Best Mastercard Deals (2018) — Compare Top Rewards & Offers

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Q&A

What are the best credit card deals for Mastercard?

Adam West

Adam West

DealCrunch Editor

Adam answered on 1.19.18:

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Credit cards can help us accomplish huge feats. Whether you’re building a financial history to buy a home, or covering unexpected costs during an emergency, there’s no denying that credit cards can be lifesavers.

And, depending on which credit card issuer you choose, a card can also bring amazing perks. More people than ever are seeking accounts with credit card titian Mastercard for exclusive discounts from a variety of merchants. Mastercard is also the fastest payment processing network globally, with perks that extend to travel, electronics, and even business solutions.

The card you choose should be based on your unique financial needs, so we organized our list by popular categories that card seekers fall into. You can use the navigation links below to find a Mastercard credit card that’s right for you.

Cash Back | Travel | Balance Transfer
Excellent Credit | Good Credit | Fair Credit | Bad Credit

Best “Cash Back” Mastercard Deals

If you’re opening a credit card simply to earn money, a cash back credit card is your best bet. These cards reward users the more they’re used by typically offering around 2% back on all purchases, which can later be redeemed for gift cards at top merchants, statement credits or cash.

1

The Citi® Double Cash Card

★★★★★ 4.9/5.0

Best Offer

1% Cash Back

The Citi® Double Cash Card
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The Citi® Double Cash Card takes the spotlight as the best credit card for cash back rewards. Its unique system delivers cash back rewards twice by giving 1% back on all purchases and an additional 1% the moment those purchases are paid back through the monthly minimum fee. The card also has a 0% intro APR on balance transfers for the first 18 months. However, just keep in mind that you can’t get cash back rewards on balance transfers.

Offer CategoryDealCrunch RatingOfficial Website
#1 in Best Mastercard Deals4.9 out of 5
www.Citi.com

Though spending money never hurts, it may not earn you the exact rewards you want. However, if you’re more of a traveler than a shopper, Mastercard has other credit cards that earn rewards such as air miles, hotel discounts, and more.

Best “Travel” Mastercard Deals

Are you always out of town for work or play? Mastercard has several credit cards that can help you earn travel rewards.
A stock image of a man standing with his travel documents and luggage
Cut down on travel expenses, including transportation and accommodation, on your next trip by using a special credit card.

2

Barclaycard Arrival® Plus World Elite Mastercard®

★★★★★ 4.9/5.0

Best Offer

60,000 Bonus Miles

Barclaycard Arrival® Plus World Elite Mastercard®
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The Barclaycard Arrival® Plus World Elite Mastercard® is the obvious choice for a travel rewards card because of its generous offers for airlines, hotels, and other travel expenses. New cardholders can earn 60,000 bonus miles in the first 90 days, and all cardholders receive 2 miles for every dollar spent. Rewards can be redeemed as cash back statement credits, gift cards, or merchandise. And, as an added perk, an additional 5% miles are earned every time you redeem rewards.

Offer CategoryDealCrunch RatingOfficial Website
#2 in Best Mastercard Deals4.9 out of 5
www.BarclayCardUS.com

Not everyone can afford the large expenses of travel, even with rewards. If managing large credit card debt is your top concern, consider applying for a balance transfer card.

Best “Balance Transfer” Mastercard Deals

Credit cards are helpful, but if you’re unable to pay them off quickly, high interest rates may prevent you from making financial progress. If that sounds like you, a balance transfer credit card with a high limit and low interest rate is an easy fix.
A stock image of a women transferring her money with online banking
We found two Mastercard credit cards that have either a low or zero balance transfer fee so you won’t have to worry about hidden costs.

3

Citi® Diamond Preferred® Card

★★★★★ 4.9/5.0

Best Offer

0% APR/21 mo.

