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Capital One
®
Mastercard
Guide to Benefits
Important information. Please read and save.
This Guide to Benefits contains detailed information about
the benefits you can access as a preferred cardholder.
This Guide supersedes any Guide or program description
you may have received earlier.
For more information on any of these services, call the
Mastercard Assistance Center at 1-877-288-6784
,
or en Español: 1-800-633-4466.
“Card” refers to Capital One Mastercard
®
card and
“Cardholder”refers to this Capital One Mastercard
®
cardholder.
Table of Contents
Mastercard Digital Merchant Offers........................................2
Mastercard ID Theft Protection™........................................2-3
Mastercard Travel & Lifestyle Services.....................................3
Concierge Service.............................................................3-4
Mastercard Global Service....................................................4
Mastercard Airport Concierge™.............................................4
Account and Billing Information............................................4
To file a claim, call 1-877-288-6784,
or en Español: 1-800-633-4466.
Visit our Web site at www.mastercard.com.
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Mastercard Digital Merchant Offers
Program Description:
Enjoy exclusive offers with popular digital brands on every
day, time-saving products and services.
Eligibility:
To be eligible for these offers, you must be a cardholder who
holds a World Elite Mastercard Credit Card issued by a U.S.
financial institution.
How to Use the Offers:
Visit www.mastercard.us/worldeliteoffers for information on
how to avail the offers.
Terms & Conditions:
Visit www.mastercard.us/worldeliteoffers for a full list of
current digital merchant offers and applicable terms &
conditions.
Mastercard ID Theft Protection
TM
Program Description:
Mastercard ID Theft Protection alerts you to possible
identity theft by monitoring the surface, dark and deep
web, searching for compromised credentials and potentially
damaging use of your registered personal information. It also
provides you with resolution services should you find yourself
a victim of identity theft.
Eligibility:
All Mastercard consumer credit cardholders in the US are
eligible for this coverage. Enrollment is required.
Service Provider:
ID Theft Protection is provided by Generali Global Assistance,
Inc. More information about this service provider is available
at: https://mastercardus.idprotectiononline.com/.
Access:
To receive ID Theft Protection, you must enroll at:
https://mastercardus.idprotectiononline.com/. ID Theft
Protection is provided on a 24-hour basis, 365 days a year.
Contact 1-877-288-6784 if you believe you have been a
victim of identity theft.
Charges:
There is no charge for ID Theft Protection, it is provided by
your financial institution.
Program Provisions for Mastercard ID Theft
Protection:
To receive ID Theft Protection, you must enroll as described
above and such benefits related to ID Theft Protection accrue
as of the date of enrollment. Mastercard ID Theft Protection is
governed by the terms provided in this Guide to Benefits and
the Terms and Conditions and Terms of Service available at:
https://mastercardus.idprotectiononline.com/.
The terms and conditions contained in this Guide to Benefits
may be modified by subsequent mailings, statement inserts,
or statement messages. Mastercard or your financial
institution can cancel or non-renew these services, and if we
do, we will notify you at least thirty (30) days in advance. If
the provider non-renews or cancels any services provided
to eligible Mastercard cardholders, you will be notified
within 30–120 days before the expiration of the service
agreement. In the event substantially similar service takes
effect without interruption, no such notice is necessary.
For general questions regarding these services, please
contact 1-877-288-6784 or please see https://mastercardus.
idprotectiononline.com/.
ID Theft Protection Services Provided:
1. DETECT POTENTIAL IDENTITY AND FRAUD THREATS
Personally Identifiable Information (PII)
Compromised Credentials monitors for a combination of email
address /username /password /security questions located
within:
• Hacker account dump sites
• Hacktivist forums
• Data leaks
• Malware logs
Alerts are sent with event details, also listed within resolution
console and most often includes source of breach (from
where the data was harvested).
High-Risk Transactions monitors a Consumer’s high-risk
transactions with more than 300 of the nation’s largest
companies to uncover and thwart account takeover attempts.
Knowledge-Based Authentication (questions only an individual
should know about themselves such as what street they lived
on in 2009) used by organizations across industries limits
the risk of identity theft or account takeover. Alerts are sent
when a series of knowledge-based authentication questions
are generated to validate the Consumer’s identity (i.e. when
accessing a credit report). Monitored transactions include:
• Credit cards
• Bank accounts
• Brokerage accounts
• Healthcare portals
• Workplace intranets
• Other services (e.g. peer-to-peer fund transfers)
Dark Web Monitoring provides monitoring of underground
web pages people can visit without third parties being able
to trace the location of the web visitors or the web page
publisher. Dark web sites make up about .01% of the Internet
and are intentionally hidden or protected by encryption
technologies and not accessible via standard web browsers.
