Calculator: 7 Best Mastercard Credit Cards [2021]

Mastercard offers valuable rewards ranging from cash back to luxury travel rewards. Get our best picks and calculate rewards based on your spend.

The Point Calculator's top picks for the 7 best Mastercard credit cards are:

  • Citi® Double Cash Card
  • Citi Premier® Card
  • Bank of America® Cash Rewards credit card
  • Capital One Quicksilver Cash Rewards Credit Card
  • Capital One SavorOne Cash Rewards Credit Card
  • Chase Freedom Flexâ„ 
  • Sam's Club® Mastercard®

Citi® Double Cash Card

The Citi Double Cash Card is one of the best flat-rate cash back Mastercard credit cards on the market. It earns 2% cash back on all purchases in which you'll earn 1% cash back on the purchase and another 1% when you pay off that purchase. Cash back earned can easily be applies towards the card purchases as a statement credit which makes the rewards really flexible.

Citi® Double Cash Card
Rewards Rate
2%
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Intro Bonus
No current intro bonus
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
3%
Main Card Highlights
  • To earn cash back, pay at least the minimum due on time.
  • Cash back earned can be converted to the Citi ThankYou Rewards program

Citi Premier® Card

The Citi Premier Card is a well-rounded travel card that earns 3 ThankYou Points per $1 spent on restaurants, supermarkets, gas stations, air travel, and hotel purchases. Points earned are worth around 1 cent each on average, but they can be transferred to Citi's airline partners for a chance at great value.

Citi Premier® Card
Rewards Rate
3X
Earn 3X points per $1 spent at Restaurants and Supermarkets
3X
Earn 3X points per $1 spent at Gas Stations, Air Travel, and Hotels
1X
Earn 1X points per $1 spent on all other purchases
Intro Bonus
Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
Annual Fee
$95
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • Annual $100 Hotel Savings Benefit
  • No expiration and no limit to the amount of points you can earn with this card
  • No Foreign Transaction Fees on purchases

Bank of America® Cash Rewards credit card

The Bank of America Cash Rewards credit card earns 3% cash back on a select category of your choice, 2% back on grocery stores and wholesale club purchases, and 1% back everywhere else. This Mastercard offers the best returns if you're a Preferred Rewards member which can earn you up to a 75% bonus. This means that you would be able to earn up to 5.25% on your select category, 3.5% on grocery stores and wholesale club purchases, and 1.75% on all other purchases. The Bank of American Cash Rewards credit card has no annual fee which means you can really rake in some easy cash back.

Bank of America® Cash Rewards credit card
Rewards Rate
3%
Earn 3% cash back in the category of your choice (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).
2%
Earn automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).
1%
Earn unlimited 1% on all other purchases.
Intro Bonus
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
3%
Main Card Highlights
  • No annual fee
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
  • Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
  • 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 13.99% - 23.99% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
  • No expiration on rewards
  • If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase
  • Contactless Cards - The security of a chip card, with the convenience of a tap

Capital One Quicksilver Cash Rewards Credit Card

If you're looking for an easy, flat rate cash back credit card, the Capital One Quicksilver Card is one of the best Mastercard credit cards you can have in your wallet. It earns 1.5% cash back on all purchases, has no annual fee, and no foreign transaction fee. That makes it a great card for earning easy cash back domestically and internationally. Pair it with the Savor or Savor One Card (see below) and you have yourself a great cash back combo.

Capital One Quicksilver Cash Rewards Credit Card
Rewards Rate
1.5%
Earn unlimited 1.5% cash back on every purchase, every day
Intro Bonus
One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • 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
  • Pay no annual fee or foreign transaction fees

Capital One SavorOne Cash Rewards Credit Card

The no annual fee Capital One SavorOne Card is a great Mastercard credit card that earns 3% cash back on dining and entertainment purchases, 2% cash back on grocery, and 1% cash back on everything else. Cash back earned with the card can easily be redeemed towards purchases made on the card, gift cards, and more. Like all other Capital One credit cards, the SavorOne does not have a foreign transaction fee which makes it a great Mastercard for international travel.

