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VISA & MasterCard Credit Cards

A lot of people think VISA and MasterCard are the same company, as their logos are often displayed alongside one another. They are, however, two distinct corporations – the two largest card networks in the world, in fact. You can read about the differences that exist between them in terms of secondary benefits like rental car insurance and extended warranties in our VISA vs. MasterCard guide. But the bottom line is that consumers shouldn’t care whether their card is on the VISA or MasterCard network since both boast nearly ubiquitous acceptance in 200+ countries. You should instead focus on…show more

    3.5 3,019 reviews

    Capital One® VentureOne® Rewards Credit Card


    capital one ventureone
    • Purchase Intro APR 0% until April 2017
    • Transfer Intro APR Not Offered
    • Regular APR 12.24% - 22.24% (V)
    • Annual Fee None
    • Rewards Rate 1.25 miles / $1
    • Rewards Bonus 20,000 miles
    • Minimum Credit Good
    • Rewards Details
    • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within the first 3 months, equal to $200 in travel
    • Earn unlimited 1.25 miles per dollar on every purchase, every day and pay no annual fee
    • Fly any airline, stay at any hotel, anytime
    • Travel when you want with no blackout dates
    • Miles don’t expire and there’s no limit to how many you can earn
    • Additional Info
    • Enjoy a low intro APR on purchases until April 2017; 12.24%-22.24% variable APR after that
    • No foreign transaction fees
    • Fraud Coverage - $0 Fraud Liability if your card is ever lost or stolen
    • Warranty Manager/Extended Protection - provides you with valuable features to help manage, use, and even extend warranties of items purchased with your card.
    • Auto rental insurance - use your card to rent an eligible vehicle and you’re covered for collision, damage, and loss
    • See More Details & Reviews About The Capital One® VentureOne® Rewards Credit Card
    4 1,386 reviews

    Citi Simplicity® Card – No Late Fees Ever


    citi simplicity credit card
    • Purchase Intro APR 0% for 21 months
    • Transfer Intro APR 0% for 21 months 3% (min $5) Transfer Fee
    • Regular APR 13.24% - 23.24% (V)
    • Annual Fee $0*
    • Rewards Rate None
    • Minimum Credit Excellent
    • Rewards Details
    • Additional Info
    • The ONLY card with No Late Fees, No Penalty Rate and No Annual Fee…EVER
    • 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 13.24% - 23.24% based on your creditworthiness.
    • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
    • The same great rate for all balances, after the introductory period.
    • Save time when you call with fast, personal help, 24 hours a day – just say “representative”.
    • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month.
    • See More Details & Reviews About The Citi Simplicity® Card – No Late Fees Ever
    3.5 853 reviews

    Citi® Double Cash Card


    citi double cash card
    • Purchase Intro APR Not Offered
    • Transfer Intro APR 0% for 18 months 3% (min $5) Transfer Fee
    • Regular APR 13.24% - 23.24% (V)
    • Annual Fee $0*
    • Rewards Rate 1% + 1% Cash Back
    • Rewards Bonus None
    • Minimum Credit Good
    • Rewards Details
    • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
    • No categories to track, no caps on cash back, no annual fee*
    • Additional Info
    • Balance Transfers do not earn cash back
    • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.24% - 23.24% based on your creditworthiness
    • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
    • See More Details & Reviews About The Citi® Double Cash Card
    3.5 3,185 reviews

    Capital One® Quicksilver® Cash Rewards Credit Card


    capital one quicksilver
    • Purchase Intro APR 0% until January 2017
    • Transfer Intro APR 0% until January 2017 3% Transfer Fee
    • Regular APR 13.24% - 23.24% (V)
    • Annual Fee None
    • Rewards Rate 1.5% Cash Back
    • Rewards Bonus $100
    • Minimum Credit Good
    • Rewards Details
    • One-time $100 cash bonus after you spend $500 on purchases within the first 3 months
    • Earn unlimited 1.5% cash back on every purchase, every day
    • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn’t expire and there’s no limit to how much you can earn
    • Additional Info
    • 0% intro APR on purchases until January 2017; 13.24%-23.24% variable APR after that
    • Balance transfers also have a 0% intro APR until January 2017; 13.24%-23.24% variable APR after that; a 3% fee applies to each balance transferred
    • Pay no annual fee or foreign transaction fees
    • See More Details & Reviews About The Capital One® Quicksilver® Cash Rewards Credit Card
    3.5 1,813 reviews

