Mastercard® Credit Card Applications of 2018
ADVERTISING DISCLOSURE
ADVERTISING DISCLOSURE:
Credit-Land.com is an independent, advertising-supported web site.
Credit-Land.com receives compensation from most credit card issuers whose offers appear on our site.
Compensation from our advertising partners impacts how and where their products appear on our site,
including, for example, the order in which they may appear within review lists.
Credit-Land.com has not reviewed all available credit card offers in the marketplace.
September 2018: Best Mastercard® Credit Cards from our partners
Mastercard is a well-known and trusted company in the credit card industry. Most of their cards offer everything from cash back rewards to perks in every area from travel to dining. With excellent credit, you can earn Mastercard rewards, and with bad credit, you can get a Mastercard to rebuild credit.
Excellent Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
16.24% - 25.24%* (Variable)
$95, waived for first 12 months*
CARD DETAILS:
- Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
- Earn 3X Points on Travel, Including Gas Stations
- Earn 2X Points on Dining Out & Entertainment
- Earn 1X Points on All Other Purchases
- 60,000 Points are redeemable for $750 in airfare on any airline, anytime with no blackout dates when booked through the ThankYou® Travel Center, or $600 in gift cards when redeemed at thankyou.com
- No expiration and no limit to the amount of points you can earn with this card
- Points Transfer allows you to transfer points to participating airline loyalty programs
- No Foreign Transaction Fees on purchases*
Excellent, Good Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
16.24% - 25.24% (Variable)
$0 intro for first year; $95 after that
CARD DETAILS:
- Click «APPLY ONLINE» to apply now
- Earn a one-time $500 cash bonus after you spend $3000 on purchases within the first 3 months from account opening
- Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
- No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
- No foreign transaction fees
- Access to premium experiences in dining, entertainment and more
- $0 intro annual fee for the first year, $95 after that
Good, Excellent Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
0% Intro APR for 15 months
Variable APR of 14.74%, 18.74% or 24.74%
None
CARD DETAILS:
- Earn unlimited 1.5% cash rewards on all purchases.
- Earn a $150 cash rewards intro bonus after spending $500 in the first 3 months.
- 10% Anniversary Bonus on all Cash Rewards earned once a year.
- No Annual Fee.
- 0% Intro APR for 15 months on balance transfers, then a 14.74%, 18.74% or 24.74% variable APR.
- No Foreign Transaction Fees.
- $0 liability for unauthorized purchases.
- Terms Apply.
Excellent, Good Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
0%* 12 months on Purchases*
0%* 21 months on Balance Transfers*
14.74% - 24.74%* (Variable)
$0*
CARD DETAILS:
- 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that the variable APR will be 14.74% - 24.74%, based on your creditworthiness
- 0% Intro APR on purchases for 12 months from date of account opening. After that the variable APR will be 14.74% - 24.74%, based on your creditworthiness
- If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balance, are paid in full
- There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
- $0 liability on unauthorized purchases and Citi® Identity Theft Solutions
- No annual fee
- Free access to FICO® Scores
Excellent, Good Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
0% 18 months on Balance Transfers*
15.24% - 25.24%* (Variable)
$0*
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 15.24% - 25.24% 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*
Good, Excellent Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
0% Intro APR for 18 months
0% Intro APR for 18 months
Variable APR of 12.74%, 16.74% or 20.74%
None
CARD DETAILS:
- 0% Intro APR on purchases and balance transfers for the first 18 months from account opening. Then a variable APR of 12.74%, 16.74% or 20.74% will apply.
- No Penalty APR.
- Late Fee Waiver.
- No Foreign Transaction Fees.
- $0 Annual Fee.
- $0 liability for unauthorized purchases.
- Terms Apply.