Credit Information
Single Bureau Credit Monitoring monitors a Consumer’s
TransUnion credit file for changes that could indicate fraud
such as new credit inquiries, an address change or new
credit account(s) opened in their name. In order to use this
service, Consumers must provide some personal information,
such as name, address, date of birth, and SSN, and undergo
either digital verification via text or knowledge-based
authentication. ID Theft Protection sends alert notification
emails, such as change of address alerts, anytime potentially
unauthorized inquiries or suspicious activities on Consumer’s
credit file are detected so they can take immediate action to
minimize damage.
Additional Information
Small Business ID Theft Protection upgrades ID Theft
Protection identity monitoring services by adding URL and
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Domain monitoring to the existing list of monitored items.
URL and Domain monitoring searches for the Consumer’s
business URL and domain (limited to 10 domains) within
corporate data breaches, malicious third-party botnets and
criminal forums.
2. RECEIVE ALERTS OF SUSPICIOUS ACTIVITY
• Email Addresses
• Debit/Credit Cards
• Loyalty/Affinity Cards
• Bank Account Numbers
• Passport Numbers
• Medical and Vehicle Insurance Cards
• Drivers Licenses
• National Identity Numbers/Social Security Numbers
• New Lines of Credit
• Address Changes
3. RESOLVE IDENTITY THREATS WITH SELF-SERVICE
RESOLUTION OR SPECIALIST SUPPORT
Self-Service ID Theft Resolution Kit is a self-service resolution
document which informs Consumers of the different forms of
ID theft, and how to resolve each situation. Resolution tools in
the kit include preventive measures, step-by-step guides and
sample letters to be sent to collection agencies.
Access to Resolutions Specialists which assigns a personal
case manager to help take care of everything.
Self-Service ID Theft Wizard provides step-by-step advice for
many identity theft scenarios that Consumers may face. All
ID Theft Protection users have access to the Identity Theft
Protection Kit found in the Profile section of their portal,
which explains the many forms of identity theft and provides
protective measures anyone can take to limit their risk. The
kit also contains a Federal Trade Commission sample affidavit
form, as well as sample letter templates for filing disputes in
cases of identity theft or fraud.
Online Fraud Alerts allow Consumers to place a statement
on their credit report that instructs lenders to contact the
Consumer before issuing new credit. This makes it more
difficult for an identity thief to open new accounts in their
name. When Consumers place a fraud alert with one bureau,
the other two bureaus are informed, and the alert is then
placed on all three bureau files. Fraud alert placement is free,
and alerts stay on the Consumer credit files for one year.
Mastercard Travel & Lifestyle Services
As a World Elite Mastercard® cardholder, you have access
to Mastercard® Travel & Lifestyle Services, a suite of
benefits, amenities and upgrades, preferential treatment and
premium travel offers from best-in-class travel companies
across hotels, air travel, tours, cruises, car rentals and
more*. Get the most from all your travels whether you
are planning a last-minute getaway or your dream family
vacation. As a Mastercard® cardholder, you have access
to a lifestyle manager that will help you plan your vacation -
complimentary, at your convenience, 24 hours a day, 7 days
a week. Plus, take advantage of the Mastercard Lowest Hotel
Rate Guarantee** and Mastercard Hotel Stay Guarantee***
which deliver value and peace of mind.
* Travel & Lifestyle Services are provided by Ten Lifestyle
Group plc. No travel bookings are being made by
Mastercard, nor is Mastercard acting as a travel agency
or providing any travel consultation or advice, in
connection with Mastercard Travel & Lifestyle Services.
** Mastercard Lowest Hotel Rate Guarantee: If you
book a qualifying ‘prepaid hotel rate’ or ‘pay at local
hotel rate’ hotel stay through the Mastercard Travel &
Lifestyle Services program either online or through an
authorized program agent using your Mastercard and
then find the same hotel room type, in the same hotel,
for the same dates, the same number of children and
adults, at a lower price online, before taxes and fees,
we’ll refund you the difference. To receive a refund
you must submit a claim as described in the Terms &
Conditions prior to your stay and at least seventy-two
(72) hours before the date of your reservation check-in.
*** Mastercard Hotel Stay Guarantee: The Mastercard
Travel & Lifestyle Services Hotel Stay Guarantee is
simple – if you book your three star or higher hotel
stay through the Mastercard Travel & Lifestyle Services
program and you encounter problems with the hotel,
contact Ten Lifestyle Group plc, the designated travel
agent for the Mastercard Travel & Lifestyle Services
program at Toll free (US): +1 855 802 1387 during
your stay and a Ten lifestyle manager will attempt to
make it right for the remainder of your stay by working
directly with the hotel to try to resolve your issue or will
make efforts to find you comparable accommodations.
Certain terms, conditions and exclusions apply. This benefit
may be subject to change without prior notice. Please visit
http://travel.mastercard.com/product/terms for the latest
benefit information and terms & conditions.
