Best MasterCard Credit Card Offers: Cash Back, Travel Rewards, 0% APR

Mastercard is one of the most recognized credit card logos and is accepted in over 210 countries and territories worldwide. Many Mastercard credit cards offer new card members great promotions and perks such as cash back, bonus rewards, and 0% introductory interest on purchases or balance transfers.


Credit Cards	Purchase APR	Transfer Info	Annual Fee	Credit Level
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Citi Strata Premier^® Card Hide Benefits Show Benefits	19.74% - 27.74% (Variable) APR rates & fees	19.74% - 27.74% (Variable) APR	$95	Excellent, GoodApply Now View Card Details
Earn 60,000 bonus ThankYou^® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com. Earn 10 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com. Earn 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations. Earn 1 Point per $1 spent on all other purchases $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking. No expiration and no limit to the amount of points you can earn with this card No Foreign Transaction Fees on purchases
Citi Double Cash^® Card Hide Benefits Show Benefits	17.74% - 27.74% (Variable) APR rates & fees	0% intro APR for 18 months 17.74% - 27.74% (Variable) APR after that	$0	Excellent, GoodApply Now View Card Details
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou^® Points, which can be redeemed for $200 cash back. 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. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel. Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 17.74% - 27.74%, based on your creditworthiness. Balance Transfers do not earn cash back. Intro APR does not apply to purchases. If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Choice Rewards World Mastercard^® Hide Benefits Show Benefits	13.50% - 18.00% Variable APR	13.50% - 18.00% Variable APR $0 at the Transfer APR	$0	Excellent, GoodApply Now View Card Details
Earn 20,000 bonus Rewards Points when you spend $3,000 in the first 60 days Earn 2 Rewards Points for every $1 spent on groceries, gas, electronics, medical, household goods and telecommunications and 1 Reward Point for every $1 spent on all other purchases Redeem Reward Points for travel, merchandise, events, experiences, gift cards and cash No points maximum and your points never expire Appreciate a high value card with low rates and no annual fee
Mastercard^® Gold Card™ Hide Benefits Show Benefits	19.74% to 27.74% Variable, based on your creditworthiness and other factors APR	0% intro APR for 15 billing cycles 19.74% to 27.74% Variable, based on your creditworthiness and other factors APR after that	$1,199 ($349 for each Authorized User added to the account)	ExcellentApply Now View Card Details
Redeem at 2% value for airfare and 2% for cash back. Just 50,000 points will get you a $1,000 ticket on any airline or $1,000 cash back, issued as a direct deposit statement credit. Earn 2X points on Airfare and Hotel reservations booked through LuxuryCardTravel.com. One point for every one dollar you spend for all other categories, earning points every time you spend. $300 Annual Airline Credit: Receive up to $300 in annual air travel credits toward flight-related purchases, including airline tickets, baggage fees, upgrades and more. $200 Annual Dining Credit: Get up to $200 in annual statement credits when you use your Luxury Card at qualifying restaurants. $200 Ship&Play Credit: Send your belongings ahead of time with Ship&Play and receive up to $200 in credits annually. Receive up to $120 reimbursment credit for a Global Entry or TSA PreCheck^® application for each Mastercard Gold Card Primary Cardmember and Authorized Users. 24/7 Luxury Card Concierge^®: Exclusive to Cardmembers. Your busy life never stops, and neither do our Luxury Card Concierge agents. Enjoy around-the-clock lifestyle management and planning support tailored to your specific needs-and designed to save you time. Our personalized one-on-one service delivers solutions, suggestions and even surprises to make every day exceptional. Book the trip. Get the reservations. Score the tickets. With your Luxury Card, enjoy complimentary access to over 1,700 airport lounges and travel experiences in more than 600 cities across 145 countries with Priority Pass™ Select. Access includes unlimited visits for yourself as well as your guests. Made with 24K Gold^®: Beautifully crafted and exceptionally premium, Luxury Card is a statement piece designed to stand out in the most refined way. Weighing in at an impressive 22 grams, its contactless patented card design and metal construction raises the standard. Carry a card with distinction. Exclusive Luxury Card Travel^® benefits-average value of $500 per stay (e.g., resort credits, room upgrades, free wifi, breakfast for two and more) at over 3,000 properties. Receive protection benefits like trip cancellation and interruption, auto rental car collision waiver, travel accident and baggage delay. Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard^® benefits. Annual Fee: $1,199 ($349 for each Authorized User). Terms and conditions apply.
