The 9 most valuable World Elite Mastercard benefits
Editor's Note
When discussing the pros and cons of credit cards at TPG, we tend to focus on the sign-up bonuses, perks and bonus categories that make that card unique. However, regardless of who issues your card, it likely gets some perks from the payment network it's a part of. For example, Visa Signature cards have access to the same suite of benefits — whether the card itself comes from Chase or Bank of America.
Mastercard, the second-largest card network in the world, has a similar setup. In addition to perks specific to each card (and its respective issuer), all World Elite Mastercards have access to a common group of benefits.
And Mastercard has two relatively new partnerships that will give cardholders even more value: savings on Peacock subscriptions and Instacart orders.
Here's a breakdown of the new perks as well as the most valuable benefits you'll get with your World Elite Mastercard.
The best World Elite Mastercard offers
While you may not have previously been familiar with the World Elite Mastercard branding, many top travel rewards cards are part of Mastercard's World Elite program. Here are a few of the best offers currently available:
| Card | Welcome offer | Annual fee | Notable perks |
|---|---|---|---|
| Citi Strata Premier℠ Card | Earn 75,000 bonus points after you spend $4,000 in purchases within the first three months of account opening. | $95 (see rates and fees) | Earn 10 points per dollar on hotels, car rentals, and attractions (excluding air travel) booked on the CitiTravel.com
Earn 3 ThankYou points per dollar on air travel, other hotel purchases, gas and EV stations, restaurants and supermarkets |
| Citi® / AAdvantage® Executive World Elite Mastercard® | Earn 70,000 bonus miles after spending $7,000 within the first three months of account opening. | $595 (see rates and fees) | Admirals Club membership, first checked bag free for you and up to eight companions on eligible AA flights, priority check-in and early boarding |
| JetBlue Plus Card | Earn 50,000 bonus points after spending $1,000 on purchases and paying the annual fee in full, both within the first 90 days. | $99 | First checked bag free for you and up to three travel companions, 50% discount on inflight purchases, 10% of your redeemed points back |
| Hawaiian Airlines World Elite Mastercard | Earn 70,000 miles after spending $2,000 on the card in the first 90 days of account opening | $99 | $100 companion discount after each account anniversary, first two checked bags free |
| IHG One Rewards Premier Credit Card | Earn 170,000 bonus points after spending $4,000 on purchases in the first three months from account opening. | $99 | Anniversary award night worth up to 40,000 points, IHG Platinum status, fourth-night reward on award stays |
The information for the JetBlue Plus and the Hawaiian Airlines cards has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Related: Comparing Visa Signature and World Elite Mastercard benefits
Instacart savings
As of January 2025, World Elite cardholders get a free two-month trial of Instacart+ with a new subscription and $10 off their second eligible Instacart purchase each month. This offer ends March 31.
Instacart+ typically costs $9.99 monthly, so the two-month trial saves just under $20. If you can take advantage of the $10 off a second order each month as well, you'll save almost $140 in a year — decent savings for Instacart fans, especially for those who already have an eligible card in their wallet.
Related: Chase cardholders can get up to $15 in Instacart statement credits
Peacock subscription credit
The other most recent addition to the World Elite Mastercard perk list is $3 off Peacock Premium each month.
A Premium subscription costs $5.99 (plus tax) per month, and cardholders get a $3 statement credit, reducing their monthly cost to $2.99. This offer ends March 31.
Again, this isn't the most valuable Peacock subscription card perk. The Platinum Card® from American Express cardholders can get their subscription fully covered with their up to $20 monthly entertainment credit (Enrollment is required). Still, the World Elite Mastercard credit is great news for those who don't have their subscription covered elsewhere.
Related: How to use the Amex Platinum digital entertainment credit
Exclusive discounts with select merchants
As the Amex Offers program has continued to grow in popularity, other issuers have offered similar money-saving deals at select merchants. While Mastercard doesn't offer quite as wide a range as Amex, it has partnered with some popular merchants to provide savings on everyday expenses.
One of the most popular deals we've seen is a $5 Lyft credit when you take at least three rides in a month. If you max out the available benefits every month, you can recoup the annual fees on many World Elite Mastercards before taking into account the other benefits.
World Elite Concierge
While everyone here presumably enjoys traveling, not all of us enjoy the legwork that goes into planning a good trip. Thankfully, Mastercard's 24/7 concierge service can help you make travel plans, secure a hard-to-get reservation at popular restaurants or even track down items like concert tickets.
I've gotten a lot of value out of my credit card concierge services over the years, and I consider them one of the most underrated perks.
Related: The ultimate credit card concierge test: 3 cards, $300 and 1 night in NYC
ShopRunner membership
With more and more purchases moving from physical stores to online, customers are placing increased importance on fast shipping. Thankfully, all World Elite Mastercards come with complimentary ShopRunner memberships, giving you free two-day shipping and return shipping at over 100 retailers.
Depending on how often you like to shop, this can add up to a considerable amount of savings over the course of the year. This offer ends September 31.
Related: Get free shipping from your favorite retailers with these credit cards
Mastercard Luxury Hotel & Resorts Portfolio
This program functions very similarly to Chase's Luxury Hotel & Resort Collection, Amex's Fine Hotels + Resorts, Capital One's Premier Collection, or Citi's Luxury Collection — but with even more properties to choose from. With over 3,000 luxury properties in Mastercard's portfolio, customers enjoy complimentary room upgrades (upon availability), complimentary breakfast, $50 to $100 in amenity credits, early check-in, late checkout and other unique benefits at thousands of hotels worldwide.
This program is an excellent way for less-frequent travelers to enjoy elitelike benefits.
Related: The best hotel credit cards
Hotel stay guarantee
World Elite Mastercard cardholders are ensured the best possible travel experience with the hotel stay guarantee clause.
Should you run into problems after booking a three-star (or greater) hotel through the program, the 24/7 Lifestyle Managers will work to "make it right" and offer up to $1,000 to move you to a comparable property.
Related: Why I checked out of the Hotel Indigo Lower East Side after 15 minutes
Cellphone protection
You can rest easy if your phone is stolen or damaged, as with select cards, you may be entitled to $1,000 in yearly coverage (up to $800 per claim, two claims per year). To activate this coverage, simply pay your cellphone bill with your World Elite Mastercard.
While some benefits are exclusive to the World Elite Mastercard program, card issuers can opt out of offering cellphone coverage for their cards. Check your specific benefits guide to confirm the coverage amount (if any) and the yearly maximum.
Related: How I wasted $300 using the wrong card to pay my cellphone bill
Priceless Experiences
For decades, Mastercard's Priceless program has represented the company's belief that experiences matter more than things. Priceless Experience is an online marketplace full of thousands of unique experiences in cities worldwide, curated exclusively for Mastercard customers.
From sunset river cruises in Bangkok to a guided paddleboat tour of Sydney Harbour, Priceless Experiences will likely have experience waiting wherever you live or travel.
Other benefits worth mentioning
While these other benefits are more niche, World Elite Mastercard holders can access other lifestyle and travel benefits. For instance, cardholders can save up to $1,000 per round-trip on private jets, thanks to Mastercard's partners. Additionally, cardholders can also receive exclusive PGA tour experiences with Mastercard Golf.
Bottom line
While the card network is generally one of the least important factors in evaluating a new card, it's important to consider all the benefits of being part of a program like the World Elite Mastercard.
Many of these perks get overshadowed by card-specific ones like bonus categories and welcome offers. Still, whether you already have a World Elite Mastercard in your wallet or are considering applying for one in the future, you should try and take advantage of all the perks available to you.
Related: Choosing the best Mastercard for you