Best Mastercard® Credit Cards for 2024

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Top Mastercard Credit Card Offers

For over a half-century, Mastercard has provided flexible benefits and payment options for its global community of cardholders. Mastercard is accepted in over 210 countries, making it a truly borderless card.

With thousands of banking partners worldwide, it’s not a question of whether there is a Mastercard to suit your needs; it’s a matter of how to narrow down your options. See our top Mastercard credit card picks below.

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Best Mastercard® Credit Cards of April, 2024

First Digital Mastercard®

First Digital Mastercard®

Best for: Building or repairing your credit
Welcome bonus: none
Annual fee: $75 your first year then goes down to $48
Suggested credit score: Limited

Our take: The First Digital Mastercard helps cardmembers establish credit for the first time or repair credit after a financial setback. If your credit needs improvement, this is a solid choice for those looking for a starter credit card with the convenience and security of being part of the Mastercard network.

One thing to take note of before choosing the First Digital Mastercard is the $75 annual fee your first year that lowers to $48 starting in year two.
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Surge Secured Mastercard®

Surge Secured Mastercard®

Best for: Building credit, free credit monitoring
Welcome bonus: none
Annual fee: $69
Suggested credit score: Fair/Limited

Our take: The Surge Secured Mastercard allows you to improve your credit while earning unlimited 1% cashback on every purchase. This is a secured credit card, requiring a small $300 deposit to get started. Your credit will begin reporting to the three major credit bureaus within 30 days — and you can monitor your progress with your free Vantage score from Experian.
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Reflex Mastercard®

Reflex Mastercard®

Best for: Establishing credit
Welcome bonus: none
Annual fee: As low as $75
Suggested credit score: All credit levels are welcome to apply

Our take: If you’re looking for a beginner credit card with an above-average credit limit, the Reflex Mastercard is an option to consider. Their credit limits go up to $1,000 and may increase after 6 months of responsible use.
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Fortiva® Mastercard®

Fortiva® Mastercard®

Best for: Cashback
Welcome bonus: none
Annual fee: As little as $85
Suggested credit score: Fair/Limited

Our take: Another option for those looking to build credit and earn cashback is the Fortiva Mastercard. A key benefit you receive with this card is 3% cashback on spending in popular categories such as gas, groceries, and utility purchases and an unlimited 1% on everything else.
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What is Mastercard?

Mastercard has been a staple in the financial industry since the 1960s. A Mastercard is an electronic payment method — such as a credit or debit card — that uses the Mastercard network to process transactions. Mastercards are widely accepted worldwide, making them some of the most convenient and flexible cards you can have.

Is Mastercard accepted everywhere?

Just about every store/business accepts Mastercard as a form of payment — this is true in the U.S. and abroad — making Mastercards a convenient choice for customers across the globe. 

Is Mastercard a credit card?

Though Mastercard doesn’t issue its own credit cards, it offers one of the widest selections of credit, debit, and prepaid cards through its various partners. For example, you could have a card through Capital One, but it operates on the Mastercard payment network. There are over 244 million Mastercards in circulation in the U.S. and over 700 million worldwide.

Which is better, Visa or Mastercard?

Visa and Mastercard offer similar benefits to their cardmembers. However, Mastercard shines in the luxury card category and with its purchase protection features such as identity theft monitoring and cell phone protection (up to $1,000) every year. 

What is the difference between Visa and Mastercard?

Visa and Mastercard are both accepted almost everywhere, with few differences between them. Additionally, they are both publicly traded American companies. When choosing a Visa or Mastercard, it comes down to the card that aligns with your needs and offers the best features.

How to get a Mastercard card

You can compare and apply for Mastercards through our website or in-person at your bank or local credit union. The process of applying for a Mastercard credit card through our website typically only takes a few minutes, and in most cases, you find out if you’re approved instantly. Be sure to take some time to review the options above to identify the card that aligns with your credit goals.

Which banks provide Mastercards?

Thousands of banks around the world offer Mastercards. Here are some of the most well-known financial institutions with Mastercards on their credit card roster:

  • First PREMIER Bank
  • Capital One
  • CitiBank
  • The Bank of Missouri
  • Celtic Bank
  • Santander
  • Tesco Bank
  • Bank of America

Will I be approved for a Mastercard?

With one of the widest selections of credit cards in the world, it shouldn’t take you long to find a Mastercard with the benefits and suggested credit score range you need. Mastercards are available for customers of all credit levels — whether you are new to credit, looking to repair your score, or have a long history of responsible credit use. 

What are the benefits of Mastercard?

Benefits vary depending on your specific card — however, all Mastercards come with a few standard features. For example, all Mastercards offer free identity theft monitoring, zero liability protection, and its Mastercard Global Service hotline. This service provides 24-hour assistance if you need to report a lost or stolen card, request an urgent card replacement or emergency cash advance.

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EDITORIAL DISCLOSURE: The content and reviews on are prepared by our in-house staff. We strive to provide accurate and up-to-date information, but we cannot guarantee the reliability of all credit card details. To review the specific terms and conditions for a particular credit card, please click on the "Compare Credit Cards" links, which will redirect you to the card issuer's website. It is important to carefully review all the information provided by the issuer before making any decisions.