Mastercard^® Black Card^® Hide Benefits Show Benefits	19.74% to 27.74% Variable, based on your creditworthiness and other factors APR	0% intro APR for 15 billing cycles 19.74% to 27.74% Variable, based on your creditworthiness and other factors APR after that	$699 ($249 for each Authorized User added to the account)	ExcellentApply Now View Card Details
Redeem at 2% value for airfare and 1.5% for cash back. Just 50,000 points will get you a $1,000 ticket on any airline or $750 cash back, issued as a direct deposit statement credit. Earn 2X points on Airfare and Hotel reservations booked through LuxuryCardTravel.com. One point for every one dollar you spend for all other categories, earning points every time you spend. $200 Annual Airline Credit: Receive up to $200 in annual air travel credits toward flight-related purchases, including airline tickets, baggage fees, upgrades and more. $100 Annual Dining Credit: Get up to $100 in annual statement credits when you use your Luxury Card at qualifying restaurants. Receive up to $120 reimbursment credit for a Global Entry or TSA PreCheck^® application fee. Global Entry includes access to TSA PreCheck^® with no additional application or fee required. 24/7 Luxury Card Concierge^®: Exclusive to Cardmembers. Your busy life never stops, and neither do our Luxury Card Concierge agents. Enjoy around-the-clock lifestyle management and planning support tailored to your specific needs-and designed to save you time. Our personalized one-on-one service delivers solutions, suggestions and even surprises to make every day exceptional. Book the trip. Get the reservations. Score the tickets. With your Luxury Card, enjoy complimentary access to over 1,700 airport lounges and travel experiences in more than 600 cities across 145 countries with Priority Pass™ Select. Access includes unlimited visits for yourself as well as your guests. Black-PVD-Coated Metal Card and Made of Stainless Steel^®: Beautifully crafted and exceptionally premium, Luxury Card is a statement piece designed to stand out in the most refined way. Weighing in at an impressive 22 grams, its stainless steel, contactless patented card design and metal construction raises the standard. Carry a card with distinction. Exclusive Luxury Card Travel^® benefits-average value of $500 per stay (e.g., resort credits, room upgrades, free wifi, breakfast for two and more) at over 3,000 properties. Receive protection benefits like trip cancellation and interruption, auto rental car collision waiver, travel accident and baggage delay. Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard^® benefits. Annual Fee: $699 ($249 for each Authorized User). Terms and conditions apply.
Mastercard^® Titanium Card^® Hide Benefits Show Benefits	19.74% to 27.74% Variable, based on your creditworthiness and other factors APR	0% intro APR for 15 billing cycles 19.74% to 27.74% Variable, based on your creditworthiness and other factors APR after that	$299 ($149 for each Authorized User added to the account)	ExcellentApply Now View Card Details
Redeem at 2% value for airfare and 1% for cash back. Just 50,000 points will get you a $1,000 ticket on any airline or $500 cash back, issued as a direct deposit statement credit. Earn 2X points on Airfare and Hotel reservations booked through LuxuryCardTravel.com. One point for every one dollar you spend for all other categories, earning points every time you spend. 24/7 Luxury Card Concierge^®: Exclusive to Cardmembers. Your busy life never stops, and neither do our Luxury Card Concierge agents. Enjoy around-the-clock lifestyle management and planning support tailored to your specific needs-and designed to save you time. Our personalized one-on-one service delivers solutions, suggestions and even surprises to make every day exceptional. Book the trip. Get the reservations. Score the tickets. With your Luxury Card, enjoy complimentary access to over 1,700 airport lounges and travel experiences in more than 600 cities across 145 countries with Priority Pass™ Select. Access includes unlimited visits for yourself as well as your guests. Brushed Metal Card: Beautifully crafted and exceptionally premium, Luxury Card is a statement piece designed to stand out in the most refined way. Weighing in at an impressive 22 grams, its contactless patented card design and metal construction raises the standard. Carry a card with distinction. Exclusive Luxury Card Travel^® benefits-average value of $500 per stay (e.g., resort credits, room upgrades, free wifi, breakfast for two and more) at over 3,000 properties. Receive protection benefits like trip cancellation and interruption, auto rental car collision waiver, travel accident and baggage delay. Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard^® benefits. Annual fee: $299 ($149 for each Authorized User). Terms and conditions apply.
