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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
0 x $0.026 = $0
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 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)
CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®
$99, waived for first 12 months* 4.00%
$945
For a limited time, earn 70,000 American Airlines AAdvantage® bonus miles after making $4,000 in purchases within the first 4 months of account opening*
$1,374
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 39,120 x $0.014 = $528
Bonuses
70,000 x $0.014 = $945
Less Annual Fees -$99
Total Net Estimated Rewards Through 24 Months 1,374

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

Annual Fee $99, waived for first 12 months*
APR 17.74% - 25.74%* (Variable)

Card Details

  • Designed for businesses
  • For a limited time, earn 70,000 American Airlines AAdvantage® bonus miles after making $4,000 in purchases within the first 4 months of account opening*
  • First checked bag is free on domestic American Airlines itineraries to reduce travel costs and boost your bottom line*
  • New: 25% savings on American Airlines inflight Wi-Fi when you use your card*
  • Enjoy preferred boarding on American Airlines flights*
  • Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases
  • Earn 2 AAdvantage® miles per $1 spent on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations*
  • Earn 1 AAdvantage® mile per $1 spent on other purchases*
  • No Foreign Transaction Fees*
Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®
$99, waived for first 12 months* 3.51%
$702
Earn up to 50,000 American Airlines AAdvantage® bonus miles: 40,000 AAdvantage® miles after making $2,000 in purchases in first 3 months and 10,000 after making a total of $6,000 in purchases in first 12 months of account opening*
$1,206
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 44,640 x $0.014 = $603
Bonuses
50,000 x $0.014 = $675
1,000 x $0.014 = $14
1,000 x $0.014 = $14
Less Annual Fees -$99
Total Net Estimated Rewards Through 24 Months 1,206

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

Annual Fee $99, waived for first 12 months*
APR 17.99% - 25.99%* (Variable)

Card Details

  • Earn up to 50,000 American Airlines AAdvantage® bonus miles: 40,000 AAdvantage® miles after making $2,000 in purchases in first 3 months and 10,000 after making a total of $6,000 in purchases in first 12 months of account opening*
  • Earn 2 AAdvantage® miles for every $1 spent at gas stations*
  • Earn 2 AAdvantage® miles for every $1 spent at restaurants*
  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases*
  • Earn a $100 American Airlines Flight Discount after you spend $20,000 or more in purchases during your cardmembership year and renew your card*
  • No Foreign Transaction Fees*
  • First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation*
  • Enjoy preferred boarding on American Airlines flights*
  • Receive 25% savings on inflight food and beverage purchases when you use your card on American Airlines flights*
AAdvantage® Aviator® Red Mastercard®
$95 3.29%
$840
Limited Time Offer: Earn 60,000 bonus miles after making your first purchase in the first 90 days and paying the annual fee
$1,130
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 = $480
Bonuses
60,000 x $0.014 = $840
Less Annual Fees -$190
Total Net Estimated Rewards Through 24 Months 1,130

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

Annual Fee $95
APR 17.74%, 21.74% or 26.74% Variable

Card Details

  • Limited time offer: Earn 60,000 bonus miles after making your first purchase in the first 90 days and paying the annual fee
  • 10% of your redeemed miles back (10,000 miles maximum per calendar year)
  • Earn 2X AAdvantage® miles on eligible American Airlines purchases
  • Earn 1X AAdvantage® miles on all other purchases
  • Earn $3,000 Elite Qualifying Dollars after spending $25,000 on purchases each calendar year
  • Receive 25% inflight savings on food and beverages
  • No foreign transaction fees
  • First checked bag free for the primary cardmember and up to 4 companions on eligible bags
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

  • 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

  • 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

  • Save 25% on eligible in-flight food and beverage purchases
  • No blackout dates on award travel
  • No spending limit
PayPal Cashback Mastercard®
Image of 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
Bonuses
0 x $1 = $0
0 x $1 = $0
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
Citi® Double Cash Card
$0* 2.00%
$0
$686
Graph Card Read Review 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 $0*
APR 15.49% - 25.49%* (Variable)

