment & popular streaming services, plus 3% at grocery stores and 1% on other purchases. Otherwise, you'll be better off with a $0 annual fee Mastercard like the \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Best Mastercard for Cash Back\" href=\"https:\/\/www.valuepenguin.com\/best-mastercard-credit-cards#cashback\"\u003ECiti\u00ae Double Cash Card \u2013 18 month BT offer\u003C\/a\u003E\u003C\/span\u003E.\u003C\/p\u003E\n\n\u003Ch3\u003ETop rewards rate on dining and entertainment\u003C\/h3\u003E\n\n\u003Cp\u003EWith the Capital One\u00ae Savor\u00ae Cash Rewards Credit Card, you'll earn one of the highest available rewards rates on dining and entertainment purchases at 4% cash back. A comparable non-Mastercard card would be the \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"American Express Gold Card Review: Is It the Best Card for Dining and Supermarkets?\" href=\"https:\/\/www.valuepenguin.com\/american-express-gold-card\"\u003EAmerican Express\u00ae Gold Card\u003C\/a\u003E\u003C\/span\u003E, which also lets you Earn 4X Membership Rewards\u00ae Points at Restaurants, including takeout and delivery, and earn 4X Membership Rewards\u00ae points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X), and 3X Membership Rewards\u00ae points on flights booked directly with airlines or on amextravel.com. Terms apply. However, it comes with a much higher annual fee of $250, making this Capital One Mastercard reward card the better option.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeDisclaimer--root ShortcodeDisclaimer--root \"\u003E\n \u003Cdiv class=\"ContextualDisclaimer--root\"\u003E\n \u003Cp class=\"ContextualDisclaimer--copy\"\u003E\n \u003Cp\u003EFor rates and fees of American Express\u00ae Gold Card, please click \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"here\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/gold-card\/26129-10-0\/#terms-details?print\"\u003Ehere\u003C\/a\u003E\u003C\/span\u003E.\u003C\/p\u003E\n\n \n \u003C\/p\u003E\n\u003C\/div\u003E\n\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EBenefits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Great rewards rates for dining, entertainment, streaming services and groceries\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EDrawbacks\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n $95 annual fee\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Not a great choice if you don't spend significantly in their specific categories\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Best Mastercard for cash back

Citi® Double Cash Card – 18 month BT offer

  • On Citibank's Secure Website

$0

13.99% – 23.99% (Variable)

Excellent/Good

  • 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.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

Our verdict: Best for users who prefer simplicity

The Citi® Double Cash Card is an excellent Mastercard cashback card for people who value simplicity. For $0 annual fee, you'll Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. Most other flat-rate cashback cards typically only offer 1.5% back on purchases.

No rotating categories to manage

One of the best features of the Citi® Double Cash Card – 18 month BT offer is that it offers a strong rewards rate on all purchases without you needing to activate rotating bonus categories. With the Discover it® Cash Back and Chase Freedom Flex℠, for example, you'll have to activate the bonus categories every quarter to earn bonus cash back on purchases. In addition, both cards have a $1,500 cap on the purchases you can earn rewards on each quarter. The Citi® Double Cash Card is a better option if you'd prefer a simple card.

Competitive 0% for 18 months on Balance Transfers

The Citi® Double Cash Card also comes with an intro APR of 0% for 18 months on Balance Transfers, then a 13.99% – 23.99% (Variable) APR thereafter. This rate gives you the flexibility to take your time paying off a large debt.

  • $0 annual fee
  • Simple and valuable rewards structure
  • No rotating categories to manage
  • APR of 0% for 18 months on Balance Transfers (then a 13.99% – 23.99% (Variable) APR applies)
  • Other cashback cards offer higher rewards rates for specific categories
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class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--lock\" color=\"inherit\" name=\"lock\"\u003E\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"DisclaimersList--root\"\u003E\u003Cul class=\"DisclaimersList--unordered-list\"\u003E\u003Cli class=\"DisclaimersList--list-item\"\u003EOn Citibank's Secure Website\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--fields\"\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EAnnual Fee\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003E$0\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv 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class=\"BenefitsBox--field-content-value\"\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-StarRating\" data-component-name=\"StarRating\"\u003E\n \u003Cdiv class=\"StyledStarRating-sc-c10iah jKtZiW\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"StarRating\"\u003E{\"rating\":100,\"stars\":5}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--details-hidden\"\u003E\u003Cdiv class=\"BenefitsBox--details-content\"\u003E\u003Cul\u003E\u003Cli\u003EEarn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.\u003C\/li\u003E\u003Cli\u003ETo earn cash back, pay at least the minimum due on time.\u003C\/li\u003E\u003Cli\u003EBalance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% \u2013 23.99%, based on your creditworthiness.\u003C\/li\u003E\u003Cli\u003EBalance Transfers do not earn cash back.\u003C\/li\u003E\u003Cli\u003EIf you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.\u003C\/li\u003E\u003Cli\u003EThere is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.\u003C\/li\u003E\u003Cli\u003EThe standard variable APR for Citi Flex Plan is 13.99% \u2013 23.99% based on your creditworthiness. 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After that, the variable APR will be 13.99% \\u2013 23.99%, based on your creditworthiness.\\u003C\\\/li\\u003E\\u003Cli\\u003EBalance Transfers do not earn cash back.\\u003C\\\/li\\u003E\\u003Cli\\u003EIf you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.\\u003C\\\/li\\u003E\\u003Cli\\u003EThere is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.\\u003C\\\/li\\u003E\\u003Cli\\u003EThe standard variable APR for Citi Flex Plan is 13.99% \\u2013 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.\\u003C\\\/li\\u003E\\u003C\\\/ul\\u003E\",\"editorRating\":\"\\u003Cdiv class=\\\"ReactComponent--root\\\"\\u003E\\n \\u003Cdiv class=\\\"js-react-component-rendered js-react-component-StarRating\\\" data-component-name=\\\"StarRating\\\"\\u003E\\n \\u003Cdiv class=\\\"StyledStarRating-sc-c10iah jKtZiW\\\"\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"StarRating\\\"\\u003E{\\\"rating\\\":100,\\\"stars\\\":5}\\u003C\\\/script\\u003E\\n\\n\\u003C\\\/div\\u003E\",\"editorRatingTooltip\":\"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers. Learn more on how we \\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" rel=\\\"nofollow\\\" title=\\\"Credit Card Methodology\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/credit-card-methodology\\\"\\u003Ecalculate rewards\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E.\",\"featuredTitle\":\"Cash back\",\"hideTitle\":true,\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4595.png\",\"isUnavailable\":false,\"link\":\"\\\/credit-cards\\\/redirect\\\/710?url=_best-mastercard-credit-cards\",\"name\":\"Citi\\u00ae Double Cash Card \\u2013 18 month BT offer\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EOur verdict: Best for users who prefer simplicity\u003C\/h3\u003E\n\n\u003Cp\u003EThe \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Citi\u00ae Double Cash Card: Outstanding cashback rewards, few other benefits\" href=\"https:\/\/www.valuepenguin.com\/citi-double-cash-card\"\u003ECiti\u00ae Double Cash Card \u003C\/a\u003E\u003C\/span\u003E is an excellent Mastercard cashback card for people who value simplicity. For $0 annual fee, you'll Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. Most other flat-rate cashback cards typically only offer 1.5% back on purchases.\u003C\/p\u003E\n\n\u003Ch3\u003ENo rotating categories to manage\u003C\/h3\u003E\n\n\u003Cp\u003EOne of the best features of the Citi\u00ae Double Cash Card \u2013 18 month BT offer is that it offers a strong rewards rate on all purchases without you needing to activate rotating bonus categories. With the \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Discover it\u00ae Cash Back Credit Card Review: Is It A Good Value?\" href=\"https:\/\/www.valuepenguin.com\/discover-it-credit-card\"\u003EDiscover it\u00ae Cash Back\u003C\/a\u003E\u003C\/span\u003E and \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Chase Freedom Flex: Why This New Card Is a No-Brainer\" href=\"https:\/\/www.valuepenguin.com\/chase-freedom-flex-card\"\u003EChase Freedom Flex℠\u003C\/a\u003E\u003C\/span\u003E, for example, you'll have to activate the bonus categories every quarter to earn bonus cash back on purchases. In addition, both cards have a $1,500 cap on the purchases you can earn rewards on each quarter. The Citi\u00ae Double Cash Card is a better option if you'd prefer a simple card.\u003C\/p\u003E\n\n\u003Ch3\u003ECompetitive 0% for 18 months on Balance Transfers\u003C\/h3\u003E\n\n\u003Cp\u003EThe Citi\u00ae Double Cash Card also comes with an intro APR of 0% for 18 months on Balance Transfers, then a 13.99% \u2013 23.99% (Variable) APR thereafter. This rate gives you the flexibility to take your time paying off a large debt.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EBenefits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n $0 annual fee\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Simple and valuable rewards structure\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n No rotating categories to manage\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n APR of 0% for 18 months on Balance Transfers (then a 13.99% \u2013 23.99% (Variable) APR applies)\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EDrawbacks\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Other cashback cards offer higher rewards rates for specific categories\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Best Mastercard credit card for travel

