MasterCard has a very unique place in the banking and financial industry because the company is not the actual issuer of its services. Instead, MasterCard is more of a third party that helps banks or credit unions provide services to members. As a company, MasterCard is always innovating and working to improve the technologies offered. Over its fifty-year history, that spirit of improvement has led to some of today's most commonly used services, like Master Pass. Many banks and other financial institutions have trusted MasterCard to provide quality credit cards and services to help the members to have the best experience possible.

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The Good

  • Large selection of cards
  • Rewards programs
  • Mobile payment options

Large Selection of Cards

MasterCard's unique place in the financial industry as a provider and not an actual issuer allows it to offer a very wide selection of options. There are several credit cards available through MasterCard, which is a great benefit to potential MasterCard customers as most financial institutions only offer two to four credit card options. With all of these options, customers can find the card that will fit their needs best and then find a financial institution that offers that specific card.

Rewards Programs

The credit cards offered by MasterCard come in a very wide selection of options. One way that issuers and customers can customize the experience that they have with their credit cards is through the rewards programs. Since there are so many different card options, customers can choose what they want out of a rewards program. Available rewards include cash back, merchandise, travel miles, hotel vouchers, and more. There are also cards that have fixed reward earning categories and others that allow the customer to earn points through any purchase.

Mobile Payment Options

A popular new form of technology throughout the financial industry is digital wallet service, which is when the customer does not have to have their credit card physically present with them at the time of purchase. Instead, they can use their mobile device loaded with all of the credit card information and software necessary to make purchases. MasterCard has taken part in this innovation and offers several digital wallet solutions to its customers. Customers can use Apple Pay, Android Pay, Microsoft Pay, or Samsung Pay in conjunction with their MasterCard credit card. The company has also developed several security measures to make this new technology even more safe and convenient to use.

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The Bad

  • Issuers
  • Consistency

Issuers

The main issue that customers will face when trying to obtain a credit card through MasterCard is that the company is not actually a credit card issuer. This means that customers cannot obtain a card through MasterCard but have to go through a separate third party financial institution, whether it be a major bank or a credit union. MasterCard only offers its credit cards to those institutions, who then offer them to customers. This can create problems if a customer is a member of a credit union that does not subscribe to MasterCard credit cards because they will either have to settle for a different card or become a member of a different institution, which can be a hassle.

Consistency

Since MasterCard credit cards are offered all across the globe by a wide variety of carriers, there is little consistency in the services offered. MasterCard has set services and products that are offered through the company itself that cannot be changed by the provider. However, the exact terms and policies used in conjunction with these credit cards are different depending on who the issuer is for the specific card. Each company does things a little differently, making it difficult for customers to keep up with how their MasterCard credit card is to be used.

The Bottom Line

Since MasterCard is not hindered by the typical limitations of a financial institution, the company can offer an even wider selection of card options. The company's rewards programs, security features, rates, and other features span a wide range that will fit most customers' needs in some way or another. However, the downside to MasterCard credit cards is that they are issued by a variety of other financial institutions, so customers will either be limited to the card that their bank or credit union offers or they will have to become a member of the institution that does offer the card they want.

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User Reviews

Star Rating

4.6
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26 Reviews

Review Breakdown

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Larson
December 2nd, 2019 Riverton, UT DETAILS
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We have had MasterCard for a few months now and it seems like they’ve struggled getting things correct. I’ve had to spend a lot of time working out mistakes.

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Michelle W
November 27th, 2019 Coraopolis, PA DETAILS
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I have a Citizens cash back mastercard and it was the first credit card that I obtained. I have never had any security issues with this card.

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Eric Smith
November 20th, 2019 Riverton, UT DETAILS
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Love our MasterCard and we have never had any problems of any kind. Also, love that we can use it whenever we have traveled outside the country.

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Todd Homitz
November 18th, 2019 Evans City, PA

Great card but I haven't found them to have the greatest rewards program so I no longer have a card.

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Tony
November 7th, 2019 Riverton, UT DETAILS
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Use a Mastercard for work purchases and it's pretty much accepted everywhere. Customer service is also good with the particular card I have.

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Rischelle Mikkelson
October 14th, 2019 American Fork, UT DETAILS
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We have a Capital One MasterCard and it is our credit card of choice. It is accepted everywhere we go. It is easy to use for travel, even International travel. I like their additional protection and services against fraud.

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Amy Boren
October 7th, 2019 American Fork, UT DETAILS
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years ago we had a mastercard. They were great to work with but we closed the account to have fewer credit cards.

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Rushie Gregory
October 4th, 2019 Pleasant Grove, UT DETAILS
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My work uses MasterCard for our pay cards and I've only had good experiences with them. It's helpful that it's not a super long process to access card settings, and it's a secure system.

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Don Boren
October 4th, 2019 American Fork, UT DETAILS
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I had a Cabela's mastercard and I really enjoyed the rewards program for that particular card. I got good value for the money I spent on purchases

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Ellen Morris
October 4th, 2019 Potomac, MD DETAILS
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I am loving my mastercard credit card through Apple! It is giving me great rewards and i love how reliable it is. I also really appreciate the no international fee mastercard offers because unlike competitors, they are widely accepted outside of the United States.

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kristin Gneiting
September 25th, 2019 Pleasant Grove, UT DETAILS
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We have the Venture One Mastercard. We received 0% introductory rate for 18 months which is longer than most introductory rates. We get unlimited 1.25 miles per dollar on every purchase we make each day. Some hotels we even get 10x the miles. This has been a trusted company for us through Capital One. I trust Mastercard and the security it gives me on all my purchases.

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Helen Macfarlane
September 19th, 2019 Pleasant Grove, UT DETAILS
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I use my MasterCard every day and have never had a single problem. Reliable, easy, and convenient!

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Ron Durfey
September 9th, 2019 Pleasant Grove, UT DETAILS
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Love my MasterCard and the service I get from them. I have always been a big AE user but I now have become a loyal customer to MasterCard because of their support and fairness.

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Darrin Henry
September 9th, 2019 Pleasant Grove, UT DETAILS
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I love have a Mastercard for my Smiths account especially now since Visa isn't taken everywhere and I get valued benefits at my grocery store.

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Virginia Rosenthal
September 5th, 2019 Pleasant Grove, UT DETAILS
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I use my MasterCard credit card for my health savings account. I've never had any major issues with the card. There was one time it didn't work so I called customer service and go the issue quickly resolved.

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Dave Ros
September 4th, 2019 Pleasant Grove, UT DETAILS
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I use the MasterCard brand for my HSA card. I have never had an issue with using the card. The processing of charges works well.

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Dale L Farmer
June 4th, 2019 Littleton, CO DETAILS
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This has been a good card to have for my business. It is accepted at so many places.

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Reese
May 20th, 2019 Pleasant Grove, UT DETAILS
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I have a MasterCard that I use for convenient purposes. They are accepted everywhere and I haven't been somewhere were I haven't been able to use it. Good interest rate that is manageable and even better if I can pay if off monthly. no annual fee, another big plus. Who hasn't had a mastercard and one time or another. They are another option of managing spending and convenience of pay.

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nathan brewer
February 1st, 2019 Lehi, UT DETAILS
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My credit card provider just switched to MasterCard and I was very worried it wouldn't be as easy to use as my last card. I have found it just as easy to use and have not been denied anywhere I have tried it.

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Anne Kimball
July 23rd, 2018 Salt Lake City, UT DETAILS
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We use Mastercard for our business accounts at work and it's always been easy to adjust credit limits and get new accounts set up. We've never had an issue with submitting payments.

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Avery Fowler
May 31st, 2018 Pleasant Grove, UT DETAILS
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I use my MasterCard for purchases at a clothing store that gives me cash back if I use it. I live that fact that purchases I would normally make are giving me gift cards to purchase things from their store.

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adrian irish
December 11th, 2017 Rutland, VT DETAILS
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milestone card - service and flexibility plus ease of payment.

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April Lord
December 11th, 2017 DETAILS
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I have had no problem with them. If I ever had a questions about it, they were there to answer it.

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Janice Williams
November 28th, 2017 Baltimore, MD DETAILS
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Masterdard is the best for me if I have problems with anything . I call the company they help me.

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Carol Carlson
September 14th, 2017 Athol, MA

They have helped me when I had a problem with efficiency and understanding.

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Jerry Klepadlo
September 12th, 2017 Brentwood, NY

I fly very often. Gaining points and converting those points to free flights is amazing and saves my family a lot of money.

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