Concierge Service
World Elite Mastercard® offers you the Mastercard Concierge
Service. Imagine your own Personal Assistant 24 x 7 x 365,
where knowledgeable experts can assist with whatever you
need, whenever you need it. This takes “Concierge Service”
to the next level with robust, personalized features that will
save you time and simplify your day, such as:
• Personal Profile to track preferences for travel, hotels,
dining, entertainment, special occasions – and even food
allergies.
• Local experts who can provide on-site assistance with
everyday household needs – like being there when the new
appliance is delivered, because you can’t be.
• Access to unique dining and entertainment venues to turn a
special occasion into a memorable experience.
• Reminder service for those dates or events that you can’t
afford to miss.
• Pre-trip planning services, providing you with critical
information in advance of your trip including: 10-day
weather forecast, travel requirements, city-specific news and
conditions, safety and security advisory, suggested packing
lists, pre-arranged confirmations for dining and other services,
top must-see attractions, fitness facilities, jogging paths and
recreation within close proximity of your hotel, etc.
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Let the Mastercard Concierge assist you today, so you can
have your day back! Our experts look forward to assisting you
at 1-877-288-6784.
Costs of any goods or services provided by the concierge will
be billed to your World Elite Mastercard.
This benefit may be subject to change without prior
notice. Please visit www.mastercard.us/worldelite or call
1-877-288-6784 for the latest benefit information.
Mastercard Global Service
Mastercard Global Service™ provides worldwide, 24-hour
assistance with Lost and Stolen Card Reporting, Emergency
Card Replacement, and Emergency Cash Advance.
Call Mastercard Global Service immediately to report your
card lost or stolen and to cancel the account. If you need to
make purchases or arrange for a cash advance, with your
issuer’s approval, you can receive a temporary card the next
day in the United States, and within two business days almost
everywhere else.
Remember, if you report your card lost or stolen, you will not
be responsible for any unauthorized transactions on your
account.
In the United States (including all 50 states, the District of
Columbia, the U.S. Virgin Islands, and Puerto Rico) and
Canada, call 1-800-307-7309.
When out-of-country and in need of assistance, you can
easily reach a specially trained Mastercard Global Service
Representative who can help you 24 hours a day, 365 days
a year, in any language. You can call toll-free from over 80
countries worldwide. Some of the key toll-free Mastercard
Global Service telephone numbers are:
Australia ...................1-800-120-113 Mexico ............... 001-800-307-7309
Austria .....................0800-070-6138 Netherlands .............0800-022-5821
France ......................0-800-90-1387 Poland ................. 0-0800-111-1211
Germany .................. 0800-819-1040 Portugal ..................... 800-8-11-272
Hungary ...................... 06800-12517 Spain ...........................900-97-1231
Ireland ......................1-800-55-7378 United Kingdom .........0800-96-4767
Italy .............................800-870-866 Virgin Islands ......... 1-800-307-7309
For additional information, or for country-specific, toll-free
telephone numbers not listed above, visit our website at www.
mastercard.com or call the United States collect at 1-636-
722-7111.
Account Information and Card Benefits:
When in the United States, contact your card issuer directly
for account information and 1-877-288-6784 for card
benefits. When traveling outside the U.S., call Mastercard
Global Service to access your card issuer for account
information or to access any of your card benefits.
ATM Locations:
Call 1-877-FINDATM (1-877-346-3286) to find the location
of a nearby ATM in the Mastercard ATM Network accepting
Mastercard®, Maestro®, and Cirrus® brands. Also, visit our
website at www.mastercard.com to use our ATM locator.
You can get cash at over two million ATMs worldwide.
To enable cash access, be sure you know your Personal
Identification Number (PIN) before you travel.
Mastercard Airport Concierge
TM
Your passport to the finer side of air travel.
Enjoy a 15% savings on Airport Meet and Greet services.
Arrange for a personal, dedicated Meet and Greet agent
to escort you through the airport on departure, arrival or
any connecting flights at over 700 destinations worldwide
24 hours a day, 7 days a week, 365 days a year. There are
also certain airports where you can be expedited through
the security and/or the immigration process. To reserve
Mastercard Airport Concierge services visit
www.mastercard.com/airportconcierge or consult your Travel
Advisor.
This benefit may be subject to change without prior
notice. Please visit www.mastercard.us/worldelite or call
1-877-288-6784 for the latest benefit information.
Account and Billing Information
Important: Contact your card-issuing financial institution
directly for questions concerning your account, such as
account balance, credit line, billing inquiries (including
transaction exchange rates), merchant disputes, or
information about additional services not described in this
Guide. Your financial institution’s phone number should be
available on your monthly billing statement or on the back of
your card.
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© 2021 Capital One
Capital One is a federally registered service mark.
All rights reserved.
Capital One, N.A., including its respective affiliates, is not responsible
for the products or services herein offered.
©2021 Mastercard.