Citi® Diamond Preferred® Card
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Land 0% intro APR on your credit balance transfers and purchases for the first 21 months of opening a Citi® Diamond Preferred® Card. After that period, the APR ranges from 14.24% to 24.24%, depending on your creditworthiness, and the balance transfer fee will either be $5 or 3% of the amount of each transfer. Cardholders also have no annual fee, making this a great card if you want to consolidate debt to cut back on overwhelming interest rates.

Offer CategoryDealCrunch RatingOfficial Website
#3 in Best Mastercard Deals4.9 out of 5
www.Citi.com
4

Citi Simplicity® Card

★★★★★ 4.8/5.0

Best Offer

0% APR/21 mo.

Citi Simplicity® Card
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As with the above Citi® Diamond Preferred® Card, the Citi Simplicity® Card offers 0% intro APR on balance transfers and purchases during the first 21 months of opening an account. However, the variable APR rate after that period is a little higher at around 15.24% to 25.24% based on creditworthiness. But what separates this card from all the other credit cards is the lack of late fees, penalty rates, or annual fees, making it an incredible value for cardholders.

Offer CategoryDealCrunch RatingOfficial Website
#4 in Best Mastercard Deals4.8 out of 5
www.Citi.com

Some people don’t need to consolidate credit, but simply have an excellent credit score to maintain. If that’s the case for you, apply for a credit card that will boost your amazing credit rating even higher.

Best “Excellent Credit” Mastercard Deals

Anyone with excellent credit has the cream of the crop when it comes to Mastercard options that charge low or no interest rates,offer rich rewards, and come with zero annual fees. But we found that one card stands above the rest in value and benefits for individuals who have a near-perfect credit history of 750 and above.

5

HSBC Gold Mastercard®

★★★★★ 4.9/5.0

Best Offer

0% APR/18 mo.

HSBC Gold Mastercard®
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For those with a golden credit rating, the HSBC Gold Mastercard® credit card is the ideal choice. Highlights of the card include 0% intro APR during the first 18 months of opening an account, and a modest variable APR of 11.99% to 19.99% afterward. The card also charges no annual fee, foreign transaction fees, or a late fee waiver. And if you want benefits, cardholders have access to warranty, insurance and services for various shopping and travel purchases.

Offer CategoryDealCrunch RatingOfficial Website
#5 in Best Mastercard Deals4.9 out of 5
www.HSBC.com

Since you may not have an excellent credit score, rest assured that there are still Mastercard credit cards for people who are close to reaching an excellent score. Look into cards for people with good credit ratings that provide generous cardholder perks to help elevate your overall credit score.

Best “Good Credit” Mastercard Deals

Earning a good credit score means you have access to countless Mastercard credit cards that earn a variety of money-saving benefits and low fees that can help you to reach your greatest financial goals.
A stock image of a person using their credit card for online shopping
In our search, we found one card in particular that anyone with good credit will find hard to resist.

6

HSBC Cash Rewards Mastercard®

★★★★★ 4.7/5.0

Best Offer

0% APR/15 mo.

HSBC Cash Rewards Mastercard®
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Enjoy the perks of extra green with an HSBC Cash Rewards Mastercard® credit card. The card offers extensive rewards, such as a $150 cash back after spending $500 or more in the first three months of opening an account. Other benefits include 1.5% unlimited cash back on all card purchases and a 10% anniversary bonus on all cash rewards earned in a year. Similar to the HSBC Gold Mastercard® credit card, cardholders also have the added value of access to services that protect their merchandise and travel purchases.

Offer CategoryDealCrunch RatingOfficial Website
#6 in Best Mastercard Deals4.7 out of 5
www.HSBC.vom

Not everyone can qualify for such a credit card if their rating could use some improvement. That’s why you need to apply for a card that’s best suited for your up-and-coming credit score.

Best “Fair Credit” Mastercard Deals

Generally considered a credit score ranging from 650 to 699 in most FICO score models, fair credit is often a transitional score for those building their rating. Fortunately, there are cards that can take you to the next level with reasonable interest rates and fees.

