Best MasterCard® Credit Cards

MasterCard® is one of the most famous payment processors in the world. They have teamed up with many global banks and financial organizations to provide a range of credit cards for the users globally. In this article on Best MasterCard® Credit Cards, we will take a look at some of the most famous credit cards and their advantages that use MasterCard as the payment processor. Let us begin.

Best MasterCard® Credit Cards

1. Mastercard® Titanium Card™

Best MasterCard® Credit Cards

When it comes to best MasterCard® credit cards, no list can ever be complete without Mastercard® Titanium CardTM.  It is a luxury card, and those who want to get this card need to have a stellar credit history. The card is for rich people and frequent fliers. The card comes with a host of features and excellent benefits that every credit card holder dreams of. The features and advantages of the card include the following:

Regular APR (variable) 16.99%
Annual fee $195 | $95 for every additional user
Introductory APR for purchases None
Introductory APR for balance transfer 0% for 15 billing cycles starting from the day of account opening. The balance transfer should take place within 45 days from the date of account opening for the intro APR to apply.
Foreign transaction fee None (if transactions are done in US dollars).
Required credit Excellent.
Late fee $37 (max).
Grace period 23 days after each billing cycle closes.
Balance transfer fee Greater of 3% of transfer amount or $5.
Cash advance fee Greater of 5% of cash advance or $10.

The most striking benefits of the Mastercard® Titanium Card are:

  • The card is made of stainless steel.
  • For each $1 you spend on net purchases using the card, you will get 1 point. There is no upper cap to the points you earn by using the card.
  • If you are redeeming your points for airfare, you can redeem them at 2% rate. So, if you have 50,000 points, it is equivalent to $1,000 in airfare redemptions.
  • If you are redeeming your points for car rentals or hotel stays, you can redeem them at 1% rate.
  • You will also get:
    • Baggage delay insurance (in case your baggage is delayed in transit with a local carrier for the tickets you purchase with the card, you will get paid for replacing your business and personal items).
    • $0 fraud liability protection (you will not be responsible if someone else uses your card without your authorization).
    • Purchase assurance and price protection (if you buy something with the card and you find a lower price within 4 months of the purchase, you will get a reimbursement for the price difference).
    • Master ID Theft ProtectionTM.

There are tons of other benefits of using Mastercard® Titanium CardTM. It is not possible, to sum up, all of them in this small article.

2. Capital One® SavorOne℠ Cash Rewards Credit Card

Best MasterCard® Credit Cards

The Capital One® SavorOne℠ Cash Rewards Credit Card is one of the most popular rewards credit card. This MasterCard® credit card offers a wide range of benefits. You can find a brief list of all the features and advantages of the card below:

Regular APR (variable) 14.74% to 24.74%
Annual fee $0
Introductory APR for purchases 0% for 15 billing cycles.
Introductory APR for balance transfer 0% for 15 billing cycles.
Foreign transaction fee None (if transactions are done in US dollars).
Required credit Excellent or good.
Late fee $38 (max).
Grace period 25 days after each billing cycle closes.
Balance transfer fee 3% of the transfer amount.
Cash advance fee Greater of 3% of cash advance or $10.

The significant benefits of the credit card include the following:

  • If you spend $500 within the first 90 days from the date of account opening, you will receive $150 cash bonus. It is a one-time bonus.
  • You will get 3% cash back on entertainment and dining.
  • You will get 2% cash back on grocery stores. It is not applicable to superstores like Target and Walmart.
  • You will get 1% cash back on every other purchase.
  • The cash backs you earn will never expire. They will expire only when your credit card account closes.

The Capital One® SavorOne℠ Cash Rewards Credit Card is a go-to card for your regular usage.

3. HSBC Gold Mastercard® Credit Card

Best MasterCard® Credit Cards

When it comes to best MasterCard® credit cards, how can one ignore the name of HSBC? Though it is a gold credit card, average users can get hold of it. The features and benefits of the card include the following:

Regular APR (variable) Depending on your creditworthiness, the APR can be 12.99%, 16.99%, or 20.99%
Annual fee $0
Introductory APR for purchases 0% for 18 billing cycles.
Introductory APR for balance transfer 0% for 18 billing cycles. Balance transfer should take place within first 60 days from the date of account opening.
Foreign transaction fee None (if transactions are done in US dollars).
Required credit Excellent or good.
Late fee $37 (max).
Grace period 25 days after each billing cycle closes.
Balance transfer fee 4% of transfer amount or $10 – whichever is greater.
Cash advance fee Greater of 4% of cash advance or $10.

The major benefits of the HSBC Gold Mastercard® Credit Card are:

  • $0 fraud protection. It means that if someone transacts with your card without your authorization, you will not be liable for the same.
  • This card is a perfect option if you intend to spend outside the USA.
  • The company will waive off one late payment fee every year.
  • You will get your credit score on your card statement every month.
  • There is no extra charge if you want to get additional cards for users you authorize.
  • The card offers price and purchase protection along with other features like extended warranties, roadside assistance, etc.

On the downside, the card does not have any rewards like cash back or redeemable points. To make up for this, the card has one of the lowest APRs in the market and of course, one of the longest introductory APR offers.

Conclusion

The list you find in this article is by no means complete. Many other MasterCard® credit cards can get on this list. For instance, there is Bank of America® Cash Rewards credit card, HSBC Cash Rewards Mastercard® credit card, Citi Premier℠ Card, Citi Simplicity® Card – No Late Fees Ever, ABOC Platinum Rewards Credit Card, and more. Feel free to go through the features and benefits of these cards whenever you want.

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