Best Mastercard Credit Cards
Top Mastercard cards ranked by earn rates and World Elite benefits.
Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
Ranked by earn rate and redemption value, statement credits minus annual fees (weighted against a typical $30,000/year in total card spend), shopping portal bonuses when we recognize the merchant, matched benefits and promotional earn boosts. The ¢ per dollar column is the reward rate at Dining and Grocery Stores and Travel, after spend caps. Order can differ from that column because ranking adds the adjustments above.
Citi Strata Premier Card
Citi
- +3x on Dining — points worth 1.7¢ each
- +Annual Hotel Savings Benefit (up to $100/yr) — not counted in estimated value or ranking; eligible use has not been established
- +60,000 points bonus (~$1,020 value)
Bilt Obsidian Card
Cardless
- +3x on Supermarkets — points worth 2.0¢ each. 3X applies only if grocery replaces the default dining as the elected 3X category (switch within 30 days of opening or each January); grocery 3X is limited to $25,000 a year. 3X applies only while dining is the elected 3X category (dining or grocery). Dining is the default at account opening; grocery can be chosen within 30 days of opening or each January.
- +$100 of Bilt Travel Hotel credit (up to $100) — not counted in estimated value or ranking; eligible use has not been established
- +$200 in rewards bonus (~$200 value)
Bilt Palladium Card
Cardless
- +2x on everything — points worth 2.0¢ each
- +$200 of Bilt Cash (up to $200/yr); $400 Bilt Travel Hotel credit (up to $400); Priority Pass Airport Lounge Access — not counted in estimated value or ranking; eligible use has not been established
- +50,000 points bonus (~$1,000 value)
Compare the Top Picks
Earn 3 ways on one dinner
Your card's dining rate, a dining program you link it to, and the reservation perks it unlocks. The dining map shows all three, restaurant by restaurant.
Quick Comparison
Side-by-side view of the ranked picks.
| Card | Applicable Rate | Effective Value | Annual Fee | Network |
|---|---|---|---|---|
| Citi Strata Premier CardCiti | 3x ThankYou Points Dining | 4.6¢/$ | $95 | mastercard |
| Bilt Obsidian CardCardless | 3x Bilt Rewards Supermarkets | 4.0¢/$ | $95 | mastercard |
| Bilt Palladium CardCardless | 2x Bilt Rewards All Other | 4.0¢/$ | $495 | mastercard |
| Citi Strata Credit CardCiti | 3x ThankYou Points Supermarkets | 3.5¢/$ | $0 | mastercard |
| Capital One Venture Rewards Credit CardCapital One | 2x Capital One Miles All Other | 2.9¢/$ | $95 | mastercard |
| IHG One Rewards Premier Credit CardChase | 5x IHG One Rewards Dining | 2.5¢/$ | $150 | mastercard |
| SavorOne Rewards from Capital OneCapital One | 3% cash back Dining | 2.3¢/$ | $39 | mastercard |
| Citi Strata Elite℠ CardCiti | 3x ThankYou Points Dining | 3.2¢/$ | $595 | mastercard |
| Citi Double Cash CardCiti | 2% cash back All Other | 2.2¢/$ | $0 | mastercard |
| BMO Premium Rewards Mastercard®BMO | 4x points Dining | 2.2¢/$ | $95 | mastercard |
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