Look for the Contactless Indicator on your MC Federal Visa contactless chip card to tap to pay for a secure, convenient and touch-freeway to pay. Just look for the Contactless Symbol at checkout, then tap your card on the terminal and be on your way!

Tapping to pay can help avoid touching surfaces at checkout – simply tap your Visa contactless chip card on the contactless-enabled terminal. When you tap to pay, you can rest assured that the transaction is protected with the same security as contact chip cards.

Tap to pay with confidence! 

Protect your cell phone every time you pay your bill 
You rely on your cell phone to stay connected with the people in your life. Fortunately, there’s an easy way to protect this essential device from harm. When you pay your monthly wireless bill with your covered MC Federal Visa credit card, you’ll be reimbursed if your cell phone is stolen or damaged ($50 deductible). 

It’s easy to maintain your coverage 
There’s no need to enroll in this benefit. Simply continue to pay your cell phone bill with your covered MC Federal Visa credit card every month. Your coverage will remain active for the next calendar month to protect you against theft or damage to your cell phone, subject to terms and conditions. 

Certain terms, conditions and exclusions apply. In order for coverage to apply, you must charge your eligible wireless bill to your covered MC Federal Visa credit card. 

Below you will find answers to the most commonly asked questions about the benefit: 

Q: How does Cellular Telephone Protection work? 
A: You are eligible for Cellular Telephone Protection if you pay your wireless phone bill with a covered MC Federal Visa credit card. Coverage begins the first day of the calendar month after you make a payment. Then if your cell phone is stolen or damaged, you may be eligible for reimbursement. A $50 deductible applies. 

Q: What does this protection cover? 
A: Cellular Telephone Protection provides coverage against damage due to, theft of, or involuntary and accidental parting of Your cell phone. Subject to full Terms and Conditions. 

Q: What are the limitations? 
A: You will want to read the full Terms and Conditions, but here are some examples of what is not covered by Cellular Telephone Protection: cosmetic damage (i.e. a scratch to the phone case that does not impact the phone’s ability to operate), prepaid phones and lost phones. 

Q: Do I need to enroll for this benefit? 
A: No, just be sure to pay your cell phone bill each month with your covered MC Federal Visa credit card. 

Q: What are the timelines for filing a claim? 
A: You must notify the Benefit Administrator within 60 days and submit your completed claim form and supporting documentation within 90 days of the theft or damage. 

Q: What paperwork do I need to submit with my claim? 
A: In addition to the claim form, you may need to provide the following supporting documentation:

• Your cellular wireless billing statement showing you paid the prior month’s cell phone bill with your covered card – if you don’t have these, your bank and cellular provider can usually make a copy for you
• A police report filed within 48 hours of the event.
• A copy of the device summary page from Your cellular wireless phone bill or other sufficient proof of the claimed cell phone model linked to Your cell phone account
• Repair estimate or replacement receipt (if applicable) 

Count on built-in auto rental coverage 
When you use your covered MC Federal Visa credit card to rent a vehicle you’ll get built-in Auto Rental Coverage. You’re covered for physical damage and theft, reasonable and customary towing and valid loss-of-use charges. Decline the Collision Damage Waiver coverage offered by the rental agency and make sure your name is listed as the primary renter on the auto rental contract. Any additional drivers must also be listed on the auto rental agreement. You’ll also want to be sure you rent a “covered vehicle” – for example, trucks and expensive or exotic cars are not covered. 

Certain terms, conditions and exclusions apply. In order for coverage to apply, you must use your covered MC Federal Visa credit card to secure transactions. 

Below you will find answers to the most commonly asked questions about the benefit: 

Q: What do I need to do when reserving a rental car to be eligible for coverage? 
A: You must reserve and charge the rental in full on your covered MC Federal Visa credit card and you must decline the Collision or Loss Damage Waiver offered by the rental agency. The name embossed on the card must be listed as the primary renter on the rental agreement and all authorized drivers must be listed on the rental agreement. You must also follow all of the terms and conditions of the rental agreement. 

