MasterCard processes the transactions when you spend on your card and sends the money to the company you are buying from. MasterCard is not a credit card issuer.

Your credit card will be issued by a bank or financial company who also send you your monthly statement, take your bill payments, charge you fees and interest and handle any questions you have.

You can also get credit cards processed by Visa and American Express.

Should you choose a MasterCard?

The main features you can only get from MasterCard credit cards are:

However, American Express and Visa offer their own fraud protection and benefits schemes too.

Choose the best credit card by looking for the type of card that suits how you want to use it instead of only looking for a MasterCard.

What type of card is right for you?

Cards for spending

Cards with rewards

Cards for paying off another balance

Cards for bad credit or first time borrowers

Where can you get a MasterCard?

If you have decided to get a MasterCard you can find one using our comparison table above.

You can use it to compare every MasterCard deal offered by UK credit card providers by:

MasterCard FAQs

Q

How long does it take to apply for a MasterCard?

A

If you apply online it should take about ten minutes and you usually get an instant decision. Applying by post or in a branch takes longer.

Q

Where can I use a MasterCard?

A

You can use a MasterCard card in person (in shops, restaurants or other businesses), online, by phone, by mail order, in other countries or in ATMs.

Q

How is a MasterCard credit card different to a debit card?

A

Debit cards are linked to your bank account, using your balance to pay for things. Credit card spending lets you borrow money and pay it back later.

Q

Can I get a joint MasterCard?

A

No, they are held and paid off by one person, but adding a supplementary card holder gives them a card in their name that is linked to your account.

Q

Are my MasterCard purchases protected?

A

Yes, credit card providers each offer their own protection services as well as Section 75 and the Chargeback scheme.

Q

What charges will I pay on a MasterCard?

A

Credit cards come with a range of charges, but you can usually avoid them if you understand how they work.

About our credit cards comparison

Q

Who do we include in this comparison?

A

We include all of the personal credit cards you can get in the UK, apart from those offered exclusively through other companies. They are all from lenders regulated by the Financial Conduct Authority (FCA). Here is more information about how our website works.

Q

How do we make money from our comparison?

A

We have commercial agreements with some of the companies in this comparison and get paid commission if we help you take out one of their products or services. Find out more here.

You do not pay any extra and the deal you get is not affected.