Credit Cards
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Advertiser Disclosure

Advertiser Disclosure: Some of the card offers that appear on this website are from companies which ValuePenguin receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). The site does not review or include all companies or all available products.

Disclaimer: The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author's alone. For a full list of our advertisers, see our disclosure page.

Opinions, analyses, reviews, or recommendations expressed here are the author’s alone, and have not been reviewed or endorsed by the issuer. We may be compensated through the issuer’s Affiliate Program. For a full list of our advertisers see our disclosure page.

Best Mastercard Credit Cards: 2018 Editors' Picks

Our editors combed through hundreds of offers to find the best Mastercard credit cards on the market, and categorized them according to categories that fulfill a certain need. For consumers who would like to do the groundwork themselves, we also put together a tool that helps you compare dozens of Mastercard cards based on your inputs. Either of these resources can help you find the ideal card for your wallet.

Compare Mastercard Credit Cards

We built a comparison tool that allows you to compare Mastercard credit cards based on how you use them. Enter your estimated monthly expenditures by category, and our tool will give you our estimate for each card's value. You should keep in mind that this comparison is best for people with average to excellent credit looking for a rewards credit card. If you're after a low-interest credit card or one for rebuilding your credit, we suggest looking at our Editors' Picks below.

Assumptions Based On Monthly Spend of: $1,430 Edit
General:
U.S. Gas Stations:
U.S. Supermarkets:
Airlines:
Hotel:
U.S. Restaurants:
Office:
Utilities:
Computing:
Card Annual Fee 2-yr Net Rewards Rate

The Net Rewards Rate is equal to the Rewards Value over two years divided by the total spending. The total spending is equal to the values entered into the tool and multiplied by 24 months. See the rewards Value note to see details on how it is calculated.

The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. All estimates are based on the spend assumptions entered above (which you can edit).

Bonus Value

The bonus field shows our estimate for the value of the card’s welcome bonus. If the bonus is point or mile based, we multiply the total bonus points/miles by our estimate for their value to arrive at a dollar equivalent. We display $0 if there is no bonus or if the user doesn’t qualify for the bonus based on the current spending entered into the tool. All estimates are based on the spend assumptions entered above (which you can edit).

The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

2-yr Rewards Value

The Rewards value is calculated by adding together the rewards earned from charging purchases to the card over two years and any welcome bonuses (if applicable). They are then multiplied by our estimated point/mile value, with any annual fees (if applicable) subtracted. All values are based on our own estimates for the dollar value of any points, miles or bonuses earned using a card and on the spend assumptions entered above (which you can edit).

The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Virgin Atlantic World Elite MasterCard® Credit Card
Image of Virgin Atlantic World Elite MasterCard® Credit Card $90 4.89%
$520
Earn 20,000 bonus Flying Club miles after your first purchase
$1,678
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 51,480 x $0.026 = $1,338
Bonuses
20,000 x $0.026 = $520
Less Annual Fees -$180
Total Net Estimated Rewards Through 24 Months 1,678

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $90
APR 14.24%

Card Details

  • Earn 20,000 bonus Flying Club miles after your first purchase
  • 3 Flying Club miles per $1 on Virgin Atlantic purchases
  • 1.5 Flying Club miles per $1 on all other purchases
  • Earn 1 tier point per $2,500 in purchases (maximum of 2 per month) and additional tier points when you fly Virgin Atlantic or airline partners
  • Get a second reward ticket for half the miles when you redeem Flying Club miles for a Virgin Atlantic Economy reward ticket (must spend $25,000+ in purchases annually)
Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®
$0 Intro Annual Fee for the first year then $95 3.51%
$837
Earn 60,000 American Airlines AAdvantage bonus miles after $3,000 in purchases the first 3 months
$1,205
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.014 = $463
Bonuses
60,000 x $0.014 = $810
1,000 x $0.014 = $14
1,000 x $0.014 = $14
Less Annual Fees -$95
Total Net Estimated Rewards Through 24 Months 1,205

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0 Intro Annual Fee for the first year then $95
APR 13.99%, 17.99% or 21.99% Variable

Card Details

  • 2 AAdvantage miles for every $1 spent on American Airlines
  • 1 mile for every $1 spent otherwise
  • First checked bag free for you and up to four traveling companions
  • Priority boarding
  • 25% discount on in-flight purchases
CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®
$0 Intro Annual Fee for the first year then $95 3.43%
$810
Earn 60,000 bonus miles after you spend $3,000 in the first 3 months
$1,178
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.014 = $463
Bonuses
60,000 x $0.014 = $810
Less Annual Fees -$95
Total Net Estimated Rewards Through 24 Months 1,178

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0 Intro Annual Fee for the first year then $95
APR 15.24%

Card Details

  • 2 miles for every $1 you spend on American Airlines
  • 1 mile for every $1 spent on other purchases
  • First checked bag free for you and up to four traveling companions
  • Priority boarding
  • 25% discount on in-flight purchases
Barclaycard Arrival Plus® World Elite Mastercard®
$89 - Waived first year 3.06%
$420
Earn 40,000 bonus miles after you spend $3,000 on purchases in the first 90 days - that's enough to redeem for a $400 travel statement credit
$1,052
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 68,640 x $0.011 = $721
Bonuses
40,000 x $0.011 = $420
Less Annual Fees -$89
Total Net Estimated Rewards Through 24 Months 1,052

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $89 - Waived first year
APR 17.24%, 21.24% or 24.24% Variable

Card Details

  • Enjoy 40,000 bonus miles after you spend $3,000 on purchases in the first 90 days - that's enough to redeem for a $400 travel statement credit toward an eligible travel purchase
  • Earn 2X miles on all purchases
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • Miles don't expire as long as your account is open, active and in good standing
  • No foreign transaction fees on purchases made while traveling abroad
  • 0% introductory APR for 12 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 17.24%, 21.24% or 24.24%, based on your creditworthiness.
  • There is a fee for balance transfers.
Amtrak Guest Rewards® World MasterCard®
Image of Amtrak Guest Rewards® World MasterCard® $79 2.55%
$380
Get 20,000 bonus points after you spend $1,000 in purchases on your new card within 90 days of account opening
$874
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.019 = $652
Bonuses
20,000 x $0.019 = $380
Less Annual Fees -$158
Total Net Estimated Rewards Through 24 Months 874

