Best Mastercard Credit Cards of 2026
Mastercard is accepted at millions of locations worldwide and powers some of the most rewarding credit cards from top issuers. Compare Mastercard credit cards across categories to find the best rewards, benefits, and terms for your needs.
Top Picks
Mastercard® Titanium Card®
Barclays Bank
Annual Fee
$299 ($149 for each Authorized User added to the account)
Credit Needed
Excellent
Rewards Rate
2 points for every $1 spent on Airfare and Hotel reservations booked through LuxuryCardTravel.com.
Purchase APR
N/A
Balance Transfer
0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening. After that, (and for balance transfers that do not post within 45 days of account opening) the APR will be 19.49% to 27.49%, based on your creditworthiness and other factors. This APR will vary with the market based on the Prime Rate.
Regular APR
19.49% to 27.49% Variable, based on your creditworthiness and other factors
- 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.
Show 4 more Show less
- 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.
Capital One Quicksilver Secured Cash Rewards Credit Card
Capital One®
Annual Fee
$0
Credit Needed
Limited, Bad
Rewards Rate
1.5% Cash Back on every purchase, every day
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
28.99% (Variable)
- No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you're approved in seconds
- Put down a refundable $200 security deposit to get at least a $200 initial credit line
- Building your credit? Using a card like this responsibly could help
Show 6 more Show less
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
- Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
- Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Top rated mobile app
Indigo® Mastercard® - $1,000 Credit Limit
Celtic Bank
Annual Fee
See Terms
Credit Needed
Fair
Rewards Rate
N/A
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
35.90%
- Get the credit limit you deserve—$1,000 guaranteed if approved
- Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
- Get the credit you deserve, even with less-than-perfect history.
Show 4 more Show less
- Trusted by more than a million customers with reporting to all three major credit bureaus so you get credit for all of your hard work.
- Zero Fraud Liability - Peace of mind that comes with having a Mastercard.
- Don't Have Perfect Credit? No Problem!
- No security deposit, just purchasing power.
FIT™ Platinum Mastercard®
The Bank of Missouri
Annual Fee
See terms
Credit Needed
Fair/Poor/Bad
Rewards Rate
N/A
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
35.90% Fixed
- $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
Show 4 more Show less
- 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)
Capital One VentureOne Rewards Credit Card
Capital One®
Annual Fee
$0
Credit Needed
Excellent, Good
Rewards Rate
1.25 Miles per dollar on every purchase, every day
Purchase APR
0% for 15 months
Balance Transfer
0% for 15 months
Regular APR
18.49% - 28.49% (Variable)
Intro Offer
20000 Miles once you spend $500 on purchases within 3 months from account opening
- Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
- $0 annual fee and no foreign transaction fees
- Earn unlimited 1.25X miles on every purchase, every day
Show 6 more Show less
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Transfer your miles to your choice of 15+ travel loyalty programs
- Enjoy 0% intro APR on purchases and balance transfers for 15 months; 18.49% - 28.49% variable APR after that; balance transfer fee applies
- Top rated mobile app
Capital One Venture Rewards Credit Card
Capital One®
Annual Fee
$95
Credit Needed
Excellent, Good
Rewards Rate
2 Miles per dollar on every purchase, every day
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
19.49% - 28.49% (Variable)
Intro Offer
Earn up to $1000 towards travel once you spend $4,000 on purchases within the first 3 months of account opening
- LIMITED-TIME OFFER: Enjoy $250 to use on Capital One Travel in your first cardholder year, plus earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening - that’s equal to $1,000 in travel
- Earn unlimited 2X miles on every purchase, every day
- Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
Show 6 more Show less
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Receive up to a $120 credit for Global Entry or TSA PreCheck®
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
- Transfer your miles to your choice of 15+ travel loyalty programs
- Top rated mobile app
Reflex® Platinum Mastercard®
Celtic Bank
Annual Fee
$75 - $125
Credit Needed
Fair/Poor/Bad/Limited
Rewards Rate
N/A
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
35.90% Fixed
- 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.
Show 5 more Show less
- 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)
Capital One QuicksilverOne Cash Rewards Credit Card
Capital One®
Annual Fee
$39
Credit Needed
Average, Fair, Limited
Rewards Rate
1.5% Cash Back on every purchase, every day
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
28.99% (Variable)
- Earn unlimited 1.5% cash back on every purchase, every day
- No rotating categories or limits to how much you can earn, and cash back doesn't expire for the life of the account. It's that simple
- Be automatically considered for a higher credit line in as little as 6 months
Show 6 more Show less
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Help strengthen your credit for the future with responsible card use
- Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
- Top rated mobile app
Capital One Platinum Credit Card
Capital One®
Annual Fee
$0
Credit Needed
Average, Fair, Limited
Rewards Rate
N/A
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
28.99% (Variable)
- No annual or hidden fees. See if you're approved in seconds
- Be automatically considered for a higher credit line in as little as 6 months
- Help build your credit through responsible use of a card like this
Show 6 more Show less
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One's mobile app
- Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
- Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
- Top rated mobile app
Capital One Platinum Secured Credit Card
Capital One®
Annual Fee
$0
Credit Needed
Limited, Bad
Rewards Rate
N/A
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
28.99% (Variable)
- No annual or hidden fees. See if you're approved in seconds
- Building your credit? Using the Capital One Platinum Secured card responsibly could help
- Put down a refundable security deposit starting at $49 to get at least a $200 initial credit line
Show 6 more Show less
- You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
- Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Get access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with Capital One's mobile app
- Top rated mobile app