Citi® / AAdvantage® Platinum Select® World Elite Mastercard®

Earn 50,000 American Airlines AAdvantage® bonus miles after $2,500 in purchases within the first 3 months of account opening

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Our verdict: Plenty of perks for frequent flyers

Whether you're a loyal American Airlines customer or only fly the carrier a few times a year, the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® is a great Mastercard travel card for earning airline miles. With this card, you’ll receive a competitive sign-up bonus, and you'll also Earn 2 AAdvantage® miles for every $1 spent at gas stations, restaurants, and on eligible American Airlines purchases.

Travel benefits on American Airlines

The Citi® / AAdvantage® Platinum Select® World Elite Mastercard® is a great option if you value perks while flying. On any American Airlines itinerary, you'll get preferred boarding, a 25% discount on eligible in-flight food and beverage purchases and one free checked bag for you and up to four companions. The checked bag benefit alone offers savings of $120 on baggage fees on a round-trip flight for you and a partner.

  • Solid sign-up bonus
  • Decent rewards rate
  • American Airlines travel benefits
  • Annual fee is waived for the first 12 months
  • You have to pay an annual fee after the first 12 months
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch3 id=\"CitiAAdvantage\"\u003ECiti\u00ae \/ AAdvantage\u00ae Platinum Select\u00ae World Elite Mastercard\u00ae\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-Panel\" data-component-name=\"Panel\"\u003E\n \u003Cdiv class=\"PanelRoot-sc-1o7qkaw efMzqR\"\u003E\u003Cdiv class=\"Panel--content\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003EEarn 50,000 American Airlines AAdvantage\u00ae bonus miles after $2,500 in purchases within the first 3 months of account opening\u003C\/p\u003E\n\n\u003Cp\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"Panel\"\u003E{\"backgroundColor\":\"ice\",\"content\":\"\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003EEarn 50,000 American Airlines AAdvantage\\u00ae bonus miles after $2,500 in purchases within the first 3 months of account opening\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003E\",\"padding\":\"double\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EOur verdict: Plenty of perks for frequent flyers\u003C\/h3\u003E\n\n\u003Cp\u003EWhether you're a loyal American Airlines customer or only fly the carrier a few times a year, the \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Citi\u00ae \/ AAdvantage\u00ae Platinum Select\u00ae World Elite Mastercard\u00ae Review\" href=\"https:\/\/www.valuepenguin.com\/travel\/platinum-select-aadvantage-world-mastercard\"\u003ECiti\u00ae \/ AAdvantage\u00ae Platinum Select\u00ae World Elite Mastercard\u00ae\u003C\/a\u003E\u003C\/span\u003E is a great Mastercard travel card for earning airline miles. With this card, you\u2019ll receive a competitive sign-up bonus, and you'll also Earn 2 AAdvantage\u00ae miles for every $1 spent at gas stations, restaurants, and on eligible American Airlines purchases.\u003C\/p\u003E\n\n\u003Ch3\u003ETravel benefits on American Airlines\u003C\/h3\u003E\n\n\u003Cp\u003EThe Citi\u00ae \/ AAdvantage\u00ae Platinum Select\u00ae World Elite Mastercard\u00ae is a great option if you value perks while flying. On any American Airlines itinerary, you'll get preferred boarding, a 25% discount on eligible in-flight food and beverage purchases and one free checked bag for you and up to four companions. The checked bag benefit alone offers savings of $120 on \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"A Guide to American Airlines Bag Fees\" href=\"https:\/\/www.valuepenguin.com\/travel\/guide-american-airlines-bag-fees\"\u003Ebaggage fees\u003C\/a\u003E\u003C\/span\u003E on a round-trip flight for you and a partner.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EBenefits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Solid sign-up bonus\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Decent rewards rate\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n American Airlines travel benefits\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Annual fee is waived for the first 12 months\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EDrawbacks\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n You have to pay an annual fee after the first 12 months\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Best Mastercard for groceries

Capital One SavorOne Cash Rewards Credit Card

  • On Capital One's Secure Website

$0

15.49% - 25.49% (Variable)

Excellent/Good

  • Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through January 2023
  • 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
  • 0% intro APR on purchases for 15 months; 15.49% - 25.49% variable APR after that
  • No foreign transaction fee
  • No annual fee

Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening

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Our verdict: The best $0-annual-fee card for groceries

The Capital One SavorOne Cash Rewards Credit Card allows cardmembers to Earn unlimited 3% Cash Back on dining and entertainment; 3% Cash Back on popular streaming services; 3% Cash Back at grocery stores; 1% Cash Back on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through January 2023. That hefty 3% cash back will really start to add up from weekly grocery visits, especially if you're buying groceries for the whole family.

All-around solid card

With a $0 annual fee, a nice sign-up bonus, an APR of 0% intro on purchases for 15 months; 15.49% - 25.49% (Variable) APR after that, AND no foreign transaction fees, this is a solid card for people who are looking to be rewarded for high spending on groceries and dining out.

