Best Mastercard Credit Cards of 2021

Best Mastercard Credit Cards of 2021

These are the best Mastercards for business, travel, balance transfers and more.

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

Citi is an advertising partner.

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

Recommended Cards

Best For
Credit Needed
Annual Fee
unavailable credit card
Capital One® Savor® Cash Rewards Credit CardRewardsExcellent/Good$95Read Review
Citi® Double Cash Card – 18 month BT offer
Citi® Double Cash Card – 18 month BT offerCash backExcellent/Good$0
Apply Now
  • On Citibank's Secure Website
unavailable credit card
Citi® / AAdvantage® Platinum Select® World Elite Mastercard®Airline milesExcellent/Good$99, waived for first 12 monthsRead Review
unavailable credit card
Secured Mastercard® from Capital OneLimited/Bad/PoorLimited/Bad/Poor$0Not available on ValuePenguin
unavailable credit card
Bank of America® Business Advantage Cash Rewards Mastercard® credit cardBusinessExcellent$0Not available on ValuePenguin
unavailable credit card
Citi Simplicity® Card - No Late Fees EverBalance TransferExcellent/Good$0Read Review
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http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_1600\/v1\/unavailable-card-update_c5bzxf 2x\"\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E","\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Capital One\u00ae Savor\u00ae Cash Rewards Credit Card\" href=\"#rewards\"\u003E\u003Cstrong\u003ECapital One\u00ae Savor\u00ae Cash Rewards Credit Card\u003C\/strong\u003E\u003C\/a\u003E\u003C\/span\u003E","Rewards","Excellent\/Good","$95","\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root Button--root Button--tertiary\" title=\"Read Review\" href=\"https:\/\/www.valuepenguin.com\/capital-one-savor-rewards-credit-card\"\u003ERead Review\u003C\/a\u003E\u003C\/span\u003E"],["\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-AffiliateImage\" data-component-name=\"AffiliateImage\"\u003E\n \u003Cdiv class=\"AffiliateImage--root AffiliateImage--align-left \"\u003E\u003Cdiv class=\"AffiliateImage--wrapper\"\u003E\u003Cimg alt=\"Citi\u00ae Double Cash Card \u2013 18 month BT offer\" class=\"Image--root \" src=\"https:\/\/cdn.comparecards.com\/uploads\/images\/items\/4595.png\"\/\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"AffiliateImage\"\u003E{\"align\":\"\",\"className\":\"\",\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4595.png\",\"name\":\"Citi\\u00ae Double Cash Card \\u2013 18 month BT offer\"}\u003C\/script\u003E\n\n\u003C\/div\u003E","\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Citi\u00ae Double Cash Card \u2013 18 month BT offer\" href=\"#cashback\"\u003E\u003Cstrong\u003ECiti\u00ae Double Cash Card \u2013 18 month BT offer\u003C\/strong\u003E\u003C\/a\u003E\u003C\/span\u003E","Cash back","Excellent\/Good","$0","\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-AffiliateButton\" data-component-name=\"AffiliateButton\"\u003E\n \u003Cdiv class=\"AffiliateButtonV2--root \"\u003E\u003Ca class=\"Link--root Button--root Button--primary Button--fluid \" href=\"\/credit-cards\/redirect\/710?url=_best-mastercard-credit-cards\" rel=\"nofollow\" target=\"_blank\" title=\"Apply Now\"\u003EApply Now\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--lock\" color=\"inherit\" name=\"lock\"\u003E\u003C\/span\u003E\u003C\/a\u003E\u003Cdiv class=\"DisclaimersList--root\"\u003E\u003Cul class=\"DisclaimersList--unordered-list\"\u003E\u003Cli class=\"DisclaimersList--list-item\"\u003EOn Citibank's Secure Website\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"AffiliateButton\"\u003E{\"category\":\"creditcards\",\"color\":\"primary\",\"context\":\" in context: Banner\",\"disclaimers\":[\"On Citibank's Secure Website\"],\"icon\":\"lock\",\"label\":\"Apply Now\",\"link\":\"\\\/credit-cards\\\/redirect\\\/710?url=_best-mastercard-credit-cards\",\"name\":\"Citi\\u00ae Double Cash Card \\u2013 18 month BT offer\"}\u003C\/script\u003E\n\n\u003C\/div\u003E"],["\u003Cdiv class=\"ShortcodeImageBare--root \" \u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container \"\u003E\n \u003Cimg alt=\"unavailable credit card\" class=\"ShortcodeImage--image lazyload\" data-src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/unavailable-card-update_c5bzxf\" src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,e_blur:1000,f_auto,h_1600,q_1,w_1600\/v1\/unavailable-card-update_c5bzxf\" data-srcset=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/unavailable-card-update_c5bzxf 