Ma Chao (pronunciation^ⓘ) (176–222), courtesy name Mengqi, was a Chinese military general and warlord who lived in the late Eastern Han dynasty and early Three Kingdoms period of China. A descendant of the general Ma Yuan, Ma Chao was the eldest son of Ma Teng, a prominent warlord in Liang Province (covering parts of northwestern China). In 211, he formed a coalition with Han Sui and other northwestern warlords and revolted against the Han central government, which was led by the warlord Cao Cao. The coalition broke up after losing the Battle of Tong Pass against Cao Cao's forces. Ma Chao initially retreated, but later returned to attack and seize control of Liang Province by killing the provincial inspector Wei Kang and forcing Wei Kang's subordinates to submit to him. About a year after Ma Chao started his uprising, Emperor Xian issued an imperial decree ordering the execution of Ma Chao's family members, who were in Ye city at the time. In the meantime, Wei Kang's subordinates, led by Zhao Ang, Yang Fu and others, rebelled against Ma Chao and forced him out of Liang Province. Ma Chao retreated to Hanzhong Commandery, where he borrowed troops from the warlord Zhang Lu, and returned to attack Liang Province but was ultimately defeated and driven back. Ma Chao took shelter under Zhang Lu for a while until around 214, when he heard that the warlord Liu Bei was fighting for control over Yi Province (covering present-day Sichuan and Chongqing) with Yi Province's governor, Liu Zhang. He defected to Liu Bei's side and assisted Liu Bei in capturing Yi Province from Liu Zhang. Ma Chao had served as a general under Liu Bei since then and participated in the Hanzhong Campaign in 219. He died in 222.

In the 14th-century historical novel Romance of the Three Kingdoms, Ma Chao is romanticised as a heroic warrior and one of the Five Tiger Generals under Liu Bei. In the novel, the descriptions of his character and personality, as well as the order of some events involving him, have been significantly modified for dramatic effect. For example, in the novel he started the Battle of Tong Pass to take revenge against Cao Cao for murdering his family, but historically he waged war against Cao Cao first, and then his family members were implicated and executed about one year later. In the novel, he also engaged Xu Chu and Zhang Fei in one-on-one duels at the Battle of Tong Pass and Battle of Jiameng Pass respectively, but historically the duels never took place and the Battle of Jiameng Pass is actually a fictional battle.

Ma Chao was from Maoling County (茂陵縣), Youfufeng Commandery (右扶風郡), which is located northeast of present-day Xingping, Shaanxi. He was the eldest son of Ma Teng, who descended from Ma Yuan, a general who lived in the early Eastern Han dynasty. Ma Teng's father, Ma Ping (馬平), whose courtesy name was Zishuo (子碩), served as a military officer in Tianshui Commandery (天水郡) during the reign of Emperor Huan. After losing his post, Ma Ping went to live among the Qiang tribes in the region, married a Qiang woman and had a son, Ma Teng. Ma Teng, along with Han Sui and others, were warlords who held considerable influence in Liang Province (covering parts of present-day Shaanxi and Gansu) towards the end of the Eastern Han dynasty and were reluctant to submit to Han rule. In 192, Ma Teng accepted the appointment of General Who Attacks the West (征西將軍) from the Han imperial court and garrisoned his army at Mei County (郿縣). However, he rebelled against the Han dynasty later and attacked the city of Chang'an but failed to conquer it so he retreated back to Liang Province.

During the early Jian'an (建安; 196–220) era, Ma Teng and Han Sui battled against each other. Around age twenty, Ma Chao was famous for his strength and fought on his father's side. During a battle, Yan Xing stabbed him with his spear. As the spear broke, he used it to strike Ma Chao's neck and nearly killed him. Conflict between Ma Teng and Han Sui ended in 200, when Zhong Yao and Wei Duan (韋端) convinced them to reconcile.

In 197, the warlord Cao Cao – who had become the de facto head of the Han central government – placed Zhong Yao, the Colonel-Director of Retainers (司隷校尉), in charge of guarding the Guanzhong region. Zhong Yao wrote to Ma Teng and Han Sui, explaining to them the benefits of submitting to the Han court and the negative consequences of not doing so. When Cao Cao became the Imperial Chancellor (丞相), he wanted to recruit Ma Chao to serve in the Han government, but Ma refused.

In 202, when Cao Cao was on a series of campaigns to unify northern China after his victory over Yuan Shao at the Battle of Guandu two years earlier, he ordered Zhong Yao to attack Yuan's allies Gao Gan and Guo Yuan in Pingyang (平陽; in present-day Linfen, Shanxi). Ma Teng sent Ma Chao to assist Zhong Yao. Ma Chao served as an Assistant Officer Who Supervises the Army (督軍從事) under Zhong Yao. During the battle, he was hit by a stray arrow in the foot, but he wrapped his foot in a pouch and continued fighting. His subordinate Pang De slew Guo Yuan and they defeated the enemy.

Ma Teng got into conflict with Han Sui later, so he requested to leave Liang Province and work in the capital. He was granted permission and appointed as the Minister of the Guards (衞尉) by the Han court. Ma Chao was appointed as a Lieutenant-General (偏將軍), made a Marquis of a Chief Village (都亭侯), and placed in charge of his father's troops in Liang Province. Ma Chao's younger brothers Ma Xiu (馬休) and Ma Tie (馬鐵) were appointed as a Commandant of Equipage (奉車都尉) and a Commandant of Iron Cavalry (鐵騎都尉) respectively, and were ordered to bring all their family members with them to Ye (in present-day Handan, Hebei). Only Ma Chao remained behind in Liang Province.

In 211, Cao Cao sent Zhong Yao and Xiahou Yuan to lead an army to attack Zhang Lu in Hanzhong Commandery. They were due to pass through the Guanzhong region along the way. Ma Chao suspected that Cao Cao was planning to attack him, so he contacted Han Sui to form an alliance. He told Han Sui, "Previously, Zhong Yao ordered me to harm you. Now, I know that the people from Guandong (east of Tong Pass) cannot be trusted. Now, I abandon my father, and I'm willing to acknowledge you as my father. You should also abandon your son, and treat me like your son." Han Sui's subordinate, Yan Xing, urged his superior not to cooperate with Ma Chao but Han still agreed to the alliance. Ma Chao also contacted Yang Qiu, Li Kan (李堪), Cheng Yi (成宜), Hou Xuan (侯選), Cheng Yin (程銀), Zhang Heng (張橫), Liang Xing (梁興), Ma Wan (馬玩) and others, and they formed a 100,000 strong coalition army to attack Tong Pass (present-day Tongguan County, Shaanxi). Liu Zhang, the governor of Yi Province (covering present-day Sichuan and Chongqing), wanted to marry his daughter to Ma Chao to build ties with Ma, but Wang Shang (王商), a commandery administrator under Liu Zhang, opposed the idea and said that Ma Chao was courageous but inhumane and untrustworthy.