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $79
APR 12.99% to 22.99% Variable

Card Details

  • Get 20,000 bonus points after you spend $1,000 in purchases on your new card within 90 days of account opening
  • 3 Amtrak Guest Rewards points for every $1 you spend with Amtrak
  • 2 points per $1 spent on all other eligible travel purchases
  • 1 point per $1 on all other purchases
  • To welcome you to your new card, you'll also receive a complimentary Companion Coupon, One-Class Upgrade and a single-day ClubAcela® pass
Amtrak Guest Rewards® Platinum Mastercard®
Image of Amtrak Guest Rewards® Platinum Mastercard® No Annual Fee 2.56%
$228
12,000 bonus points can be yours after you spend at least $1,000 in purchases within 90 days of account opening
$880
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.019 = $652
Bonuses
12,000 x $0.019 = $228
Total Net Estimated Rewards Through 24 Months 880

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 12.99% to 22.99% Variable

Card Details

  • 12,000 bonus points can be yours after you spend at least $1,000 in purchases within 90 days of account opening
  • Earn 2 Amtrak Guest Rewards` points for every $1 you spend on Amtrak travel, including onboard purchases
  • 1 point per $1 everywhere else
  • No annual fee
  • No Foreign Transaction Fees
  • 5% Amtrak Guest Rewards point rebate when you book your Amtrak redemption travel
Citi® / AAdvantage® Gold World Elite™ Mastercard®
$50 2.04%
$338
Earn 25,000 American Airlines AAdvantage bonus miles after $700 in purchases the first 3 months
$701
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.014 = $463
Bonuses
25,000 x $0.014 = $338
Less Annual Fees -$100
Total Net Estimated Rewards Through 24 Months 701

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $50
APR 13.99%, 17.99% or 21.99% Variable

Card Details

  • Earn 25,000 American Airlines AAdvantage bonus miles after $700 in purchases the first 3 months
  • 1 AAdvantage mile for every $1 spent
  • Save 25% on eligible in-flight food and beverage purchases
  • No blackout dates on award travel
  • No spending limit
PayPal Cashback Mastercard®
No Annual Fee 2.00%
$0
$686
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 686 x $1 = $686
Total Net Estimated Rewards Through 24 Months 686

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 16.99%, 24.99% or 27.99% Variable

Card Details

  • No annual fee
  • No restrictions on the type of purchases you can make to earn cash back
  • No rotating categories to keep track of, just 2% cash back on every purchase, every day
  • Redeem your Cash Rewards directly into your PayPal balance
  • Requires PayPal account
  • No redemption threshold
IHG® Rewards Club Select Credit Card
$0 Intro Annual Fee for the first year then $49 2.17%
$480
Earn 80,000 bonus points after you spend $1,000 in the first 3 months of account opening
$746
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 52,560 x $0.006 = $315
Bonuses
80,000 x $0.006 = $480
Less Annual Fees -$49
Total Net Estimated Rewards Through 24 Months 746

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0 Intro Annual Fee for the first year then $49
APR 17.24% - 24.24% Variable

Card Details

  • Earn 80,000 bonus points after you spend $1,000 in the first 3 months of account opening
  • Earn 60,000 bonus points after you spend $1,000 on purchases in the first 3 months from account opening
  • Enjoy an Anniversary Night each year of card membership at over 5,000 hotels worldwide
  • Earn 5 points for each $1 spent at our hotels
  • Earn 2 points per $1 spent on purchases at gas stations, grocery stores and restaurants
  • IHG Rewards Club Bonus points are redeemable at hotels such as InterContinental® Hotels & Resorts, Crowne Plaza® Hotels & Resorts and Holiday Inn®
  • Automatic platinum elite status, as long as you remain a cardmember
  • Automatic 10% points rebate on redemptions
  • $0 introductory annual fee the first year, then $49
Capital One® Savor℠ Cash Rewards Credit Card
$0 1.99%
$150
$150 once you spend $500 on purchases within the first 3 months
$683
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 53,280 x $0.01 = $533
Bonuses
0 x $0.01 = $150
Total Net Estimated Rewards Through 24 Months 683

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR 15.74% - 24.49% (Variable)

Card Details

  • Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining, 2% on groceries and 1% on all other purchases
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 9 months; 15.74%-24.49% variable APR after that
  • 0% intro APR on balance transfers for 9 months; 15.74%-24.49% variable APR after that; 3% fee on the amounts transferred within the first 9 months
  • No annual fee
  • No foreign transaction fees

Note: The information in this box was provided by Capital One® and is not part of our independent analysis.

Bank of America® Business Advantage Cash Rewards Mastercard® credit card
Image of Bank of America® Business Advantage Cash Rewards Mastercard® credit card No Annual Fee 2.02%
$200
$200 statement credit bonus after making at least $500 in purchases in the first 60 days of your account opening
$694
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 49,440 x $0.01 = $494
Bonuses
0 x $0.01 = $200
Total Net Estimated Rewards Through 24 Months 694

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 12.24% - 22.24% Variable

Card Details

  • 3% on purchases at gas stations and office supply stores (up to $250,000 in gas stations and office supply store purchases annually, 1% after that)
  • 2% on purchases at restaurants
  • 1% cash back on all other purchases
  • No annual fee
  • 0% introductory APR on purchases for the first 9 billing cycles
TRIO℠ Credit Card
No Annual Fee 1.98%
$100
Get a $100 bonus after you spend $1,000 within 90 days of opening a new account.
$681
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 58,080 x $0.01 = $581
Bonuses
10,000 x $0.01 = $100
Total Net Estimated Rewards Through 24 Months 681

