The Program is a benefit for eligible Mastercard cardholders (“Cardholders”). Mastercard Local offers a range of exclusive statement credit offers to eligible Mastercard credit and debit card cardholders. Simply pay with an eligible Mastercard at a participating local merchant and receive a 2% statement credit. To make a qualifying transaction, you must make a purchase at an enrolled merchant using your eligible Mastercard credit or debit card. Your card must be in good standing at the time of the transaction to be eligible to receive the statement credit. For each eligible transaction, you will receive a 2% statement credit per transaction. Eligible Mastercard cardholders do not need to enroll or register with the Program as your participating financial institution will handle that process. For a list of participating banks or credit unions, see mastercard.com/local or contact the bank or credit union that issued your card to see if your card is eligible. Each Offer may have additional terms and conditions which are available at mastercard.com/local.
The statement credit will be posted to your enrolled eligible card within 72 hours. However, it may take some time for the value of the award to be credited to your account with the exact timeframe being dependent on your financial institution. If you do not receive your statement credit, please contact your financial institution within 30 days of the transaction date. Statement credits may constitute taxable income to you. Compliance with any applicable tax requirements is your responsibility. Statement credits cannot be processed if your eligible Mastercard expires or changes while statement credit is pending and not settled, or your eligible Mastercard is not open or in good standing. Mastercard is not responsible for any finance or other charge, or impact on any rewards, feature, or term of your account resulting from the statement credit; your Eligible Mastercard issuer is responsible for all such charges or impacts.
You may not, in using the Site (a) gain or attempt to gain unauthorized access to Mastercard’s services or systems; (b) use or attempt to use Mastercard’s services or systems in any manner that is not expressly authorized by Mastercard (c) disrupt, damage, or impede the operations of Mastercard’s services or systems; or (d) circumvent or attempt to circumvent Mastercard’s security mechanisms.
We are granting you a limited, nonexclusive, revocable license for you to view, share, print or download any Content, as defined below, from the Site for your own personal use. You are not granted the right to license, republish, distribute, copy, assign, sublicense, transfer, sell, prepare of derivative works or other non-personal use any Content on the Site. No part of any Content may be reproduced in any form or incorporated into any information retrieval system, electronic or mechanical, other than for your personal use. You may not access or use the Site in any way that could or is intended to damage or impair the Site, or any server or network underlying the Site, or interfere with anyone else's use and enjoyment of the Site. You are also granted a limited, revocable, and nonexclusive right to create a hyperlink to the Site or its any Content therein so long as the link does not portray Mastercard, or its products or services in a false, misleading, derogatory, or otherwise offensive matter or imply a sponsorship or endorsement of your site, page, or content by Mastercard.
You may not use automated systems (e.g., robots, spiders, etc.) to access the Site. You agree not to collect personally identifiable information of other users of the Site or to sell or otherwise exploit that information. Except for the limited rights expressly granted herein, all right, title and interest in and to the Site and all Content contained therein are reserved and owned by Mastercard.
Fraud, misrepresentation, abuse, or violation of any applicable rules (including, but not limited to, these Term of Use) is subject to administrative and/or legal action by appropriate governmental authorities and Mastercard. Such action may include, without limitation, the forfeiture of certain or all statement credits issued under the Program, as well as prohibition of your future participation in the Program. In addition, Mastercard reserves the right to take any appropriate legal action to recover damages and other remedies, including its attorneys’ fees incurred in prosecuting any lawsuit against you.
The Offers are subject to certain terms and conditions for each Offer and may change at any time without notice to you. Offers are provided by third parties. You acknowledge that inclusion of an Offer on the Site or in the Program does not represent any approval, endorsement, or warranty by Mastercard of the third party that provided such Offer or their products or services. Mastercard will not be liable for any loss or damage incurred as a result of any interaction between you and a third party with respect to such Offers nor is Mastercard responsible for any products or services you purchase in connection with an Offer.
In no event shall Mastercard constitute or be considered as maintaining any type of financial obligation or deposit or other asset account, or holding funds or other value for you for distribution to you. Any pending statement credits and any associated dollar values represent offer fulfillment amounts in process owed by the merchant, and not your funds or balances maintained or held by a Mastercard.
The Site Content is protected by applicable intellectual property laws and all right, title and interest in the Content is owned by Mastercard or used by Mastercard under a license or with permission. All text, formatting (including without limitation the selection, coordination and arrangement of materials on the Site, and the images, graphics, animation, tools, widgets, applications, commercials, videos, music, sounds, articles, copy, creative materials, photos, trademarks, service marks, trade names, and logos, and other materials and information on this Site are subject to the intellectual property rights of Mastercard, its subsidiaries and affiliates, and their respective licensors and licensees (collectively "Content"). These materials may not be copied, reverse engineered, decompiled, disassembled, modified, reposted to other web sites, framed, deep linked to, changed, or otherwise distributed, redistributed, licensed, sublicensed or transferred in any form by you. Nothing contained on the Site shall be construed as granting, by implication, estoppel or otherwise, any license or right to make commercial use of any Mastercard Content without Mastercard's prior written permission. The trademarks, logos, trade names and service marks, whether registered or unregistered (collectively the "Trademarks") displayed on the Mastercard Site are Trademarks of Mastercard and its third party merchant partners. Nothing contained on the Mastercard Site should be construed as granting by implication or otherwise, any license or right to use any Trademark displayed on the Mastercard Site without the written permission of Mastercard or such third party that may own the Trademark.