  • Excellent rewards rates for specific categories
  • $0 annual fee
  • Nice sign-up bonus
  • APR of 0% intro on purchases for 15 months; 15.49% - 25.49% (Variable) APR after that
  • Foreign transaction fees: None
  • Not the best choice if you don't spend significantly in these specific categories
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch3 id=\"CapitalOneSavorOne\"\u003ECapital One SavorOne Cash Rewards Credit Card\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-BenefitsBox\" data-component-name=\"BenefitsBox\"\u003E\n \u003Cdiv class=\"BenefitsBox--root \"\u003E\u003Cdiv class=\"BenefitsBox--featured-title\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYJq ValuePenguinIcon--root ValuePenguinIcon--heart\" color=\"inherit\" name=\"heart\"\u003E\u003C\/span\u003EGroceries\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--inner\"\u003E\u003Cdiv class=\"BenefitsBox--content\"\u003E\u003Cdiv class=\"BenefitsBox--field-container\"\u003E\u003Cdiv class=\"BenefitsBox--field-affiliate-banner\"\u003E\u003Cdiv class=\"AffiliateBanner--root AffiliateBanner--align-left AffiliateBanner--fluid AffiliateBanner--context-credit-card-nested\"\u003E\u003Cdiv class=\"AffiliateBanner--inner\"\u003E\u003Cdiv class=\"AffiliateBanner--wrapper\"\u003E\u003Cdiv class=\"AffiliateBanner--image\"\u003E\u003Ca class=\"Link--root AffiliateBanner--image-link \" href=\"\/credit-cards\/redirect\/1165?url=_best-mastercard-credit-cards\" rel=\"nofollow\" target=\"_blank\" title=\"Capital One SavorOne Cash Rewards Credit Card\"\u003E\u003Cimg alt=\"Capital One SavorOne Cash Rewards Credit Card\" class=\"Image--root lazyload\" data-src=\"https:\/\/cdn.comparecards.com\/uploads\/images\/items\/4644.jpg\"\/\u003E\u003C\/a\u003E\u003C\/div\u003E\u003Cdiv class=\"AffiliateBanner--button\"\u003E\u003Cdiv class=\"AffiliateButtonV2--root \"\u003E\u003Ca class=\"Link--root Button--root Button--primary Button--fluid \" href=\"\/credit-cards\/redirect\/1165?url=_best-mastercard-credit-cards\" rel=\"nofollow\" target=\"_blank\" title=\"Apply Now\"\u003EApply Now\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--lock\" color=\"inherit\" name=\"lock\"\u003E\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"DisclaimersList--root\"\u003E\u003Cul class=\"DisclaimersList--unordered-list\"\u003E\u003Cli class=\"DisclaimersList--list-item\"\u003EOn Capital One's Secure Website\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--fields\"\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EAnnual Fee\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003E$0\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EAPR\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003E15.49% - 25.49% (Variable)\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003ECredit Needed\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003EExcellent\/Good\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EEditor's Rating\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field-content-value\"\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-StarRating\" data-component-name=\"StarRating\"\u003E\n \u003Cdiv class=\"StyledStarRating-sc-c10iah jKtZiW\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-half\" color=\"yellow\" name=\"star-half\"\u003E\u003C\/span\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"StarRating\"\u003E{\"rating\":90,\"stars\":5}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--details-hidden\"\u003E\u003Cdiv class=\"BenefitsBox--details-content\"\u003E\u003Cul\u003E\u003Cli\u003EEarn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening\u003C\/li\u003E\u003Cli\u003EEarn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart\u00ae and Target\u00ae), plus 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through January 2023\u003C\/li\u003E\u003Cli\u003ENo 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\u003C\/li\u003E\u003Cli\u003E0% intro APR on purchases for 15 months; 15.49% - 25.49% variable APR after that\u003C\/li\u003E\u003Cli\u003ENo foreign transaction fee\u003C\/li\u003E\u003Cli\u003ENo annual fee\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--toggle\"\u003E\u003Ca aria-label=\"Toggle Open\/Closed\" class=\"ToggleText--link BenefitsBox--toggle-text link small\"\u003E\u003Cspan\u003E\u003Cspan class=\"ToggleText--label\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--undefined\" color=\"inherit\"\u003E\u003C\/span\u003E\u003C\/span\u003E+ see card details\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"BenefitsBox\"\u003E{\"annualFee\":\"$0\",\"apr\":\"15.49% - 25.49% (Variable)\",\"bannerDisclaimers\":[\"On Capital One's Secure Website\"],\"buttonColor\":\"primary\",\"buttonIcon\":\"lock\",\"buttonText\":\"Apply Now\",\"context\":\" in context: Banner\",\"creditNeeded\":\"Excellent\\\/Good\",\"creditNeededTooltip\":\"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions.\",\"details\":\"\\u003Cul\\u003E\\u003Cli\\u003EEarn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening\\u003C\\\/li\\u003E\\u003Cli\\u003EEarn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart\\u00ae and Target\\u00ae), plus 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through January 2023\\u003C\\\/li\\u003E\\u003Cli\\u003ENo 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\\u003C\\\/li\\u003E\\u003Cli\\u003E0% intro APR on purchases for 15 months; 15.49% - 25.49% variable APR after that\\u003C\\\/li\\u003E\\u003Cli\\u003ENo foreign transaction fee\\u003C\\\/li\\u003E\\u003Cli\\u003ENo annual fee\\u003C\\\/li\\u003E\\u003C\\\/ul\\u003E\",\"editorRating\":\"\\u003Cdiv class=\\\"ReactComponent--root\\\"\\u003E\\n \\u003Cdiv class=\\\"js-react-component-rendered js-react-component-StarRating\\\" data-component-name=\\\"StarRating\\\"\\u003E\\n \\u003Cdiv class=\\\"StyledStarRating-sc-c10iah jKtZiW\\\"\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-half\\\" color=\\\"yellow\\\" name=\\\"star-half\\\"\\u003E\\u003C\\\/span\\u003E\\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"StarRating\\\"\\u003E{\\\"rating\\\":90,\\\"stars\\\":5}\\u003C\\\/script\\u003E\\n\\n\\u003C\\\/div\\u003E\",\"editorRatingTooltip\":\"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers. Learn more on how we \\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" rel=\\\"nofollow\\\" title=\\\"Credit Card Methodology\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/credit-card-methodology\\\"\\u003Ecalculate rewards\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E.\",\"featuredTitle\":\"Groceries\",\"hideTitle\":true,\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4644.jpg\",\"isUnavailable\":false,\"link\":\"\\\/credit-cards\\\/redirect\\\/1165?url=_best-mastercard-credit-cards\",\"name\":\"Capital One SavorOne Cash Rewards Credit Card\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-Panel\" data-component-name=\"Panel\"\u003E\n \u003Cdiv class=\"PanelRoot-sc-1o7qkaw efMzqR\"\u003E\u003Cdiv class=\"Panel--content\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003EEarn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening\u003C\/p\u003E\n\n\u003Cp\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"Panel\"\u003E{\"backgroundColor\":\"ice\",\"content\":\"\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003EEarn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003E\",\"padding\":\"double\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EOur verdict: The best $0-annual-fee card for groceries\u003C\/h3\u003E\n\n\u003Cp\u003EThe \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Capital One SavorOne Cash Rewards Credit Card Review: Should You Apply?\" href=\"https:\/\/www.valuepenguin.com\/capital-one-savor-one-credit-card-review\"\u003ECapital One SavorOne Cash Rewards Credit Card\u003C\/a\u003E\u003C\/span\u003E allows cardmembers to Earn unlimited 3% Cash Back on dining and entertainment; 3% Cash Back on popular streaming services; 3% Cash Back at grocery stores; 1% Cash Back on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through January 2023. That hefty 3% cash back will really start to add up from weekly grocery visits, especially if you're buying groceries for the whole family.\u003C\/p\u003E\n\n\u003Ch3\u003EAll-around solid card\u003C\/h3\u003E\n\n\u003Cp\u003EWith a $0 annual fee, a nice sign-up bonus, an APR of 0% intro on purchases for 15 months; 15.49% - 25.49% (Variable) APR after that, AND no foreign transaction fees, this is a solid card for people who are looking to be rewarded for high spending on groceries and dining out.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EBenefits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Excellent rewards rates for specific categories\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n $0 annual fee\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Nice sign-up bonus\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n APR of 0% intro on purchases for 15 months; 15.49% - 25.49% (Variable) APR after that\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Foreign transaction fees: None\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EDrawbacks\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Not the best choice if you don't spend significantly in these specific categories\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Best Mastercard credit card for college students

Deserve® EDU Mastercard for Students

  • On Deserve's Secure Website

$0

18.74% Variable

Good/Fair/Limited

  • Receive one year of Amazon Prime Student on Deserve after your first purchase with your new Deserve EDU Mastercard (Lifetime Value of $59).
  • Earn 1% Cash Back on all purchases with your Deserve EDU Mastercard. Once approved, you'll automatically start earning cash back on all purchases.
  • Feel secure with cell phone protection up to $600.
  • No deposit required. No annual fees.
  • No international transaction fees on purchases abroad so you can travel with confidence.
  • No Social Security Number required for international students to apply.
  • Refer A Friend Program: Refer anyone to Deserve using your personal referral code. Upon approval, card activation and use, you'll receive $30 and so will your referral. Referral bonuses are unlimited!
  • Manage and track your spending, set automatic payments and securely freeze your card all through one easy to use app.
  • See if you prequalify with no impact to your credit score in minutes.
  • Deserve Mastercards are issued by Celtic Bank, Member FDIC.
  • Enjoy Mastercard Platinum Benefits intended to make your life easier like Mastercard ID Theft Prevention™ and Master Rental®.