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 14.24% to 23.24% Variable

Card Details

  • 3% cash back rewards at restaurants and 2% cash back rewards on gas and at grocery and drug stores, up to $1,500 spend per quarter in these combined purchase categories
  • 1% unlimited cash back rewards on all other purchases
Santander® Ultimate Cash Back credit card
No Annual Fee 1.79%
$100
$100 cash back via statement credit when you spend $500 on net new retail purchases within the first 90 days of account opening.
$615
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 515 x $1 = $515
Bonuses
0 x $1 = $100
Total Net Estimated Rewards Through 24 Months 615

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 15.24% - 24.24% Variable

Card Details

  • 1.5% cash back on all purchases
  • $100 cash back via statement credit when you spend $500 on net new retail purchases within the first 90 days of account opening
  • No annual fees
  • No balance transfer fees
  • No foreign transaction fees
  • No cash advance fees
  • No returned payment fees
  • 3% introductory APR for 12 billing cycles for transactions made within 90 days of opening your account
Sam's Club Mastercard
No Annual Fee 1.88%
$0
$646
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 646 x $1 = $646
Total Net Estimated Rewards Through 24 Months 646

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 14.9% 22.9% Variable

Card Details

  • 5% cash back on gas* at U.S. and Puerto Rico gas stations and on gas at Sam’s Club (on first $6,000 per year in purchases, then 1% on purchases after)
  • 3% cash back on dining and travel
  • 1% cash back on other purchases
  • No annual fee
  • Annual cash back payout capped at $5,000
  • Doubles as your membership card
The Hawaiian Airlines® Business MasterCard®
Image of The Hawaiian Airlines® Business MasterCard® $89 1.50%
$350
Earn 35,000 bonus miles when you spend $1,000 on purchases in the first 90 days
$515
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.01 = $343
Bonuses
35,000 x $0.01 = $350
Less Annual Fees -$178
Total Net Estimated Rewards Through 24 Months 515

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $89
APR 16.99% or 25.99% Variable

Card Details

  • Earn 35,000 bonus miles when you spend $1,000 on purchases in the first 90 days
  • Earn 2 miles for every $1 spent on Haiwaiian Airlines
  • Earn $1 for every $1 spent on all other purchases
  • Get $100 off a companion ticket for roundtrip coach travel between Hawaii and North America at each account anniversary
  • Earn 5,000 annual bonus miles after spending $10,000 or more in purchases by your account anniversary
Hawaiian Airlines® World Elite Mastercard®
$89 1.50%
$350
Earn 35,000 bonus miles when you spend $1,000 on purchases in the first 90 days
$515
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.01 = $343
Bonuses
35,000 x $0.01 = $350
Less Annual Fees -$178
Total Net Estimated Rewards Through 24 Months 515

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $89
APR 16.99%, 20.99% or 25.99% Variable

Card Details

  • Earn 35,000 bonus miles when you spend $1,000 on purchases in the first 90 days
  • Earn 2 miles for every $1 spent on Haiwaiian Airlines
  • Earn $1 for every $1 spent on all other purchases
  • Primary cardholder is eligible to earn a $100 discount off one coach companion ticket for roundtrip travel between Hawaii and North America on Hawaiian Airlines on each account anniversary upon payment of annual fee
  • Receive a one-time 50% Off companion discount for roundtrip coach travel between Hawaii and North America on Hawaiian Airlines
  • As a primary cardholder, receive a complimentary first checked bag every time you use your card to purchase eligible tickets directly from Hawaiian Airlines
  • No foreign transaction fees
PCB Preferred World MasterCard
Image of PCB Preferred  World MasterCard $95 1.45%
$0
$496
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 68,640 x $0.01 = $686
Less Annual Fees -$190
Total Net Estimated Rewards Through 24 Months 496

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $95
APR 13.49% - 24.49% Variable

Card Details

  • 0% introductory APR on purchases for the first 12 months. When the offer expires the variable APR will be from 13.49% up to 24.49%
  • 2% Cash Back on Purchases
  • Cash back can only be redeemed for statement credit after you have earned a minimum of $25
My BJ's Perks™ Elite MasterCard®
No Annual Fee 1.45%
$50
$50 earnings added to awards balance after first non-BJ's purchase
$496
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 44,640 x $0.01 = $446
Bonuses
0 x $0.01 = $50
Total Net Estimated Rewards Through 24 Months 496

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR

Card Details

My BJ's Perks™ Plus MasterCard®
No Annual Fee 1.37%
$25
$25 earnings added to awards balance after first non-BJ's purchase
$471
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 44,640 x $0.01 = $446
Bonuses
0 x $0.01 = $25
Total Net Estimated Rewards Through 24 Months 471

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 15.24% - 25.24% Variable

Card Details

  • 3% earnings on most in-Club and BJs.com purchases
  • 2% earnings back on eating out and other gas purchases
  • 1% earnings back on other non-BJ's purchases everywhere else MasteCard is accepted
AAdvantage® Aviator™ Red Mastercard®
$95 1.15%
$0
$393
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.017 = $583
Less Annual Fees -$190
Total Net Estimated Rewards Through 24 Months 393

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $95
APR 15.99%, 19.99% or 24.99% Variable

Card Details

  • 2X miles for every dollar spent on eligible US Airways and American Airlines purchases. 1x mile for every 1 dollar spent on all other purchases.
  • 1 Free Checked Bag
  • Whenever you redeem, you’ll receive 10% of your redeemed miles back
  • Priority boarding
  • No Foreign Transaction Fees
  • 25% in-flight savings on food, beverages, and headsets on US Airways and AA operated flights
Capital One® QuicksilverOne® Credit Card
$39 1.27%
$0
$437
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 515 x $1 = $515
Less Annual Fees -$78
Total Net Estimated Rewards Through 24 Months 437

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $39
APR 24.99% (Variable)

Card Details

  • Earn unlimited 1.5% cash back on every purchase, every day
  • Use your QuicksilverOne card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018
  • 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
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is ever lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Help strengthen your credit for the future with responsible card use

Note: The information in this box was provided by Capital One® and is not part of our independent analysis.

