Introducing the new ADA Credit Cards

We've upgraded the ADA credit card experience. The new ADA^® Rewards World Elite Mastercards^® are the only cards exclusively endorsed for ADA members!

Contact ADA Mastercard, 888.293.1595 or 888.487.0206

Visit ADA Mastercard

About ADA Rewards World Elite Mastercard

Whether you already have an ADA^® Preferred Rewards Visa Signature^® Card and/or ADA^® Business Rewards Visa Signature^® Card — or you are considering a new credit card — the ADA credit card is now ADA^® Rewards World Elite Mastercard^®.

Please note: If you currently have an ADA Visa card, you should have received the new ADA World Elite Mastercard in the mail and do not need to re-apply.

— 5X points on ADA, State Dental Society, and select ADA Member Advantage endorsed product purchases (previously 2x points)
— 3x points on travel purchases
— 2x points on gas & groceries
— 1.5 points on all other purchases

— 5X points on ADA, State Dental Society, and select ADA Member Advantage endorsed product purchases
— 2x points on dental supply purchases
— 1.5 points on all other purchases

Enhanced Benefits Available on Both Cards

Access to Mastercard World Elite benefits and perks (Priority Pass now available!)
$0 annual fee
No foreign transaction fees
Flexible point redemption on travel, gift cards, cash back in the form of a statement credit, and more
Best-in-class fraud protection and card security

Existing ADA credit card holders

Transfer of existing points — You will not lose any of your existing and not yet redeemed rewards points! All points will be moved over to your new credit card.

Earn 3,000 bonus points — Simply activate your new card and immediately earn 3,000 rewards points.**

Redeem your points, your way — Keep your existing rewards points and start earning more right away. Points can be redeemed for travel, gift cards, cash back, statement credits, and more.

Activate your card

Don’t yet have an ADA credit card?

Applications for the new ADA Rewards World Elite Mastercard are now open. Experience a world of exclusive benefits in travel, entertainment, dining, and beyond.

Apply Today

Frequently asked questions

Why is my ADA credit card changing?

Your account is being automatically converted to an ADA World Elite Mastercard to expand cardholder benefits, and enhance your reward point earning opportunities.

Do I have to apply for the new ADA World Elite Mastercard if I am a current ADA cardholder?

No, all you need to do is activate your new card on/after November 19, 2025 (it will arrive in the mail shortly before that date). Your account activity and non-redeemed rewards balances will be transferred automatically! Just be sure to set up your online account when prompted to do so.

When will I receive my new card?

Your ADA World Elite Mastercard will be mailed in mid-November. Expect it to arrive within 5-7 business days after mailing.

Will authorized users or employees on my account receive new cards also?

Yes, your new ADA credit card team has your secondary users’ information, and it will be used to issue new cards to them. They will be required to activate their new cards upon receipt.

What do I do if I haven’t received my new card by November 19, 2025?

Your ADA World Elite Mastercard should arrive before November 19, 2025, but if for some reason, you have not received it by then, please contact customer service by email at support@adamastercard.com, or by calling 888.293.1595, and they will be sure to get a card to you right away.

When is the last day that I will be able to use my current ADA credit card?

Your current credit card can be used through November 18, 2025. After that date, it will no longer be valid, and you will need to activate your new ADA World Elite Mastercard to continue accessing your account’s credit line.

How do I activate my new ADA World Elite Mastercard?

Once you have received your new card, you can activate it on or after November 19 by clicking on the activation button on the ADA Mastercard page. If you have any issues, please contact the new ADA credit card team at support@adamastercard.com or calling 888.293.1595.

Is there an annual fee or foreign transaction fee for this card?

As with your current credit card, there is no annual fee or foreign transaction fee to use your new ADA World Elite Mastercard.

Can I start using my ADA World Elite Mastercard immediately after activation?

Yes, you can use your new card on/after November 19, 2025 once you activate it.

Will my credit limit or APR change after switching to my World Elite Mastercard?

Your credit limit and APR will remain the same unless notified otherwise. Changes, if any, will be communicated via mail or email.

Is my card number changing?

Yes, since your card is moving from Visa to Mastercard, it will have a new 16-digit account number, expiration date, and 3-digit security code. Be sure to cut up/throw away your old card on November 19, 2025.

Will my billing cycle change when I switch to the ADA World Elite Mastercard?

Depending on what cycle you are in today, your billing cycle may change. Your new account will cycle on the first of each month, with a due date on the 21st of each month.

Will recurring charges that are set up on my current card transfer to the new card?

The billing information for any recurring charges (subscriptions, etc.) will be automatically updated during the transition to your new credit card. We recommend you verify updates with merchants billing your account.

I am currently set up to autopay my credit card bill each month. Will these settings carry over to the new card?

Autopay information will be transferred and utilized to apply your details and preferences to your new account. We strongly recommend you go to adamastercard.com to review and validate the autopay details.

Will the reward points I have earned but not redeemed still be available on the new card, or will I lose them?

Unredeemed rewards will automatically transfer to your new account. Any future rewards earned on your new card will be added to your transferred rewards, and increase your total reward balance. You can log into adamastercard.com to check on transferred balances, and also see any recently earned rewards.

How will the transfer to an ADA World Elite Mastercard affect my credit history?

Transferring from your current card to the ADA World Elite Mastercard will not affect your credit history. As part of the upgrade process, the new ADA credit card team will bridge the tradelines so your credit history remains intact.

Who do I contact if I have security or fraud concerns?

Contact customer service immediately at support@adamastercard.com or call 888.293.1595 to report security or fraud issues.

The ADA Rewards World Elite Mastercard is issued by FinWise Bank d/b/a Cottonwood Payments pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Use of cards in the Card Programs is subject to the terms and conditions of the cardholder agreements.

*Cardholder Terms, Limits, and Conditions Apply. See adamastercard.com for details. This card is issued by Cottonwood Payments pursuant to a license from Mastercard.

**Activation bonus points apply to upgraded customers. Rewards bonus varies for new customers.