7

Capital One® Platinum

★★★★★ 4.7/5.0

Best Offer

No Annual Fee

Capital One® Platinum
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Build your credit score with the Capital One® Platinum Credit Card to reach new financial heights. The card is accessible to those in the lower credit score range and boosts the credit of individuals who maintain responsible payment activity. Cardholders pay no annual fee and have access to a higher credit line after making on-time payments for five consecutive months. However, be aware that the card has a variable 24.99% APR that can become quite costly if you carry a high card balance.

Offer CategoryDealCrunch RatingOfficial Website
#7 in Best Mastercard Deals4.7 out of 5
www.CapitalOne.com

If you still haven’t achieved fair credit status or if you’re rebuilding your credit, there a still some credit cards that can help and even provide perks along the way.

Best “Bad Credit” Mastercard Deals

Contrary to what you might assume, it’s possible to get a credit card that delivers benefits even if you have a bad score. Opening the right credit card can help you reach financial goals and build your rating.
A screenshot of a couple looking stressed as they review their finances
Just keep in mind that APRs for these cards will be steeper than most credit cards, and will often require a security deposit.

8

Capital One® Secured Mastercard®

★★★★★ 4.7/5.0

Best Offer

No Annual Fee

Capital One® Secured Mastercard®
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Start on the path of bad credit forgiveness with the Capital One® Secured Mastercard®. The card tops our category for the best Mastercard for bad credit since it has no annual fee and plenty of features that build credit if used responsibly. The card regularly reports to three major credit bureaus, in addition to an optional credit line upgrade after five consecutive monthly payments. However, a security deposit must be made to receive an initial $200 credit line.

Offer CategoryDealCrunch RatingOfficial Website
#8 in Best Mastercard Deals4.7 out of 5
www.CapitalOne.com

9

First Progress Platinum Elite Mastercard® Secured

★★★★★ 4.6/5.0

Best Offer

$29 Annual Fee

First Progress Platinum Elite Mastercard® Secured
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If you have no credit history or a low credit score, the First Progress Platinum Elite Mastercard® Secured Credit Card is for you. The card has one of the lowest annual fees for a secured card, and it helps users build credit when used responsibly since it reports to the three major credit bureaus monthly. The card can also be used anywhere credit cards are accepted after an initial deposit of $200, which is fully refundable.

Offer CategoryDealCrunch RatingOfficial Website
#9 in Best Mastercard Deals4.6 out of 5
www.FirstProgress.com
10

First PREMIER® Bank Mastercard®

★★★★★ 4.5/5.0

Best Offer

$75 Annual Fee

First PREMIER® Bank Mastercard®
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If you need to build credit fast but aren’t able to qualify for most cards, you’ll probably have luck with the First PREMIER® Bank Mastercard® Credit Card. The only requirement to qualify is a checking account. The card encourages responsible credit activity by including the cardholder’s quarterly FICO score on each monthly statement and reports to various credit bureaus. But while credit limits start at $300, you should avoid carrying a high balance because of the card’s high APR of 36%.

Offer CategoryDealCrunch RatingOfficial Website
#10 in Best Mastercard Deals4.5 out of 5
www.FirstPremier.com

Just be mindful that the offers for the above cards for bad credit, and all cards in this list, are subject to change. Remember to thoroughly review the terms and conditions before you submit an application to ensure you’re getting a card that works for you.

Mastercard Offers Competitive Rewards & Bonuses

Credit opens a world of possibilities and savings if you find can the right card. Whether you’re making a big purchase, or simply trying to improve your credit rating, credit cards are an essential piece to playing the financial puzzle of life.

A stock image of a pocket full of Mastercard credit cards

Mastercard is associated with some of the best reward offer credit cards out there for exclusive promotions and discounts on leading brands worldwide – regardless of your credit score or income. Issuers are now providing Mastercard credit card deals that nearly everyone can qualify for. And the best part is that you can get awesome perks just for being part of a major credit card network.

Simply apply today for a card in this list to unlock rewards that will bring savings to last you a lifetime.