Q: How does the benefit work for domestic auto rentals? 
A: For domestic rentals, this benefit covers the rental vehicle for physical damage and theft. Coverage does not apply to loss or theft of personal belongings, injury to anyone or personal liability. Within your country of residence, you may rent the vehicle for up to 15 consecutive days per contract and you must report damages to the Benefit Administrator within 45 days of the incident. Coverage is up to the actual cash value of the rental vehicle as it was originally manufactured. 

Q: How does the benefit work for international auto rentals? 
A: For international rentals, this benefit covers the rental vehicle for physical damage and theft. Coverage does not apply to loss or theft of personal belongings, injury to anyone or personal liability. You may rent the vehicle for up to 31 consecutive days per contract and you must report damages to the Benefit Administrator within 45 days of the incident. Coverage is not available in Jamaica, the Republic of Ireland, Northern Ireland or Israel. It is not available where it is prohibited by law or by individual merchants or is in violation of the territory terms of the rental agreement. Please note: Regulations vary outside the United States, so it is recommended that you check with the auto rental company before you travel to make sure this benefit will apply. 

Q: What kinds of vehicles are covered? Not covered? 
A: Most private passenger automobiles, minivans and sport utility vehicles are eligible, but some restrictions may apply. All other vehicles are not covered, including expensive, exotic and antique automobiles; cargo vans and certain other vans; vehicles that have an open cargo bed; trucks; motorcycles, mopeds and motorbikes; limousines; and recreational vehicles. 

Q: What do I have to know in the event I have to file a claim? 
A: You are responsible for gathering the necessary documentation to complete your claim. Please note, you must sign and return your claim form (or if you prefer file online) within 90 days of the date of incident – you can supply any outstanding documentation afterwards (all documents must be submitted within 365 days of the incident). The required documents are listed on the claim form and include: 

• Copy of the accident report form
• Copy of the initial and final rental agreement
• Copy of the repair estimate and itemized repair bill
• Two photographs of the damaged vehicle, if available
• A copy of the demand letter which indicates the costs You are responsible for and any amounts that have been paid toward the claim 

The Benefit Administrator may ask you to provide additional information (if applicable). 

Your MC Federal Visa Signature credit card gives you instant access to dozens of benefits in addition to the Premium Rewards you already earn. 

Explore your world with incredible travel offers and enjoy premium benefits at a selection of some of the world’s most prestigious properties when you book through the Visa Signature Luxury Hotel Collection at visasignaturehotels.com. Or savor unforgettable wines at more than 50 Sonoma County wineries. * 

For more details, go to visa.com/signature. 

*Certain restrictions and limitations 

Count on emergency assistance while traveling 
When you are traveling or working anywhere in the world, your covered MC Federal Visa Signature® credit card gets you access to a multilingual call center – 24 hours a day, 365 days a year – to help get the assistance you need. As a covered MC Federal Visa Signature credit cardholder, you, your spouse and legal dependent children under 22 years of age who are traveling with you can call a dedicated toll-free number in the United States, or call collect when traveling abroad. Keep in mind this program provides assistance only. You are responsible for the cost of any services received. 

The following services are offered:

• Pre-Trip Assistance provides information about health precautions, weather reports, currency exchange rates, visas, ATM locations and immunizations
• Medical Referral Assistance provides medical referral, monitoring and follow-up
• Emergency Transportation Assistance arranges for transportation under medical supervision
• Emergency Message Service can relay emergency messages for travelers and is available 24 hours a day
• Prescription Assistance and Valuable Document Delivery Arrangements can accommodate unexpected prescription needs or transport critical documents (e.g., passport or travel visa), which may have been left at home or elsewhere
• Legal Referral Assistance can arrange contact with English-speaking attorneys, U.S. embassies and consulates and bail-bond assistance
• Emergency Ticket Replacement arranges for the replacement and delivery of new tickets and assists with ticket reimbursement procedures
• Lost Luggage Locator Service can help you through the common carrier’s claim procedures or can arrange shipment of replacement items if an airline or common carrier loses your checked luggage
• Emergency Translation Service provides telephone assistance in all major languages and helps find local interpreters, if available 

Certain terms, conditions and exclusions apply. 