    Chase Slate®


    chase slate
    • Purchase Intro APR 0% for 15 months
    • Transfer Intro APR 0% for 15 months $0 Intro Transfer Fee
    • Regular APR 13.24% - 23.24% (V)
    • Annual Fee None
    • Rewards Rate None
    • Minimum Credit Good
    • Rewards Details
    • Additional Info
    • Chase Slate named "Best Credit Card for Balance Transfers" three years in a row by MONEY Magazine
    • $0 Introductory balance transfer fee for transfers made during the first 60 days of account opening
    • 0% Introductory APR for 15 months on purchases and balance transfers
    • Monthly FICO® Score and Credit Dashboard for free
    • No Penalty APR – Paying late won't raise your interest rate (APR). All other account pricing and terms apply
    • $0 Annual Fee
    • See More Details & Reviews About The Chase Slate®
    3.5 394 reviews

    Barclaycard Arrival™ World MasterCard®


    barclaycard arrival
    • Purchase Intro APR Not Offered
    • Transfer Intro APR 0% for 12 months 3% Transfer Fee
    • Regular APR 16.24% - 24.24% (V)
    • Annual Fee None
    • Rewards Rate 1 - 2 miles / $1
    • Rewards Bonus 20,000 miles
    • Minimum Credit Excellent
    • Rewards Details
    • Earn 20,000 bonus miles after you spend $1,000 on purchases in the first 90 days — that's enough to redeem for a $200 travel statement credit
    • Earn 2X miles on travel & dining and 1X miles on all other purchases
    • Get 5% miles back to use toward your next redemption, every time you redeem for travel statement credits
    • Additional Info
    • Chip card technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
    • No foreign transaction fees on anything you buy while in another country
    • 0% introductory APR for 12 months for each Balance Transfer made within 45 days of account opening. After that, a variable APR currently 16.24%, 20.24% or 24.24%, depending on your creditworthiness.
    • Complimentary online FICO® Credit Score access for Barclaycard Arrival cardmembers
    • See More Details & Reviews About The Barclaycard Arrival™ World MasterCard®
    4.5 2,553 reviews

    Barclaycard Arrival Plus™ World Elite MasterCard®


    barclaycard arrival plus
    • Purchase Intro APR Not Offered
    • Transfer Intro APR 0% for 12 months 3% Transfer Fee
    • Regular APR 16.24% - 20.24% (V)
    • Annual Fee None 1st yr, $89 after
    • Rewards Rate 2 miles / $1
    • Rewards Bonus 40,000 miles
    • Minimum Credit Excellent
    • Rewards Details
    • Earn 40,000 bonus miles when you spend $3,000 on purchases in the first 90 days — that's enough to redeem for a $400 travel statement credit
    • Earn 2X miles on all purchases
    • Get 5% miles back to use toward your next redemption, every time you redeem for travel statement credits
    • Additional Info
    • Chip card technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
    • No foreign transaction fees on anything you buy while in another country
    • 0% introductory APR for 12 months for each Balance Transfer made within 45 days of account opening. After that, a variable APR will apply, currently 16.24% or 20.24%, depending on your creditworthiness.
    • Complimentary online FICO® Credit Score access for Barclaycard Arrival cardmembers
    • See More Details & Reviews About The Barclaycard Arrival Plus™ World Elite MasterCard®
    4 1,593 reviews