Any unauthorized commercial use of these materials will violate Mastercard's intellectual property rights and will be subject to Mastercard's full legal rights and remedies.
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While Mastercard will use reasonable efforts to ensure that all material on this Site is correct; however, accuracy cannot be guaranteed and Mastercard does not assume any responsibility or liability for the accuracy, completeness or authenticity of any information contained in this Site. THE SITE, THE PROGRAM, THE OFFERS AND ALL CONTENT CONTAINED HEREIN ARE PROVIDED TO YOU "AS IS," AND "AS AVAILABLE," AND ALL WARRANTIES, EXPRESS OR IMPLIED, ARE HEREBY DISCLAIMED, INCLUDING ANY WARRANTY OF MERCHANTABILITY, TITLE/NON-INFRINGEMENT, QUALITY OF INFORMATION, OR FITNESS FOR A PARTICULAR PURPOSE. NO INFORMATION OBTAINED BY YOU FROM MASTERCARD THROUGH THE SITE SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED HEREIN. WITHOUT LIMITATION, MASTERCARD DISCLAIMS ALL WARRANTIES REGARDING THE AVAILABILITY OF THE SITE, THAT THE SITE WILL OPERATE ERROR-FREE, THAT THE OFFER TERMS AND CONDITIONS OR DETAILS ARE ACCURATE, THAT DEFECTS WILL BE CORRECTED OR THAT THE SITE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. YOUR USE OF THIS SITE IS AT YOUR OWN RISK, ANY CONTENT DOWNLOADED OR OTHERWISE OBTAINED THROUGH THIS SITE IS PROVIDED AT YOUR OWN RISK, AND YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR ANY DATA LOSS THAT MAY RESULT FROM YOUR USE OF THE SITE, INCLUDING WITHOUT LIMITATION, DAMAGE RESULTING FROM COMPUTER VIRUSES. PLEASE NOTE THAT SOME JURISDICTIONS MAY NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.
IN NO EVENT SHALL MASTERCARD, ITS BUSINESS PARTNERS OR THEIR RESPECTIVE AFFILIATES BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, PUNITIVE, EXEMPLARY, CONSEQUENTIAL OR OTHER DAMAGES WHATSOEVER, INCLUDING BUT NOT LIMITED TO PROPERTY DAMAGE, LOSS OF USE, LOSS OF BUSINESS, ECONOMIC LOSS, LOSS OF DATA OR LOSS OF PROFITS, WITHOUT REGARD TO THE FORM OF ACTION (INCLUDING BUT NOT LIMITED TO CONTRACT, NEGLIGENCE, OR OTHER TORTIOUS ACTIONS) ARISING OUT OF OR IN CONNECTION WITH YOUR USE OR ACCESS OF THE SITE, OFFERS OR ITS CONTENT, EVEN IF MASTERCARD OR ITS BUSINESS PARTNERS, EMPLOYEES, REPRESENTATIVES OR AFFILIATES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE OR LOSS. IN NO EVENT SHALL MASTERCARD'S TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION, WHETHER IN CONTRACT, TORT (INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE), OR OTHERWISE EXCEED THE AMOUNT PAID BY YOU, IF ANY, OR FIVE HUNDRED DOLLARS ($500) (WHICHEVER IS LESSER), FOR ACCESSING OR PARTICIPATING IN ANY ACTIVITY RELATED TO THE SITE. APPLICABLE LAW MAY NOT ALLOW THE LIMITATION OR EXCLUSION OF CERTAIN LIABILITY OR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU.
Without limiting the foregoing, we are not responsible for any errors in the Offer details or terms and conditions, any card account fees or penalties that you incur on your Mastercard card as a result of your use of the Program or an Offer, including fees and penalties that may result from reversals. Any tax liability resulting from your participation in the Program or redemption of an Offer shall be your sole responsibility, and not our responsibility or the responsibility of a Merchant, Mastercard or the financial institution that issued your Mastercard card. Merchants or your issuing financial institution may report information regarding the Program and your participation in it to tax authorities. Merchants and your issuing financial institution may not vary these terms as applied to the relationship between you and us and may not make any commitments that are binding on us.
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Revised October 22, 2021
For cardholder support and inquiries related to Mastercard Local, please contact your bank. They will assist you with:
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