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Mastercard has been a leading issuer of the best credit cards for both domestic and international transactions since 1966, and it's easy to see why.
Its logo is featured nearly everywhere, with acceptance at most retailers both in the U.S. and abroad. The standard benefits of a Mastercard include zero liability protection, Mastercard Global Service, and Mastercard ID Theft Protection. Upgraded cards with World and World Elite privileges have benefits like Lyft discounts, travel packages and concierge service, and entertainment perks.
But, with so many to choose from, which Mastercard is the best? We have the latest information on the best Mastercard credit cards in 2022 for your family.
card highlights intro bonusEarn 30,000 online bonus points after you make at least$3,000 in net purchases in the first 90 days of your account opening which can be redeemed for a$300 statement credit towards travel or dining purchases.APR18.49% - 28.49% Variable APR on purchases and balance transfersrecommended creditExcellentreward rates The Bank of America Business Advantage Travel Rewards World Mastercard credit card is made for the small business owner, offering rewards without any limitations so you can make the most out of your company's finances. There are unlimited 1.5 points for every$1 spent on purchases without restrictions on how much you spend or from which store you buy. It is also designed to help with travel, offering 3x the points when you choose the Bank of America Travel Center to book your car, hotel, or flight. Your points never expire, and there are no annual or foreign transactions fees to slow you down while on travel. Business owners that have a Bank of America checking account can earn up to 75% more points by qualifying for the highest tier of rewards, the Preferred Rewards for Business tier.
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card highlights intro bonusN/AAPR30.74% (Variable)recommended creditLimited, Badreward ratesN/Aannual fee$0 intro purchase APRN/Aadditional details intro balance transfer APRN/Abalance transfer fee$0 at the Transfer APR, 3% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to youbalance transfer APR30.74% (Variable)late payment feeUp to$40foreign transaction feesNonepenalty APRNoneThe Capital One Platinum Secured Credit Card is forgiving of new or damaging credit and offers a route to rebuild your credit. As a secured card, you will be required to make a deposit to guarantee your line of credit. This can be a minimum refundable deposit of$49,$99, or$200. There is no annual fee, but it comes with a very high, set APR of 29.99% variable, that does not offer the leeway of other cards.
After establishing a history of responsible payments, Capital One could refund your deposit and allow you to move to the unsecured Platinum card. Automatic credit line reviews can occur as soon as six months after you open your account.
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card highlights intro bonus$300 after you spend$3,000 on purchases within 3 months from account openingAPR20.99% - 28.99% Variablerecommended creditExcellent, Goodreward rates If you like to be out and about, the Capital One Savor Cash Rewards credit card is your perfect fit for dining and entertainment, like 8% off Vivid Seats tickets. Even if you love to lounge on the couch with some takeout, Capital One has you covered with 4% cashback on takeout, delivery, and your popular streaming services for that must-see movie or TV show. There is even 3% on groceries if you feel like playing Emeril at home, and you will earn 1% on all other purchases.
There is an annual fee that is under$100. However, the welcome bonus eases the sting with a one-time$300 cash bonus when you spend$3,000 within three months.
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card highlights intro bonusN/AAPR19.24% - 29.24% (Variable)recommended creditExcellent, Good, Fairreward rates The Citi Double Cash card will not bring you rewards or even an intro APR, but it does give rewards on a regular basis. Rewards are limited to just 1% cashback when you purchase your items, but there is another 1% awarded when you pay for a total of 2% cashback on your purchases. There are no category restrictions or limitations, so it is a simple rewards structure that is straightforward and upfront. Rewards are distributed as ThankYou Points under a new program beginning at the end of March 2022. You will have the choice to redeem your points as a direct deposit, check, statement credit, or gift card, among other rewards.
There is also a low starting APR of 18.99%, making it the second-lowest starting APR on our list.
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card highlights intro bonusEarn 60,000 bonus ThankYou? Points after you spend$4,000 in purchases within the first 3 months of account openingAPR21.24% - 29.24% (Variable)recommended creditExcellent, Goodreward rates When you sign up for a new Citi Premier card, you will receive 60,000 bonus points after making purchases totaling$4,000 or more within the first 3 months of opening your account. This is a reward that is worth$600 when you redeem via gift cards. When it comes time to redeem your rewards, you can use your ThankYou Points to redeem as gift cards or travel rewards, or you can opt to use them for online purchases at Amazon or Best Buy. There is also a$100 annual hotel savings benefit that will give you one$100 credit to use toward a hotel stay costing$500 or more.