Capital One SavorOne Cash Rewards Credit Card
Rewards Rate
3%
Earn unlimited 3% cash back on dining and entertainment
2%
Earn 2% at grocery stores
1%
Earn 1% on all other purchases
Intro Bonus
Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • 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
  • No annual fee and no foreign transaction fee

Chase Freedom Flexâ„ 

The Chase Freedom Flex Card is a Mastercard that earns 5% cash back on quarterly rotating categories. This means that the bonus categories offered on the card changes every 3 months in alignment with normal calendar quarters (e.g. Jan-Mar, Apr-June, etc.). The categories on the Chase Freedom Flex Card for any given quarter is typically unknown up until 15 days prior to the start of a new quarter. Chase tends to stick to similar categories every year, so it's easy to predict what their categories might be. Regardless, the card has no annual fee and there's really no drawback to not having it.

Chase Freedom Flexâ„ 
Rewards Rate
5%
Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate.
5%
Earn 5% on travel purchased through Chase.
3%
Earn 3% on dining at restaurants and drugstores.
1%
Earn 1% on all other purchases.
Intro Bonus
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
3%
Main Card Highlights
  • Enjoy new 5% categories each quarter!
  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • No annual fee.

Sam's Club® Mastercard®

If you're a Sam's Club member and you love to travel, you'll want to consider picking up the Sam's Club Mastercard. It earns 5% cash back on U.S. gas station purchases (includes Sam's Club and Walmart gas stations), up to 5% back on Sam's Club purchases as a Sam's Club Plus member, 3% back on dining purchases, and 1% back on all other purchases (including Sam's Club purchases). The card has no foreign transaction fee which makes it a great Mastercard to take along with you on international travel.

Sam’s Club® Mastercard®
Rewards Rate
5%
5% cash back on gas anywhere (up to $6,000)
5%
Plus members earn 3% back on eligible purchases when shopping in-club or digitally through Sam’s Club when they use their Sam’s Club® Mastercard® and another 2% back from their Plus membership, for a total of up to 5% rewards on eligible purchases.
3%
3% cash back on dining and takeout
1%
1% cash back on all other eligible purchases.
Intro Bonus
Get a $30 statement credit when you open a new account and make $30 in Sam’s Club purchases within 30 days.
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • Sam’s Club cardholders can easily make purchases, track spending, check and pay balances, and securely manage and freeze accounts via the Sam’s Club mobile app enabled by the Synchrony plug-in (‘SyPi’).
  • Rewards are automatically loaded onto membership cards and can be used for future purchases made both online and in-club, or exchanged for cash back.
  • Contact-free technology, including the integration of payments capabilities into Sam’s Scan & Go patented solution, both in-club and at the pump.
  • Plus members earn 3% back on eligible purchases when shopping in-club or digitally through Sam’s Club when they use their Sam’s Club® Mastercard® and another 2% back from their Plus membership, for a total of up to 5% rewards on eligible purchases.

Best Cards By Spend Calculator

The Best Cards By Spend Calculator will give you an idea of which credit cards will offer you the most rewards based on your spend. Results will be sorted by net return which is the average value of the rewards earned, plus annual credits, and minus annual fees.

Results will consist of top-rated credit cards that are tied to the Mastercard network. Mastercard business credit cards will not appear in the results.

Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
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Category Spend

Enter your spend per month, year, or quarter for the listed categories. You can then click Get The Best Cards to get the list of results.
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Spend Duration

You can set the duration of the spend for the categories listed above. If you're looking for the best card for only n-months worth of spend, this is where you change the option. If you want to calculate based on a full year of spending, you can leave it set to a duration of '1 Year'.

Adjust Transferable Points

Some rewards programs allow you to transfer your earned points to airline, hotel, and other loyalty programs. These programs will generally have higher point values when doing such. Since these matter so much when choosing a credit card, you can enter your own point value for these programs to include in the calculations. You can set any of the currencies listed below to 0 to calculate based on the non-transfer value (in which most are 1 cent per point with the exception of Chase's 1.25/1.5 cent redemptions). The values I have listed are what I think is the easiest value to get out of your points when transferring to partners. You can click on the to learn more about the value of the currency (opens in a new tab/window).
Depending on what you're calculating, all programs listed below may not be featured in the results.

Results

Note: Results may take a few seconds to generate after doing a search. The results and values listed are estimates to help guide you towards making the best decision. They are for illustrative purposes only.
Results Will Appear Here
Updated 2021-03-30 By Robert Flowers III

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