Good/Excellent Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
0% (first 12 billing cycles following each balance transfer that posts to your account within 45 days of account opening)
17.74%, 21.74% or 24.74% variable based on your creditworthiness
$89
CARD DETAILS:
- Click «APPLY ONLINE» to apply now
- Enjoy 60,000 bonus miles after spending $5,000 on purchases in the first 90 days and paying the annual fee
- 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
Excellent / Good Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
0% for 12 months
0% for 12 months
11.00% (V)
$0
CARD DETAILS:
- 0% Intro APR on Purchases and Balance Transfers for 12 months; after that the variable APR will be 11.00% (V)
- Earn $150 statement credit after you spend $1,200 on purchases within the first 90 days from account opening
- Unlimited Points That Don’t Expire
- Earn Points on Every Purchase! It’s simple: $1 = 1 Point
- No Annual Fee
- Select Your Rewards Your Way
Excellent, Good Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
0%* 18 months on Purchases*
0%* 18 months on Balance Transfers*
15.74% - 25.74%* (Variable)
$0*
CARD DETAILS:
- The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee… EVER
- 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 15.74% - 25.74% based on your creditworthiness
- There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
- The same great rate for all balances, after the introductory period
- Save time when you call with fast, personal help, 24 hours a day – just say “representative”
- Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month
Excellent, Good Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
0% intro on purchases for 15 months
0% intro on balance transfers for 15 months
14.74% - 24.74% (Variable)
$0
CARD DETAILS:
- Click «APPLY ONLINE» to apply now
- Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
- Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
- No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
- 0% intro APR on purchases for 15 months; 14.74% - 24.74% variable APR after that
- 0% intro APR on balance transfers for 15 months; 14.74% - 24.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
- No foreign transaction fee
- No annual fee
Excellent Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
0% 15 months on Purchases*
0% 15 months on Balance Transfers*
15.24% - 25.24%* (Variable)
$0*
CARD DETAILS:
- Enjoy 0% Intro APR on purchases for 15 months from date of account opening and 0% Intro APR on balance transfers for 15 months from date of first transfer; after that, the variable APR will be 15.24% - 25.24% based upon your creditworthiness*
- There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater*
- Earn 2X Points on Dining Out & Entertainment
- Earn 1X Points on All Other Purchases
- Points are redeemable for gift cards to popular retailers, restaurants, and department and home stores. 2,500 ThankYou® Points can be redeemed for a $25 gift card at thankyou.com
- No expiration and no limit to the amount of points you can earn with this card
- No annual fee*
Good/Excellent Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
0% intro APR for 12 months on balance transfers made within 45 days of account opening.
13.74% Variable
$0
CARD DETAILS:
- Click «APPLY ONLINE» to apply now
- Enjoy a 0% intro APR for 12 months on balance transfers made within 45 days of account opening. After that, a variable 13.74% APR will apply
- Low 13.74% variable APR on purchases and cash advances
- No annual fee
- No foreign transaction fees
- International Chip and PIN
Fair / Good Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
23.9%
$35 - $99*
CARD DETAILS:
- Our application is quick and easy with instant pre-qualification available
- All credit histories considered
- Access your account online or from your mobile device 24/7
- Choice of card image at no extra charge
- Account history is reported to the three major credit bureaus in the U.S.
- *Dependent on credit worthiness
Excellent / Good Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
0% for 12 months
0% for 12 months
14.65% - 24.65% Variable
$0
CARD DETAILS:
- 0% Intro APR on Purchases and Balance Transfers for 12 months; after that the variable APR will be 14.65% - 24.65%, based on your creditworthiness
- Earn $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening
- Unlimited Points That Don't Expire
- Earn Points on Every Purchase! It's simple: $1 = 1 Point
- No Annual Fee
- Select Your Rewards Your Way
Good/Excellent Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
17.74%, 21.74% or 24.74% variable based on your creditworthiness
$150 (waived first year)
CARD DETAILS:
- Click «APPLY ONLINE» to apply now
- 75,000 MILES EACH YEAR if you spend $25,000 on purchases
- After that, keep earning UNLIMITED 2X MILES on every purchase
- Global Entry – $100 automatic statement credit for the cost of one Global Entry application fee every five years
- Book the best travel deal, no airline, seat or hotel restrictions, and redeem your miles for travel statement credits
- Access to over 850 lounges worldwide with Mastercard® Airport Experience provided by LoungeKey, fees apply
- No foreign transaction fees
- International Chip and PIN for use at self-service chip terminals around the world
Excellent / Good Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
17.99% to 24.99% (V)
$0
CARD DETAILS:
- 1% cash back on all purchases
- 2% cash back on restaurants
- 3% cash back on travel
- No deposit required
- $0 annual fee
Average, Fair, Limited Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
24.99% (Variable)
$0
CARD DETAILS:
- Click «APPLY ONLINE» to apply now
- 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
Average, Fair, Limited Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
24.99% (Variable)
$39
CARD DETAILS:
- Click «APPLY ONLINE» to apply now
- 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
Fair / Good Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
23.9%
$35 - $99*
CARD DETAILS:
- Our application is quick and easy with instant pre-qualification available
- All credit histories considered
- Access your account online or from your mobile device 24/7
- Choice of card image at no extra charge
- Account history is reported to the three major credit bureaus in the U.S.
- *Dependent on credit worthiness
Fair / Good Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
23.9%
$0 - $99
CARD DETAILS:
- Simple and fast application process
- Don't have perfect credit? No problem!
- Free 24/7 account access and bill pay from anywhere
- No security deposit
- Account history is reported to the three major credit bureaus in the U.S.
Bad Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
n/a
n/a
See Terms
$0
CARD DETAILS:
- No Annual Fee. See WebBank/Fingerhut Credit Account Terms.
- No Over Limit Fee. See WebBank/Fingerhut Credit Account Terms.
- Instant Response (Delays may occur depending on application data provided).