Card Details

  • Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay
  • Balance Transfers do not earn cash back
  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.49% - 25.49% based on your creditworthiness*
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases
  • No categories to track, no caps on cash back, no annual fee*
Barclaycard Arrival® Plus World Elite Mastercard®
$89 (waived first year) 1.84%
$0
60,000 bonus miles after spending $5,000 on purchases in the first 90 days (a $600 value)
$632
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 $0.01 = $721
Less Annual Fees -$89
Total Net Estimated Rewards Through 24 Months 632

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

Annual Fee $89 (waived first year)
APR 17.99%, 21.99% or 24.99% variable based on your creditworthiness

Card Details

  • Enjoy 60,000 bonus miles after spending $5,000 on purchases in the first 90 days
  • Earn unlimited 2X miles on every purchase
  • Book travel your way—no airline, seat or hotel restrictions—and redeem your miles for travel statement credits
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • No foreign transaction fees
  • International Chip and PIN for use at self-service chip terminals around the world
  • Miles don't expire as long as your account is open, active and in good standing
  • See Rates & Fees
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 = $0
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

  • 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
0 x $0.01 = $0
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

Santander® Ultimate Cash Back credit card
Image of 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 = $0
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
Hawaiian Airlines® Business MasterCard®
Image of Hawaiian Airlines® Business MasterCard® $89 1.65%
$400
Earn 40,000 bonus miles after first purchase.
$565
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
40,000 x $0.01 = $400
Less Annual Fees -$178
Total Net Estimated Rewards Through 24 Months 565

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

Annual Fee $89
APR 17.49% or 26.49% Variable

Card Details

  • Earn 2 miles per dollar spent directly with Hawaiian Airlines, and 1 miles per dollar spent on all other purchases.
  • Get a one-time 50% off companion discount.
  • Earn 40,000 miles after your first purchase.
  • Receive 20,000 bonus miles for spending $50,000‒$99,999 annually, or 40,000 miles for at least $100,000 in spending.
  • Complimentary employee cards.
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
Bonuses
0 x $1 = $0
0 x $1 = $0
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

  • No annual fee
  • Annual cash back payout capped at $5,000
  • Doubles as your membership card
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

  • 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
Bonuses
0 x $0.01 = $0
0 x $0.01 = $0
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®
Image of 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 = $0
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®
Image of 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 = $0
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
Capital One® QuicksilverOne® Cash Rewards 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
  • Earn cash rewards without signing up for rotating categories
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Monitor your credit profile with the CreditWise® app, free for everyone
  • $0 fraud liability if your card is ever lost or stolen
  • No limit to how much cash back you can earn, and cash back doesn't expire for the life of the account
  • Help strengthen your credit for the future with responsible card use
  • Get customized alerts and manage your account with the Capital One mobile app

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

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 = $0
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
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 = $0
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
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
0 x $0.01 = $0
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

  • No annual fee
Carnival World™ MasterCard®
No Annual Fee 1.29%
$100
Earn 10,000 Bonus FunPoints® when you use your card for the first time
$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 15.49%, 20.49% or 25.49% Variable

Card Details

  • 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
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
Bonuses
0 x $0.01 = $0
0 x $0.01 = $0
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

  • $25 Saks gift card
PayPal Extras Mastercard
Image of 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
Bonuses
0 x $0.008 = $0
0 x $0.008 = $0
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

Best Western Rewards® Premium MasterCard®
Image of 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
0 x $0.006 = $0
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

  • 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
0 x $0.012 = $0
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

  • 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

  • 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
RCI® Elite Rewards® MasterCard®
Image of 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

  • 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
0 x $0.005 = $0
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

  • 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
Bonuses
0 x $1 = $0
0 x $1 = $0
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
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
Bonuses
0 x $0.002 = $0
0 x $0.002 = $0
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.
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
Bonuses
0 x $0.01 = $0
0 x $0.01 = $0
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
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
Bonuses
0 x $0.01 = $0
0 x $0.01 = $0
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.
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
Bonuses
0 x $0.01 = $0
0 x $0.01 = $0
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
TJX Rewards® Credit Card
Image of 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
Bonuses
0 x $0.01 = $0
0 x $0.01 = $0
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
Bonuses
0 x $0.01 = $0
0 x $0.01 = $0
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