1x, http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_1600\/v1\/unavailable-card-update_c5bzxf 2x\"\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E","\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Citi\u00ae \/ AAdvantage\u00ae Platinum Select\u00ae World Elite Mastercard\u00ae\" href=\"#airline\"\u003E\u003Cstrong\u003ECiti\u00ae \/ AAdvantage\u00ae Platinum Select\u00ae World Elite Mastercard\u00ae\u003C\/strong\u003E\u003C\/a\u003E\u003C\/span\u003E","Airline miles","Excellent\/Good","$99, waived for first 12 months","\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root Button--root Button--tertiary\" title=\"Read Review\" href=\"https:\/\/www.valuepenguin.com\/platinum-select-aadvantage-world-mastercard\"\u003ERead Review\u003C\/a\u003E\u003C\/span\u003E"],["\u003Cdiv class=\"ShortcodeImageBare--root \" \u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container \"\u003E\n \u003Cimg alt=\"unavailable credit card\" class=\"ShortcodeImage--image lazyload\" data-src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/unavailable-card-update_c5bzxf\" src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,e_blur:1000,f_auto,h_1600,q_1,w_1600\/v1\/unavailable-card-update_c5bzxf\" data-srcset=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/unavailable-card-update_c5bzxf 1x, http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_1600\/v1\/unavailable-card-update_c5bzxf 2x\"\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E","\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Secured Mastercard\u00ae from Capital One\" href=\"#bad\"\u003E\u003Cstrong\u003ESecured Mastercard\u00ae from Capital One\u003C\/strong\u003E\u003C\/a\u003E\u003C\/span\u003E","Limited\/Bad\/Poor","Limited\/Bad\/Poor","$0","Not available on ValuePenguin"],["\u003Cdiv class=\"ShortcodeImageBare--root \" \u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container \"\u003E\n \u003Cimg alt=\"unavailable credit card\" class=\"ShortcodeImage--image lazyload\" data-src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/unavailable-card-update_c5bzxf\" src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,e_blur:1000,f_auto,h_1600,q_1,w_1600\/v1\/unavailable-card-update_c5bzxf\" data-srcset=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/unavailable-card-update_c5bzxf 1x, http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_1600\/v1\/unavailable-card-update_c5bzxf 2x\"\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E","\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Bank of America\u00ae Business Advantage Cash Rewards Mastercard\u00ae credit card\" href=\"#business\"\u003E\u003Cstrong\u003EBank of America\u00ae Business Advantage Cash Rewards Mastercard\u00ae credit card\u003C\/strong\u003E\u003C\/a\u003E\u003C\/span\u003E","Business","Excellent","$0","Not available on ValuePenguin"],["\u003Cdiv class=\"ShortcodeImageBare--root \" \u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container \"\u003E\n \u003Cimg alt=\"unavailable credit card\" class=\"ShortcodeImage--image lazyload\" data-src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/unavailable-card-update_c5bzxf\" src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,e_blur:1000,f_auto,h_1600,q_1,w_1600\/v1\/unavailable-card-update_c5bzxf\" data-srcset=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/unavailable-card-update_c5bzxf 1x, http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_1600\/v1\/unavailable-card-update_c5bzxf 2x\"\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E","\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Citi Simplicity\u00ae Card - No Late Fees Ever\" href=\"#balancetransfer\"\u003E\u003Cstrong\u003ECiti Simplicity\u00ae Card - No Late Fees Ever\u003C\/strong\u003E\u003C\/a\u003E\u003C\/span\u003E","Balance Transfer","Excellent\/Good","$0","\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root Button--root Button--tertiary\" title=\"Read Review\" href=\"https:\/\/www.valuepenguin.com\/citi-simplicity-card\"\u003ERead Review\u003C\/a\u003E\u003C\/span\u003E"]],"footnote":"","hasMarginBottom":true,"isExpandable":true,"isSortable":false,"maxWidth":"900","minWidth":"100%","showSearch":false,"sortColumnIndex":0,"sortDirection":"asc"}

