Choosing a card

How to find the card
that's right for you

There are several factors to consider, such as card features, worldwide acceptance, annual fees and more.

Interest rates

These charges will determine the costs you pay on your card over time. The Annual Percentage Rate (APR - a measure defined in law) is the yearly percentage rate that you pay on an outstanding balance in the form of interest and charges. Interest is charged as a percentage of your outstanding balance (purchases and charges reduced by payments or credits posted) on a monthly basis.


Rewards programs can enhance the value of credit and debit cards. A rewards program is typically based on accumulating points based on the purchases or transactions you make on your card. These points can be redeemed for incentives, including various products and services, airline travel, holidays and more.

Annual fees

Some card issuers charge an annual fee, which can help offset costs that issuers incur in maintaining accounts.

Worldwide acceptance

An important aspect of a card is its level acceptance. With more than 32 million acceptance locations worldwide, no card is accepted in more places and by more merchants.

How to apply for a card

MasterCard does not issue cards directly. Instead, cards are issued through our member institutions. Please refer to the list of card issuers.