Norwegian Cruise Line® World MasterCard® Credit Card
No Annual Fee 1.29%
$100
Earn 10,000 Bonus WorldPoints® points if you make your first transaction in the first 60 days
$443
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.01 = $343
Bonuses
10,000 x $0.01 = $100
Total Net Estimated Rewards Through 24 Months 443

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 12.99% - 22.99% Variable

Card Details

  • Earn 10,000 Bonus WorldPoints® points if you make your first transaction in the first 60 days
  • 2x points per $1 on Norwegian purchases
  • 1 point per $1 on everything else
  • No annual fee
REI Credit Card
Image of REI Credit Card No Annual Fee 1.52%
$100
$100 REI gift card upon approval and first purchase within 60 days of account opening
$522
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 42,240 x $0.01 = $422
Bonuses
0 x $0.01 = $100
Total Net Estimated Rewards Through 24 Months 522

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 11.24% to 23.24% Variable

Card Details

  • REI gift card upon approval and first purchase
  • 5% back at REI
  • 2% back on Grocery purchases through 03/31/2017
  • 1% back everywhere else
Prime Rewards Credit Card
Image of Prime Rewards Credit Card No Annual Fee 1.29%
$100
$100 Cash Back bonus when you spend $500 on qualifying purchases, in the first 3 months
$443
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.01 = $343
Bonuses
0 x $0.01 = $100
Total Net Estimated Rewards Through 24 Months 443

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 11.99% - 21.99% Variable

Card Details

  • 3 years at Prime Rate (intro currently 4.00% variable APR) on balance transfers made in the first 60 days. Variable 11.99%-21.99% APR thereafter.
  • No fees on balance transfers made in the first 60 days
  • 1% Unlimited Cash Back on all qualifying purchases
  • $100 Cash Back bonus when you spend $500 on qualifying purchases, in the first 3 months
  • No annual fee
  • No foreign transaction fees
Saks Fifth Avenue Credit Card
No Annual Fee 1.53%
$0
$526
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 52,560 x $0.01 = $526
Total Net Estimated Rewards Through 24 Months 526

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 23.99% Variable

Card Details

  • Earn between 1 to 6 points, depending on your level of spending
  • $25 Saks gift card
PayPal Extras Mastercard
No Annual Fee 1.28%
$0
$440
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 54,960 x $0.008 = $440
Total Net Estimated Rewards Through 24 Months 440

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 19.99% or 23.99% Variable

Card Details

  • 3x Points on Gas and Restaurant Purchases
  • 2x Points on PayPal and eBay purchases
  • 1x Points on Everything Else
Best Western Rewards® Premium MasterCard®
$0 Intro Annual Fee for the first year then $59 1.23%
$285
25,000 bonus points after you spend $2,500 in first 3 billing cycles. Also, earn another 25,000 bonus points after you spend total of $5,000 in the first 6 billing cycles
$422
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.006 = $196
Bonuses
50,000 x $0.006 = $285
Less Annual Fees -$59
Total Net Estimated Rewards Through 24 Months 422

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0 Intro Annual Fee for the first year then $59
APR 15.24% - 20.24% Variable

Card Details

  • 10 points for every $1 spent on Best Western purchases
  • 1 point for every $1 spent otherwise
  • Redeem points towards free nights at over 4,000 Best Western locations, gift cards, merchandise, airline rewards, and Avis car rentals
  • Free Upgrade to Best Western Rewards Platinum Status
Business Preferred World MasterCard®
Image of Business Preferred World MasterCard® $0 Intro Annual Fee for the first year then $125 1.19%
$120
10,000 bonus points after the first purchase
$407
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.012 = $412
Bonuses
10,000 x $0.012 = $120
Less Annual Fees -$125
Total Net Estimated Rewards Through 24 Months 407

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0 Intro Annual Fee for the first year then $125
APR

Card Details

  • 1 rewards point per $1 on all purchases
  • Double rewards points on airline and hotel purchases for the first 12 months from account opening
  • 10,000 anniversary points each year
  • Double rewards points and hotel purchases for the first 12 months from account opening
  • Charge card
  • No preset spending limit
Premier Miles & More® World Mastercard®
$79 1.12%
$200
Earn 20,000 award miles with first purchase
$385
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.01 = $343
Bonuses
20,000 x $0.01 = $200
Less Annual Fees -$158
Total Net Estimated Rewards Through 24 Months 385

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $79
APR 15.99% or 24.99% Variable

Card Details

  • Earn 20,000 award miles with first purchase or balance transfer
  • Annual Companion Ticket after first purchase, and annually thereafter
  • 2 miles for every $1 spent on Miles and More integrated airlines
  • 1 mile for every $1 spent otherwise
  • Redeem miles for flight awards and upgrades on Lufthansa, Austrian Airlines, Brussels Airlines, SWISS, and Star Alliance airlines and other partners
  • Complimentary Companion ticket after first purchase, then every year after
  • $79 Annual Fee waived for Senator and HON Circle Members
  • No foreign transaction fee
Carnival World™ MasterCard®
No Annual Fee 1.15%
$50
Earn 5,000 Bonus FunPoints® when you use your card for the first time
$393
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.01 = $343
Bonuses
5,000 x $0.01 = $50
Total Net Estimated Rewards Through 24 Months 393

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 13.99%, 16.99% - 20.99% Variable

Card Details

  • Earn 5,000 Bonus FunPoints® when you use your card for the first time
  • 2 FunPoints for every $1 spent on all Carnival Cruise Line purchases
  • 1 FunPoint for every $1 spent otherwise
  • Redeem FunPoints towards cruise nights, Sail & Sign purchases onboard, spa or massage packages
  • FunPoints can be redeemed toward nights on Carnival, Princess Cruises, Holland America Line, Costa Cruises, and the Yachts of Seabourn
RCI® Elite Rewards® MasterCard®
No Annual Fee 1.07%
$25
Earn up to 2,500 bonus rewards after your first purchase
$368
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.01 = $343
Bonuses
2,500 x $0.01 = $25
Total Net Estimated Rewards Through 24 Months 368