Recommended Cards

unavailable credit card
Capital One® Savor® Cash Rewards Credit Card$95Read Review
Citi® Double Cash Card – 18 month BT offer
Citi® Double Cash Card – 18 month BT offer
Apply Now
  • On Citibank's Secure Website
unavailable credit card
Citi® / AAdvantage® Platinum Select® World Elite Mastercard®Read Review
unavailable credit card
Secured Mastercard® from Capital One
unavailable credit card
Bank of America® Business Advantage Cash Rewards Mastercard® credit card
unavailable credit card
Citi Simplicity® Card - No Late Fees EverRead Review
{"alignsHorizontal":["left","center","center"],"alignsVertical":[],"columnWidths":["20%","40%","40%"],"data":[["\u003C\/p\u003E\n\n\u003Cp\u003ERecommended Cards","<<<","<<<"],["\u003Cdiv class=\"ShortcodeImageBare--root \" \u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container \"\u003E\n \u003Cimg alt=\"unavailable credit card\" class=\"ShortcodeImage--image lazyload\" data-src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/unavailable-card-update_c5bzxf\" src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,e_blur:1000,f_auto,h_1600,q_1,w_1600\/v1\/unavailable-card-update_c5bzxf\" data-srcset=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/unavailable-card-update_c5bzxf 1x, http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_1600\/v1\/unavailable-card-update_c5bzxf 2x\"\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E","\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Capital One\u00ae Savor\u00ae Cash Rewards Credit Card\" href=\"#rewards\"\u003E\u003Cstrong\u003ECapital One\u00ae Savor\u00ae Cash Rewards Credit Card\u003C\/strong\u003E\u003C\/a\u003E\u003C\/span\u003E","$95","\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root Button--root Button--tertiary\" title=\"Read Review\" href=\"https:\/\/www.valuepenguin.com\/capital-one-savor-rewards-credit-card\"\u003ERead Review\u003C\/a\u003E\u003C\/span\u003E"],["\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-AffiliateImage\" data-component-name=\"AffiliateImage\"\u003E\n \u003Cdiv class=\"AffiliateImage--root AffiliateImage--align-left \"\u003E\u003Cdiv class=\"AffiliateImage--wrapper\"\u003E\u003Cimg alt=\"Citi\u00ae Double Cash Card \u2013 18 month BT offer\" class=\"Image--root \" src=\"https:\/\/cdn.comparecards.com\/uploads\/images\/items\/4595.png\"\/\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"AffiliateImage\"\u003E{\"align\":\"\",\"className\":\"\",\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4595.png\",\"name\":\"Citi\\u00ae Double Cash Card \\u2013 18 month BT offer\"}\u003C\/script\u003E\n\n\u003C\/div\u003E","\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Citi\u00ae Double Cash Card \u2013 18 month BT offer\" href=\"#cashback\"\u003E\u003Cstrong\u003ECiti\u00ae Double Cash Card \u2013 18 month BT offer\u003C\/strong\u003E\u003C\/a\u003E\u003C\/span\u003E","\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-AffiliateButton\" data-component-name=\"AffiliateButton\"\u003E\n \u003Cdiv class=\"AffiliateButtonV2--root \"\u003E\u003Ca class=\"Link--root Button--root Button--primary Button--fluid \" href=\"\/credit-cards\/redirect\/710?url=_best-mastercard-credit-cards\" rel=\"nofollow\" target=\"_blank\" title=\"Apply Now\"\u003EApply Now\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--lock\" color=\"inherit\" name=\"lock\"\u003E\u003C\/span\u003E\u003C\/a\u003E\u003Cdiv class=\"DisclaimersList--root\"\u003E\u003Cul class=\"DisclaimersList--unordered-list\"\u003E\u003Cli class=\"DisclaimersList--list-item\"\u003EOn Citibank's Secure Website\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"AffiliateButton\"\u003E{\"category\":\"creditcards\",\"color\":\"primary\",\"context\":\" in context: Banner\",\"disclaimers\":[\"On Citibank's Secure Website\"],\"icon\":\"lock\",\"label\":\"Apply Now\",\"link\":\"\\\/credit-cards\\\/redirect\\\/710?url=_best-mastercard-credit-cards\",\"name\":\"Citi\\u00ae Double Cash Card \\u2013 18 month BT offer\"}\u003C\/script\u003E\n\n\u003C\/div\u003E"],["\u003Cdiv