Our verdict: A good starter card, especially for international students

College students are often looking for a starter credit card to help them build good credit while they're still in school and their funds are limited. That's where the Deserve® EDU Mastercard for Students comes in. This card lets you Earn 1% unlimited cash back on ALL purchases with a $0 annual fee. That solid earning rate ranks this card among the best Mastercards for students. If you use it regularly enough, that cash back can really start to add up.

One year of Amazon Prime Student

New cardmembers will receive Up to $59 in statement credits for Amazon Prime Student when you spend $500 within the first three statements with your EDU card. That's a pretty great deal and can end up saving students tons of money throughout the year. With Amazon Prime Student, you'll get free one-day delivery, access to Prime Video and more.

No SSN required to apply

The Deserve® EDU Mastercard for Students is a great option for international students, since you don’t need a Social Security number to apply. It also offers a suite of useful benefits, such as no foreign transaction fees and cell phone protection up to $600. The only thing lacking with this card is a welcome bonus, but we feel that its other perks make up for it.

  • $0 annual fee
  • Solid earning rate for a student card
  • A free year of Amazon Prime Student
  • No SSN required to apply
  • Foreign transaction fees: None
  • Cell phone protection up to $600
  • No sign-up bonus
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class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--lock\" color=\"inherit\" name=\"lock\"\u003E\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"DisclaimersList--root\"\u003E\u003Cul class=\"DisclaimersList--unordered-list\"\u003E\u003Cli class=\"DisclaimersList--list-item\"\u003EOn Deserve's Secure Website\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--fields\"\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EAnnual Fee\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003E$0\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EAPR\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003E18.74% Variable\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003ECredit Needed\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003EGood\/Fair\/Limited\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EEditor's Rating\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field-content-value\"\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-StarRating\" data-component-name=\"StarRating\"\u003E\n \u003Cdiv class=\"StyledStarRating-sc-c10iah jKtZiW\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\" color=\"yellow\" name=\"star-empty\"\u003E\u003C\/span\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"StarRating\"\u003E{\"rating\":80,\"stars\":5}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--details-hidden\"\u003E\u003Cdiv class=\"BenefitsBox--details-content\"\u003E\u003Cul\u003E\u003Cli\u003EReceive one year of Amazon Prime Student on Deserve after your first purchase with your new Deserve EDU Mastercard (Lifetime Value of $59).\u003C\/li\u003E\u003Cli\u003EEarn 1% Cash Back on all purchases with your Deserve EDU Mastercard. Once approved, you'll automatically start earning cash back on all purchases.\u003C\/li\u003E\u003Cli\u003EFeel secure with cell phone protection up to $600.\u003C\/li\u003E\u003Cli\u003ENo deposit required. No annual fees.\u003C\/li\u003E\u003Cli\u003ENo international transaction fees on purchases abroad so you can travel with confidence.\u003C\/li\u003E\u003Cli\u003ENo Social Security Number required for international students to apply.\u003C\/li\u003E\u003Cli\u003ERefer A Friend Program: Refer anyone to Deserve using your personal referral code. Upon approval, card activation and use, you'll receive $30 and so will your referral. Referral bonuses are unlimited!\u003C\/li\u003E\u003Cli\u003EManage and track your spending, set automatic payments and securely freeze your card all through one easy to use app.\u003C\/li\u003E\u003Cli\u003ESee if you prequalify with no impact to your credit score in minutes.\u003C\/li\u003E\u003Cli\u003EDeserve Mastercards are issued by Celtic Bank, Member FDIC.\u003C\/li\u003E\u003Cli\u003EEnjoy Mastercard Platinum Benefits intended to make your life easier like Mastercard ID Theft Prevention\u2122 and Master Rental\u00ae.\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--toggle\"\u003E\u003Ca aria-label=\"Toggle Open\/Closed\" class=\"ToggleText--link BenefitsBox--toggle-text link small\"\u003E\u003Cspan\u003E\u003Cspan class=\"ToggleText--label\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--undefined\" color=\"inherit\"\u003E\u003C\/span\u003E\u003C\/span\u003E+ see card details\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"BenefitsBox\"\u003E{\"annualFee\":\"$0\",\"apr\":\"18.74% Variable\",\"bannerDisclaimers\":[\"On Deserve's Secure Website\"],\"buttonColor\":\"primary\",\"buttonIcon\":\"lock\",\"buttonText\":\"Apply Now\",\"context\":\" in context: Banner\",\"creditNeeded\":\"Good\\\/Fair\\\/Limited\",\"creditNeededTooltip\":\"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions.\",\"details\":\"\\u003Cul\\u003E\\u003Cli\\u003EReceive one year of Amazon Prime Student on Deserve after your first purchase with your new Deserve EDU Mastercard (Lifetime Value of $59).\\u003C\\\/li\\u003E\\u003Cli\\u003EEarn 1% Cash Back on all purchases with your Deserve EDU Mastercard. Once approved, you'll automatically start earning cash back on all purchases.\\u003C\\\/li\\u003E\\u003Cli\\u003EFeel secure with cell phone protection up to $600.\\u003C\\\/li\\u003E\\u003Cli\\u003ENo deposit required. No annual fees.\\u003C\\\/li\\u003E\\u003Cli\\u003ENo international transaction fees on purchases abroad so you can travel with confidence.\\u003C\\\/li\\u003E\\u003Cli\\u003ENo Social Security Number required for international students to apply.\\u003C\\\/li\\u003E\\u003Cli\\u003ERefer A Friend Program: Refer anyone to Deserve using your personal referral code. Upon approval, card activation and use, you'll receive $30 and so will your referral. Referral bonuses are unlimited!\\u003C\\\/li\\u003E\\u003Cli\\u003EManage and track your spending, set automatic payments and securely freeze your card all through one easy to use app.\\u003C\\\/li\\u003E\\u003Cli\\u003ESee if you prequalify with no impact to your credit score in minutes.\\u003C\\\/li\\u003E\\u003Cli\\u003EDeserve Mastercards are issued by Celtic Bank, Member FDIC.\\u003C\\\/li\\u003E\\u003Cli\\u003EEnjoy Mastercard Platinum Benefits intended to make your life easier like Mastercard ID Theft Prevention\\u2122 and Master Rental\\u00ae.\\u003C\\\/li\\u003E\\u003C\\\/ul\\u003E\",\"editorRating\":\"\\u003Cdiv class=\\\"ReactComponent--root\\\"\\u003E\\n \\u003Cdiv class=\\\"js-react-component-rendered js-react-component-StarRating\\\" data-component-name=\\\"StarRating\\\"\\u003E\\n \\u003Cdiv class=\\\"StyledStarRating-sc-c10iah jKtZiW\\\"\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\\\" color=\\\"yellow\\\" name=\\\"star-empty\\\"\\u003E\\u003C\\\/span\\u003E\\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"StarRating\\\"\\u003E{\\\"rating\\\":80,\\\"stars\\\":5}\\u003C\\\/script\\u003E\\n\\n\\u003C\\\/div\\u003E\",\"editorRatingTooltip\":\"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers. Learn more on how we \\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" rel=\\\"nofollow\\\" title=\\\"Credit Card Methodology\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/credit-card-methodology\\\"\\u003Ecalculate rewards\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E.\",\"featuredTitle\":\"College students\",\"hideTitle\":true,\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4412.png\",\"isUnavailable\":false,\"link\":\"\\\/credit-cards\\\/redirect\\\/1132?url=_best-mastercard-credit-cards\",\"name\":\"Deserve\\u00ae EDU Mastercard for Students\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EOur verdict: A good starter card, especially for international students\u003C\/h3\u003E\n\n\u003Cp\u003ECollege students are often looking for a starter credit card to help them build good credit while they're still in school and their funds are limited. That's where the \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Deserve\u00ae EDU Mastercard for Students Review: A Great Option for Students\" href=\"https:\/\/www.valuepenguin.com\/deserve-edu-credit-card-review\"\u003EDeserve\u00ae EDU Mastercard for Students\u003C\/a\u003E\u003C\/span\u003E comes in. This card lets you Earn 1% unlimited cash back on ALL purchases with a $0 annual fee. That solid earning rate ranks this card among the best Mastercards for students. If you use it regularly enough, that cash back can really start to add up.\u003C\/p\u003E\n\n\u003Ch3\u003EOne year of Amazon Prime Student\u003C\/h3\u003E\n\n\u003Cp\u003ENew cardmembers will receive Up to $59 in statement credits for Amazon Prime Student when you spend $500 within the first three statements with your EDU card. That's a pretty great deal and can end up saving students tons of money throughout the year. With Amazon Prime Student, you'll get free one-day delivery, access to Prime Video and more.\u003C\/p\u003E\n\n\u003Ch3\u003ENo SSN required to apply\u003C\/h3\u003E\n\n\u003Cp\u003EThe Deserve\u00ae EDU Mastercard for Students is a great option for international students, since you don\u2019t need a Social Security number to apply. It also offers a suite of useful benefits, such as no foreign transaction fees and cell phone protection up to $600. The only thing lacking with this card is a welcome bonus, but we feel that its other perks make up for it.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EBenefits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n $0 annual fee\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Solid earning rate for a student card\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n A free year of Amazon Prime Student\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n No SSN required to apply\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Foreign transaction fees: None\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Cell phone protection up to $600\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EDrawbacks\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n No sign-up bonus\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Best Mastercard for bad credit

