Best Mastercard Credit Cards of 2019

The best Mastercard credit cards offer generous rewards, tempting sign-up offers for 2019, as well as long introductory periods during which you’ll pay no interest. But, there are a number of different types of Mastercard credit cards available, and it can be a challenge to know which one is best for your needs. Our experts at Bankrate.com picked their favorite cards from a number of categories. Here are the best Mastercard credit cards on our list.

Bankrate.com is an independent, advertising-supported comparison service. The offers that appear on this site are from companies from which Bankrate.com receives compensation. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within listing categories. Other factors, such as our own proprietary website rules and the likelihood of applicants' credit approval also impact how and where products appear on this site. Bankrate.com does not include the entire universe of available financial or credit offers.

Editorial disclosure: All reviews are prepared by Bankrate.com staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the bank’s website for the most current information.

Mastercard® Gold Card™ Image

Recommended Credit Score

Excellent (740 - 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply Now On Luxury Card's secure website

Mastercard® Gold Card™

Annual Fee:
$995
Purchase Intro APR:
N/A
Balance Transfer Intro APR:
0% intro APR for the first 15 billing cycles on BT within first 45 days; APR after will be 17.24%
Regular APR:
17.24% Variable

Card Details

  • 24K-Gold Plated – Patented Card Design
  • 2% Value for Airfare Redemptions
  • 2% Value for Cash Back Redemptions
  • 24/7 Luxury Card Concierge™
  • Exclusive Luxury Card Travel Benefits
  • $200 Annual Airline Credit Toward Qualifying Purchases
  • $100 Global Entry Application Fee Credit
  • Annual Fee: $995 ($295 for each Authorized User)
Terms and Restrictions Apply
Mastercard® Titanium Card™ Image

Recommended Credit Score

Excellent (740 - 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply Now On Luxury Card's secure website

Mastercard® Titanium Card™

Annual Fee:
$195
Purchase Intro APR:
N/A
Balance Transfer Intro APR:
0% intro APR for the first 15 billing cycles on BT within first 45 days; APR after will be 17.24%
Regular APR:
17.24% Variable

Card Details

  • Brushed Stainless Steel - Patented Card Design
  • Luxury Card Rewards Program
  • 2% Value for Airfare Redemptions
  • 1% Value for Cash Back Redemptions
  • 24/7 Luxury Card Concierge™
  • Exclusive Luxury Card Travel Benefits
  • Members-Only LUXURY MAGAZINE
  • Annual Fee: $195 ($95 for each Authorized User)
Terms and Restrictions Apply
Mastercard® Black Card™ Image

Recommended Credit Score

Excellent (740 - 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply Now On Luxury Card's secure website

Mastercard® Black Card™

Annual Fee:
$495
Purchase Intro APR:
N/A
Balance Transfer Intro APR:
0% intro APR for the first 15 billing cycles on BT within first 45 days; APR after will be 17.24%
Regular APR:
17.24% Variable

Card Details

  • Stainless Steel - Patented Card Design
  • 2% Value for Airfare Redemptions
  • 1.5% Value for Cash Back Redemptions
  • 24/7 Luxury Card Concierge™
  • Exclusive Luxury Card Travel Benefits
  • $100 Annual Airline Credit Toward Qualifying Purchases
  • $100 Global Entry Application Fee Credit
  • Annual Fee: $495 ($195 for each Authorized User)
Terms and Restrictions Apply
Deserve® Pro Mastercard Image

Recommended Credit Score

Good to Excellent (670 - 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply Now On Deserve's secure website

Deserve® Pro Mastercard

Rewards Rate:
3% on travel/entertainment 2% on restaurants 1% on all other purchases
Annual Fee:
$0
Purchase Intro APR:
N/A
Regular APR:
17.49% - 24.49% Variable

Card Details

  • More cash back on the things you enjoy the most: 3% on travel/entertainment, 2% on restaurants & 1% on all other purchases
  • No annual fee
  • Credit limit up to $10,000
  • No foreign transaction fees
  • Use anywhere in the world where Mastercard is accepted
  • Includes Mastercard Platinum Benefits like Price Protection, Travel Assistance, ID Theft Protection, Car Collision Damage Waiver & Extended Warranty
  • Refer a Friend and get a $30 statement credit. Refer 10 friends and get a $200 bonus for a total of $500 in statement credits
Terms and Restrictions Apply
Journey® Student Rewards from Capital One® Image

