Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our opinions or reviews. Learn how we make money.

Learn your Mastercard’s security features

Multilayer security includes fraud monitoring and resolution if your ID is compromised.


Fact checked

Mastercard boasts that it’s the world’s fastest payment network, safely processing payments among banks and merchants. Banks and financial institutions issue each Mastercard in your wallet under their own safety regulations. But they’re all part of Mastercard’s multilayer security designed to help keep your card and account safe.

What security features come with Mastercard credit cards?

These are the main security features and services provided by Mastercard credit cards:

  • Chip technology. A chip is embedded inside each credit card to enhance payment security. This chip creates unique data with each new transaction, and it also makes counterfeiting much more difficult.
  • Zero liability policy. This policy protects you from unauthorised transactions made in stores, online, on your mobile device or over the phone. With reasonable care to protect your card against loss and theft and prompt reporting to your card provider, you aren’t liable for transactions at the hands of someone else.
  • Identity theft resolution. Get help resolving identity theft 24/7 at 800-307-7309 or 800-MASTERCARD. Its certified resolution specialists help you notify relevant credit bureaus to cancel your compromised card and arrange for a replacement.
  • SecureCode. Select card issuers offer this service that enhances the security of online transactions when you’re shopping at participating online stores. This extra step at checkout results in a code received by text that you enter before your purchase can be processed.
  • Tokenization. Translate chip technology into the online environment with this process that replaces your Mastercard account number with a unique token good for an online, mobile or contactless payments.

Are Mastercard’s contactless payments secure?

Mastercard contactless payment

Contactless payments come with encryption that is unique to every purchase. And since the card or your mobile device doesn’t leave your hand, it reduces the risk of loss or counterfeit. In case you tap twice by accident, Mastercard will make sure to bill you only once. This makes the payment method one of the safest ways to pay.

The most common contactless payment type in the US is the mobile payment. Smartphone technology and apps such as Google Wallet and Apple Pay allow contactless payments from your mobile phone or other smart devices. These methods are also covered by Mastercard’s zero liability policy and tokenization.

Other credit card security features

Security features offered by your credit card issuer can include a selection of features that include:

  • Chips and physical security. Your unique account number, three-digit CVV code, signature panel, hologram and account name work together to keep your card secure.
  • Fraud monitoring. Most card providers offer specialized teams that routinely monitor your account for fraud, reporting and investigating irregular transactions immediately. Many issuers also call or text to confirm it was you who swiped or dipped for a purchase.
  • Chargebacks. If you discover an error or suspicious charge on your statement or fail to receive the merchandise you’ve paid for, you can start an investigation on your behalf. Your card provider may initiate a dispute with a merchant to reverse the transaction.

Our pick for a Mastercard

Citi® Double Cash Card

  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Read less
Read more

Compare Mastercard credit cards

Data indicated here is updated regularly
Name Product Filter values Rewards Purchase APR Annual fee
Chase Freedom Flex℠
5% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases
0% intro for the first 15 months (then 14.99% to 23.74% variable)
Get up to 5% cashback in rotating and newly added everyday categories. The refreshed Freedom Flex card has lots of earning potential.
Citi® Diamond Preferred® Card
0% intro for the first 18 months (then 14.74% to 24.74% variable)
An impressive 18 months intro APR on balance transfers and purchases, as well as no annual fee make this one of the top 0% APR cards available.
Citi® Double Cash Card
Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
13.99% to 23.99% variable
Earn up to 2% on every purchase with no annual fee. This is the highest flat-rate cashback card on the market.
Luxury Card Mastercard® Titanium Card™
1x points on all purchases with 2% point value when you redeem for airfare and 1% for cash back
14.99% variable
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
Luxury Card Mastercard® Black Card™
1x points on all purchases with 2% point value when you redeem for airfare and 1.5% for cash back
14.99% variable
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.

Compare up to 4 providers

Bottom line

Mastercard adopts intelligent safeguards that protect your card, your purchases and your identity. If you lose your Mastercard credit card or notice something fishy on your account, contact your card issuer to report it. You aren’t held liable for unauthorized or fraudulent activity.

Find the best everyday, rewards or 0% intro APR option for your wallet and lifestyle by comparing credit cards on the market.

Pictures: Shutterstock/Getty Images

Back to top

More guides on Finder

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site