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.

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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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387 Reviews

Review Breakdown

5 grade

69%

4 grade

21%

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Wendy

Mastercard is a great card that protects it's members. If a transaction is suspicious, they do not allow it to go through.

4 weeks ago

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Alamin Islam

Mastercards have been a godsend to me. Worldwide acceptance gives me the assurance to travel with complete confidence that this card will work. Added to that is the security feature, which gives me further security when shopping on the Internet. Yes, sometimes an annual fee can be assessed, but it is so convenient for me, it outweighs any inconvenience caused by peace of mind. Overall, a thumbs up from my side to Mastercards.

5 months ago

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Maria Fernandez Arguello

I can't say the same for Mastercard. I have had some bad experience's with some companies of Mastercard. But for me, Visa and Mastercard are the best and recognized internationally

3 months ago

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Francis Adesuyi

I like this card and the customer service is phenomenal. But, the annual fee of $995 is exorbitant and you are better off opting for the Black or Titanium for $495 and $195 respectively. I just got the card I have a platinum Amex as well. Both cards are the best of the luxury card segment for the none super rich.

8 months ago

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George K

Signing up was a breeze and my card came in a reasonable time and comes preactivated. The other privileges, such as purchase protection and extended warranty service, have proven useful more than once. . For every transaction that occurs in the card, I get an instantaneous notification which enables me track any expenditure carried out and check for any fraudulent actions.

5 months ago

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atokoose taiwo boluwatiwi Lagos, LA

Ohh Mastercard, This company is a real life saver I mean in terms of financial transactions of course. I am able to make transactions an where in the world and still be able to render my Mastercard debit card and it would be accepted at anytime. Linking up my payment with online sales or website is just so easy and direct. And also the most important part which I love the most is that, when I have transaction errors and I some situations, even the cash was already debited from me, within minutes even before I place a complaint ticket, the transaction would have been resolved and my money would have been reversed back to my account.

11 months ago

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Annie Hickey

I've had several MasterCards and still own a couple. I'm never held responsible for something I didn't purchase and they are super quick to replace a car if it gets stolen or hacked

8 months ago

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Lisa daytonarz

MasterCard stands out for me amongst its peers, it takes care of my online shopping needs as well as payment for at the coffee shop, mall and so many others. It's very reliable and has never left me hanging or embarrassed

8 months ago

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Sharon Las Vegas, NV

Edward Jones Mastercard offers some great benefits to its customers such as loyalty points, balance transfer promotions, and online shopping events to list a few. Their customer service team provides an excellent customer experience.

11 months ago

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Newton Jude

My Mastercard has made me gain reputation in every online store whenever I do shopping on online stores with my Mastercard they do give me discount and good price and I like the way I can make payments faster with my Mastercard

8 months ago

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Osotomilayo

I primarily use my Mastercard credit and debit cards for everyday purchases, I have also discovered the convenience of using a prepaid Mastercard credit card for paying bills. By loading funds onto a prepaid card and linking it to my various digital wallets, I can easily track and manage my expenses while avoiding the risk of overspending. The flexibility and security provided by a prepaid Mastercard card have allowed me to stay within budget and control my finances effectively.

8 months ago

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Kevin Ortiz

MasterCard is synonymous with credit cards for a reason. Reliability, he’s of use and acceptability all around are a few of the reasons that they have been able to distinguish himself from the pack. I have not been to a business where they do not accept Mastercard as a payment method. I believe one of the areas they have not evolved is in the features and the cashback offerings. Many of its competitors are way ahead of the curve in terms of the offerings of cash back and rewards or travel points. Also the website and app design or not updated. Ask the rest of their competitors

1 year ago

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Deanna Lunceford Siecinski Bolivar, MO

I use a Mastercard debit card and have always had good service. If it looks like someone may be trying to hack into it they contact me and take care of it on their end and if need be give me a new card. This has happen a couple of times and I was pleased at how well they took care of it. I am an older person and sometimes I don’t understand something and they will help with that.

9 months ago

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Isiah Bullock

MasterCard's network reliability is commendable. I've never had issues using my MasterCard for transactions, whether online or in-person. The cardholder benefits, including purchase protection and travel insurance, provide peace of mind. The customer service team is also helpful and responsive to inquiries. Overall, MasterCard is a trusted payment solution that I rely on for its security and convenience.