Secured Mastercard® from Capital One

Our verdict: A low-cost option for building credit

The Secured Mastercard® from Capital One is a no-frills card for people who are trying to rebuild their credit. A refundable minimum security deposit of $49, $99 or $200 is required for this card, but once you make your deposit you'll get an initial credit line of $200. You'll also be automatically considered for a higher credit line in as little as six months.

$0 annual fee

One of the best (and only) perks of the Secured Mastercard® from Capital One is that it doesn’t charge an annual fee. It also doesn't charge any foreign transaction fees, which can be nice if you frequently travel abroad.

No sign-up bonus or other significant perks

This card doesn’t include a sign-up bonus or any rewards whatsoever on spending. While this can be a turn-off for prospective cardmembers, it's important to remember that the primary goal of a secured credit card is to build or repair bad credit. This type of card gives you the opportunity to establish beneficial spending habits so you can eventually graduate to an unsecured credit card.

  • Automatically considered for a higher credit line in six months
  • $0 annual fee
  • Foreign transaction fees: None
  • Requires a security deposit
  • No sign-up bonus
  • No rewards
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch3 id=\"CapitalOneSecured\"\u003ESecured Mastercard\u00ae from Capital One\u003C\/h3\u003E\n\n\u003Ch3\u003EOur verdict: A low-cost option for building credit\u003C\/h3\u003E\n\n\u003Cp\u003EThe \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Capital One Secured Mastercard\" href=\"https:\/\/www.valuepenguin.com\/capital-one-secured-mastercard\"\u003ESecured Mastercard\u00ae from Capital One\u003C\/a\u003E\u003C\/span\u003E is a no-frills card for people who are trying to rebuild their credit. A refundable minimum security deposit of $49, $99 or $200 is required for this card, but once you make your deposit you'll get an initial credit line of $200. You'll also be automatically considered for a higher credit line in as little as six months.\u003C\/p\u003E\n\n\u003Ch3\u003E$0 annual fee\u003C\/h3\u003E\n\n\u003Cp\u003EOne of the best (and only) perks of the Secured Mastercard\u00ae from Capital One is that it doesn\u2019t charge an annual fee. It also doesn't charge any foreign transaction fees, which can be nice if you frequently travel abroad.\u003C\/p\u003E\n\n\u003Ch3\u003ENo sign-up bonus or other significant perks\u003C\/h3\u003E\n\n\u003Cp\u003EThis card doesn\u2019t include a sign-up bonus or any rewards whatsoever on spending. While this can be a turn-off for prospective cardmembers, it's important to remember that the primary goal of a secured credit card is to build or repair bad credit. This type of card gives you the opportunity to establish beneficial spending habits so you can eventually graduate to an unsecured credit card.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EBenefits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Automatically considered for a higher credit line in six months\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n $0 annual fee\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Foreign transaction fees: None\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EDrawbacks\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Requires a security deposit\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n No sign-up bonus\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n No rewards\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Best Mastercard for small businesses

Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card

$300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening.

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Our verdict: High rewards for Bank of America customers

The Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card has one of the best rewards rates for business-related purchases, especially for a card with $0 annual fee. You'll Earn 3% cash back in the category of your choice, 2% cash back on dining and unlimited 1% cash back on all other purchases. You'll get 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.

Unrivaled rewards for a card with a $0 annual fee

If your business has expenses at gas stations and office supply stores, or one of the other six offered categories, the Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card will earn you one of the best rewards rates possible for those purchases. There are other business cards, like the American Express® Business Gold Card, that earn a higher rewards rate, but they often charge an annual fee.

Relationship bonus

One of the best features of the Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card is the relationship bonus for small business owners who bank with Bank of America. When you enroll in the Business Advantage Relationship Rewards program, you can qualify for up to an extra 75% cash back. This means that you could earn a rewards rate of up to 5.25% across varying categories.

  • $0 annual fee
  • Great rewards for business purchases
  • Bank of America relationship bonus
  • Other cards offer higher rewards rates in non-business related categories
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch3 id=\"BankofAmerica\"\u003EBank of America® Business Advantage Customized Cash Rewards Mastercard® credit card\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-Panel\" data-component-name=\"Panel\"\u003E\n \u003Cdiv class=\"PanelRoot-sc-1o7qkaw efMzqR\"\u003E\u003Cdiv class=\"Panel--content\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003E$300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening.\u003C\/p\u003E\n\n\u003Cp\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"Panel\"\u003E{\"backgroundColor\":\"ice\",\"content\":\"\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003E$300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening.\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003E\",\"padding\":\"double\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EOur verdict: High rewards for Bank of America customers\u003C\/h3\u003E\n\n\u003Cp\u003EThe \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Bank of America\u00ae Business Advantage Travel Rewards World Mastercard\u00ae credit card Review\" href=\"https:\/\/www.valuepenguin.com\/bank-america-business-advantage-travel-rewards-credit-card\"\u003EBank of America® Business Advantage Customized Cash Rewards Mastercard® credit card\u003C\/a\u003E\u003C\/span\u003E has one of the best rewards rates for business-related purchases, especially for a card with $0 annual fee. You'll Earn 3% cash back in the category of your choice, 2% cash back on dining and unlimited 1% cash back on all other purchases. You'll get 3% and 2% cash back on the first $50,000 in combined choice category\/dining purchases each calendar year, 1% thereafter. \u003C\/p\u003E\n\n\u003Ch3\u003EUnrivaled rewards for a card with a $0 annual fee\u003C\/h3\u003E\n\n\u003Cp\u003EIf your business has expenses at gas stations and office supply stores, or one of the other six offered categories, the Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card will earn you one of the best rewards rates possible for those purchases. There are other business cards, like the \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"The American Express\u00ae Business Gold Card: Is It A Good Business Card?\" href=\"https:\/\/www.valuepenguin.com\/american-express-business-gold-rewards-card\"\u003EAmerican Express\u00ae Business Gold Card\u003C\/a\u003E\u003C\/span\u003E, that earn a higher rewards rate, but they often charge an annual fee.\u003C\/p\u003E\n\n\u003Ch3\u003ERelationship bonus\u003C\/h3\u003E\n\n\u003Cp\u003EOne of the best features of the Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card is the relationship bonus for small business owners who bank with Bank of America. When you enroll in the Business Advantage Relationship Rewards program, you can qualify for up to an extra 75% cash back. This means that you could earn a rewards rate of up to 5.25% across varying categories.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EBenefits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n $0 annual fee\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Great rewards for business purchases\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Bank of America relationship bonus\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EDrawbacks\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Other cards offer higher rewards rates in non-business related categories\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Best Mastercard for balance transfers