    Capital One® Venture® Rewards Credit Card


    capital one venture
    • Purchase Intro APR Not Offered
    • Transfer Intro APR Not Offered
    • Regular APR 13.24% - 23.24% (V)
    • Annual Fee $0 for 1st yr, $59 after
    • Rewards Rate 2 miles / $1
    • Rewards Bonus 40,000 miles
    • Minimum Credit Good
    • Rewards Details
    • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within the first 3 months, equal to $400 in travel
    • Earn unlimited 2X miles per dollar on every purchase, every day
    • Fly any airline, stay at any hotel, anytime
    • Travel when you want with no blackout dates
    • Miles don't expire and there’s no limit to how many you can earn
    • Additional Info
    • No foreign transaction fees
    • $0 intro annual fee for the first year; $59 after that
    • Fraud Coverage - You're covered by $0 Fraud Liability if your card is ever lost or stolen
    • Travel upgrades and savings - Receive complimentary upgrades and special savings at hotels, resorts, and spas with your Visa Signature® card.
    • Complimentary concierge service - Enjoy assistance 24 hours a day, from home and when you travel, with Visa Signature® Concierge.
    • Special access to events - Your Visa Signature® card gets you special access and preferred seating at popular sporting events, premier golf outings, and concerts.
    • Travel & Emergency Assistance - Available 24/7 to help connect you with local emergency and assistance resources when you're away from home
    • Emergency Card Services - If your credit card is lost or stolen, you can get an emergency card replacement and a cash advance.
    • Auto Rental Insurance - use your card to rent an eligible vehicle and you’re covered for collision, damage, and loss
    • See More Details & Reviews About The Capital One® Venture® Rewards Credit Card
    4 2,037 reviews

    Chase Freedom®


    chase freedom
    • Purchase Intro APR 0% for 15 months
    • Transfer Intro APR 0% for 15 months 5% (min $5) Transfer Fee
    • Regular APR 14.24% - 23.24% (V)
    • Annual Fee None
    • Rewards Rate 1 - 5% Cash Back
    • Rewards Bonus $150
    • Minimum Credit Excellent
    • Rewards Details
    • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
    • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
    • Unlimited 1% cash back on all other purchases – it’s automatic
    • Enjoy new 5% categories every 3 months like gas stations, restaurants, select grocery stores, and wholesale clubs
    • Cash Back rewards never expire as long as your account is open
    • Additional Info
    • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 14.24-23.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum
    • No Annual Fee
    • See More Details & Reviews About The Chase Freedom®
    3.5 2,735 reviews

    Capital One® QuicksilverOne® Cash Rewards Credit Card


    quicksilverone rewards
    • Purchase Intro APR 0% until January 2017
    • Transfer Intro APR 0% until January 2017 No Transfer Fee
    • Regular APR 23.24% (V)
    • Annual Fee $39
    • Rewards Rate 1.5% Cash Back
    • Rewards Bonus None
    • Minimum Credit Limited History
    • Rewards Details
    • Earn unlimited 1.5% cash back on every purchase, every day
    • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn’t expire and there’s no limit to how much you can earn
    • Additional Info
    • 0% intro APR on purchases until January 2017; 23.24% variable APR after that
    • Get access to a higher credit line after making your first 5 monthly payments on time
    • Fraud coverage if your card is ever lost or stolen
    • Travel & Emergency Assistance - Available 24/7 to help connect you with local emergency and assistance resources when you're away from home
    • Extended Warranty - automatically doubles the original manufacturer's/store's warranty on eligible purchases
    • MasterRental® Insurance - use your card to rent an eligible vehicle and you’re covered for collision, damage, and loss
    • Master RoadAssist® Service - take advantage of 24 hour toll-free dispatch to help with services like towing, fuel delivery, and more
    • See More Details & Reviews About The Capital One® QuicksilverOne® Cash Rewards Credit Card
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    Community Discussion

    Ask a question or help others find the best credit card by sharing some tips.

