Mastercard Credit Cards
Here is a summary of all the Mastercard credit cards offered on our site.
Each card below contains our editor’s rating and objective opinion. Most of the credit card offers shown below are from our advertising partners, however LowCards editors have reviewed each of the features and benefits of the cards below and sorted them in order of our editor’s opinion:
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EDITOR RATING
Best Card Features: Earn cash back TWICE. 1% when you buy plus 1% as you pay; 0% APR for 18 months on balance transfers
- Earn cash back TWICE. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
- To earn cash back, pay at least the minimum due on time.
- Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.99% – 25.99% based on your creditworthiness.
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Regular APR15.99%– 25.99% (Variable)
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Intro APR0% intro APR for 18 months on balance transfers*
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Annual Fee$0
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Good/Excellent Credit 725 - 799
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EDITOR RATING
Best Card Features: 0% APR for 21 months on balance transfers and 12 months on purchases; no annual fee, late fee or penalty rate
- No Late Fees, No Penalty Rate, and No Annual Fee… Ever
- 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 16.74% – 26.74%, based on your creditworthiness
- 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 16.74% – 26.74%, based on your creditworthiness
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Regular APR16.74% - 26.74%* (Variable)
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Intro APR0%* for 21 months on Balance Transfers*; 0%* for 12 months on Purchases*
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Annual Fee$0*
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Good/Excellent Credit 725 - 799
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EDITOR RATING
Best Card Features: No annual fee, no penalty APR; free FICO® Score
- 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 14.99% – 24.99% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
- No annual fee
- No penalty APR. Paying late won’t automatically raise your interest rate (APR). Other account pricing and terms apply
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Regular APR14.99% - 24.99% Variable APR on purchases
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Intro APR0% Introductory APR on purchases for 18 billing cycles; 0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days
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Annual Fee$0
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Excellent Credit 750- 850
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EDITOR RATING
Best Card Features: $200 bonus after spending $1,000 in first 90 days; no annual fee
- No annual fee
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
- Earn 3% cash back on gas or your choice of one of five other popular categories, 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
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Regular APR15.99% - 25.99% Variable APR on purchases
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Intro APR0% Introductory APR on purchases for 15 billing cycles; 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days
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Annual Fee$0
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Excellent Credit 750- 850
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EDITOR RATING
Best Card Features: Only card to round up rewards to nearest 10 points; 15,000 bonus points after spending $1,000 in first 3 months
- The Citi Rewards+℠ Card – the only credit card that automatically rounds up to the nearest 10 points on every purchase – with no cap.
- Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
- 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 15.49% – 25.49%, based on your creditworthiness.
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Regular APR15.49% - 25.49% (Variable)
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Intro APR0% for 15 months on Purchases and Balance Transfers
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Annual Fee$0
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Good/Excellent Credit 725 - 799
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EDITOR RATING
Best Card Features: No annual fee; $150 statement credit after spending $1,200 in first 90 days; 0% intro APR for 12 months
- 0% Intro APR on Purchases and Balance Transfers for 12 months; after that the variable APR will be 15.15% – 25.15%, based
on your creditworthiness - Earn $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening
- Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel,
and automotive
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Regular APR15.15% - 25.15% (variable)
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Intro APR0% APR for 12 months on purchases and balance transfers
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Annual Fee$0
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Excellent Credit 750- 850
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EDITOR RATING
Best Card Features: Rewards Points, No Annual Fee
- Get a $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening – with no annual fee, no cap on the amount of cash rewards you can earn and they don’t expire.
- 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.
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Regular APR14.24% - 24.24% Variable APR on purchases
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Intro APR0% for 9 billing cycles
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Annual Fee$0.00
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Excellent Credit 750- 850
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EDITOR RATING
Best Card Features: Rewards Points, No Annual Fee
- Earn 25,000 bonus points when you make at least $1,000 in net purchases within 60 days of your account opening which can be redeemed for a $250 statement credit towards travel purchases.
- Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time-no matter how much you spend. Points don’t expire.
- Earn 3 points per every dollar spent on travel purchases (car, hotel, airline) booked through the Bank of America® Travel Center – powered by Expedia®.
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Regular APR13.24% - 23.24% Variable APR on purchases
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Intro APR0% for 9 billing cycles
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Annual Fee$0.00
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Excellent Credit 750- 850
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EDITOR RATING
Best Card Features: No annual fee; access to higher credit line after making first 5 monthly payments on time
- 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
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Regular APR26.96% (Variable)
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Intro APRN/A
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Annual Fee$0
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Fair Credit 640 - 699
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EDITOR RATING
Best Card Features: 1.5% cash back on every purchase; access to higher credit line after making first 5 monthly payments on time
- 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
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Regular APR26.96% (Variable)
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Intro APRN/A
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Annual Fee$39
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Fair Credit 640 - 699
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EDITOR RATING
Best Card Features: No annual fee; 0% intro APR on purchases for 7 months; only student card to round up rewards to nearest 10 points
- The Citi Rewards+SM Student Card – the only credit card that automatically rounds up to the nearest 10 points on every purchase – with no cap
- Earn 2,500 bonus points after you spend $500 in purchases with your card within 3 months of account opening; redeemable for a $25 gift card at thankyou.com
- 0% Intro APR on purchases for 7 months. After that, the variable APR will be 16.49% – 26.49%, based on your creditworthiness
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Regular APR16.49% - 26.49% (Variable)
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Intro APR0% for 7 months on Purchases
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Annual Fee$0
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Good Credit 700 - 749
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EDITOR RATING
Best Card Features: No annual fee; earn 1% cash back on all purchases; pay on time to boost your cash back to 1.25% for that month
- 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
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Regular APR26.96% (Variable)
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Intro APRN/A
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Annual Fee$0
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Fair Credit 640 - 699
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EDITOR RATING
Best Card Features: No annual fee; reports to major credit bureaus; access to higher credit line after making first 5 monthly payments on time
- 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
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Regular APR26.99% (Variable)
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Intro APRN/A
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Annual Fee$0
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Bad Credit300 - 639
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EDITOR RATING
Best Card Features: No annual fee; builds credit by reporting to major credit bureaus; initial security deposit can be as low as $200
- The Citi® Secured Mastercard® is a no annual fee credit card that helps you build your credit when used responsibly.
- Unlike a debit card, it helps build your credit history with monthly reporting to all 3 major credit bureaus. Once available, you will also have free access to your FICO score online.
- Use your card anywhere Mastercard® is accepted — worldwide.
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Regular APR24.49%* (Variable)
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Intro APRN/A
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Annual Fee$0
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Good Credit 700 - 749
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