Protecting you against unauthorized purchases
Have peace of mind knowing Card of America™ won't hold you responsible for unauthorized purchases.
As a MasterCard cardholder, Card of America™ 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 Card of America™ as soon as possible.
* Zero Liability does not apply to the MasterCard® card.
- 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).
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