Best MasterCard® Prepaid & Credit Cards
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With over 40 years in the business, MasterCard is one of the most well-known and trusted leaders in the credit card industry. Most of their cards offer everything from cash back rewards to perks in every area from travel to dining. Whether you have excellent credit, or you need a little help improving your credit, there is a MasterCard for you.
MasterCard® benefits range from purchase protection and extended warranties to concierge service and travel insurance. They offer a wide range of personal, business, and student credit cards, with many different programs to ensure they meet the needs of every customer.
OUR CHOICE FOR EXCELLENT/GOOD CREDIT:
OUR CHOICE FOR LIMITED/NO CREDIT:
Excellent/Good Credit
Required FICO score for this card: 660 to 850
You can apply if: you have a long and positive credit history with a mix of credit types, you keep your balances low and make on time payments.
This credit offer is only for people with Excellent or Good credit history.
Have Bad credit history? Click Here!
No credit history? Click Here!
Fair credit? Click Here!
0% on Balance Transfers and Purchases for 18 months Summary of Card Features:
- 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness.
- There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
- No late fees - EVER.
- No penalty rate - EVER.
- No annual fee - EVER.
- Save time when you call with fast, personal help, 24 hours a day.
| Intro APR on Purch. | Intro APR on Bal. Tr. | Regular APR | Annual Fee | Activation Fee |
|---|---|---|---|---|
| 0% (18 months)26 | 0% (18 months)26 | 12.99% - 21.99% (Variable) | $026 | $0 |
Average / Limited
You can apply if: you own credit card or other credit for less than 3 years or you have defaulted on a loan in the past 5 years.
Get 50% more cash back every year Summary of Card Features:
- 50% bonus on the cash back you earn every year.
- 1% cash back on all purchases.
- Earn unlimited cash back that doesn´t expire.
- Redeem cash back anytime for any amount, even set automatic redemptions.
- Personalize your card with an image of your choice.
- 0% intro APR on purchases until March 2014.
| Intro APR on Purch. | Intro APR on Bal. Tr. | Regular APR | Annual Fee | Activation Fee |
|---|---|---|---|---|
| 0% (until March 2014) | n/a | 19.8% (V) | $39 | See terms |
Fair / Poor Credit
Required FICO score for this card: 620 to 659
You can apply if: you have black spots on your credit history - missed payments, bankruptcy, foreclosure, maxed-out cards, or defaults.
Apply for a credit card today - Get a response today! Summary of Card Features:
- Must have checking account to qualify.
- A Gold credit card offer for those with less than perfect credit.
- Responsible account management (making timely monthly payments with all creditors and keeping balances within the limits) may help rebuild credit history.
- Reports your credit history to the major Consumer Reporting Agencies.
- Apply today and if approved, simply pay a Processing Fee and you could begin enjoying a $300 credit limit (subject to available credit).
| Intro APR on Purch. | Intro APR on Bal. Tr. | Regular APR | Annual Fee | Activation Fee |
|---|---|---|---|---|
| n/a | n/a | See website* | See website* | See website* |
Fair / Poor Credit
Required FICO score for this card: 620 to 659
You can apply if: you have black spots on your credit history - missed payments, bankruptcy, foreclosure, maxed-out cards, or defaults.
Reports to the major Consumer Reporting Agencies Summary of Card Features:
- Checking Account Required.
- Apply today and if approved, simply pay a Processing Fee and you could begin enjoying a $300 credit limit (subject to available credit).
- Reports to the major Consumer Reporting Agencies.
- Easy Application process!
- Bad Credit? Good Option!
- Apply for your next credit card account with First PREMIER Bank.
- A new kind of credit card.
- Timely payments and remaining below your credit limit with all your creditors may help you build a positive credit history.
| Intro APR on Purch. | Intro APR on Bal. Tr. | Regular APR | Annual Fee | Activation Fee |
|---|---|---|---|---|
| n/a | n/a | See website* | See website* | See website* |
Average / Limited
You can apply if: you own credit card or other credit for less than 3 years or you have defaulted on a loan in the past 5 years.