Below you will find answers to the most commonly asked questions about the benefit 

Q: Can you explain how the coverage works if I need to get help replacing prescription medications? 
A: This coverage is included when you are traveling out of the country. Just call the toll-free number. You’ll need to provide the Benefit Administrator with some key information, including your name and address, the name of the prescription, your doctor’s name or the name of your pharmacy and a phone number where the Benefit Administrator can reach you and your location. The Benefit Administrator will contact your doctor or pharmacy to get a prescription and work to find the medicine locally. The Benefit Administrator will call you back with information about where and when you can pick it up. If it isn’t available locally, they will coordinate getting the medicine shipped to you (provided that local laws allow). 

Q: Can you explain how the coverage works if I need to get help replacing my passport or travel visa? 
A: This coverage is included when you are traveling out of the country. Just call the toll-free number. You’ll need to provide the Benefit Administrator with some key information, including your name and address, the city where your passport was issued, a phone number where we can reach you and your location. The Benefit Administrator will contact the U.S. Passport Office and determine whether or not there is an office close to you. If there is, they will schedule your appointment and help you with the paperwork. If there is not an office nearby, they will work to get all of the forms in order so that your replacement passport and/or travel visa can be issued and delivered to you. 

Extend your product’s warranties automatically 
When you use your covered MC Federal Visa Signature credit card for your eligible purchase, Extended Warranty Protection will extend the terms of the manufacturer’s warranty up to one additional year on eligible warranties of three years or less. Plus – no more hunting through your file drawers for warranties and receipts – simply register your products and the Benefit Administrator will keep your information handy. 

Certain terms, conditions and exclusions apply. In order for coverage to apply, you must use your MC Federal Visa Signature credit card to secure transactions. 

Below you will find answers to the most commonly asked questions about the benefit. 

Q: How does the warranty work? 
A: It doubles the original term (up to an additional year on eligible warranties of three years or less). So, for example, if the original warranty was for six months, the benefit will extend it for an additional six months; if the original warranty was for 24 months, the benefit will extend it for up to an additional 12 months. 

There is a per item maximum of $10,000 and a per cardholder maximum of $50,000. 

Q: What are the limitations? 
A: You will want to read the full Terms and Conditions, but here are some examples: the item must be purchased with your covered MC Federal Visa Signature credit card, and the warranty extension is for U.S. warranties only. Some items are excluded from coverage, such as motor vehicles, real estate, computer software, medical equipment, and items that are pre-owned or used. 

Q: Are purchases that I make outside of the United States covered? 
A: Yes, as long as you use your covered MC Federal Visa Signature credit card for the purchase and the eligible item has a valid original manufacturer’s written U.S. repair warranty of 36 months or less, store purchased dealer warranty, or assembler warranty. 

Q: What are the timelines for filing a claim? 
A: You must notify us within 60 days of the failure, and submit your completed Claim Form within 90 days of the failure. 

Q: What paperwork do I need to submit with my claim? 
A: In addition to the Claim Form, you will need the following: 

• An itemized sales receipt for the purchase – if you don’t have this, the store where you made the purchase can usually print a duplicate receipt for you.
• Your covered MC Federal Visa Signature credit card billing statement showing the purchase – your bank can usually make a copy for you.
• A copy of the original manufacturer’s warranty – a copy can usually be downloaded and printed from the manufacturer’s website.
• They may ask you to provide additional information, such as a repair estimate. They will walk you through any additional paperwork that is needed. 

Q: How long does it take for a decision to be made on a claim? 
A: Once the Administrator has all the paperwork from you that they need, they will make a decision within five business days. The Administrator will send you a notification of their decision, and if the claim is approved, they will repair or replace the item – or they may reimburse you for up to the original purchase price. 

As a covered MC Federal Visa Signature credit card holder. You are eligible for Travel Accident Insurance. Travel Accident Insurance includes Worldwide Automatic Travel Accident, Financial Services Common Carrier Trip Cancellation/Trip Interruption, Trip Delay, Checked & Carry-On Baggage, Buyers Protection, Extended Warranty & Baggage Delay Insurance. 

Certain terms, conditions and exclusions apply. For full details on Travel Accident Insurance, please review your Guide to Benefits.