While there is a$95 annual fee, there are no foreign transaction fees to help when you are a regular traveler. The APR starts higher than others with a purchase APR that starts at 20.99%, but it is not the highest APR on our list at 28.99% for poor credit.
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card highlights intro bonusN/AAPR22.99% Variablerecommended creditLimited/No Creditreward rates Deserve offers two cards, but its EDU card is a fantastic option for students with new or little credit. You don't have to worry about money taking up all your fees, either. Deserve EDU Mastercard for Students* does not charge any fees for balance transfers, foreign transactions, cash advances, or even annual account fees. However, there are also not any introductory offers that give points, miles, or cash value. You will receive a free one-year membership to Prime Student for all those dorm rooms and school supplies you will need while away at school.
The card does come with 1% cashback on all purchases, plus cell phone protection.
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card highlights intro bonusN/AAPR19.24% - 29.99% (Variable)recommended creditExcellent, Goodreward ratesN/Aannual fee$0 intro purchase APR0% for 12 months on Purchasesadditional details intro balance transfer APR0% for 21 months on Balance Transfersbalance transfer feeThere is an intro balance transfer fee of 3% of each transfer (minimum$5) completed within the first 4 months of account opening. A balance transfer fee of 5% of each transfer ($5 minimum) applies if completed after 4 months of account opening.balance transfer APR19.24% - 29.99% (Variable)late payment feeNo Late Feesforeign transaction fees3%The Citi Simplicity card specializes in balance transfers, offering an 0% introductory APR lasting 21 months - nine months longer than the 12-month period for the 0% purchase APR (with a variable APR 18.99% - 29.74% thereafter) . It means you have almost two years to make all the transfers you need before the fees kick in. This card also skips the usual fees with no late fee or annual fee, saving you potentially hundreds of dollars each month.
However, with no rewards program, this is not the card you want when you are looking for rewards. There are no bonus points or cashback rewards to offer redemption options like travel miles or cash value, so it really is best when your goal is to make multiple balance transfers.
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There are many different types of Mastercard credit cards, but they all differ in their purpose and rewards. However, trying to find the right one for you may not always be a simple task, especially if you are not sure what you need.
To find the best Mastercard credit cards, we analyzed today's top offerings using specific factors, including these:
These are all factors you can use to aid you in your search for the best Mastercard credit cards.
To help you find the right Mastercard for you, these are some expert recommendations from our ZDNet editorial team.
Choose this credit card... | When you... |
Bank of America Business Advantage Travel Rewards World Mastercard | Have small business credit needs |
Capital One Platinum Secured | Want to improve new or poor credit |
Capital One Savor Cash Rewards | Want cashback on dining and entertainment |
Citi Double Cash | Prefer flat-rate cashback rewards |
Citi Premier | Want to rack up frequent flier miles |
Citi Simplicity | Make a lot of transfers |
Deserve EDU Mastercard for Students | Want a student-friendly credit card |
Mastercard is a payment network that issues branded credit cards. These credit cards allow you to make purchases, receive cash advances, and transfer funds using a specific line of credit that you repay in full or in installments.
The best Mastercard all depends on you and your financial goals. Consider your personal spending and how that impacts your overall income. Some credit cards may offer extra rewards to earn you money, while others may focus on providing a line of credit to those with bad credit or even no credit.
Both Mastercard and Visa are similar in that they are accepted almost everywhere, and both carry significant benefits and rewards for their customers. However, Mastercard offers more benefits than Visa, making it slightly ahead when comparing Visa vs. Mastercard.
In our search for the best Mastercard credit cards, we came across many other options. These are some of the credit cards that almost made our list of the best Mastercard credit cards and may be worthy of your consideration.
To help you find the right credit card for you, consider some of our other expert picks, like the best cashback credit card, the best credit card for good credit, and the best travel business credit card.
*All information about the Deserve EDU Mastercard for Students has been collected independently by and has not been reviewed by the issuer.
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