Citi^® Diamond Preferred^® Card Hide Benefits Show Benefits	0% intro APR for 12 months 16.74% - 27.49% (Variable) APR after that rates & fees	0% intro APR for 21 months 16.74% - 27.49% (Variable) APR after that	$0	Excellent, GoodApply Now View Card Details
0% Intro APR on balance transfers for 21 months and on purchases for 12 months from date of account opening. After that the variable APR will be 16.74% - 27.49%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening. There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater Get free access to your FICO^® Score online. With Citi Entertainment^®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more. No Annual Fee - our low intro rates and all the benefits don't come with a yearly charge.
Citi Strata^℠ Card Hide Benefits Show Benefits	0% intro APR for 15 months 18.74% - 28.74% (Variable) APR after that rates & fees	0% intro APR for 15 months 18.74% - 28.74% (Variable) APR after that	$0	Excellent, GoodApply Now View Card Details
For a limited time, earn 30,000 bonus Points after spending $1,000 in the first 3 months of account opening. 0% Intro APR on balance transfers and purchases for 15 months; after that, the variable APR will be 18.74% - 28.74%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5). Earn 3 ThankYou^® Points for each $1 spent in an eligible Self-Select Category of your choice (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores). Choose your eligible Self-Select Category on Citi Online or by calling customer service. The default Self-Select Category is Select Streaming Services. Earn 5 ThankYou^® Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel^® via cititravel.com; earn 3 ThankYou Points for each $1 spent at Supermarkets, on Select Transit purchases, and at Gas & EV Charging Stations. Earn 2 ThankYou^® Points for each $1 spent at Restaurants; earn 1 ThankYou^® Point for each $1 spent on All Other Purchases. No Annual Fee
IHG One Rewards Traveler Credit Card Hide Benefits Show Benefits	19.49% - 27.99% Variable rates & fees	19.49% - 27.99% Variable	$0	Good / ExcellentApply Now View Card Details
Earn 80,000 Bonus Points No Annual Fee Earn up to 17 total points per $1 spent when you stay at IHG Hotels & Resorts Earn 3 points per $1 spent on purchases on monthly bills, at gas stations, and restaurants. Earn 2 points per $1 spent on all other purchases No Foreign Transaction Fees Redeem 3 Nights, Get the 4th Night Free IHG One Rewards Bonus points are redeemable at Hotels & Resorts such as InterContinental^®, Crowne Plaza^®, Kimpton^®, EVEN^® Hotels, Indigo^® Hotels & Holiday Inn^® Member FDIC
IHG One Rewards Premier Credit Card Hide Benefits Show Benefits	19.49% - 27.99% Variable rates & fees	19.49% - 27.99% Variable	$99	Good To ExcellentApply Now View Card Details
Earn 140,000 Bonus Points Enjoy an Anniversary Free Night at IHG Hotels & Resorts. Plus, enjoy a fourth reward night free when you redeem points for a consecutive four-night IHG^® hotel stay. Earn up to 26 total points per $1 spent when you stay at IHG Hotels & Resorts Earn 5 points per $1 spent on purchases on travel, at gas stations, and restaurants. Earn 3 points per $1 spent on all other purchases Automatic Platinum Elite status as long as you remain a Premier cardmember Global Entry, TSA PreCheck^® or NEXUS Statement Credit of up to $120 every 4 years as reimbursement for the application fee charged to your card IHG One Rewards Bonus points are redeemable at Hotels & Resorts such as InterContinental^®, Crowne Plaza^®, Kimpton^®, EVEN^® Hotels, Indigo^® Hotels & Holiday Inn^® Member FDIC
Reflex^® Platinum Mastercard^® Hide Benefits Show Benefits	35.90% Fixed APR	N/A	$75 - $125	Fair / Poor / Bad / LimitedApply Now View Card Details
Up to $1,000 Initial Credit Limit See if you Pre-Qualify with No Impact to your Credit Score Less than perfect credit? We understand. The Reflex Mastercard is ideal for people looking to rebuild their credit. Unsecured credit card requires No Security Deposit Perfect card for everyday purchases and unexpected expenses Monthly reporting to the three major credit bureaus Use your card everywhere Mastercard is accepted at millions of locations Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
