Best Mastercard Credit Cards for 2020

Best for people building credit

Recommended Credit Score

Fair to Good (580 - 740)

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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

Capital One® Platinum Credit Card

Rewards Rate:

N/A

Welcome Offer:

N/A

Annual Fee:

$0

Purchase Intro APR:

N/A

Balance Transfer Intro APR:

N/A

Regular APR:

26.99% (Variable)

Card Details

• Pay no annual fee
• Get access to a higher credit line after making your first 5 monthly payments on time
• Fraud coverage if your card is lost or stolen
• Use online banking to access your account, even from your smartphone, with our mobile app
• Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
• Get access to your account 24 hours a day, 7 days a week
• Help strengthen your credit for the future with responsible card use

Best for getting more value from small purchases

Recommended Credit Score

Good to Excellent (670 - 850)

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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 Citi's secure website

Citi Rewards+℠ Card

Rewards Rate:

Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Earn 1X Points on All Other Purchases.

Welcome Offer:

Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com

Annual Fee:

$0

Purchase Intro APR:

0% intro for 15 months on Purchases

Balance Transfer Intro APR:

0% intro for 15 months on Balance Transfers

Regular APR:

13.49% - 23.49% (Variable)

Card Details

• The Citi Rewards+℠ Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
• Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
• 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 13.49% - 23.49%, based on your creditworthiness. Balance transfer fee — either $5 or 3% of the amount of each transfer, whichever is greater.
• Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on All Other Purchases.
• The standard variable APR for Citi Flex Plan is 13.49% - 23.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

Best flat-rate cash back card

Recommended Credit Score

Good to Excellent (670 - 850)

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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 Citi's secure website

Citi® Double Cash Card

Rewards Rate:

Earn cash back twice. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

Welcome Offer:

N/A

Annual Fee:

$0

Purchase Intro APR:

N/A

Balance Transfer Intro APR:

0% intro for 18 months on Balance Transfers

Regular APR:

13.99% - 23.99% (Variable)

Card Details

• Earn cash back twice. 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.
• Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% - 23.99%, based on your creditworthiness.
• Balance Transfers do not earn cash back.
• 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 a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
• The standard variable APR for Citi Flex Plan is 13.99% - 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

Best 0% intro APR period for purchases

Recommended Credit Score

Good to Excellent (670 - 850)

i

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 Citi's secure website

Citi Simplicity® Card

Rewards Rate:

N/A

Welcome Offer:

N/A

Annual Fee:

$0

Purchase Intro APR:

0% for 12 months on Purchases

Balance Transfer Intro APR:

0% for 21 months on Balance Transfers

Regular APR:

14.74% - 24.74% (Variable)

Card Details

• No Late Fees, No Penalty Rate, and No Annual Fee... Ever
• 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 14.74% - 24.74%, based on your creditworthiness.
• 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 14.74% - 24.74%, based on your creditworthiness.
• If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balances, are paid in full
• There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater.
• The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
• Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges

Best for average credit

Recommended Credit Score

Fair to Good (580 - 740)

i

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

Capital One® QuicksilverOne® Cash Rewards Credit Card

Rewards Rate:

Earn unlimited 1.5% cash back on every purchase, every day

Welcome Offer:

N/A

Annual Fee:

$39

Purchase Intro APR:

N/A

Balance Transfer Intro APR:

N/A

Regular APR:

26.99% (Variable)

Card Details

• Earn unlimited 1.5% cash back on every purchase, every day
• Earn cash rewards without signing up for rotating categories
• 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
• No limit to how much cash back you can earn, and cash back doesn't expire for the life of the account
• Help strengthen your credit for the future with responsible card use
• Get customized alerts and manage your account with the Capital One mobile app

Recommended Credit Score

Good to Excellent (670 - 850)

i

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

Capital One® Quicksilver® Cash Rewards Credit Card

Rewards Rate:

Earn unlimited 1.5% cash back on every purchase, every day

Welcome Offer:

$150 after you spend $500 on purchases within 3 months from account opening

Annual Fee:

$0

Purchase Intro APR:

0% intro on purchases for 15 months

Balance Transfer Intro APR:

0% intro on balance transfers for 15 months

Regular APR:

15.49% - 25.49% (Variable)

Card Details

• One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
• Earn unlimited 1.5% cash back on every purchase, every day
• No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
• 0% intro APR on purchases for 15 months; 15.49%-25.49% variable APR after that
• 0% intro APR on balance transfers for 15 months; 15.49%-25.49% variable APR after that; 3% fee on the amounts transferred within the first 15 months
• Pay no annual fee or foreign transaction fees