10 months ago

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Samantha Madero-Craven

Mastercard has been a reliable choice for my financial transactions. Its acceptance worldwide ensures hassle-free payments whether I'm traveling or shopping online. The security features, like advanced chip technology, provide a sense of security. While it doesn't offer the same level of rewards as some other cards, its consistent performance and wide acceptance make it a solid, dependable payment option.

11 months ago

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Mark Sanford Comfort, TX

I have been a customer of the MasterCard "family" over the last 50+ years and been very pleased. My most recent call to MasterCard was concerning an order I had placed that, when asked by MasterCard if it was a "legitimate" purchase, I accidently confirmed "No". I called right away to let them know I had "messed up" in not accepting. They were happy to hear from you and immediately looked into the situation. They also informed me that the company I was attempting to purchase an item from was suspicious as a scam. I rethought the purchase, thanked them, and decided to take their advice and Not purchase the item. Assumed they were more "in the know" about this than me since this was a company unfamiliar to me. I'm thankful they were there for me.

1 year ago

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Verified Customer

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Harry ALLEN Williams Bainbridge, IN

I lower my credit card from 10,000 to 1000 because of fraudulent activity on my account. This was my idea not the card. I wanted to take my limit to 5000. They would not do it. Answer I missed too many payment. Checking on this, there were no late payments. I paid a few on line which took them a few days but their records show non late in over 36 months. Credit rating around 720, Have a loan for furnace and everything else paid off.

4 years ago

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Michelle Kuykendall

Mastercard has very good customer service and is excepted everywhere I go, I have never had any issues using any of my credit or debit cards anywhere.

5 months ago

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Stephanie Bloniarz

I have been a consumer of MasterCard for many years. I appreciate the fact that MC is accepted everywhere I shop, even when I travel out of the country. I always feel safe and secure using my MasterCard. A++++++++++++++

8 months ago

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Rahima Khatun Rumky

An average credit card network that is being used by most of the cards. It's one of my favorite because it's using by most of the credit card companies and it's accepted by most of the payment gateway..

7 months ago

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Funbi Atokose

Mastercard credit card wide acceptance is of great advantage to me . I love the fact that I can use it at countless of locations worldwide, making it a perfect choice for both of my domestic and international transactions.

8 months ago Edited April 2, 2024

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Ayomide

One of the best credit card services you can ever find out there. I have been using it for 5 years now. Not a single issue from them at all. i prefer to use it mostly during my international travels for easy payment because it is very widely accepted everywhere

8 months ago

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Joseph Faenza Washington, DC

I really like having a MasterCard credit card in my wallet because I know most places that I go to I will be able to use it for whatever purchases I am looking to make. Also if you were a well qualified borrower, I have found that their interest rates are very good.

1 year ago Edited August 7, 2023

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Anoushka Ahuja Lecanto, FL

Mastercard is accepted at all the locations all around the world. On my last trip to India I called them right before my trip gave them my travel dates and I told them that they will see charges on my card from India and they made a note on my account and were very pleasant to talk to

2 years ago

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Hank Ricardo Winnipeg, MB

I have many credit cards but none other compares to my master card. I've had it since is was 18. I've had a few problems with it, but customer service was on top it . I'm very pleased with my master card. Never leave home with out it .

10 months ago

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Kanyin Esther

What I like about mastercard is the real time payment in additionally I appreciate their website and their customer service that answers my question on their dashboard matercard made me worry less for paying for all my bills online

10 months ago

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Clar lau

Paying both online and offline bills using Mastercard is very quick, reloadable Mastercard are easy to top up on the account balance then prepaid Mastercard gift card can be sent to friends for paying online services though ATM withdrawal is not supported.

11 months ago

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Arooj Naeem Washington, DC

Mastercard has been a reliable and widely accepted choice for my financial transactions. The global acceptance and security features provide peace of mind during purchases. While specific benefits may vary depending on the issuing bank, the overall convenience, and the variety of available cards make Mastercard a preferred option for managing my financial transactions.

1 year ago

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Russ Hamstring Lake Havasu City, AZ

My cards always work as they should. I never had an issue at all and Master Card is taken anywhere cards are taken. The rates are very fair and I would recommend using a Master Card for anyone. I never have a yearly payment which is nice and the many perks you get as a holder is expansive. If you never read the perks you get with credit cards, you should because there is a lot of useful things there.

1 year ago Edited September 11, 2023

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Sherran Nutson Atlanta, GA

I am/have been a MasterCard customer for more than 25 years. MasterCard has come a long way and is now being accepted more than it was a few years ago. Like my other credit cards, Mastercard provides me with financial freedom and financial, educational tools on how to make my money work for me. Whenever I call customer service about investment options, they take time to explain the in/out of each investment tool. The customer service reps are always professional, unrushed and willing to go above and beyond the normal chat.