- Apply for a WebBank/Fingerhut Credit Account today. Fill out our easy online application.
- Low Monthly Payments if you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of the credit.
- Choose From Over 450,000 items.
- Shop Great Brands at Fingerhut.com.
- Get the Credit You Deserve.
- We just love saying "YES!"
Fair/Bad Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
See Terms*
See Terms*
CARD DETAILS:
- All credit types welcome to apply!
- Monthly reporting to the three major credit bureaus
- Initial Credit Limit of $500.00!* (subject to available credit)
- Fast and easy application process; results in seconds
- Use your card at locations everywhere that Mastercard® is accepted
- Free online account access 24/7
- Checking Account Required
Fair / Good Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
23.9%
$35 - $99*
CARD DETAILS:
- Applying is quick and easy with our fast decision process
- Less than perfect credit is okay
- 24/7 access to your account information, even on mobile
- Card designs to fit your personality at no extra charge
- Account history is reported to the three major credit bureaus in the U.S.
- *Dependent on credit worthiness
Average, Fair, Limited Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
24.99% (Variable)
$0
CARD DETAILS:
- Click «APPLY ONLINE» to apply now
- Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
- Enjoy no annual fee and no foreign transaction fees
- Get a head start and build your credit with responsible use
- 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
- Pick the monthly due date that works best for you
- Get customized alerts and manage your account with the Capital One mobile app
Limited, Bad Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
24.99% (Variable)
$0
CARD DETAILS:
- Click «APPLY ONLINE» to apply now
- 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
Bad/Poor Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
23.9%
$35 - $99*
CARD DETAILS:
- Prequalify for a card today and it will not impact your credit score
- Less than perfect credit is okay
- Mobile account access at any time
- Protection from fraud if your card is stolen
- Account history is reported to the three major credit bureaus in the U.S.
- *Dependent on credit worthiness
Bad Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
n/a
n/a
0.00%
See Terms
CARD DETAILS:
- Must have Active Debit Card or Credit Card to qualify.
- Instant $500 Credit Line.
- No Credit Check.
- No Employment Check.
- Reports to a Major Credit Bureau.
- Fast Online Application.
- Bad Credit accepted.
Fair/Bad Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
See Terms*
See Terms*
CARD DETAILS:
- All credit types welcome to apply!
- Monthly reporting to the three major credit bureaus
- Initial Credit Limit of $500.00!* (subject to available credit)
- Fast and easy application process; results in seconds
- Use your card at locations everywhere that Mastercard® is accepted
- Free online account access 24/7
- Checking Account Required
Bad/Poor Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
23.9%
$35 - $99*
CARD DETAILS:
- Easy pre-qualification process which does not affect your credit score
- Less than perfect credit is okay
- 24/7 access to your account information, even on mobile
- Protection from fraud, if your card happens to be lost or stolen
- Account history is reported to the three major credit bureaus in the U.S.
Average, Fair, Limited Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
24.99% (Variable)
$39
CARD DETAILS:
- Click «APPLY ONLINE» to apply now
- 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
Average, Fair, Limited Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
24.99% (Variable)
$0
CARD DETAILS:
- Click «APPLY ONLINE» to apply now
- 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
Limited History, No Credit, New-to-Credit, Good
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
24.24%* (Variable)
$0
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
Bad Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
n/a
n/a
0.00%
See Terms
CARD DETAILS:
- Must have Active Debit Card or Credit Card to qualify.
- Instant $500 Credit Line.
- No Credit Check.
- No Employment Check.
- Reports to a Major Credit Bureau.
- Fast Online Application.
- Bad Credit accepted.
Average, Fair, Limited Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
24.99% (Variable)
$0
CARD DETAILS:
- Click «APPLY ONLINE» to apply now
- Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
- Enjoy no annual fee and no foreign transaction fees
- Get a head start and build your credit with responsible use
- 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
- Pick the monthly due date that works best for you
- Get customized alerts and manage your account with the Capital One mobile app
Best Mastercard® Rewards and Card Benefits
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.
Savings, Rewards, and Deals
Mastercard credit card rewards can come in the form of points, cash back or miles that can save you money. Even if you are not a happy cardholder of a Mastercard reward card, there are services that will allow to save on your purchases by simply linking your Mastercard credit, debit or prepaid card. In addition to rewards, you can take advantage of Mastercard promotions and exclusive offers when you use your card.
Low Interest Rates and Fees
Low interest credit cards are a real help when you do not pay off the card balance each month. You can keep your interest costs down with a low interest rate credit card from Mastercard. And if you are planning to make a big purchase, planning a trip or want to transfer some debt, you can get a Mastercard that has a 0% intro APR on purchases or zero on balance transfers, no annual fee, and no foreign transaction fee. Whatever your goals are, you can always find a low rate Mastercard.
See also Credit Cards for:
