How to Apply for a MasterCard Credit Card

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How to Apply for a MasterCard Credit Card. MasterCard started as a member-owned, bank operated credit product provider in 1966. Today, the company serves banks and consumers around the world. Here how you can apply for a card.

Review MasterCard's Credit Products

Prioritize what you are looking for before you apply for a MasterCard. Depending upon your objectives and financial situation, you should search for a card that offers a low introductory rate, a low ongoing rate or additional benefits such as partner company rewards or cash back.

Review MasterCard's consumer credit products designed for students. Since the majority of young people have little or no credit history, these products may require a co-signer or additional fees for their use.

Know your credit situation before you start shopping for a new MasterCard credit card. If you have good to excellent credit, MasterCard may offer credit products that feature a lower interest rate.

Compare the cost of a MasterCard credit card. In addition to a card's APR, it is important to weigh the expenses of monthly or annual fees. Typically, you will find these fees charged at a higher rate on cards with markedly lower interest rates.

Apply for a MasterCard

Select a MasterCard product by visiting the MasterCard homepage (see Resources below).

Expect to be redirected to the website of the issuing bank for the MasterCard you have chosen after you hit the "Learn More" button.

Navigate to the pre-qualification application from the issuing bank's website. You may be presented with links or buttons that are labeled "Click Here to Begin" or "Apply Now."

Complete the required information for your MasterCard credit card application. Before starting, you should have your financial information, including your annual gross income, your social security number and employment history.

Review the application and hit the "Submit" or "Complete" button to send your application to the issuing bank's offices. Even though MasterCard will be managing your credit card account, your new card will be issued by the bank or other financial institution.

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