Start building your U.S. credit today Summary of Card Features:
- A card designed to help those new to the U.S. establish credit and earn cash back.
- Build credit with responsible use -- plus automatic reporting to the three major credit bureaus.
- Get 2% cash back on travel purchases.
- Earn 1% cash back on all other purchases.
- No foreign transaction fees.
- No annual fee.
| Intro APR on Purch. | Intro APR on Bal. Tr. | Regular APR | Annual Fee | Activation Fee |
|---|---|---|---|---|
| n/a | n/a | 24.9% (V) | $0 | See terms |
Average / Limited
You can apply if: you own credit card or other credit for less than 3 years or you have defaulted on a loan in the past 5 years.
0% Intro APR on Purchases Summary of Card Features:
- 0% intro APR on purchases until March 2014.
- $0 Fraud Liability if your card is lost or stolen.
- Enjoy MasterCard benefits, including 24-hour roadside assistance and extended warranty protection.
- Pick an image for your card - choose the one shown here, any of the hundreds in our collection, or add your own.
| Intro APR on Purch. | Intro APR on Bal. Tr. | Regular APR | Annual Fee | Activation Fee |
|---|---|---|---|---|
| 0% (until March 2014) | n/a | 19.8% (V) | $39 | See terms |
Excellent Credit
Required FICO score for this card: 750 to 850
You can apply if: you have not been late on any credit card or loan in the last year and make timely payments, you have long lasting credit history and high credit limit; you have never declared a bankruptcy or defaulted loan.
This credit offer is only for people with Excellent credit history.
Have Bad credit history? Click Here!
No credit history? Click Here!
Fair credit? Click Here!
0% Introductory APR on Purchases and Balance Transfers for the first 12 Months from account opening Summary of Card Features:
- No annual fee.
- Earn $50 cash back with your first purchase.
- With eligible online purchases through Upromise, you can earn 5% or more cash back as well as an additional 5% when you use your Upromise World MasterCard.
- Earn 4% back at thousands of participating Upromise dining restaurants.
- Earn up to 3% cash back on eligible gas purchases at Exxon or Mobile locations.
- Earn 2% cash back at eligible movie theaters.
- Earn 1% cash back everywhere else.
- Earn cash back on every purchase with no caps.
- 0% introductory APR on purchases and balance transfers for the first 12 months from account opening. After that, a variable APR, currently 12.99% or 20.99% depending on your creditworthiness.
| Intro APR on Purch. | Intro APR on Bal. Tr. | Regular APR | Annual Fee | Activation Fee |
|---|---|---|---|---|
| 0% (12 billing cycles) | 0% (12 billing cycles) | 12.99% or 20.99% (Variable) | $0 | $0 |
Bad / No Credit
Required FICO score for this card: 0 to 619
You can apply if: you have never had a credit card or haven’t established a credit history yet; your credit has seen bankruptcies or foreclosures.
No Activation Fee Summary of Card Features:
- No Activation Fee.15
- $10 for enrolling in direct deposit.15
- Fees as low as $4.95 per month.
- Takes you places cash can´t go.
| Activation Fee | Guaranteed Approval | Instant Response | Credit Check | Build Credit | Reporting Credit Bureaus |
|---|---|---|---|---|---|
| $0 | No | No | No | No | No |
Bad / No Credit
Required FICO score for this card: 0 to 619
You can apply if: you have never had a credit card or haven’t established a credit history yet; your credit has seen bankruptcies or foreclosures.
Free Bill Pay and online budget management tools Summary of Card Features:
- Use Direct Deposit - get your paycheck or government benefits check up to 2 days faster.
- Refill a Prepaid Phone using your Control card - Get $1 back each time you add $25 or more.
- Simple fee plan with no cost to order or activate a card and no overdraft fees.
- Qualify for a $10 Purchase Cushion and $5/month fee plan after a Direct Deposit of $500 in one calendar month.
- Earn Cash Back Rewards & Refer A Friend bonuses.
- Free Bill Pay and online budget management tools.
- Transfer money to other cardholders online or with your mobile phone.
- Free Smartphone App - check your transactions, balance and find the closest reload location.
| Activation Fee | Guaranteed Approval | Instant Response | Credit Check | Build Credit | Reporting Credit Bureaus |
|---|---|---|---|---|---|
| $0 | Yes | No | No | No | No |
Bad / No Credit
Required FICO score for this card: 0 to 619
You can apply if: you have never had a credit card or haven’t established a credit history yet; your credit has seen bankruptcies or foreclosures.
100% Guaranteed Approval Summary of Card Features:
- $0 Monthly Fee.
- No Credit Check or ChexSystems check.
- Instant Account Number.
- Free Direct Deposit - paycheck, benefits, tax refunds.
- Easy 24/7 Online Account Access.
- Earn Purchase Rewards and Refer-a-Friend Cash Bonus.
- Use it Everywhere Mastercard Debit card accepted.
| Activation Fee | Guaranteed Approval | Instant Response | Credit Check | Build Credit | Reporting Credit Bureaus |
|---|---|---|---|---|---|
| $4.95 | Yes | Yes | No | No | No |
Bad / No Credit
Required FICO score for this card: 0 to 619
You can apply if: you have never had a credit card or haven’t established a credit history yet; your credit has seen bankruptcies or foreclosures.
No Credit Check, Overdraft Fees or Interest Charges. Summary of Card Features:
- Real-time mobile alerts notify you of transactions and balances.
- Free direct deposit - get your paycheck and government benefits up to 2 days faster.
- Instantly transfer money from your PayPal Account to your PayPal Prepaid MasterCard®!
- No credit check, overdraft fees or interest charges.
- Get cash back rewards.
- Safer than carrying cash - use it to pay for everyday purchases.
| Activation Fee | Guaranteed Approval | Instant Response | Credit Check | Build Credit | Reporting Credit Bureaus |
|---|---|---|---|---|---|
| see site | No | Yes | No | No | No |
Great Number of Benifits from MasterCard®
Extended Warranties and Purchase Assurance
When you buy something with your MasterCard, the original warranty is doubled in length and gives you the same coverage that the manufacturer gave you, for up to 12 months. Purchase Assurance Coverage protects you against damage or theft within 90 days of purchasing an item, up to a maximum value of $1,000 per claim and $25,000 per account every year.
Travel Services
As you prepare for a trip, MasterTrip will give you information on travel requirement like documentation, immunizations, and exchange rates. In the event of a travel emergency, MasterTrip will arrange a transfer of up to $5,000 from a family member, friend, or account back home. MasterTrip's medical assistance network will refer you to physicians, dentists, and pharmacies, and if you are hospitalized we will relay messages home and help a family member come to your aid if necessary.
Legal Help
MasterLegal will refer you to embassies or lawyers who can help you if you are in a jam overseas. It can assist with transfers of up to $5,000 cash from family, friends, or businesses at home to cover legal fees.
Our Experts about MasterCard® Credit Cards
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Try Our Credit Card Tools:
Use these tools to make some helpful calculations and comparisons to build your own plan for managing your credit health.
Balance Transfer Calculator: Save on average $1,400!
Carrying a balance? Find out how much you'll save - and how much faster you'll pay it off - by transferring your balance to a new card. Our Balance Transfer Calculator does the math for you and eliminates the guesswork.
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** FICO scores/credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit product.
* 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" button, you can review the credit card terms & conditions on the credit card issuer´s website.
15 See Card Terms and Conditions.
26 See the Citi card terms and conditions online.