Citi Simplicity® Card

  • On Citibank's Secure Website

$0

14.74% - 24.74% (Variable)

Excellent/Good

  • No Late Fees, No Penalty Rate, and No Annual Fee... Ever
  • 0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 14.74% - 24.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.
  • Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges

Our verdict: A good, no-frills option for paying off debt

The Citi Simplicity® Card is an excellent choice for people looking to get rid of high-interest credit card debt. While it doesn’t earn rewards, it has one of the longest intro APRs for balance transfers available: 0% for 18 months on Balance Transfers, then a 14.74% - 24.74% (Variable) APR applies.

No unnecessary fees

Aside from the introductory balance transfer period, the Citi Simplicity® Card is great because it never charges late fees or a penalty rate — and there’s also a $0 annual fee. While we suggest always paying your credit card bill on time, it's great to have the added cushion if you're in need of a little flexibility.

  • Intro APR of 0% for 18 months on Balance Transfers, then a 14.74% - 24.74% (Variable) APR applies.
  • No late fees or penalty rates
  • $0 annual fee
  • No rewards program
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch3 id=\"CitiSimplicity\"\u003ECiti Simplicity\u00ae Card\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-BenefitsBox\" data-component-name=\"BenefitsBox\"\u003E\n \u003Cdiv class=\"BenefitsBox--root \"\u003E\u003Cdiv class=\"BenefitsBox--featured-title\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYJq ValuePenguinIcon--root ValuePenguinIcon--heart\" color=\"inherit\" name=\"heart\"\u003E\u003C\/span\u003EBalance transfers\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--inner\"\u003E\u003Cdiv class=\"BenefitsBox--content\"\u003E\u003Cdiv class=\"BenefitsBox--field-container\"\u003E\u003Cdiv class=\"BenefitsBox--field-affiliate-banner\"\u003E\u003Cdiv class=\"AffiliateBanner--root AffiliateBanner--align-left AffiliateBanner--fluid AffiliateBanner--context-credit-card-nested\"\u003E\u003Cdiv class=\"AffiliateBanner--inner\"\u003E\u003Cdiv class=\"AffiliateBanner--wrapper\"\u003E\u003Cdiv class=\"AffiliateBanner--image\"\u003E\u003Ca class=\"Link--root AffiliateBanner--image-link \" href=\"\/credit-cards\/redirect\/170?url=_best-mastercard-credit-cards\" rel=\"nofollow\" target=\"_blank\" title=\"Citi Simplicity\u00ae Card\"\u003E\u003Cimg alt=\"Citi Simplicity\u00ae Card\" class=\"Image--root lazyload\" data-src=\"https:\/\/cdn.comparecards.com\/uploads\/images\/items\/4674.jpg\"\/\u003E\u003C\/a\u003E\u003C\/div\u003E\u003Cdiv class=\"AffiliateBanner--button\"\u003E\u003Cdiv class=\"AffiliateButtonV2--root \"\u003E\u003Ca class=\"Link--root Button--root Button--primary Button--fluid \" href=\"\/credit-cards\/redirect\/170?url=_best-mastercard-credit-cards\" rel=\"nofollow\" target=\"_blank\" title=\"Apply Now\"\u003EApply Now\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--lock\" color=\"inherit\" name=\"lock\"\u003E\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"DisclaimersList--root\"\u003E\u003Cul class=\"DisclaimersList--unordered-list\"\u003E\u003Cli class=\"DisclaimersList--list-item\"\u003EOn Citibank's Secure Website\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--fields\"\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EAnnual Fee\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003E$0\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EAPR\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003E14.74% - 24.74% (Variable)\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003ECredit Needed\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003EExcellent\/Good\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EEditor's Rating\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field-content-value\"\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-StarRating\" data-component-name=\"StarRating\"\u003E\n \u003Cdiv class=\"StyledStarRating-sc-c10iah jKtZiW\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-half\" color=\"yellow\" name=\"star-half\"\u003E\u003C\/span\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"StarRating\"\u003E{\"rating\":90,\"stars\":5}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--details-hidden\"\u003E\u003Cdiv class=\"BenefitsBox--details-content\"\u003E\u003Cul\u003E\u003Cli\u003ENo Late Fees, No Penalty Rate, and No Annual Fee... Ever\u003C\/li\u003E\u003Cli\u003E0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 14.74% - 24.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.\u003C\/li\u003E\u003Cli\u003EThere is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.\u003C\/li\u003E\u003Cli\u003EThe standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi\u2019s discretion.\u003C\/li\u003E\u003Cli\u003EStay protected with Citi\u00ae\u00a0Quick Lock and $0 liability on unauthorized charges\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--toggle\"\u003E\u003Ca aria-label=\"Toggle Open\/Closed\" class=\"ToggleText--link BenefitsBox--toggle-text link small\"\u003E\u003Cspan\u003E\u003Cspan class=\"ToggleText--label\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--undefined\" color=\"inherit\"\u003E\u003C\/span\u003E\u003C\/span\u003E+ see card details\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"BenefitsBox\"\u003E{\"annualFee\":\"$0\",\"apr\":\"14.74% - 24.74% (Variable)\",\"bannerDisclaimers\":[\"On Citibank's Secure Website\"],\"buttonColor\":\"primary\",\"buttonIcon\":\"lock\",\"buttonText\":\"Apply Now\",\"context\":\" in context: Banner\",\"creditNeeded\":\"Excellent\\\/Good\",\"creditNeededTooltip\":\"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions.\",\"details\":\"\\u003Cul\\u003E\\u003Cli\\u003ENo Late Fees, No Penalty Rate, and No Annual Fee... Ever\\u003C\\\/li\\u003E\\u003Cli\\u003E0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 14.74% - 24.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.\\u003C\\\/li\\u003E\\u003Cli\\u003EThere is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.\\u003C\\\/li\\u003E\\u003Cli\\u003EThe standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi\\u2019s discretion.\\u003C\\\/li\\u003E\\u003Cli\\u003EStay protected with Citi\\u00ae\\u00a0Quick Lock and $0 liability on unauthorized charges\\u003C\\\/li\\u003E\\u003C\\\/ul\\u003E\",\"editorRating\":\"\\u003Cdiv class=\\\"ReactComponent--root\\\"\\u003E\\n \\u003Cdiv class=\\\"js-react-component-rendered js-react-component-StarRating\\\" data-component-name=\\\"StarRating\\\"\\u003E\\n \\u003Cdiv class=\\\"StyledStarRating-sc-c10iah jKtZiW\\\"\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-half\\\" color=\\\"yellow\\\" name=\\\"star-half\\\"\\u003E\\u003C\\\/span\\u003E\\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"StarRating\\\"\\u003E{\\\"rating\\\":90,\\\"stars\\\":5}\\u003C\\\/script\\u003E\\n\\n\\u003C\\\/div\\u003E\",\"editorRatingTooltip\":\"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers. Learn more on how we \\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" rel=\\\"nofollow\\\" title=\\\"Credit Card Methodology\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/credit-card-methodology\\\"\\u003Ecalculate rewards\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E.\",\"featuredTitle\":\"Balance transfers\",\"hideTitle\":true,\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4674.jpg\",\"isUnavailable\":false,\"link\":\"\\\/credit-cards\\\/redirect\\\/170?url=_best-mastercard-credit-cards\",\"name\":\"Citi Simplicity\\u00ae Card\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EOur verdict: A good, no-frills option for paying off debt\u003C\/h3\u003E\n\n\u003Cp\u003EThe \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Citi Simplicity\u00ae Card: One of the Best 0% APR Cards\" href=\"https:\/\/www.valuepenguin.com\/citi-simplicity-card\"\u003ECiti Simplicity\u00ae Card\u003C\/a\u003E\u003C\/span\u003E is an excellent choice for people looking to get rid of high-interest credit card debt. While it doesn\u2019t earn rewards, it has one of the longest intro APRs for balance transfers available: 0% for 18 months on Balance Transfers, then a 14.74% - 24.74% (Variable) APR applies.\u003C\/p\u003E\n\n\u003Ch3\u003ENo unnecessary fees\u003C\/h3\u003E\n\n\u003Cp\u003EAside from the introductory balance transfer period, the Citi Simplicity\u00ae Card is great because it never charges late fees or a penalty rate \u2014 and there\u2019s also a $0 annual fee. While we suggest always paying your credit card bill on time, it's great to have the added cushion if you're in need of a little flexibility.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EBenefits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Intro APR of 0% for 18 months on Balance Transfers, then a 14.74% - 24.74% (Variable) APR applies.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n No late fees or penalty rates\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n $0 annual fee\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EDrawbacks\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n No rewards program\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Best Mastercard for excellent credit

