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 5% statement credit.

Individual Mastercard cardholders do not need to enroll or register for the program. Participating local banks and credit unions will handle that process directly with Mastercard. Visit or contact your issuing local bank or credit union to see if they participate in the program.

Both Mastercard credit and debit cards are eligible for the program, but some exclusions may apply depending on the local bank or credit union’s participation in the program. For example, statement credits may only apply to signature-based transactions – therefore PIN-based debit transactions may not be eligible. Please contact your issuing local bank or credit union to determine which transactions qualify. Once an eligible transaction is made, statement credits will be processed automatically.

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 purchase to be eligible to receive the statement credit. For each eligible transaction, you will receive a 5% statement credit per transaction.

Some offers may be subject to certain terms and conditions and may change at any time without notice to you. The offer terms are provided on the Mastercard Local website at Here you can also find a full list of participating merchants by selecting your local bank or credit union on the home page.

Mastercard will not be liable for any loss or damage incurred as a result of any interaction between you and a merchant with respect to this promotion. Except as set forth herein, all matters, including but not limited to delivery of goods and services, returns, and warranties are solely and strictly between you and the applicable merchants. You acknowledge that Mastercard does not endorse or warrant the merchants that are accessible through the Mastercard site nor the offers that they provide.

Purchases submitted by you, an enrolled cardholder, or the merchant through third-party payment accounts, mobile or wireless card readers, online or mobile digital wallets, or similar technology may not qualify if the technology is not set up to process the purchase in a way that specifically identifies the enrolled merchant. Other restrictions may apply based on your local bank or credit union’s individual terms and conditions.

This promotion is available to US cardholders with credit or debit cards issued by select local banks or credit unions.

The 5% statement credit is scheduled to run for a period of 6 months from the time of launch, but without notice to you, may be terminated at any time or extended indefinitely at Mastercard’s sole discretion. Offer quantities may be limited.

Additional restrictions may apply without notice to you in accordance with Mastercard’s policies.

Visit to find a full list of participating merchants by selecting your local bank or credit union on the home page. This will direct you to a map/grid with all the available offers in your local bank or credit union’s state.

From there you can modify your search by city, category, and merchants. To go back to view of all offers in a state, select ‘Clear filters’.

Additionally, if you plan to travel outside of your local area, you can also search other states where offers are currently available. Please check back as additional merchants and offers will become available and as the program expands to new markets.

For all offers that are specified as “spend in-store,” you need to make a purchase at the participating merchant’s location to be eligible for the offer. However, for offers that include online purchases, you can qualify for the offer when you make an online purchase using an eligible Mastercard at a participating merchant’s website if the transaction meets all applicable advertised terms and conditions.

The statement credit is processed automatically if you (eligible cardholder) have followed the terms and conditions of the offer. Each statement credit will include an identifier such as “MALocal” in the description on your card statement.

Your accounts must be open and in good standing at the time of purchase to receive the statement credit. The statement credit will be awarded to the primary account holder (as determined by the Mastercard account records) on the account accessed by the eligible Mastercard used to make the qualifying purchase.

The statement credit cannot be returned or exchanged for cash and is non-transferable. Missing statement credits or customer service issues must be communicated to the local bank or credit union through which the card has been issued. This communication must happen within 30 days of the transaction date. Mastercard, nor participating local banks and credit unions, are responsible for other offers, decisions and/or actions of individual merchants.

You can cancel purchases and get a refund in the usual way that you would directly with the merchant, subject to the merchant’s Terms & Conditions. However, you will not earn a statement credit for any canceled or refunded purchases. If you cancel a purchase after the statement credit has been issued to your enrolled Mastercard account, we reserve the right to reverse such statement credit from your account.

When you make an eligible purchase from a participating merchant, the statement credit will generally 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 depending on your local bank or credit union.

There are no limits to the number of purchases you can make at an individual merchant, but some may require that the transaction size falls within a minimum and maximum spend amount.

If you are not interested in participating in this promotion, please contact your local bank or credit union and they will take action to remove your card from the program. Once removed, you will no longer receive the 5% statement credit on eligible transactions.

For cardholder support and inquires related to Mastercard Local, please contact your local bank or credit union.

They will assist you with the following:

  1. General inquiries and support
  2. Transaction/cash back-related queries*
  3. Lost or stolen cards
*In the case of double cash back or “double-dipping”, you cannot earn multiple statement credits for the same transaction. If you are enrolled in another cash back program other than Mastercard Local that offers the same merchant reward, it would not be honored twice.

In partnership with certain local banks or credit unions, Mastercard may occasionally run a limited time bonus promotion in addition to the 5% statement credit. Cardholders will be notified about such promotions through their local bank or credit union. Offer available while supplies last. The local bank or credit union reserves the right to cancel, suspend or modify promotions in part or in its entirety at any time without notice, for any reason in its sole discretion. Terms and conditions that apply to bonus promotions will be provided by the participating local bank or credit union.

For further inquiries on Mastercard Local, please contact the local bank or credit union that issued your enrolled Mastercard.

Are you a merchant with questions about Mastercard Local?

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This site is for informational purposes only. The offers described on the site are provided to eligible Mastercard cardholders only by the local financial institution that issued their eligible Mastercard. For questions about the site and about the program, please refer to the Terms of Use and FAQs below. Issuers may apply additional terms for their cards, therefore please reach out to the local financial institution that issued your Mastercard for full terms and conditions that may apply to your card. If you wish to find out more about how Mastercard respects your privacy when you visit any of our websites or pages, the Mastercard Global Privacy Notice may be reviewed below.