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 13.99% or 24.99% Variable

Card Details

  • Earn up to 2,500 bonus rewards after your first purchase
  • 2 points for every $1 spent on RCI purchases
  • 1 point for every $1 spent otherwise
  • Redeem rewards toward membership renewals, exchange fees, worldwide travel (flights, car rentals, hotels, etc.), merchandise, gift cards, and RCI Resort Dollars cards
Spirit Airlines World MasterCard® Credit Card
$0 Intro Annual Fee for the first year then $59 1.05%
$75
15,000 bonus miles after your first purchase
$359
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 68,640 x $0.005 = $343
Bonuses
15,000 x $0.005 = $75
Less Annual Fees -$59
Total Net Estimated Rewards Through 24 Months 359

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0 Intro Annual Fee for the first year then $59
APR 12.99% to 22.99% Variable

Card Details

  • 2 miles for every dollar you spend on purchases
  • 15,000 bonus miles after you make a purchase with the World MasterCard® credit card - enough for up to 3 roundtrip off-peak tickets, with taxes and fees from $11.20 per award
  • Earn 5,000 anniversary bonus FREE SPIRIT™ miles when you spend at least $10,000 in purchases annually and pay your annual fee
  • Enjoy a $0 introductory annual fee for the first year
  • a $59 fee will apply to World Mastercard® accounts thereafter
U.S. Bank Business Edge™ Cash Rewards World Elite™ MasterCard®
Image of U.S. Bank Business Edge™ Cash Rewards World Elite™ MasterCard® $0* 1.28%
$0
$439
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 439 x $1 = $439
Total Net Estimated Rewards Through 24 Months 439

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0*
APR 12.74% - 18.74%* (Variable)

Card Details

  • Earn a new cardmember bonus of $150 after you spend $500 in net purchases on your card within the first 90 days of account opening.
  • 3% cash back on all cellular, gas and office supply store net purchases
  • 1% cash back on all other net purchases
  • No cap on total rewards and they never expire!
  • Plus, a 25% Annual Cash Rewards bonus, up to $250
  • No annual fee*
  • Net purchases are purchases minus credits and returns
Royals™ MasterCard® with Rewards
Image of Royals™ MasterCard® with Rewards No Annual Fee 1.00%
$0
$343
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.01 = $343
Total Net Estimated Rewards Through 24 Months 343

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 14.74% to 20.74% Variable

Card Details

  • Low Introductory Rate
  • Royals Game Day Experiences
  • Discounted Royals Tickets
  • Unlimited 1% Cash Back
St. Louis Blues MasterCard®
Image of St. Louis Blues MasterCard® No Annual Fee 1.00%
$0
$343
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.01 = $343
Total Net Estimated Rewards Through 24 Months 343

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 12.74% to 18.74% Variable

Card Details

  • Blues Game Day Experiences
  • Exclusive Team Store Discounts
  • Unlimited 1% Cash Back
  • No Annual Fee
Stand Up To Cancer® Credit Card
Image of Stand Up To Cancer® Credit Card No Annual Fee 1.00%
$0
$343
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.01 = $343
Total Net Estimated Rewards Through 24 Months 343

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 13.74%, 24.74%

Card Details

  • Earn 1 Real Life Rewards® point for each $1 spent on purchases
  • Redeem points for a charitable contribution to Stand Up To Cancer or redeem for gift cards, cash deposits to a Fifth Third Account or a credit card statement credit.
  • Low 0% introductory APR for your first 12 billing cycles after the account is opened on purchases and balance transfers. After that, your variable APR will be 13.74% to 24.74% based on your creditworthiness.
  • No annual fee.
TJX Rewards® Credit Card
No Annual Fee 1.00%
$0
$343
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.01 = $343
Total Net Estimated Rewards Through 24 Months 343

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 27.24%

Card Details

  • 10% off your first online or in-store purchase
  • $10 Rewards certificate for every 1,000 points you earn
  • 5 points for each $1 of net purchases made with your TJX Rewards credit card at T.J.Maxx, Marshalls, HomeGoods and Sierra Trading Post stores in U.S. and Puerto Rico and online tjxmaxx.com or sierratradingpost.com
  • 1 point per $1 anywhere Mastercard is accepted
Bass Pro Shops® Outdoor Rewards® Credit Card
No Annual Fee 1.00%
$0
$343
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.01 = $343
Total Net Estimated Rewards Through 24 Months 343

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 13.24% to 23.24% Variable

Card Details

  • 5% rewards points on qualifying purchases at Bass Pro Shops® with a World MasterCard® credit card (3% with a Platinum Plus® credit card)
  • Earn 1% on all purchases everywhere else you shop
Cash Rewards Credit Card
Image of Cash Rewards Credit Card No Annual Fee 1.14%
$0
$391
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 39,120 x $0.01 = $391
Total Net Estimated Rewards Through 24 Months 391

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR

Card Details

  • 5% Cash Back on up to $6,000 spent on gas and grocery qualifying purchases in the first 12 months
  • 2% Unlimited Cash Back on qualifying gas and grocery purchases after your introductory bonus cash back
  • 1% Unlimited Cash Back on all other qualifying purchases
Key2More Rewards® Credit Card
Image of Key2More Rewards® Credit Card No Annual Fee 1.00%
$0
$343
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 171,600 x $0.002 = $343
Total Net Estimated Rewards Through 24 Months 343

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 13.74% - 22.74% Variable

Card Details

  • No annual fee
  • Special low Introductory APR of 0% for the first 6 billing cycles on purchases and balance transfers (made within 60 days of account opening). After that, the variable APR for Purchases and Balance Transfers will apply, currently 13.74% - 22.74%, based on your creditworthiness.
  • Earn five (5) KeyBank Relationship Rewards® points for every $1 in eligible credit card purchases* with no monthly maximum
  • Earn up to 10,000 rewards points after 5 purchase transactions in the first 60 days of opening.
Walmart® MasterCard®
No Annual Fee 0.86%
$0
Spend $75 on one receipt today, and get $25 in statement credit
$297
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 29,657 x $0.01 = $297
Total Net Estimated Rewards Through 24 Months 297

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 22.9%

Card Details

  • Spend $75 on one receipt today, and get $25 in statement credit
  • No annual fee
  • Fraud Protection
  • Free FICO Credit Score
  • Special Financing Options
Miles & More® World Elite Mastercard®
Image of Miles & More® World Elite Mastercard® $89 0.88%
$0
$302
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.014 = $480
Less Annual Fees -$178
Total Net Estimated Rewards Through 24 Months 302

