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What is Masterpass and how does it work?

Pay more conveniently at participating online retailers.


Fact checked

Once you’ve finished your online shopping, there’s still the checkout process to deal with. This step can be a bit annoying as you have to input information you’ve likely had to type out countless times — such as your shipping address and payment details.

Masterpass gives you a way around that hassle, letting you pay quickly at participating retailers with just your email or phone number and a password.

What is Masterpass?

Masterpass is a digital wallet from Mastercard that lets you check out faster at eligible online retailers. To use it, you’ll need an account at the Masterpass website with information such as your card details and shipping address. Then, use the account for payments by simply logging in.

Despite its name, Masterpass is compatible with more than simply Mastercard products. You can also add most credit, debit and prepaid cards from Visa, American Express, Discover and Diners Club.

What are the fees to use Masterpass?

While Mastercard has stopped accepting new signups for Masterpass, there was no signup fee. If you currently have the service, there are zero fees associated to use it.

How Masterpass works

Here’s some essential information on Masterpass and how to use it at participating retailers.

How do I sign up for Masterpass?

Signing up for Masterpass is simple. Here’s how it works:

  1. Visit
  2. Fill out the New User form with your personal and credit card info.
  3. Follow the prompts.
  4. Visit participating merchants and select Masterpass at check out.

What sets Masterpass apart?

Masterpass is very similar to Visa Checkout — it lets you add credit and debit cards from a variety of networks. In that sense, it has an advantage over Amex Express Checkout, which lets you use Amex cards only.

How do I use Masterpass online?

Look for the Masterpass logo when checking out at a participating retailer. Then enter the email or mobile number associated with your Masterpass account, along with your password.

You’ll see your credit card information and shipping address. Verify your details are correct, then finalize your transaction.

Masterpass online form

Where can I use Masterpass?

These are the participating retailers featured on the Masterpass website:

  • Ann Taylor
  • Avis
  • Barnes & Noble
  • Bass Pro Shops
  • BJ’s Wholesale Club
  • Brooks Brothers
  • Budget
  • Crate & Barrel
  • Dunkin’ Donuts
  • eBags
  • Expedia
  • Fandango
  • FreshDirect
  • JetBlue
  • Kmart
  • Kohl’s
  • Loft
  • Shop
  • Neiman Marcus
  • Newegg
  • Office Depot/Office Max
  • ParkMobile
  • PGA Tour Superstore
  • Saks Fifth Avenue
  • Sears
  • Shutterfly
  • Subway
  • United Airlines
  • Walgreens
  • Walmart

Compare credit cards to use with Masterpass

You might have a credit card already, but consider looking at other cards to see if you have the best one for you. Here are a few picks we highly recommend.

Name Product Filter values Rewards Purchase APR Annual fee
Blue Cash Preferred® Card from American Express
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases
0% intro for the first 12 months (then 13.99% to 23.99% variable)
$0 intro annual fee for the first year ($95 thereafter)
Perfect for families: Get up to 6% on everyday purchases and a welcome offer worth $300. This heavy-hitter rewards card has uncontested value. Rates & fees
Blue Cash Everyday® Card from American Express
20% at up to $200 back in the first 6 months, 2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases
0% intro for the first 15 months (then 13.99% to 23.99% variable)
This everyday cashback card is ideal for Black Friday and holiday shopping with 20% back at up to $200 back in the first 6 months. Rates & fees
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.
Chase Sapphire Preferred® Card
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
15.99% to 22.99% variable
Earn a signup bonus worth $750 with this popular travel card. Combine with other Chase Ultimate Rewards cards for even greater value.
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.

Compare up to 4 providers

Bottom line

Masterpass can make online shopping more convenient so you don’t have to input information such as your payment details and shipping address. Add the right credit cards to your account, and you can easily pay for purchases at a variety of retailers.

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