Learn your Mastercard’s security features

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

Last updated:

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

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:mastercard cc logo

  • 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 Rewards+℠ Card

  • The Citi Rewards+℠ Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
  • 0% intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 14.99% - 24.99%, based on your creditworthiness.
  • Earn 2x ThankYou® Points at supermarkets and gas stations for the first $6,000 per year and then 1x points thereafter. Plus, earn 1x points on all other purchases.
  • The standard variable APR for Citi Flex Plan is 14.99% - 24.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.
Read less
Read more

Compare Mastercard credit cards

Updated January 28th, 2020
Name Product Filter values Rewards Purchase APR Annual fee
Citi Rewards+℠ Card
Earn 2x points at supermarkets and gas stations on up to $6,000 annually, then 1x points after that and on all other purchases
0% intro for the first 15 months (then 14.99% to 24.99% variable)
The only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
CardMatch™ from creditcards.com
See terms
See issuer's website
See terms
Can't decide on a card? Get personalized credit card offers with CardMatch™.
Capital One® Secured Mastercard®
26.74% variable
Get access to a higher credit line after making your first 5 monthly payments on time.
Luxury Card Mastercard® Black Card™
1.5x points on all purchases with 2% point value when you redeem for airfare and 1.5% for cash back
16.49% variable
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
Capital One® Platinum Credit Card
26.74% variable
A no-annual-fee card for average credit. Earn a higher credit line after five on-time payments.

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

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com 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

Finder.com 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 finder.com 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