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $89
APR 16.99% or 25.99% Variable

Card Details

  • 50,000 award miles after qualifying transactions
  • 1 mile for every $1 spent
  • Free Companion Ticket (economy class) upon the first use of the new Lufthansa World MasterCard, and on the anniversary of your account opening
  • Redeem miles for flight awards and upgrades on Lufthansa, Austrian Airlines, Brussels Airlines, SWISS, Star Alliance airlines and other partners
Spirit Airlines World MasterCard® for Business Credit Card
Image of Spirit Airlines World MasterCard® for Business Credit Card $79 0.93%
$75
15,000 bonus miles after the first purchase
$319
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 68,640 x $0.005 = $343
Bonuses
15,000 x $0.005 = $75
Less Annual Fees -$99
Total Net Estimated Rewards Through 24 Months 319

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $79
APR 12.99% to 22.99% Variable

Card Details

  • 2 miles for every dollar you spend on purchases
Business Secured Credit Card
$0 Intro Annual Fee for the first year then $25 0.93%
$0
$318
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 343 x $1 = $343
Less Annual Fees -$25
Total Net Estimated Rewards Through 24 Months 318

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0 Intro Annual Fee for the first year then $25
APR 10.24%

Card Details

Best Western Rewards® MasterCard®
No Annual Fee 0.90%
$114
10,000 bonus points after you spend $1,000 in first 3 billing cycles. Also, earn another 10,000 bonus points after you spend total of $3,000 in the first 6 billing cycles
$310
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.006 = $196
Bonuses
20,000 x $0.006 = $114
Total Net Estimated Rewards Through 24 Months 310

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 16.24% - 23.24% Variable

Card Details

  • 3 points for every $1 spent on Best Western purchases
  • 1 point for every $1 spent otherwise
  • Redeem points towards free nights at over 4,000 Best Western locations, gift cards, merchandise, airline rewards, and Avis car rentals
  • Upgrade to Best Western Rewards Gold Elite Status after the first purchase
PCB Rewards
Image of PCB Rewards $25 0.85%
$0
$293
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.01 = $343
Less Annual Fees -$50
Total Net Estimated Rewards Through 24 Months 293

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $25
APR 13.49% to 24.49% Variable

Card Details

  • 0% introductory APR on purchases for the first 12 months. When the offer expires the variable APR will be from 13.49% up to 24.49%
  • 1%-1.5% Cash back on Purchases 1% cash back on net purchases up to $1,000, and 1.5% cash back on net purchases in excess of $1,000.
AAdvantage® Aviator™ Silver World Elite Mastercard®
$195 0.56%
$0
$193
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.017 = $583
Less Annual Fees -$390
Total Net Estimated Rewards Through 24 Months 193

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $195
APR 15.99%, 19.99% or 124.99% Variable

Card Details

  • 3X miles for every dollar spent on eligible US Airways and American Airlines purchases. Earn 2X miles for every dollar spent on eligible hotels and car rentals. 1x mile for every 1 dollar spent on all other purchases.
  • Apply for Global Entry with TSA Pre_™ and, upon approval, experience expedited, more efficient security screenings, moving you smoothly through U.S. customs when returning from traveling abroad.
  • Pay for the $100 Global Entry application fee with your card and you’ll automatically receive a $100 statement credit 2-3 weeks after your transaction.
Citi Prestige® Card
$450 0.47%
$532
Earn 40,000 bonus ThankYou points after you spend $3000
$162
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 39,840 x $0.013 = $530
Bonuses
40,000 x $0.013 = $532
Less Annual Fees -$900
Total Net Estimated Rewards Through 24 Months 162

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $450
APR 15.24%

Card Details

  • Earn 3 points on Air Travel and Hotels, 2 points for every $1 you spend on dining and entertainment
  • 1 point per $1 elsewhere
  • No foreign transaction fee
  • Complimentary 4th night at luxury hotels when booked through Carlson Wagonlit Travel
  • Unlimited access to 400+ airport lounges
  • $100 global entry fee credit
  • Chip technology
  • 24/7 concierge
  • Lost baggage coverage
Travel Rewards Credit Card
Image of Travel Rewards Credit Card $89 0.48%
$0
$165
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.01 = $343
Less Annual Fees -$178
Total Net Estimated Rewards Through 24 Months 165

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $89
APR

Card Details

  • 5% Cash Back on up to $6,000 spent on travel qualifying purchases5 in the first 12 months
  • 3% Unlimited Cash Back on travel qualifying purchases after your introductory bonus cash back
  • 1% Unlimited Cash Back on all other qualifying purchases—all the time
  • Up to a $100 statement credit every 5 years, as reimbursement for your application fee for Global Entry or TSA Precheck
Best Western Rewards® Secured MasterCard®
$40 0.42%
$29
5,000 bonus points after your first purchase
$144
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.006 = $196
Bonuses
5,000 x $0.006 = $29
Less Annual Fees -$80
Total Net Estimated Rewards Through 24 Months 144

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $40
APR 21.24%

Card Details

  • 3 points for every $1 spent on Best Western purchases
  • 1 point for every $1 spent otherwise
  • Redeem points towards free nights at over 4,000 Best Western locations, gift cards, merchandise, airline rewards, and Avis car rentals
  • Upgrade to Best Western Rewards Gold Elite Status after the first purchase
Capital One® Secured Mastercard®
$0 0.00%
$0
$0
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 0 - $0
Total Net Estimated Rewards Through 24 Months 0

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR 24.99% (Variable)

Card Details

  • No annual fee, and all the credit building benefits with responsible card use
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • You will get an initial $200 credit line after making a security deposit of $49, $99, or $200, determined based on your creditworthiness
  • Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
  • Easily manage your account 24/7 with online access, by phone or using our mobile app
  • It's a credit card accepted at millions of locations worldwide

Note: The information in this box was provided by Capital One® and is not part of our independent analysis.