Citi® / AAdvantage® Executive World Elite Mastercard®

  • On Citibank's Secure Website

$450

15.99% - 24.99% (Variable)

Excellent/Good

  • 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 up to two guests or immediate family members traveling with you
  • Earn 10,000 AAdvantage® Elite Qualifying Miles (EQMs) after you spend $40,000 in purchases within the year
  • No Foreign Transaction Fees on purchases
  • 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
  • The standard variable APR for Citi Flex Plan is 15.99% - 24.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

Earn 50,000 American Airlines AAdvantage® bonus miles after spending $5,000 in purchases within the first 3 months of account opening

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Our verdict: Sweet airline perks for cardholders with dazzling credit scores

The Citi® / AAdvantage® Executive World Elite Mastercard® is a great card for those with Excellent/Good credit. With this card you'll Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases & 1 AAdvantage® mile for every $1 spent on other purchases, and 10,000 AAdvantage® Elite Qualifying Miles (EQMs) after you spend $40,000 in purchases within the year.

Incredible travel perks

This card has all the bells and whistles of a premium card, including a stellar sign-up bonus, 0% foreign transaction fees, Admirals Club membership and VIP airport perks. If you frequently fly American Airlines, this card could be extremely useful for you.

High annual fee

This card charges an annual fee of $450. Still, believe it or not, that's actually pretty mild for a premium credit card — not to mention several of the travel perks (especially lounge access) can help offset the annual fee.

  • Solid sign-up bonus
  • Decent rewards rate
  • Great travel perks
  • 0% foreign transaction fees
  • Admirals Club membership
  • High annual fee
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Each creditor uses a variety of different types of credit scores to make lending decisions.\",\"details\":\"\\u003Cul\\u003E\\u003Cli\\u003EEarn 50,000 American Airlines AAdvantage\\u00ae bonus miles after spending $5,000 in purchases within the first 3 months of account opening\\u003C\\\/li\\u003E\\u003Cli\\u003EAdmirals Club\\u00ae membership for you and access for up to two guests or immediate family members traveling with you\\u003C\\\/li\\u003E\\u003Cli\\u003EEarn 10,000 AAdvantage\\u00ae Elite Qualifying Miles (EQMs) after you spend $40,000 in purchases within the year\\u003C\\\/li\\u003E\\u003Cli\\u003ENo Foreign Transaction Fees on purchases\\u003C\\\/li\\u003E\\u003Cli\\u003EEarn 2 AAdvantage\\u00ae miles for every $1 spent on eligible American Airlines purchases and 1 AAdvantage\\u00ae mile for every $1 spent on other purchases\\u003C\\\/li\\u003E\\u003Cli\\u003EFirst checked bag is free on domestic American Airlines itineraries for you and up to 8 companions traveling with you on the same reservation\\u003C\\\/li\\u003E\\u003Cli\\u003EThe standard variable APR for Citi Flex Plan is 15.99% - 24.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.\\u003C\\\/li\\u003E\\u003C\\\/ul\\u003E\",\"editorRating\":\"\\u003Cdiv class=\\\"ReactComponent--root\\\"\\u003E\\n \\u003Cdiv class=\\\"js-react-component-rendered js-react-component-StarRating\\\" data-component-name=\\\"StarRating\\\"\\u003E\\n \\u003Cdiv class=\\\"StyledStarRating-sc-c10iah jKtZiW\\\"\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\\\" color=\\\"yellow\\\" name=\\\"star-empty\\\"\\u003E\\u003C\\\/span\\u003E\\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"StarRating\\\"\\u003E{\\\"rating\\\":80,\\\"stars\\\":5}\\u003C\\\/script\\u003E\\n\\n\\u003C\\\/div\\u003E\",\"editorRatingTooltip\":\"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers. Learn more on how we \\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" rel=\\\"nofollow\\\" title=\\\"Credit Card Methodology\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/credit-card-methodology\\\"\\u003Ecalculate rewards\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E.\",\"featuredTitle\":\"Excellent credit\",\"hideTitle\":true,\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4428.png\",\"isUnavailable\":false,\"link\":\"\\\/credit-cards\\\/redirect\\\/866?url=_best-mastercard-credit-cards\",\"name\":\"Citi\\u00ae \\\/ AAdvantage\\u00ae Executive World Elite Mastercard\\u00ae\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-Panel\" data-component-name=\"Panel\"\u003E\n \u003Cdiv class=\"PanelRoot-sc-1o7qkaw efMzqR\"\u003E\u003Cdiv class=\"Panel--content\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003EEarn 50,000 American Airlines AAdvantage\u00ae bonus miles after spending $5,000 in purchases within the first 3 months of account opening\u003C\/p\u003E\n\n\u003Cp\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"Panel\"\u003E{\"backgroundColor\":\"ice\",\"content\":\"\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003EEarn 50,000 American Airlines AAdvantage\\u00ae bonus miles after spending $5,000 in purchases within the first 3 months of account opening\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003E\",\"padding\":\"double\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EOur verdict: Sweet airline perks for cardholders with dazzling credit scores\u003C\/h3\u003E\n\n\u003Cp\u003EThe \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Citi\u00ae \/ AAdvantage\u00ae Executive World Elite MasterCard\u00ae: Is it Worth It?\" href=\"https:\/\/www.valuepenguin.com\/citi-executive-aadvantage-world-elite-mastercard\"\u003ECiti\u00ae \/ AAdvantage\u00ae Executive World Elite Mastercard\u00ae\u003C\/a\u003E\u003C\/span\u003E is a great card for those with Excellent\/Good credit. With this card you'll Earn 2 AAdvantage\u00ae miles for every $1 spent on eligible American Airlines purchases & 1 AAdvantage\u00ae mile for every $1 spent on other purchases, and 10,000 AAdvantage\u00ae Elite Qualifying Miles (EQMs) after you spend $40,000 in purchases within the year.\u003C\/p\u003E\n\n\u003Ch3\u003EIncredible travel perks\u003C\/h3\u003E\n\n\u003Cp\u003EThis card has all the bells and whistles of a premium card, including a stellar sign-up bonus, 0% foreign transaction fees, Admirals Club membership and VIP airport perks. If you frequently fly American Airlines, this card could be extremely useful for you.\u003C\/p\u003E\n\n\u003Ch3\u003EHigh annual fee\u003C\/h3\u003E\n\n\u003Cp\u003EThis card charges an annual fee of $450. Still, believe it or not, that's actually pretty mild for a premium credit card \u2014 not to mention several of the travel perks (especially lounge access) can help offset the annual fee.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EBenefits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Solid sign-up bonus\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Decent rewards rate\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Great travel perks\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n 0% foreign transaction fees\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Admirals Club membership\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EDrawbacks\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n High annual fee\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Compare best Mastercard credit cards

