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MasterCard Credit Cards

Reviews and opinions of the best MasterCard credit cards.

Capital One® Cash Rewards – $100 Cash Back Bonus

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Editor’s Rating

  • $100 Bonus after you spend $500 in the first 3 months
  • 50% bonus on the cash back you earn every year
  • 1% cash back on all purchases
  • No annual fee
  • Earn unlimited cash back that doesn’t expire
  • Redeem cash back anytime for any amount, even set automatic redemptions
  • Personalize your card with an image of your choice
  • 0% intro APR on purchases and balance transfers until June 2013.
Intro APR Intro Period Regular APR Annual Fee Credit Needed
0% on purchases and balance transfers Until June 2013 12.9% – 20.9% (V) $0 Excellent Credit

Citi Simplicity® Card

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Editor’s Rating — — Editor’s Pick, If You Carry a Balance

  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% – 21.99% based on your creditworthiness.
  • Peace of mind through direct access to a service representative, no late fees and no penalty rate
  • No annual fee
Intro APR Intro Period Regular APR Annual Fee Credit Needed
0% on purchases and balance transfers 18 months 12.99% – 21.99% (Variable) $0 Good Credit

Orchard Bank® Classic MasterCard®

Orchard Bank Classic MasterCard

Editor’s Rating: — Editor’s Pick: Bad Credit — The Orchard Bank® MasterCard® is an excellent credit card choice for people looking to build their credit, with reporting to the three major credit bureaus on a monthly basis. See the card you’re more likely to be approved for, risk and obligation free, and in just 30 seconds!

  • An excellent credit card for help rebuilding credit reports to 3 major credit bureaus monthly!
  • Acceptance at millions of locations worldwide, including website purchases and reservations
  • Your account information is updated and at your fingertips 24/7 so you can manage it your way
  • Email and text messages are available to remind you of your upcoming payment due date
  • Knowledgeable customer service representatives to assist you with questions or concerns
Intro APR Intro Period Regular APR Annual Fee Credit Needed
N/A N/A 14.99% – 24.99% $0 Bad Credit

*Additional Rate and Fee Information:

  • Variable Purchase APR: 14.99% – 24.99%, or 7.99% for secured cards
  • Annual Fee:$39 or $59 the first year, or $0 – $49 Introductory the first year, then either $35 or $59 per year thereafter
  • Late Fee:Up to $35
  • Variable Balance Transfer APR: 14.99% – 24.99%, or 7.99% for secured cards
  • Variable Penalty APR: 29.99%

*Orchard Bank’s goal is to provide you the credit card that best fits your credit profile, which may or may not be the card you originally inquired about. You may be offered a secured card or an unsecured card, and with different terms and conditions which will be disclosed before your application is processed. Please see the Orchard Bank Website for a complete list of terms.

Slate® from Chase – No Balance Transfer Fee


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Editor’s Rating:

  • No Balance Transfer Fee!*
  • 0% Intro APR for 15 months on purchases and balance transfers
  • Transfer your higher rate balances during the first 30 days your account is open and you will pay no balance transfer fee!
  • After the first 30 days, the fee for future balance transfers is 3% of the amount transferred with a minimum of $5
  • Avoid interest on everyday purchases
  • Pay down your balance faster
  • Zero liability on unauthorized purchases*
  • No Annual Fee*
Intro APR Intro Period Regular APR Annual Fee Credit Needed
0% on purchases and balance transfers 15 months 11.99%-21.99% (V) $0 Good Credit

Capital One® Cash Rewards

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Editor’s Rating — Editor’s Pick, Rewards Card for Average Credit.

  • 50% bonus on the cash back you earn every year
  • 1% cash back on all purchases
  • Earn unlimited cash back that doesn’t expire
  • Redeem cash back anytime for any amount, even set automatic redemptions
  • Personalize your card with an image of your choice
  • 0% intro APR on purchases until March 2013
Intro APR Intro Period Regular APR Annual Fee Credit Needed
0% on purchases Until March 2013 17.9% – 22.9% (V) $39 Average/Limited Credit

Capital One® Platinum Prestige Credit Card

Capital One® Platinum Prestige Credit Card

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Editor’s Rating — — Editor’s Pick, Low Regular APR.

  • 0% intro APR until September 2013 on balance transfers
  • 0% intro APR until September 2013 on purchases
  • No annual fee
  • $0 Fraud Liability if your card is lost or stolen
  • 24-hour travel assistance gives you a replacement card and cash advance
  • 24-hour roadside assistance
  • Pick an image for your card—choose the one shown here, any of the hundreds in our collection or add your own
Intro APR Intro Period Regular APR Annual Fee Credit Needed
0% on purchases and balance transfers Until September 2013 10.9% – 18.9% (V) $0 Excellent Credit