Capital One® Platinum Credit Card
$0 0.00%
$0
$0
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 0 - $0
Total Net Estimated Rewards Through 24 Months 0

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR 24.99% (Variable)

Card Details

  • Pay no annual fee
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
  • Get access to your account 24 hours a day, 7 days a week
  • Help strengthen your credit for the future with responsible card use

Note: The information in this box was provided by Capital One® and is not part of our independent analysis.

PCB Platinum
Image of PCB Platinum No Annual Fee 0.00%
$0
$0
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 0 - $0
Total Net Estimated Rewards Through 24 Months 0

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 13.49% to 24.49% Variable

Card Details

  • 0% introductory APR on purchases for the first 12 months. When the offer expires the variable APR will be from 13.49% up to 24.49%.
Target MasterCard
No Annual Fee 0.00%
$0
$0
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 0 - $0
Total Net Estimated Rewards Through 24 Months 0

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR

Card Details

SelfScore Mastercard
No Annual Fee 0.00%
$0
$0
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 0 - $0
Total Net Estimated Rewards Through 24 Months 0

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR

Card Details

secured card
No Annual Fee 0.00%
$0
$0
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 0 - $0
Total Net Estimated Rewards Through 24 Months 0

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR

Card Details

  • Start with as little as a $300 deposit into a Fifth Third savings account that earns interest.
  • Important account information shared with the 3 major credit bureaus–helping you build your credit history.
  • 24.74% Annual Percentage Rate (APR) on Purchases and Balance Transfers. This APR will vary with the market based on the Prime Rate
  • Your credit line is tied to the amount of money in your Fifth Third savings account.
  • Purchases made on your secured credit card will be charged to your card and not deducted from your savings account.
Citi® Secured Mastercard®
No Annual Fee 0.00%
$0
$0
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 0 - $0
Total Net Estimated Rewards Through 24 Months 0

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 21.99%

Card Details

Truly Simple Credit Card
No Annual Fee 0.00%
$0
$0
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 0 - $0
Total Net Estimated Rewards Through 24 Months 0

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 12.74% - 23.74% Variable

Card Details

  • No Annual Fee
  • No Penalty Rate (APR) for a missed payment
  • Low 0% introductory APR for the first 15 billing cycles after the account is opened on purchases and balance transfers. After that, your variable APR will be 12.74% to 23.74% based on your creditworthiness
Sphere® Credit Card
No Annual Fee 0.00%
$0
$0
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 0 - $0
Total Net Estimated Rewards Through 24 Months 0

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR

Card Details

Barclaycard Ring™ Mastercard®
$0 0.00%
$0
$0
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 0 - $0
Total Net Estimated Rewards Through 24 Months 0

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR 10.24% Variable

Card Details

  • A low, variable APR on purchases, balance transfers and cash advances
  • No annual fee
  • No balance transfer fees
  • No foreign transaction fees
  • Chip technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
  • Free online access to FICO® Credit Score
Bravo® Credit Card
$0 Intro Annual Fee for the first year then $49 -0.14%
$0
$-49
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0 = $0
Less Annual Fees -$49
Total Net Estimated Rewards Through 24 Months -49

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0 Intro Annual Fee for the first year then $49
APR 16.24% to 23.24% Variable

Card Details

  • Earn 3x rewards points on supermarket, gas station and restaurant purchases
  • Up to 15,000 points per calendar quarter
  • 1x point otherwise
  • Earn $100 cash back via statement credit after you spend $1,000 on new net retail purchases within the first 90 days of opening your account
Wells Fargo Secured Visa® Credit Card
$25 -0.15%
$0
$-50
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 0 - $0
Less Annual Fees -$50
Total Net Estimated Rewards Through 24 Months -50

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $25
APR 19.24%

Card Details

  • Reports to all 3 credit bureaus
  • Requires a minimum $300 security deposit
  • Available to both U.S. and temporary residents
  • With responsible use over time, you may be eligible for an upgrade to an unsecured credit card
Citi® / AAdvantage® Executive World Elite™ Mastercard®
$450 -1.27%
$0
Earn 50,000 American Airlines AAdvantage bonus miles after $5,000 in purchases the first 3 months
$-437
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.014 = $463
Less Annual Fees -$900
Total Net Estimated Rewards Through 24 Months -437

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $450
APR 15.24%

Card Details

  • 2 AAdvantage miles for every $1 spent on American Airlines
  • 1 mile for every $1 spent otherwise
  • Admirals Club membership for you and your immediate family
  • No foreign transaction fees
  • First checked bag is free for you and your companions
  • Priority check-in, screening, and boarding
  • Receive a 25% savings on eligible in-flight purchases
  • No annual mileage cap
Mastercard® Black Card™
$495 -1.38%
$0
Earn 25,000 bonus points after spending $1,500 in first 90 days
$-475
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.015 = $515
Less Annual Fees -$990
Total Net Estimated Rewards Through 24 Months -475

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $495
APR 16.24% Variable

Card Details

  • Stainless Steel - Patented Card Design
  • 2% Value for Airfare Redemptions
  • 1.5% Value for Cash Back Redemptions
  • 24/7 Luxury Card Concierge™
  • Exclusive Luxury Card Travel Benefits
  • $100 Annual Airline Credit Toward Qualifying Purchases
  • $100 Global Entry Application Fee Credit
  • Annual Fee: $495 ($195 for each Authorized User)

2018's Best Mastercard Credit Card Offers

Often times there is more to a credit card than simply its rewards value. Our editors put together a list of their favorite Mastercard credit cards that take into account all their features — even those that are harder to quantify.

MastercardBest For…Annual Fee
Citi® Double Cash Credit CardCash Back$0
Citi® Diamond Preferred® CardBalance Transfers$0
Capital One® Secured Mastercard®Bad Credit$0
Barclaycard Arrival Plus® World Elite Mastercard®Travel Rewards$89 - Waived first year
Citi Prestige® CardLuxury Travel$450

Best Cash Back Mastercard: Citi® Double Cash Credit Card

The Citi® Double Cash Credit Card will be the best Mastercard credit card for most people, since it has fantastic rewards and no annual fee. The card offers one of the highest all-around rewards rates. Cardholders get 1% cash back whenever making a purchase, then another 1% back when that purchase is paid off — hence the name "double cash". While most credit cards can get you rewards rates above 2% they do so in just one or two categories. The Citi Double Cash Card bests most other cards, including Visa and Mastercard, when it comes down to these long-term rewards.

