Benefit terms and conditions
MASTERCARD BENEFIT ENQUIRIES
Call 1-800-MASTERCARD (+1 800 627 8372) for assistance or questions. If you're calling from outside the United States, you can also reach us at ++1 636 722 7111.
Availability of insurance benefits on your card may vary by card issuer. Please refer to your issuing financial institution for complete insurance benefit coverage terms, conditions and exclusions.
1. Begins 1 September 2025 and ends 31 January 2027, subject to early termination. Eligible U.S. Mastercard® small business credit cardholders and U.S. Mastercard® small business debit cardholders who are new Instacart+ subscribers can receive 3 months of free Instacart+. Eligible U.S. Mastercard® small business credit cardholders who are new or existing Instacart+ customers and all U.S. Mastercard® small business debit cardholders who are new to Instacart+ as of 1 September 2025 can receive $20 off on their second qualifying order of $10 or more, each month. Must have an active Instacart+ membership paid for with an eligible card and complete one qualifying Instacart order each month. Service fees, other fees, taxes and/or tips may apply to deliveries. By redeeming this offer, you agree to the Instacart+ terms and if you select a paid plan, your Instacart+ membership will auto-renew and the applicable membership fee will be billed automatically to any payment method on file until you cancel. Additional terms apply, please visit instacart.com/mastercard-business. ↩
2. This offer is valid from 1 June 2024, through 30 November 2027. Each Luminary customer who uses an U.S.-issued Mastercard Small Business credit card (Eligible Mastercard Card) to purchase any annual or monthly Luminary Membership plan on the Luminary website during the offer period, whether for the first time, as an upgrade or at renewal, will receive a 30% discount off the total price of such annual or monthly membership. This offer excludes digital wallet payments. This offer cannot be combined with any other discount or coupon. During the offer period, your discounted membership is set to automatically renew at the end of the membership year or month. Your membership will automatically renew at the then-current annual or monthly membership price with the 30% discount applied so long as your card on file is still an Eligible Mastercard Card. However, if you change(d) your card on file to a non-Eligible Mastercard Card or other credit card type, you will not receive the 30% discount at the time of renewal. You will have the option to update your payment method before your membership automatically renews. If your discounted membership is scheduled to expire after the offer period, then your membership will expire at the end of its term unless you elect to renew at the then-current annual or monthly membership price. If a member would like to cancel or change their membership they can do this in the Member portal or by emailing info@weareluminary.com seven (7) working days prior to the next billing cycle. Luminary does NOT offer refunds if you are charged and then want to change or cancel your membership plan. By redeeming this offer, you agree to the full Luminary terms; see additional terms that apply here. Offer is subject to change without notice. For full offer terms and conditions, please visit here. ↩
3. See QuickBooks Online and QuickBooks Online Payroll offer terms and conditions at https://quickbooks.intuit.com/partners/mastercard/. Offer available to new customers only. Terms, conditions, pricing, special features and service and support options subject to change without notice. ↩
4. As the leader in tax preparation, more federal returns are prepared with TurboTax than any other tax preparation provider. Visit https://turbotax.com/affiliate/mastercard1 for TurboTax product guarantees and other important information. Limited time offer for TurboTax applicable current tax year. Discount applies to TurboTax federal products only. Terms, conditions, features, availability, pricing, fees, service and support options subject to change without notice. Intuit, TurboTax and TurboTax Online, among others, are registered trademarks and/or service marks of Intuit Inc. in the United States and other countries. ↩
5. For each new Microsoft Advertising customer, a credit of $300.00 will automatically be applied to the customer’s Microsoft Advertising account once such customer has spent $150.00 on Microsoft Advertising using a Mastercard Small Business Credit, Debit or Prepaid card. The $300.00 credit will be applied to each participating customer’s Microsoft Advertising account after such customer has spent $150.00 in accordance with the Offer terms. Additionally, the $300.00 credit must be redeemed within 90 days of award. Valid in the U.S., including its territories and possessions, for new customers only. A new customer is a customer that has not had an active Microsoft Advertising account before. ↩
6. HealthLock is an end‑to‑end analytics‑driven platform that helps protect cardholders’ medical identities and data and monitors their medical claims for errors, fraud and overbilling. HealthLock provides three plan levels:
- Medical Claim Monitor: Helps guard against medical fraud and privacy intrusions by monitoring medical data breaches, providing alerts and helping remediate medical fraud issues.
- Medical Claim Auditor: Organises, tracks and audits all healthcare bills (24‑month retroactive audit and ongoing auditing) in one place, verifying that all bills are accurate and identifying potential overcharges and insurance errors. This level includes everything from the previous plan.
- Medical Claim Saver: Provides access to medical bill negotiation with providers and insurance companies to potentially help reduce bills and reverse claim rejections. This level includes everything from the previous plan.
Enrolled users receive, at no cost, Medical Claim Monitor, plus a premium upgrade to Medical Claim Saver for the first 90 days. After 90 days, users will continue to receive Medical Claim Monitor at no monthly cost and have the option to continue with Medical Claim Auditor for $4.99 per month or Medical Claim Saver for $19.99 per month. See full terms here. ↩
7. Certain terms, conditions and exclusions apply. Cardholders need to register for this service. This service is provided by Iris® Powered by Generali. Please see your guide to benefits for details or call 1-800-MASTERCARD. ↩
8. Conditions and exceptions apply. Learn more about Zero Liability. ↩
9. Provided by New Hampshire Insurance Company, an AIG Company. ↩
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