1 year ago Edited July 17, 2023

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Rafael Matthew Jamaica Plain, MA

I've been using a Mastercard credit card for years now and can confidently say that it's one of the best out there. The customer service is top-notch and their rewards program is amazing. My transactions are always secure and I never have to worry about fraud or theft. Most importantly, they offer competitive rates and fees that make using this card all the more worth it.

1 year ago

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Russell Stence Rochester, NY

I have used several Mastercards over many years, and have been happy with each of them. They are accepted almost everywhere and have allowed me to conveniently make purchases at home or when traveling. They have also been convenient in terms of online and phone purchases, as well as conducting any necessary business (including paying bills) online.

2 years ago

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Steve Harris Gonzales, LA

I have 2 MasterCards. I've had both cards for a number of years and have never had a single negative issue with either card. Every time I have ever called them they have taken very good care of me. For example, one of the things I really like is their fraud department keeps close watch of my cards and contacts me when they suspect something looks out of the ordinary. It's good to know they are taking care of things.

2 years ago Edited January 24, 2022

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Zac Cannon Long Beach, MS

I have been using MasterCard since I first got a Credit Card. I have only had one issue where my card account was hacked. The customer service knocked it out before it got out of hand and made sure the funds were returned quickly. I did have to pay a small fee for the funds to get returned, but it was not anything detrimental to the account or my financials.

4 years ago

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kristin Gneiting Pleasant Grove, UT

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.

5 years ago

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Reese Pleasant Grove, UT

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.

5 years ago

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Blankie

This card has helped me buy groceries and putting food on my table and buy essentials for my pet and fir my house.

4 months ago Edited August 2, 2024

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martins timothy

Their customer service is truly appalling, their staff are useless and almost every phone call drops out They take time to process online payment with us very bad any single error can take up to 5 days or so It’s getting boring they should do better

8 months ago

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Richa rawal

I loved their online net banking service that how they easily allow us to do transactions. Mastercard has been my main usage card which also provide me multiple offers for my online shopping as well.

6 months ago Edited June 28, 2024

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todd johnson

my experience has been good, I have gotten steady increase in credit increase, help learning about getting and maintaining good credit advise, easy to talk to representatives

6 months ago Edited July 1, 2024

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Raymond

It is fast and reliable as a means of payment for me when purchasing item in the store. I have never had any form of fraudulent activities on my card. The interest charges is kind of high so it should be reduced. Apart from that i have never had any issue using the credit card.

7 months ago

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daniel johnben

I've used a Mastercard credit card before, and I found it to be widely accepted and convenient to use. The rewards program was pretty good too! Overall, I had a positive experience with it.

8 months ago

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Life of Frog South Bend, IN

Have several Mastercards and they are accepted everywhere, haven't had any problems paying at any store or service. Customer service fixes any mistakes and watches for fraud for us.

2 years ago

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Connor Smith Palm City, FL

I have held several master card credit cards. I enjoy the cash back rewards and the attentive customer service. Also enjoy the ease of access when checking my statement and paying my bill online.

2 years ago

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Eddie Rios Ogden, UT

Having a variety of MasterCard accounts, its hard to fathom american retail life without them . They are safe to use, economical, and service is always available. I can't see going anywhere with MasterCard.

4 years ago

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Mickey Mangum Long Beach, MS

I currently have a master card debit card. It works everywhere and just like they advertise. When I call for customer service they are polite and intelligent. I would recommend this to anyone.

4 years ago

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Anne Kimball Salt Lake City, UT

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.

6 years ago

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Liam steiner Cedar Knolls, NJ

Mastercard is very simple, high perceived safety level and constant improvement. It has helped me protect myself from risk of online fraud and simplified my checkout process because I can easily make transactions without interface.

10 months ago

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Amani Patel York, PA

Very good credit card company! I have relied on my MasterCard for quite some time and it is always a trustworthy card and company. Would definitely utilize MasterCards services in the future.

10 months ago

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Nora Mosley

I have always used mastercard as my card services and I have not had any issues with them. I have used mastercard for almost 30 years and I am very satisfied. Using mastercard gives me the flexibility in knowing that I will not have any issues when I travel. I have had identity theft in the past and they helped me in getting fraud alerts set up, I was not liable for charges that I did not make and I was given a new card with no issues.

8 months ago