MasterCard® Zero Liability

Protecting you against unauthorized purchases

Have peace of mind knowing your card issuer won't hold you responsible for unauthorized purchases.

As a MasterCard cardholder your card issuer won't hold you liable in the event of an unauthorized use of your U.S.-issued MasterCard card. This coverage extends to purchases made in a store, over the telephone, or online.

Zero Liability is provided under the following conditions:

  • Your account is in good standing.
  • You have exercised reasonable care in safeguarding your card.
  • You have not reported two or more unauthorized events in the past 12 months.

What to do if...

If you suspect unauthorized activity on your account, stop using your card and contact the bank that issued your MasterCard card as soon as possible. Your Account Information

* Zero Liability does not apply to MasterCard-branded cards issued
  • to an entity other than a natural person or primarily for business, commercial, or agricultural purposes, except the following card programs for small businesses:
    • Debit MasterCard BusinessCard® Card
    • MasterCard BusinessCard® Card
    • MasterCard Executive BusinessCard® Card
    • MasterCard® Professional Card
    • MasterCard® Small Business Multi Card
  • outside of the U.S. region, or
  • if a PIN is used as the cardholder verification method for the unauthorized transaction(s).