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
Bonuses
0 x $0.01 = $0
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

  • No annual fee
  • Fraud Protection
  • Free FICO Credit Score
  • Special Financing Options
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
Bonuses
0 x $0.01 = $0
0 x $0.01 = $0
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
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

  • 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
0 x $0.005 = $0
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

Business Secured Credit Card
Image of 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 11.9%

Card Details

  • $500 to $25,000 credit line
  • Good for Establishing or rebuilding business credit with Wells Fargo
  • Up to 10 employee cards
  • Spending reports available online
  • $25 annual fee per card
  • No foreign transaction fee
  • Zero liability protection
Best Western Rewards® MasterCard®
Image of 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
0 x $0.006 = $0
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

  • 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
Bonuses
0 x $0.01 = $0
0 x $0.01 = $0
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.
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
0 x $0.013 = $0
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

  • 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
Bonuses
0 x $0.01 = $0
0 x $0.01 = $0
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®
Image of 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
0 x $0.006 = $0
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

  • 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
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
Bonuses
0 - $0
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

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
Bonuses
0 - $0
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%.
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 13.99% Variable

Card Details

  • Enjoy a 0% intro APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable 13.99% APR will apply
  • Low 13.99% variable APR on purchases and cash advances
  • No annual fee
  • No foreign transaction fees
  • International Chip and PIN
  • See Rates & Fees
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
Bonuses
0 - $0
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

Citi® 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
Bonuses
0 - $0
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 24.49%* (Variable)

Card Details

  • No Annual Fee, and unlike a prepaid card, it helps build credit history with monthly notifications to the credit bureaus
  • A security deposit is required for this product (minimum $200)
  • Pay your bill on time every month to avoid damaging your credit. Citi can help keep you on track with Auto Pay, online Bill Pay and alerts.
  • Use the card anywhere Mastercard® is accepted — worldwide
secured card
Image of 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
Bonuses
0 - $0
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.
Truly Simple Credit Card
Image of 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
Bonuses
0 - $0
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
Image of 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
Bonuses
0 - $0
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

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
Bonuses
0 x $0 = $0
0 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
Image of 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
Bonuses
0 - $0
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 17.74% - 25.74%* (Variable)

Card Details

  • 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 guests traveling with you*
  • Complimentary Admirals Club® lounge access for authorized users
  • 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*
Mastercard® Black Card™
$495 -1.38%
$0
$-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 16.99% 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 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 Card

The Citi® Double Cash 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

Citi® Diamond Preferred® Card
This card is not available through ValuePenguin.

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 balance transfers and 12 months for purchases. After the intro period, your APR will be 14.99% - 24.99%* (Variable), based on your creditworthiness. This is one of the longest zero percent balance transfer periods of any Mastercards 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.

Highlights

  • 0% introductory APR on purchases for 12 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 14.99% - 24.99%* (Variable), 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 purchasesand a fantastic bonus. This card provides cardholders with a fixed 2.1% rewards rate on all purchases, and offers 60,000 bonus miles that are worth $600 in travel statement credit. To get this bonus, cardholders need to spend at least $5,000 on purchases within the first 90 days of account opening. Though the annual fee is steep — $89 — these rewards are likely to outweigh it for frequent travelers. Being a World Elite Mastercard, the Barclaycard Arrival® Plus World Elite Mastercard® comes equipped with additional perks such as a concierge service.

Highlights

  • 2.1% rewards rate on all purchases
  • 60,000 bonus miles after spending $5,000 on purchases in the first 90 days
  • 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 and a $250 annual air travel credit. 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

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

* 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: Premier Rewards Gold Card from American Express, Delta Reserve® Credit Card from American Express, Platinum Delta SkyMiles® Credit 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 Amex EveryDay® 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, Starwood Preferred Guest® American Express Luxury Card, and Amazon Business American Express Card 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.

Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred® Card 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).

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