class=\"ShortcodeImageBare--root \" \u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container \"\u003E\n \u003Cimg alt=\"unavailable credit card\" class=\"ShortcodeImage--image lazyload\" data-src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/unavailable-card-update_c5bzxf\" src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,e_blur:1000,f_auto,h_1600,q_1,w_1600\/v1\/unavailable-card-update_c5bzxf\" data-srcset=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/unavailable-card-update_c5bzxf 1x, http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_1600\/v1\/unavailable-card-update_c5bzxf 2x\"\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E","\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Citi\u00ae \/ AAdvantage\u00ae Platinum Select\u00ae World Elite Mastercard\u00ae\" href=\"#airline\"\u003E\u003Cstrong\u003ECiti\u00ae \/ AAdvantage\u00ae Platinum Select\u00ae World Elite Mastercard\u00ae\u003C\/strong\u003E\u003C\/a\u003E\u003C\/span\u003E","\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root Button--root Button--tertiary\" title=\"Read Review\" href=\"https:\/\/www.valuepenguin.com\/platinum-select-aadvantage-world-mastercard\"\u003ERead Review\u003C\/a\u003E\u003C\/span\u003E"],["\u003Cdiv class=\"ShortcodeImageBare--root \" \u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container \"\u003E\n \u003Cimg alt=\"unavailable credit card\" class=\"ShortcodeImage--image lazyload\" data-src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/unavailable-card-update_c5bzxf\" src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,e_blur:1000,f_auto,h_1600,q_1,w_1600\/v1\/unavailable-card-update_c5bzxf\" data-srcset=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/unavailable-card-update_c5bzxf 1x, http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_1600\/v1\/unavailable-card-update_c5bzxf 2x\"\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E","\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Secured Mastercard\u00ae from Capital One\" href=\"#bad\"\u003E\u003Cstrong\u003ESecured Mastercard\u00ae from Capital One\u003C\/strong\u003E\u003C\/a\u003E\u003C\/span\u003E",""],["\u003Cdiv class=\"ShortcodeImageBare--root \" \u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container \"\u003E\n \u003Cimg alt=\"unavailable credit card\" class=\"ShortcodeImage--image lazyload\" data-src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/unavailable-card-update_c5bzxf\" src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,e_blur:1000,f_auto,h_1600,q_1,w_1600\/v1\/unavailable-card-update_c5bzxf\" data-srcset=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/unavailable-card-update_c5bzxf 1x, http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_1600\/v1\/unavailable-card-update_c5bzxf 2x\"\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E","\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Bank of America\u00ae Business Advantage Cash Rewards Mastercard\u00ae credit card\" href=\"#business\"\u003E\u003Cstrong\u003EBank of America\u00ae Business Advantage Cash Rewards Mastercard\u00ae credit card\u003C\/strong\u003E\u003C\/a\u003E\u003C\/span\u003E",""],["\u003Cdiv class=\"ShortcodeImageBare--root \" \u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container \"\u003E\n \u003Cimg alt=\"unavailable credit card\" class=\"ShortcodeImage--image lazyload\" data-src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/unavailable-card-update_c5bzxf\" src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,e_blur:1000,f_auto,h_1600,q_1,w_1600\/v1\/unavailable-card-update_c5bzxf\" data-srcset=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/unavailable-card-update_c5bzxf 1x, http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_1600\/v1\/unavailable-card-update_c5bzxf 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Continue reading for a detailed look at the benefits and features of each card. You can also head to our credit card comparison tool at the bottom of the page to see which Mastercard works best for your budget.

