Mastercard is one of the four major credit card networks. A range of credit cards are Mastercard cards, and each one comes with its own features and perks. To decide which Mastercard is best for you, first consider what you’re looking for in a credit card — whether it’s to get cash back, transfer a balance or get travel rewards. Learn more about the top Mastercard credit cards in each of those categories, and see what are the best credit card offers available now.
|Best Mastercard Credit Cards|
|Mastercard Card||Best For||Annual Fee||APR|
|Bank of America Cash Rewards Credit Card||Cash back||$0||0% intro APR for 12 billing cycles; then 15.24% to 25.24%|
|HSBC Gold Mastercard Credit Card||Balance transfers||$0||0% intro APR for 18 months; then 12.99%, 16.99% or 20.99%|
|Priority Destinations World Elite Mastercard||Travel||$0 for the first year; then $50||17.99%|
This no-annual-fee credit card allows you to earn cash back with every purchase. You’ll get 3 percent back on gas and 2 percent back on grocery store and wholesale club purchases for the first $2,500 in spending in each category per quarter. Every other purchase gets you 1 percent cash back.
- $200 cash rewards bonus after spending $500 on purchases within three months of account opening
- No changing categories for cash back
- No expiration for rewards
- 0% intro APR for 12 billing cycles for purchases and balance transfers made within the first 60 days
- 10 percent bonus if you redeem cash back into a Bank of America checking or savings account
- Compatible with any digital wallet
- Interest rises to 15.24-25.24% APR after the intro period
Why it’s the best for cash back: The Bank of America Cash Rewards Credit Card is the best cash-back Mastercard because unlike many other cash-back cards, there’s no annual fee, and you can earn up to 3 percent cash back on your purchases.
You can enjoy a 0% intro APR on balance transfers for a full 18 months from account opening with this HSBC Mastercard.
- 0% intro APR on purchases for the first 18 months
- No penalty APR
- Late fee waiver
- No foreign transaction fee
- No annual fee
- $0 fraud liability
- Interest rises to 12.99%, 16.99% or 20.99% APR after the intro period
- No cash back or other rewards
Why it’s the best for balance transfers: No other Mastercard gives you an intro 0% APR on both balance transfers and purchases for 18 months. Compare more of the best balance transfer credit cards.
This Mastercard allows you to earn Priority Miles with every purchase, which you can redeem for flights on a variety of airlines, as well as hotels, car rentals, activities, gift cards, e-certificates or cash back. Earn five Priority Miles for every $1 spent on travel for up to $6,000 per year, and two miles per $1 spent on travel purchases after that. You also earn two Priority Miles for every $1 spent on gas, groceries, cable, phone bills and utilities, and one Priority Mile for every $1 spent on anything else. See a complete list of the best travel credit cards.
- No foreign transaction fees
- No limit to Priority Miles you can earn
- No expiration on miles as long as you have used your card within 24 months
- Intro 4.99% APR on balance transfers for eight billing cycles
- $0 intro annual fee for the first year
- No intro APR on purchases
- Annual fee rises to $50 after the first year
Why it’s the best for travel: Most of Mastercard’s travel rewards cards come with a hefty annual fee. Not only does this card have no annual fee for the first year, but it remains at a relatively low $50 even after that, which makes the Priority Destinations World Elite Mastercard the best Mastercard for travel.
Read more about Mastercard vs. Visa and learn which one is better.
More on Credit Card Advice
- Best Rewards Credit Cards
- Best Hotel Credit Cards
- Best Low-Interest Credit Cards
- Watch: How to Build Credit
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