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 n/aregular APR23.9%
bad credit required

Pre-qualify for a card today and it will not impact your credit score

All credit histories considered

Mobile account access at any time

Fraud protection for stolen or lost cards

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

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intro purchase APR no intro offerregular APR23.9%
good credit / fair credit required

$35-$99* annual fee

real credit card for a less than perfect credit

*Dependent on credit worthiness

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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 no intro offerregular APR25.24% Variable
intro BT APR no intro offer BT fee 3% min $5
rewards 1-2 points/$1 
  • 2x points on groceries, gas, utilities (excluding Target and Walmart®)
  • 1 point on all other purchases
  • redeem points towards your statement balance to offset purchases
fair credit required

2X points on gas, utilities and grocery store (excluding Target® and Walmart®) purchases. 1x points on all other purchases

No annual fee

Points don't expire as long as account is open, active and in good standing

Redeem points for deposits to a U.S. checking or savings account, statement credits or gift cards, starting at 1,000 points for $10

No limit on the number of points you can earn or redeem

Free online access to FICO® Credit Score lets you keep an eye on your credit and get alerts when we learn that your score has changed

Use your card with confidence, $0 Fraud Liability protection means you're not responsible for unauthorized charges you report to us

Chip card technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad

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intro purchase APR n/aregular APR23.9%
bad credit required

$35-$99* annual fee

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

read review

Benefits

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


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