Recommended Credit Score

Fair to Good (580 - 740)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply Now On Capital One's secure website

Journey® Student Rewards from Capital One®

Rewards Rate:
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
Annual Fee:
$0
Purchase Intro APR:
N/A
Balance Transfer Intro APR:
N/A
Regular APR:
26.96% (Variable)

Card Details

  • 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
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Monitor your credit profile with the CreditWise® app, free for everyone
  • $0 fraud liability if your card is ever lost or stolen
  • Pick the monthly due date that works best for you
  • Get customized alerts and manage your account with the Capital One mobile app
Terms and Restrictions Apply
Milestone® Gold Mastercard® Image

Recommended Credit Score

Fair to Good (580 - 740)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply Now On Genesis FS Card Services's secure website

Milestone® Gold Mastercard®

Annual Fee:
$35-$99 (varies by credit level)
Purchase Intro APR:
N/A
Regular APR:
23.90% (Fixed)

Card Details

  • Quick pre-qualification available with no impact to your credit score
  • Easy pre-qualification process with fast response
  • Choose your custom card design - Free
  • Free online account access
  • Protection from fraud, if your card happens to be lost or stolen
  • Accepted at over 35 Million Locations Worldwide!
  • Previous bankruptcy OK
Terms and Restrictions Apply
Indigo® Platinum Mastercard® Image

Recommended Credit Score

Fair to Good (580 - 740)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply Now On Genesis FS Card Services's secure website

Indigo® Platinum Mastercard®

Annual Fee:
$0 - $99
Purchase Intro APR:
N/A
Regular APR:
23.90% Fixed

Card Details

  • Pre-qualification available with no impact to your credit score
  • Previous bankruptcy OK
  • Easy pre-qualification process with fast response
  • Free online account access (mobile friendly)
  • Protection from fraud, if your card happens to be lost or stolen
  • Accepted at over 35 Million Locations Worldwide!
Terms and Restrictions Apply
ABOC Platinum Rewards Mastercard® Image

Recommended Credit Score

Good to Excellent (670 - 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply Now On Amalgamated Bank of Chicago's secure website

ABOC Platinum Rewards Mastercard®

Rewards Rate:
Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive Earn Points on Every Purchase! It’s simple: $1 = 1 Point
Welcome Offer:
Earn $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening
Annual Fee:
$0
Purchase Intro APR:
0% for 12 months on purchases and balance transfers
Balance Transfer Intro APR:
0% for 12 months on purchases and balance transfers
Regular APR:
15.15% - 25.15% Variable APR on purchases and balance transfers

Card Details

  • 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
  • No upper limit on the points you can accumulate, and since points never expire, you can save up for a big award!
  • Earn Points on Every Purchase! It’s simple: $1 = 1 Point
  • No Annual Fee
  • Select Your Rewards Your Way
Terms and Restrictions Apply
Barclaycard Ring® Mastercard® Image

Recommended Credit Score

Good to Excellent (670 - 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply Now On Barclays's secure website

Barclaycard Ring® Mastercard®

Annual Fee:
$0
Purchase Intro APR:
N/A
Balance Transfer Intro APR:
See Terms
Regular APR:
14.24% Variable

Card Details

  • Enjoy a 0% intro APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable 14.24% APR will apply
  • Low 14.24% variable APR on purchases and cash advances
  • No annual fee
  • No foreign transaction fees
  • International Chip and PIN
Milestone® Mastercard® Image

Recommended Credit Score

Fair to Good (580 - 740)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply Now On Genesis FS Card Services's secure website

Milestone® Mastercard®

Annual Fee:
$35-$99 (varies by credit level)
Purchase Intro APR:
N/A
Regular APR:
23.90% (Fixed)

Card Details

  • Card designs to fit your personality at no extra charge
  • Less than perfect credit is okay
  • Mobile account access at any time
  • Our application is quick and easy with instant pre-qualification available
  • Protection from fraud, if your card happens to be lost or stolen
  • Unsecured credit card, no deposit required
  • Pre-qualifying today will not affect your credit score
Terms and Restrictions Apply

Editorial disclosure: All reviews are prepared by Bankrate.com staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the bank’s website for the most current information.


Author: Bankrate Staff | Last Updated: March 15, 2019


* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.