Madeen encyclopedia

HealthLock

HealthLock is a protection benefit on 15 cards in the Madeen catalog. HealthLock appears on 230 cards in the Madeen catalog. Issuer terms define eligibility, caps, and ex. Issuer terms control eligibility, caps, and exclusions; Madeen summarizes catalog data for comparison only.

What is HealthLock?

HealthLock appears on 230 cards in the Madeen catalog. Issuer terms define eligibility, caps, and exclusions. Issuer terms control eligibility, caps, and exclusions; Madeen summarizes catalog data for comparison only. Issuer terms control eligibility, caps, and exclusions; Madeen summarizes catalog data for comparison only.

Which cards include HealthLock?

15 catalog cards match HealthLock by title or taxonomy. Table ranks by Madeen effective rate in the strongest spend category. Issuer terms control eligibility, caps, and exclusions; Madeen summarizes catalog data for comparison only. Issuer terms control eligibility, caps, and exclusions; Madeen summarizes catalog data for comparison only.

Is HealthLock worth it?

Weigh HealthLock against annual fees on related cards. A perk matters only if you would use it and the fee is offset by spend or credits. Issuer terms control eligibility, caps, and exclusions; Madeen summarizes catalog data for comparison only.

Ranked by Madeen effective rate in each card's strongest category. Issuer terms control current offers.

Card Issuer Top category Effective rate Annual fee
BMO Cash Back Mastercard BMO Other 5% $0
Capital Credit Union Mastercard Max Cash Preferred Capital Credit Union Other 5% $0
Shop Your Way Mastercard Citi Gas 5% $0
Community 1st Credit Union Mastercard Max Cash Preferred Community 1st Credit Union Other 5% $0
Farmers National Bank Mastercard Max Cash Preferred Farmers National Bank Other 5% $0
First Interstate Bank Mastercard Max Cash Preferred First Interstate Bank Other 5% $0
First Merchants Bank Mastercard Max Cash Preferred First Merchants Bank Other 5% $0
First National Bank Texas Mastercard Max Cash Preferred First National Bank Texas Other 5% $0
Amtrak Guest Rewards Mastercard FNBO Dining 5% $0
Amtrak Guest Rewards Preferred Mastercard FNBO Dining 5% $99
Fort Hood National Bank Mastercard Max Cash Preferred Fort Hood National Bank Other 5% $0
Greater Nevada Credit Union Mastercard Max Cash Preferred Greater Nevada Credit Union Other 5% $0
GreenState Credit Union World Mastercard GreenState Credit Union Travel 5% $0
Newburyport Bank Mastercard Max Cash Preferred Newburyport Bank Other 5% $0
PlainsCapital Bank Mastercard Max Cash Preferred PlainsCapital Bank Other 5% $0

Related Madeen guides

Frequently asked questions

What is HealthLock on a credit card?
HealthLock appears on 230 cards in the Madeen catalog. Issuer terms define eligibility, caps, and exclusions. Issuer terms control eligibility, caps, and exclusions; Madeen summarizes catalog data for comparison only. Issuer terms control eligibility, caps, and exclusions; Madeen summarizes catalog data for comparison only.
How many cards include HealthLock?
Madeen lists 15 cards with HealthLock or a matching benefit title in our catalog snapshot. Issuer terms control eligibility, caps, and exclusions; Madeen summarizes catalog data for comparison only. Issuer terms control eligibility, caps, and exclusions; Madeen summarizes catalog data for comparison only.
Does Madeen guarantee approval or bonus eligibility?
No. Madeen summarizes public catalog and issuer information for education. Approval, offers, and benefit enrollment are controlled by issuers and can change. Issuer terms control eligibility, caps, and exclusions; Madeen summarizes catalog data for comparison only. Issuer terms control eligibility, caps, and exclusions; Madeen summarizes catalog data for comparison only.

Madeen analysis. Data from catalog snapshot 2026-06-01. Last reviewed 2026-06-01. Reviewed by Madeen editorial review. Issuer pages control rewards, fees, benefits, and eligibility.

Editorial methodology Card rules index