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Finding the perfect Mastercard

Looking for a credit card? We're making it easier for you to find the card to meet your financial and lifestyle needs.

Mastercard does not issue cards, but through a partnership with creditcards.com, we’ve developed a fast and easy way to help you find the card that complements your spending habits. Whether you want a low interest rate, cash back or rewards, it’s now easier than ever to find the card that’s right for you.

Need help understanding terms and card features? The glossary below provides some card lingo so read on or begin your search.

Available credit — The total amount available that can be charged to a credit card after factoring in the difference between the credit limit and the amount already borrowed.

Annual Percentage Rate (APR) — The annual interest rate you will be charged each month if you carry outstanding balances on a card.

Average daily balance — A number used to calculate the amount of interest owed on a credit card balance. It is determined by adding each day’s balance within a billing cycle and then dividing that total by the number of days in the illing cycle.

Cash advance — When a cardholder takes a cash loan against the cash limit on a credit account. Cash advances are typically available at a branch, ATM or through a balance transfer convenience check.

Credit card – A payment method –  can be either a plastic card or a device tied to a credit card account – that is accepted by merchants around the world for the purchase of goods and services. 

Credit line - The amount of money that the issuer makes available to the borrower on a credit card account.

Credit score — A three-digit number between 300 and 850 that summarizes the history of how a borrower has handled credit and debt along with other financial and income factors. The higher the number, the better.

Debit card — When debit is used to make a purchase, the purchase amount is funded directly from the bank account. 

Finance charge - The total cost of borrowing including interest and fees.

Fixed rate (or Fixed APR) — An annual percentage rate that remains fixed throughout the year, unlike an introductory APR that adjusts after a specific period of time.

Gift or prepaid card  — A stored value / secured debit card that is tied to a previously deposited balance. Cards can be used to make everyday purchase or pay for most types of goods and services - either in-person or online. Some gift cards are for general use and can be used at any merchant that accepts credit cards while other cards are redeemable at specific retailers. There are also prepaid cards that are reloadable so that the cardholder can add funds to the card as they are depleted. Learn more about prepaid cards.

Grace period — The period of time between the transaction date and billing date during which no interest is charged on a credit card. The Credit Card Accountability Responsibility and Disclosure Act of 2009 requires that if issuers have grace periods, they must last at least 21 days. 

Issuer – The financial institution (usually a bank or credit union) that issues the card to the cardholder. MasterCard does not issue cards but instead provides the technology that facilitates the transaction among all parties.

*Advertiser Disclosure: Many fo the card offers that appear on the credit card finder tool are from companies from which we receive compensation. This compensation may impact how and where products appear on the site including, for example, the order in which they appear within their listing categories. This site does not include all credit card companies or all card offers available in the marketplace. 

Reasonable efforts are made to maintain accurate information. However, all credit card information is presented without warranty. Click the 'Apply Online' button on the credit card finder tool to review the terms and conditions of the offer on the card issuer's web site.