Having a Mastercard allows you to use your credit card worldwide, while also providing valuable benefits.

Almost every major issuer has a Mastercard in their card portfolio, so getting a Mastercard isn't a problem.

To get the best Mastercard benefits, you'll need a World or World Elite.

World Mastercard

A World Mastercard is the most common of the two.

What it has to offer starts with Priceless Cities. You'll find a range of experiences in cities around the world that you won't be able to find anywhere else.

Then, get access to great hotels with the Mastercard Luxury hotel & resorts portfolio. Book a hotel through the program's 2,000 and more properties and enjoy some great benefits, including:

  • complimentary room upgrades when available,
  • early check-in and late check-out,
  • daily breakfast for two, and
  • preferred amenities.

If that's not enough, Mastercard provides complimentary concierge, which acts like a personal assistant to help with things like dining and travel reservations.

Plus, there's a host of other benefits provided, like:

  • Mastercard lowest hotel rate guarantee,
  • complimentary ShopRunner access,
  • a 10% discount on onefinestay reservations, and
  • a suite of travel insurances (which varies by issuer).

World Elite Mastercard

But if you get a World Elite Mastercard, you'll get all of this, plus:

  • the Nightlife Program – exclusive access to over 200 top nightclubs, with amenities such as VIP recognition, and dedicated time slots to avoid waiting in line,
  • increased travel insurance coverages (which varies by issuer), and
  • access to additional priceless moments not available to World Mastercard holders.

Mastercard certainly offers a lot to help you get the most out of your card.

If you think a Mastercard will suit you best, here's our ranking of the top 10 Mastercards available right now.

Top 10 Mastercards

The creditcardGenius algorithm calculates an estimated dollar value for all rewards and bonuses by using a typical point value a person can realistically achieve by redeeming their rewards in a reasonably optimized way. The "Welcome Bonus" is the dollar value obtained by combining of all one-time bonuses available to new cardholders within the first year. To qualify for the full bonus you may need to make purchases, meet minimum spending requirements, or complete special actions. Terms and conditions apply.