IHG One Rewards Premier Business Credit Card Hide Benefits Show Benefits	19.49% - 27.99% Variable rates & fees	19.49% - 27.99% Variable	$99	Good, ExcellentApply Now View Card Details
Earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening. Enjoy an Anniversary Free Night at IHG Hotels & Resorts. Plus, enjoy a fourth reward night free when you redeem points for a consecutive four-night IHG^® hotel stay. Earn up to 26 total points per $1 spent when you stay at IHG Hotels and Resorts Earn 5 points per $1 spent on purchases on travel, at gas stations, select advertising, and restaurants. Earn 3 points per $1 spent on all other purchases Automatic Platinum Elite status as long as you remain a Premier Business cardmember Global Entry, TSA PreCheck^® or NEXUS Statement Credit of up to $120 every 4 years as reimbursement for the application fee charged to your card IHG One Rewards Bonus points are redeemable at hotels such as InterContinental^®, Crowne Plaza^®, Kimpton^®, EVEN^® Hotels, Indigo^® Hotels & Holiday Inn^® Member FDIC
Destiny Mastercard^® Hide Benefits Show Benefits	See terms	N/A	See terms	Poor To GoodApply Now View Card Details
A guaranteed $700 credit limit to help get your financial goals on track, if approved. Apply with Confidence! There is no impact to your credit score if you're not approved. See terms. No security deposit, and a path to better credit. Zero Fraud Liability - Peace of mind that comes with having a Mastercard. Get the credit you deserve, even with less-than-perfect history. An unsecured card great for everyday purchases
Milestone^® Mastercard^® Hide Benefits Show Benefits	See terms	N/A	See terms	Fair / GoodApply Now View Card Details
Guaranteed $700 credit limit if approved. Apply with Confidence! There is no impact to your credit score if you're not approved. See terms. Don't Have Perfect Credit? No Problem! Join over a million consumers who are working on building their access to credit. Zero Fraud Liability - Peace of mind that comes with having a Mastercard. Get the credit you deserve, even with less-than-perfect history. No security deposit, and a path to better credit. *Dependent on credit worthiness
Surge^® Platinum Mastercard^® Hide Benefits Show Benefits	35.90% Fixed	N/A	$75 - $125	See Website For Details*Apply Now View Card Details
Up to $1,000 Initial Credit Limit See if you Pre-Qualify with No Impact to your Credit Score Less than perfect credit? We understand. The Surge Mastercard is ideal for people looking to rebuild their credit. Unsecured credit card requires No Security Deposit Perfect card for everyday purchases and unexpected expenses Monthly reporting to the three major credit bureaus Use your card everywhere Mastercard is accepted at millions of locations Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
FIT™ Platinum Mastercard^® Hide Benefits Show Benefits	35.90% Fixed APR	N/A	See terms	Fair / Poor / BadApply Now View Card Details
$400 Initial Credit Limit Less than perfect credit? We understand. The FIT Mastercard is ideal for people looking to rebuild their credit. Unsecured credit card requires No Security Deposit Perfect card for everyday purchases and unexpected expenses Monthly reporting to the three major credit bureaus Use your card everywhere Mastercard is accepted at millions of locations Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
First Tech Odyssey Rewards™ World Elite Mastercard^® Hide Benefits Show Benefits	As low as 12.24% APR	As low as 12.24% APR $0 at the Transfer APR	$0 intro annual fee first year, then $75 thereafter	Excellent, GoodApply Now View Card Details
Get 30,000 bonus reward points when you spend at least $3,000 in your first 90 days¹. That's $300 in value! Earn 3x rewards points on travel and hotels. Earn 2x rewards points on dining, including takeout and delivery. Earn 1 reward points on every other dollar spent. $0 intro annual fee your first year, then $75 thereafter. Access exclusive travel benefits, including concierge, travel assistance services, roadside assistance, and more. Exclusive World Elite Mastercard offers: Enjoy exclusive discounts from Doordash, Hello Fresh, Lyft, Fandango, and more. Purchase Assurance, which covers purchases for 90 days against loss or theft. Identity theft protection Priceless Golf^® Concierge Service and access to more than 1,000 private country clubs across the country.