     
    Dec 1, 2015
    By:
    Must VISA and MasterCard gift cards be purchased using cash only?
    May 13, 2015
    By:
    I use my Mastercard online more than for in-person purchases, but I do love the flexibility of having it available if I don't have cash on hand. I feel extremely comfortable using it online, I've never had any issues with card security, but I did have a slight scare once as I thought my card information may have been stolen, I contacted my Mastercard provider and they sent me out a new one within days, very convenient and kind.
    Apr 29, 2015
    By:
    I use my Visa for everything.Online, gas, groceries and in-between.I enjoy the ease of paying with my Visa. I use my Visa as both my debit card and a credit card.Visa is also accepted at just about every kind of store. I also have a few reward options that help out also from time to time. So I really do lke my Visa card and I dont think I would be switching anytime soon for a diffeent type of card.
    Apr 1, 2015
    By:
    I use my Mastercard as both my debit card and my credit card and it's the only card I have. I think it's a wonderful card. I've never had any issues with it and I feel using it is secure. I use it almost daily for running my online business and for everything from shopping online to going out to dinner on the weekends. I like the ability to have a quick way to pay and have very little to carry. My bank also offers rebates for using my card at certain stores and that's a big incentive because it's earning cash back on things I would be buying anyway.
    Mar 23, 2015
    By:
    I use my Mastrercard as I use a debit card. Credit cards are a little more secure than using a debit card. I'm not interested in buying on credit because of the high interest rate. My card happens to be a secure card, and my credit score has gone up quite a lot, I always pay thru my bank before I get a bill.
    Mar 7, 2015
    By:
    I use my Visa card literally every single day for various purchases. I use it on something as small as buying food at a to-go restaurant, or I may use it to buy textbooks at the college bookstore. The main reason I use my Visa card is because it is a great and simple way to build credit from scratch. I just pay off my balance at the end of the month by transferring money from my savings account against my Visa balance and it helps build credit. Also I prefer a card over cash any day. It's quicker and much less of a hassle.
    Feb 16, 2015
    By:
    I use my Mastercard to make all of my every day purchases. It's so much more convenient than having to have cash, or write checks - not to mention I earn cash back so it's almost like I get "paid" to buy what I'm already buying. I also like that fact that I'm protected from fraud by paying with my credit card.
    Nov 24, 2014
    By:
    I use my mastercard rather than cash every day. It is easier than racking up ATM fees to have cash, and it makes tracking my spending easier as well. I feel better using it when purchasing expensive items, or when renting a car or buying airline tickets because of the ability to dispute charges if something goes wrong. If you pay cash, you don't have that ability. And of course it makes purchasing online possible. I also like if I purchase something online and it doesn't arrive, I can always dispute the charge and they will refund me what I spent.
    Oct 30, 2014
    By:
    I use my visa card everyday. I use it at the gas station, to buy stuff at the store, in the drive thru and even to make purchases online. I don't like to carry cash on me so using my visa makes my life alot easier.
    Oct 24, 2014
    By:
    First of all we have to understand the fact that MasterCard and Visa do not issue credit cards. They make money by processing transactions between your point of purchase and your bank. They have nothing to do with your cash rewards, interest rates, late fees or customer service issues. It's all your bank that does.In a simple word i can define it as payment networks that connect merchant payment terminals with your bank’s credit card department. That's it.
    But if you ask me which one, i would say i am comfortable & good with VISA cards. I used to fly foreign countries very often especially India, middle east asia and europe. What i can find that it is VISA that most of the stores/business accept. This is an addtional point which I support VISA -MasterCard offers “Return Protection” on very few cards, whereas Visa Signature offers the service broadly. So go for VISA
    Sep 18, 2014
    By:
    I usually use my Master Card every day for gas, groceries, hardware, computers, office supplies and most of all I use my credit card for internet purchases. The credi card helps buy things without worrying about carrying alot of cash with me.
    Sep 10, 2014
    By:
    I have a number of cards and of course a Mastercard and a Visa too. Which card I will use at the time depends on what store I am at. I like rebates and different cards have different deals depending on the store or product being purchased. For example, if I am buying gas for the car I would use my PenFed Visa since it has a 5% cash rebate for gas, but only 1% for other stuff. For the other things in life, like groceries, I use my Discover card or one of the others I have, whichever has the best rebate at the time.
    Aug 7, 2014
    By:
    Visa handles everything I need for my daily purchases. Whether it's paying bills or just catching a bite to eat with some friends, the important thing is that I'm always confident in pulling it out that I'm secure when using it and that I know it will work. After stories of failed transactions or stolen information, this is exactly the card that I need and want. The rewards system doesn't hurt either.
    Jun 24, 2014
    By:
    The main reasons I use my Visa and MasterCard are for security during online transactions. Though I could use my bank account, I find that the security features available for my cards make them a smarter choice. Using them also generates rewards that benefit me later as well. There is nothing better than buying a gift for someone with my cards and earning something for myself in the bargain.
    May 31, 2014
    By:
    I use my Visa and MasterCard for several things. One of the things I love to do is shop online. When you buy things online of course you are going to need a credit card. Last Christmas I actually did all my shopping online at stores like Amazon, Ebay, Gap, Macy’s and Old Navy. My credit cards also have reward points so I love using them whenever I get gas. They usually give you more points if you use the card at a gas station.
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