MasterCard ID Protection Logo

MasterCard ID Protection

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7 User Reviews
LAST UPDATED: April 26th, 2022

MasterCard is a global company that provides debit and credit card services. The company's goal is to make payments "safer, simpler, and smarter" for credit and debit card users.

In addition to its main services, MasterCard now offers identity protection services through Generali Global Assistance, Inc. at no extra cost to its cardholders. The company now also provides identity theft protection services to small business owners who are located in the United States.

Mastercard Cardholders simply need to visit the company's Mastercard ID Theft Protection website and enter their card number to sign up for the service.

Read our full Mastercard ID Theft Protection review to learn more.

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The Good

  • No Additional Cost to Members
  • Identity Protection Services
  • Generali Global Assistance-Powered Service
  • Pre-Existing Conditions Resolution 

No Additional Cost to Members

MasterCard's identity protection services are free for existing Mastercard cardholders. Additionally, as mentioned above, the company's services are also available to small business owners who reside in the United States. 

Identity Protection Services

The identity theft package offered by MasterCard includes lost wallet replacement, in-depth identity theft and fraud resolution services, and identity theft alerts notifying customers of threats to their credit and debit cards, social security numbers, driver's licenses, and other personal information.

Users can get credit monitoring alerts via email or SMS and can view all alerts through their online dashboard. 

Generali Global Assistance-Powered Service

According to the company's website, GGA began offering identity theft protection services in 2003 and is currently one of the largest "private-label" identity theft protection service providers in the United States. 

Pre-Existing Conditions Resolution 

Unlike several identity theft protection services, the Mastercard ID Theft Protection service includes pre-existing condition resolution. This means that users who have experienced any identity theft incidents before activating the Mastercard ID Theft Protection service will be able to receive help from the company's resolution specialists in resolving any issues relating to the previous theft(s)that occurred.  

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The Bad

  • Lack of Services
  • Single-Bureau Monitoring 

Lack of Services

MasterCard's identity protection service does have a few holes. The company does not appear to offer  identity theft insurance; or criminal and tax identity recovery services. 

Single-Bureau Monitoring 

It appears that cardholders who choose to activate the company's identity theft protection service will only be able to obtain single-bureau (TransUnion) credit monitoring services. Although TransUnion is a major credit bureau, many other identity theft protection companies offer multiple credit bureau monitoring services. 

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The Bottom Line

MasterCard has partnered with GGA to provide its cardholders with free identity protection services. With this identity protection service, users are given 24/7 access to U.S.-based certified identity theft resolution specialists, an online dashboard, fraud alert notifications, and more.

The company's service also includes the resolution of pre-existing identity theft conditions, which is rare to see within the industry. Mastercard ID Theft Protection services also include medical identity theft assistance, credit or security freeze services, and identity theft affidavit assistance.

Unfortunately, the Mastercard ID Theft Protection service seems somewhat limited in comparison to what other companies in the industry have to offer. Additionally, those who sign up for the Mastercard ID Theft Protection service will only be able to receive single-bureau credit monitoring services.

If you are a current Mastercard cardholder, this service may be a great, free identity theft protection service for you. However, if you are not a current cardholder and do not have any interest in becoming one, you may want to look elsewhere for identity theft protection services. 

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7 Reviews

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Michelle Crane Phoenix, AZ

The best part about mastercard id protection is that it is available for any mastercard holder at no additional charge! You can go to their website and enroll and they will monitor your card 24/7 and alert you if there is any suspicious activity. This has really offered peace of mind being a mastercard user because it will alert my phone if anyone uses my card for a purchase that they don't think was me.

3 weeks ago

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Gary Sorrento, FL

My wife and I each have our own Mastercard Apple credit card account. We feel extremely confident and safe using the card at any retail store that accepts Apple Pay, as well as doing on-line purchase using the Mastercard. The card system is very well protected when signing on and when using, and the actual account numbers are not visible on the card. We both are extremely confident using the Mastercard that Apple offers because Apple products and services have earned a great and feel-safe reputation. My wife and I both have the same feeling with Mastercard!

2 months ago

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Debra Cook Edmonton, AB

I feel "safe" knowing that if somehow my MasterCard is lost or stolen, MasterCard is just a phone call away. When I did lose my card, it was a relatively simple process to breathe easy once again as they handled it with respect and also rapidity. Knowing that anyone could "tap" the card, I was VERY concerned when I lost it.

2 months ago

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Jlbfla New Braunfels, TX

Included with my card. Have had no problems. Easy sign up. Easy to access your information. Feel comfortable with this protection. Good customer service.

2 months ago

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B LA

A good experience with their representatives ,which resulted in a sizeable stoppage of payment

3 weeks ago

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Tori State of Mind Naples, FL

The ease of quickly checking in on my SS and credit score from the app helps make me feel secure about my identity and safety.

2 months ago

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Rischelle Mikkelson American Fork, UT

MasterCard has some of the best ID Protection in the business. They run a monthly report checking for any suspicious activity. When suspicious activity is detected, they alert me immediately to verify. They have caught several attempts to steal my identify and stopped it in it's tracks.

2 years ago