The biggest downside to getting the Citi Double Cash card is the fact that it has no signup bonus. Most cards today, including those on this list, come with some added reward for those who apply. These bonus can be worth $150-$200 on no fee cards. If you are getting a card for the long-term, this one negative shouldn't matter. The Double Cash is still an excellent rewards card because of what we described above.

Highlights

  • 1% cash back at the time of purchase, plus another 1% back when that purchase is paid off
  • No Annual Fee
  • No signup bonus
  • Read Full Review

Best for Low Interest: Citi® Diamond Preferred® Card

If you're struggling with credit card debt, the Citi® Diamond Preferred® Card is one of the best Mastercard offers for you. This card provides 21 months of 0% introductory APR on purchases. The same 0% interest applies to balance transfers completed within 4 months from date of account opening. That is a significantly longer zero percent period than any other Mastercard we've come across. Given that the Citi® Diamond Preferred® Card also has no annual fee, this is a great way to minimize the cost of any debt you take on.

The Citi® Diamond Preferred® Card also comes equipped with some of the best Citibank card benefits around. For example, cardholders can enjoy access to Citi® Private Pass®. This benefit allows you to book event and sports tickets through citiprivatepass.com. Through this, you'll have the ability to get early-access packages to concerts, sporting events, dining experiences or even early movie screenings.

Highlights

  • 0% introductory APR on purchases for 21 months from date of account opening
  • 0% introductory APR on balance transfers for 21 months from date of first transfer when transfers are completed within 4 months from date of account opening
  • After that, your APR will be 13.49% to 23.49%, based on your creditworthiness
  • Read Full Review

Best Mastercard for Rebuilding Credit: Capital One® Secured Mastercard®

Generally speaking, people with poor credit aren't given the best credit card offers. However, the Capital One® Secured Mastercard® is an exception to that rule, coming with decent terms that can help cardholders rebuild their credit score painlessly. Unlike most of the cards targeted at subprime borrowers, the Capital One® Secured Mastercard® has no annual fee, no foreign transaction fees and no penalty APR. Where most cards try to gauge those with poor credit with fees, the Capital One® Secured Mastercard® stays above this mess. The Capital One® Secured Mastercard® also has one of the most flexible security deposit among cards of its type. You can put down as little as $49 to get a $200 line of credit. With most other secured cards, whether they're on Visa or Mastercard, your deposit is usually equal to your credit limit. This added bit of flexibility can be great for someone with a tight budget.

The only catch is this card's high APR. You shouldn't get the Capital One® Secured Mastercard® to carry debt month to month. The card comes with an extremely high APR of 24.99% — that is 10 points higher than the average. While this is the case, we don't fully hold it against the Capital One® Secured Mastercard®. High interest rates are par for course when it comes to secured credit cards.

Highlights

  • No annual fee
  • $49, $99 or $200 refundable deposit based on your creditworthiness
  • Access to a higher credit line after making your first 5 monthly payments on time. No additional deposit needed
  • Read Full Review

Best Mastercard for Travel Rewards: Barclaycard Arrival Plus® World Elite Mastercard®

The Barclaycard Arrival Plus® World Elite Mastercard® is one of our favorite travel credit cards thanks to having a fixed rate on all purchases, a fantastic bonus, and the fact that it comes with the highest tier of Mastercard benefits. This card provides cardholders with a fixed 2.1% rewards rate on all purchases, and a 40,000 point bonus that's worth $400 in travel statement credit. To get this bonus, cardholders need to spend at least $3,000 on purchases within the first 90 days of account opening. Though the annual fee is steep — $89 after your first year — these rewards are likely to outweigh it for frequent travelers.

Being a World Elite Mastercard, the Barclaycard Arrival Plus comes equipped with additional perks that make it worth keeping in your wallet. These may include seat upgrades or discounts with select airlines, savings on vacation packages, car rentals as well as access to a personal travel advisor.

Highlights

  • 2.1% rewards rate on all purchases
  • 40,000 bonus miles after spending $3,000 on purchases in the first 90 days
  • Access to World Elite Mastercard benefits
  • Read Full Review

Best for Luxury Travel: Citi Prestige® Card

The Citi Prestige® Card is one of the most expensive Mastercard credit cards you can get, but it's well worth the price tag for anyone who wants to add luxury to their travel. Cardholders who pay the fee get things like Priority Pass airport lounge access, $250 annual air travel credit, and 5,000 bonus ThankYou® Points after you spend $7,500 in purchases within the first 3 months of account opening. Arguably the best perk you get with the card is the complimentary 4th night at hotels. When you book a 4-night stay using ThankYou.com or the Citi Prestige® Concierge, the 4th night is refunded.

This card also provides a lot of points on everyday purchases. You get 3 ThankYou Points for every $1 spent on air travel and hotels, 2x points on dining out and entertainment and 1x points on everything else. We value ThankYou points at about $0.0125 each, making the rewards rate on the Citi Prestige® Card between 1.25% and 3.75%.

Highlights

  • $450 annual fee
  • $250 Air Travel Credit
  • Complimentary 4th Night
  • Read Full Review

Comments and Questions

* See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the issuer's website.

Info about the following cards: American Express® Gold Card, Delta Reserve® Credit Card from American Express, Platinum Delta SkyMiles® Credit Card, Hilton Honors™ Card from American Express, Hilton Honors Surpass® Credit Card, American Express® Blue Sky, American Express® Green Card, The Amex EveryDay® Preferred Credit Card from American Express, The Plenti® Credit Card from Amex, Blue from American Express®, Platinum Card® from American Express Exclusively for Mercedes-Benz, Bluebird, Centurion® Card from American Express, Hilton Honors American Express Aspire Card, and Delta Reserve for Business Credit Card from American Express has been collected independently by ValuePenguin. The issuer did not provide the details, nor is it responsible for their accuracy.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program. 

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.

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.

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