MasterCard credit cards

MasterCard is a second largest global payments network, covering almost 27% of all global purchase transactions.

Many banks over the World issue different types of cards under MasterCard payment network: credit, secured, prepaid and debit.

intro purchase APR no intro offerregular APRsee terms
good credit / fair credit required

Greater access to credit than before - $700 credit limit

Get a Mastercard accepted online, in store and in app

Account history is reported to the three major credit bureaus in the U.S.

$0 liability for unauthorized use

Access your account online or from your mobile device 24/7

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intro purchase APR no intro offerregular APR16.49 - 23.49% (V)
intro BT APR no intro offer 16.49 - 23.49%
rewards 1x-2x points on $1 +50,000 bonus
  • earn 2x points on travel and dining out 
  • get 50,000 bonus after spending $4,000 in the first 3 months
  • get 5,000 bonus miles after adding authorized user in 3 months after account opening
  • 25% more in travel redemption


good credit required

$95 annual fee, waived for the first year

or no annual fee for basic Sapphire card

2x points on travel and dining

1 point per dollar on all other purchases as usual

the card is made of metal

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intro purchase APR 0% for 21 monthsregular APR13.99 - 23.99% (V)
intro BT APR 0% for 21 months 3% BT fee $5 min
excellent required

no annual fee

0% APR for 21 months for BT and purchases

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intro purchase APR no intro offerregular APR10.40% to 20.40%*
intro BT APR no intro offer 3% BT fee
bad credit / no credit required

Best for members rebuilding or establishing credit

It's a real credit card — not a debit or prepaid card.

Determine your own credit limit ($250 to $5,000) with an interest-earning CD.

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intro purchase APR no intro offerregular APR15.24, 20.24, 24,24%
intro BT APR no intro offer 15.24-24.24%
rewards +$100 bonus 3% on dining, 2% on groceries
  • get $100 for spending $500 on the card in the first 3 months
  • 3% cash back on dining
  • 2% on groceries
  • 1% unlimited on everything else
excellent required

unlimited rewards 3% on dining, 2% on groceries, 1% on other purchases

$100 bonus for spending $500 on the card in the first 3 months

no annual fee

no balance transfer fee

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For a full list of benefits visit Master Card website. We’ll focus on the most important benefits here.

MasterCard cards come in Standard, Gold, Platinum, World, World Elite tiers, followed by the exclusive MasterCard Black.


MasterCard Standard benefits

  1. Apple Pay. You can use your MasterCard card with Apple Pay if your bank supports it.
  2. Travel Accident Insurance for a cardholder and close family members
  3. Zero Liability on fraud transactions
  4. Price Protection. You can get a difference in price, if an item purchased with a card is found being advertised for a lower price. Good for 60 days after a purchase was made.


Additional Gold level benefits

  1. Rental Insurance. This is an important and valuable benefit can only be found on the gold and higher tier of MC cards. Available for rentals up to 31 days, vehicles with MSRP less than $50,000. Some countries are not covered.
  2. Master Assist. Assists you in emergency on a travel. You pay for services if needed. Consultation and assistance is provided for free by MasterCard


Additional Platinum benefits

  1. Concierge Services – non emergency assistant services.
  2. Master Assist Plus with a coverage of $25,000 for medical, evacuation and similar emergency expenses.


Additional World level benefits

  1. Priceless cities. A list of exclusive opportunities and deals across World’s largest cities.
  2. Airport Lounge Access. 600 lounges in 100 countries. You pay for each visit by yourself.
  3. Price Protection for 120 days
  4. Trip Cancellation Insurance
  5. Baggage Delay Insurance, Lost or Damaged Luggage Insurance (up to $300 per bag)
  6. Hotel/Motel Burglary Insurance


Additional World Elite benefits

  1. 24/7 Personal Travel Advisor


Master Card Black benefits

  1. MasterAssist Black. All services, covered by a lower programs as well as coverage $25,000 for a cardmember and $15,000 for dependents.
  2. Baggage Loss Insurance up to $1,200, Trip Cancellation up to $1,000, and Trip Delay Insurance up to $200.
  3. Personal Assistant
  4. Priority Pass Airport Lounge Access

exclusive members-only deals
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