Best Mastercard for Rewards

The Capital One® Savor® Cash Rewards Credit Card is an excellent option for people who spend money on dining and entertainment. You'll Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases.

Top Rewards Rate on Dining and Entertainment

With the Capital One® Savor® Cash Rewards Credit Card, you'll earn one of the highest available rewards rate on dining and entertainment purchases at 4% back. The American Express® Gold Card also lets you Earn 4X Membership Points on Restaurants worldwide, including takeout and delivery. Additionally, earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X), and 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com. However, it comes with a much higher annual fee of $250.

Limited-time offer. Cardholders can continue to earn 4% cash back on streaming service subscriptions (through April 30, 2021).

Worth It for Moderate Spenders

Though the Capital One® Savor® Cash Rewards Credit Card comes with a $95 annual fee, the card is worth it if you spend more than $2,000 per year in the dining and entertainment category and more than $1,000 per year in the grocery store category. Otherwise, you'll be better with a $0 annual fee Mastercard like the Citi® Double Cash Card – 18 month BT offer.

Best Mastercard for Cash Back

  • On Citibank's Secure Website

The Citi® Double Cash Card – 18 month BT offer is an excellent card for people who value simplicity. For no annual fee, you'll Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. Most other flat rate cash back cards only offer 1.5% back on purchases.

No Rotating Categories to Manage

One of the best features of the Citi® Double Cash Card – 18 month BT offer is that it offers a strong rewards rate on all purchases without you having to activate rotating bonus categories. With the Discover it® Cash Back and Chase Freedom®, for example, you'll have to activate the bonus categories every quarter to earn 5% cash back on purchases. In addition, both cards have a $1,500 cap on the purchases you can earn rewards on each quarter. This works for some people, but the Citi® Double Cash Card – 18 month BT offer is a better option if you'd prefer a simple card.

Competitive 0% for 18 months on Balance Transfers

The Citi® Double Cash Card – 18 month BT offer also comes with an intro APR of 0% for 18 months on Balance Transfers, then a 13.99% – 23.99% (Variable) APR thereafter. Although we advise to always pay off your balance in full, this rate gives you the flexibility to take your time paying off a large purchase. Plus, you'll benefit from the card's excellent rewards even after the introductory period ends.

Best Mastercard for Earning Airline Miles

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

Travel Benefits on American Airlines

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

Decent Welcome Bonus for New Cardmembers

As with all good rewards cards, the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® offers a competitive welcome bonus to new cardmembers: Earn 50,000 American Airlines AAdvantage® bonus miles after $2,500 in purchases within the first 3 months of account opening.

Best Mastercard for Small Business Owners

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

Unrivaled Rewards for a Card with $0 Annual Fee

If your business has expenses at gas stations and office supply stores, or one of the other six categories, the Bank of America® Business Advantage Cash Rewards Mastercard® credit card will earn you one of the best rewards rate possible on those purchases: Earn 3% cash back in the category of your choice, 2% cash back on dining and unlimited 1% cash back on all other purchases. You'll get 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter. Other business cards, like the American Express® Business Gold Card, earn a higher rewards rate but charge an annual fee.

Relationship Bonus

One of the best features of the Bank of America® Business Advantage Cash Rewards Mastercard® credit card is the relationship bonus for small business owners who bank with Bank of America. When you enroll in the Business Advantage Relationship Rewards program, you can qualify for an extra 25% to 75% cash back. This means that you could potentially earn a 5.25% rewards rate on gas station and office supply store purchases.

Best Mastercard for Balance Transfers

The Citi Simplicity® Card - No Late Fees Ever is an excellent choice for people looking to get rid of high-interest credit card debt. The card offers one of the longest intro offers for balance transfers available: 0% for 18 months on Balance Transfers, then a 14.74% - 24.74% (Variable) APR applies.

No Unnecessary Fees

Aside from the introductory balance transfer period, the Citi Simplicity® Card - No Late Fees Ever is great because it will never charge you any late fees and penalty rates. There is also $0 annual fee. While we suggest to always pay your credit card bill on time, it's great to have the added cushion if you make a mistake and forget to submit a payment.

No Rewards

The one downside to the Citi Simplicity® Card - No Late Fees Ever is that it doesn't earn rewards on purchases. If you want a balance transfer card that also earns rewards, you'll have to sacrifice the length of the 0% APR period. One option for this would be the Discover it® Balance Transfer where you can earn 5% back on rotating categories that you activate each quarter.

Yowana is a former product analyst at ValuePenguin, specializing in credit cards, rewards programs and travel. He previously covered mortgages, banking and insurance for the website. Yowana graduated from Columbia University with a B.A. in Political Science.

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.

Advertiser Disclosure: The products that appear on this site may be from companies from 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). ValuePenguin does not include all financial institutions or all products offered available in the marketplace.

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

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