First Latitude Assent Secured Mastercard^® Hide Benefits Show Benefits	27.74% (V) APR	N/A	$0	Poor / Limited / NoApply Now View Card Details
Choose the First Latitude Assent Card and enjoy $0 Annual Fee! Secure your credit line with your refundable security deposit - choose from $200- $2,000. With the ability to increase up to $5,000 over time! Earn 1% Cash Back Rewards on payments made to your First Latitude Secured credit card account. Designed to push you forward on your credit building journey with $0 Annual Fee.¹ Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion.¹ All credit types welcome to apply! ¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score. *See Important Disclosures for complete offer details
First Progress Select Secured Mastercard^® Hide Benefits Show Benefits	17.74% (V) APR	N/A	$39	Poor / Limited / NoApply Now View Card Details
Get a First Progress Select Card and Earn 1% Cash Back Rewards! Secure your credit line with your refundable security deposit - choose from $200- $2,000 - with the ability to increase up to $5,000 over time! Choose the First Progress Select Card for a lower annual fee! All credit types welcome to apply! Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.¹ ¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
First Progress Prestige Secured Mastercard^® Hide Benefits Show Benefits	13.74% (V) APR	N/A	$49	Poor / Limited / NoApply Now View Card Details
Earn 1% Cash Back Rewards with First Progress Prestige! Apply now and fund your security deposit over 90 days with the option to make partial payments. You Can't Rebuild credit with a Debit Card. Try First Progress Today! ¹ Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.¹ All credit types welcome to apply! ¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
First Latitude Elite Secured Mastercard^® Hide Benefits Show Benefits	23.74% (V) APR	N/A	$29.00	Poor / Limited / NoApply Now View Card Details
Choose our First Latitude Elite Card for a lower annual APR! Apply now and fund your security deposit over 90 days with the option to make partial payments. Earn 1% Cash Back Rewards on payments made to your First Latitude Secured credit card account. Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion.¹ No minimum credit score required for approval! Secure your credit line with a refundable security deposit - as low as $200 to get started! ¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score. *See Important Disclosures for complete offer details
Platinum Secured Mastercard^® Hide Benefits Show Benefits	14.25 to 18.00% Variable APR	14.25 to 18.00% Variable APR	$0	Poor / Limited / NoApply Now View Card Details
Score great rewards and build credit with a refundable security deposit Earn 1 rewards point for every dollar spent on your everyday purchases. There's no maximum and your points never expire. Use your points for Travel, Merchandise, Gift cards and more No annual fee, balance transfer, cash advance or foreign transaction fee Rates from 14.25 to 18.00% APR, not to exceed 18.00%
Merrick Bank Secured Credit Card Hide Benefits Show Benefits	22.20% Variable APR	N/A	$36 for first year. Billed $3 per month thereafter	See Website For Details*Apply Now View Card Details
Choose your own credit line based on how much money you want to put down as a security deposit. Initial deposits can be from $200 to $3,000. You can increase your credit line at any time by adding additional money to your security deposit, up to $3,000. After 9 months, we review your account for a credit line increase. No additional deposit required! Secured Credit Cards are great for people looking to build or rebuild credit and are available to people with all kinds of credit backgrounds. Unlike a debit card or a pre-paid card, it helps build your credit history. We report your payment history to all three major credit-reporting agencies. Get your FICO^® Credit Score for free each month. Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with available Auto Pay and account alerts. Card issued by Merrick Bank, Member FDIC.
Citi Strata Elite^℠ Card Hide Benefits Show Benefits	20.74% - 28.74% (Variable) APR rates & fees	20.74% - 28.74% (Variable) APR	$595	Excellent, GoodApply Now View Card Details
For a limited time, earn 100,000 bonus Points after spending $6,000 in the first 3 months of account opening. Earn 12 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on cititravel.com and 6 Points per $1 spent on Air Travel booked on cititravel.com Earn 6 Points per $1 spent at Restaurants including Restaurant Delivery Services on CitiNights^℠ purchases, every Friday and Saturday from 6 PM to 6 AM ET. Earn 3 Points per $1 spent any other time Earn 1.5 Points per $1 spent on All Other Purchases Up to $300 Annual Hotel Benefit: Each calendar year, enjoy up to $300 off a hotel stay of two nights or more when booked through cititravel.com. No Foreign Transaction Fees

Citi Strata Premier® Card

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Rates & Fees

Earn 60,000 bonus ThankYou^® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
Earn 10 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.