MasterCard USA

By: EconomyWatch   Date: 6 October 2010

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EconomyWatch

The core Content Team our economy, industry, investing and personal finance reference articles.

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MasterCard USA offers maximum protection against unauthorized card purchases. It also boasts of worldwide acceptance and is issued by Household bank, Capital One, Orchard bank, Citibank and Chase. MasterCard USA offers the ultimate in financial freedom, with a low interest rate, multiple travel and accident insurance covers, savings offers and 24/7 customer support.

Features and Benefits of MasterCard USA

The features and benefits that are extended by MasterCard USA depend on the policy of the issuing financial institution. Some of the common features are:

Standard Master Card

  • Opening APR of as low as 7.9% 
  • Inaugural 0% APR, offered by some issuers 
  • Global acceptance 
  • Zero liability on fraudulent or unauthorized card transactions
  • Worldwide emergency customer service, lost and stolen card reporting, card replacement and cash advances
  • Round-the-clock assistance to locate ATMs
  • PayPass compatibility

Gold and Platinum MasterCard

Both these credit cards extend a variety of travel (Travel Plus), accident (Rent & Repair, Rent & Save) and shopping (Shop & Go, Smart Shopper and Value Shopper) related schemes.

The Gold MasterCard is offered by Capital One (APR of 16.9%) and Chase (APR of Prime +5.99%). The Platinum MasterCard is issued by Household Bank (APR of 7.9%), Capital One (APR of 10.9%), Orchard bank (APR of 7.9%) and Chase (APR of prime +5.99%).

World MasterCard

No pre-determined spending limit.

  • Identity theft resolution services.
  • Automatic travel accident insurance.
  • Trip interruption insurance.
  • Car rental insurance.
  • Extended warranty.

World Elite MasterCard

In addition to the above mentioned features, the World Elite MasterCard also includes

Lost or damaged luggage insurance

  • Roadside assistance service
  • Purchase assurance
  • Personal travel consultant
  • Concierge service

Restrictions of MasterCard USA

Cardholders can take advantage of ‘Zero Liability’ protection if they have a good credit rating and a reliable track record. All the benefits that are extended by MasterCard can be cancelled by the issuer with a 60-day notice in advance.

How to apply for MasterCard USA

US residents, who have reached the legal age of adulthood as per the jurisdiction of the respective states and have a good credit history, can apply at the official websites or offices of the various issuers.

‘MasterCard US’ is the official trademark of MasterCard International, who can be found at www.mastercard.com.

More MasterCard resources on EconomyWatch:

ATM Mastercard

Mastercard Application

Mastercard Gift Card

Mastercard Rewards

Secured Mastercard


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