Sign-up bonus
Earning rate
Annual fee
Rewards: Capital One® Savor® Cash Rewards Credit Card
unavailable credit card
Earn a one-time $300 cash bonus once you spend $3,000 on purchases within 3 months from account openingEarn unlimited 4% cash back on dining, entertainment & popular streaming services, plus 3% at grocery stores and 1% on other purchases.$95Read Review
Cash back: Citi® Double Cash Card – 18 month BT offer
Citi® Double Cash Card – 18 month BT offer
No bonusEarn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.$0
Apply Now
  • On Citibank's Secure Website
Travel: Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
unavailable credit card
Earn 50,000 American Airlines AAdvantage® bonus miles after $2,500 in purchases within the first 3 months of account openingEarn 2 AAdvantage® miles for every $1 spent at gas stations, restaurants, and on eligible American Airlines purchases$99, waived for first 12 monthsRead Review
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Types of Mastercard credit cards

There are several different types of Mastercard credit cards to be aware of when deciding to open a new card. Choosing the right type of Mastercard will depend on what you're hoping to get out of your card and how much you're willing to spend on card membership.

Standard and Gold Mastercard

The Standard and Gold Mastercards are perfect for everyday spending and are widely accepted globally. These cards come with the benefit of added protection, including things like:

  • Zero liability protection
  • Mastercard ID theft protection
  • Mastercard Global Services (allows you to get emergency virtual assistance anytime, anywhere and in any language)

Platinum and Titanium Mastercard

The Platinum and Titanium Mastercards are premium credit cards that offer a host of luxurious perks and benefits unavailable to other cardmembers.

These cards come with the same protections as the Standard and Gold Mastercards, including zero liability protection and Mastercard Global Services, but take things a step further by including a number of other exclusive benefits.

Some of these are specially curated Mastercard offers and benefits ranging from travel to sports and beyond. Also included are Mastercard Privileges, which comprise a range of local and global experiences across dining, travel, retail and entertainment. The only downside is that typically these types of premium cards typically cost more to own.

World Mastercard

The World Mastercard is the best Mastercard for international travel, as it comes with a host of unique travel benefits. Some of the other notable features that come with this card include:

  • Special offers on ride-sharing, food delivery, online shopping and more
  • Additional protections, including global emergency services and cell phone protection
  • Exclusive travel and golf experiences
  • Complimentary professional travel services
  • Dedicated airport concierges
  • Free nights and status upgrades for hotels, rental cars, flights, private jets and much more

World Elite Mastercard

The World Elite Mastercard takes the travel benefits of the World Mastercard and adds the element of luxury.

This premium credit card offers all the travel protections, special offers on things like ride-sharing and food delivery and exclusive travel and entertainment experiences as the other Mastercard categories — and then some.

For example, with the World Elite Mastercard you can get complimentary amenities and upgrades at more than 3,000-plus properties around the globe, like complimentary breakfast for two daily, amenity credits up to $100 and more.

Mastercard benefits

It would be rare to find a vendor anywhere in the world that accepts credit cards that does not accept Mastercard. This makes Mastercard a versatile option when deciding what type of card to get.

Regardless of which Mastercard you choose, rest assured your card will come with a host of helpful security benefits. Some of these include zero liability protection and Mastercard Global Services, which allows you to get emergency virtual assistance any time, anywhere, and in any language.

Depending on your specific Mastercard, you may be eligible for a variety of travel protections and benefits, including:

  • Baggage delay insurance
  • Car rental collision damage waiver insurance
  • Lost or damaged luggage insurance
  • Travel accident insurance
  • Trip cancellation insurance
  • Mastercard Global Services, which grants 24/7 global virtual emergency assistance.

Depending on your particular Mastercard, you may be eligible to receive access to the following special offers:

  • Mastercard Access™ allows you to enjoy exceptional offers from upscale retailers, hotels and resorts, and concerts and events
  • Access to special Mastercard promotions and offers
  • Premier events and offers in varying cities with Mastercard Priceless Cities

Depending on your specific Mastercard, you may be eligible for a number of exclusive travel benefits:

  • Concierge services, which include things like dinner reservations, ticket bookings, locating hard-to-find items, buying and delivering gifts and coordinating business-related arrangements.
  • Luxury travel benefits, which include unique travel experiences, special amenities and world-class travel services, benefits and premium offers, and access to our 24/7 travel advisors.
  • Travel assistance services, which include pre-trip destination information such as visa/passport requirements, immunization and healthcare services, assistance with lost/stolen travel documents and luggage as well as referrals to attorneys, local embassies and consulates if you are traveling more than 100 miles from home.

Which Mastercard is best for me?

The type of Mastercard you choose will largely depend on your personal spending habits and preferences.

  • For example, if you’d rather not pay an annual fee, but still want to earn rewards on your spending, consider the Citi® Double Cash Card , which allows you to do just that.
  • If you're a student with a limited credit history, but still want a card that lets you earn rewards, the Deserve® EDU Mastercard for Students will be the perfect card for you.

Luckily, there is a Mastercard for nearly every type of consumer. Choosing the right card can be daunting, but when you examine where you typically spend the most, making the right choice will become much simpler.

Mastercard FAQs

What is the best credit card for Mastercard?

The best credit card for Mastercard will depend on what you're specifically looking for and what you want to get out of your card. For example, if you're looking for a card with no annual fee that also earns rewards, the Citi® Double Cash Card could be the best Mastercard to apply for.

Which credit card is best: Visa or Mastercard?

If you're wondering which is the best, Mastercard or Visa, the truth is that both cards are very similar. Both Visa and Mastercard offer similar benefits, are equally as secure and are widely accepted globally, more so than cards like Discover or American Express. On the whole, Mastercard tends to offer more benefits than Visa, so if extra benefits are your thing, you might take that into consideration when choosing a card.

What is the most prestigious Mastercard?

Of the types of Mastercard available, the most prestigious is the World Elite Mastercard. This card comes with a number of exclusive benefits, including items like travel protections, complimentary upgrades and free nights at luxury hotels, specially curated travel and entertainment experiences and more.

Does Mastercard have foreign transaction fees?

Whether or not your Mastercard charges foreign transaction fees will depend on your specific card. Mastercard offers a number of credit cards that do not charge foreign transaction fees.

Which credit card has no foreign transaction fee?

Mastercard offers a number of credit cards that do not charge foreign transaction fees. Two examples of the best mastercards with no foreign transaction fees include the Capital One SavorOne Cash Rewards Credit Card and the Deserve® EDU Mastercard for Students. These types of cards are best for international transactions.

What's a Mastercard?

Mastercard is one of the world's largest payment networks which also has its own Mastercard-branded credit cards. Mastercard credit cards are accepted all over the world and often come with special perks and benefits for cardholders.

What does a Mastercard look like?

Every Mastercard will look different depending on what type of card it is. However, the one thing all of these cards will have in common is the Mastercard logo in the bottom right hand corner — this consists of two overlapping red and orange circles.

For rates and fees of American Express® Gold Card, please click here.

The information related to American Express® Business Gold Card, Capital One® Savor® Cash Rewards Credit Card, Citi® / AAdvantage® Platinum Select® World Elite Mastercard®, Secured Mastercard® from Capital One and Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card has been independently collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply to American Express credit card offers. See americanexpress.com for more information.

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

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How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125).