World Elite vs. World Mastercard: Benefits and value

Apr 6, 2020

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Editor’s note: This post has been updated with the latest card issuer information.

You may be in the market for a new Mastercard to cover emergency expenses during the coronavirus pandemic or to prep for summer vacation by earning rewards on a new card. So you might be wondering about the difference between the World Elite and World versions of some of the top Mastercard credit cards.

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(Photo courtesy of Shutterstock)
(Photo courtesy of Shutterstock)

If you’re already carrying one of these cards, you can find out which version you have by looking for the label “World” or “World Elite” just above the Mastercard logo. Some of these cards carry higher annual fees than Mastercards that are not part of the program. Is it worth it to spend more? What benefits are you getting out of a World or World Elite Mastercard?

Related reading: Comparing Visa Signature and World Elite Mastercard benefits

Let’s take a look at the differences in the costs and benefits, and see what perks might make one of them worthwhile for a savvy spender.

In This Post

The standard Mastercard program

The standard benefits of a Mastercard vary based on the card issuer and the product. However, benefits can include:

  • Zero liability — Waives the $50 maximum liability to cardholders under the Fair Credit Billing Act for fraudulent charges
  • Mastercard Global Service — Provides emergency assistance including card replacement and cash advances if your wallet or card is lost or stolen
  • Identity theft resolution services — Includes an ID-theft resolution kit and access to specialists
  • Fuel Rewards Network — A discount program that works at gas stations, grocery stores and restaurants. You can link your Mastercard to your Fuel Rewards Network account and earn additional rewards, rather than carrying a separate discount card.
  • Price protection — You can be reimbursed if an eligible purchase experiences a price drop within 60 days of purchase.
  • Extended warranty — Doubles the manufacturer’s warranty for periods of up to 12 months on eligible purchases
Your standard Mastercard offers shopping perks like price protection and an extended warranty. (Photo by Shutterstock)
Your standard Mastercard offers shopping perks such as price protection and an extended warranty. (Photo by Shutterstock)

The World Mastercard program 

Credit cards in the World Mastercard program may come with these additional benefits:

  • Concierge services — Phone representatives to assist you with gift buying and delivery, event tickets and other personal services
  • Enhanced price protection — World Mastercard holders receive this protection for up to 120 days, as opposed to 60 for standard Mastercard customers.
  • Mastercard Airport Concierge — A paid meet-and-greet service that helps passengers with arrivals, departures, or changing planes at more than 450 airports around the world. Cardholders receive a 15% discount for the service.
  • Mastercard Travel Services — Makes travel arrangements for cardholders
  • World Luxury Hotels & Resorts — Offers room upgrades, free breakfast, early check-in and late checkout and special welcome amenities to cardholders who book their stay through this program
  • Hotel stay guarantee — A Mastercard Lifestyle Manager will help if the three-star or higher-rated hotel you book isn’t working out.
  • Lowest hotel rate guarantee — If you find the same exact prepaid hotel stay for less, Mastercard will refund the difference.
  • Onefinestay — Get a 10% discount on thousands of rental homes around the world. Amenities include guest services available 24/7, high-quality toiletries and free Wi-Fi.
  • Mastercard Priceless Cities — Offers discounts and exclusive offers for luxury goods and services in select cities around the world
  • ShopRunner — When you order from more than 140 online stores using ShopRunner, you’ll receive unlimited free two-day shipping and return shipping on purchases. Eligible retailers include Saks Fifth Avenue, Brooks Brothers, Tory Burch, Staples and
  • Postmates — Get $5 off every purchase of $25 or more (not including delivery fees, tips and taxes) every time you order from hundreds of thousands of restaurants and stores across the U.S. with this on-demand delivery service.

Best World Mastercard credit cards

An array of top travel rewards credit cards bear the World Mastercard logo. Here are some of our favorites.

CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

This card is great for frequent travelers who prefer American Airlines and also want to earn generous rewards on common purchases. The card delivers 2x miles eligible American Airlines purchases, purchases at telecommunications merchants, cable and satellite providers, car rental merchants and gas stations and 1x everywhere else. The $99 annual fee is waived the first year, making the card an excellent value. Plus, for a limited time new cardholders get 65,000 American AAdvantage miles after spending $4,000 in the first four months of account opening.

Related reading: Five things you need to know about American Airlines AAdvantage

Apply for  CitiBusiness® / AAdvantage® Platinum Select® Mastercard® now and earn 65,000 miles after spending $4,000 in the first four months

The information for the CitiBusiness AAdvantage Platinum card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

JetBlue Card

(Photo by The Points Guy)
(Photo by The Points Guy)

This is a rare World Mastercard with no annual fee, making it an incredible value. It gives you 3x points on JetBlue purchases, plus 2x points on restaurants and grocery stores and 1x on everything else. Issued by Barclays Bank, the card has a 10,000-point bonus offer after spending $1,000 on purchases in the first 90 days. You’ll also get perks such as 50% off inflight purchases and no foreign transaction fees.

These benefits may sound modest, but pair them with the benefits you’ll get in the World Mastercard program, and you have a solid card that doesn’t cost anything to carry.

Related reading: JetBlue TrueBlue rewards program

Other World Mastercards that may be worth the money

The World Elite Mastercard program

World Elite cardholders enjoy all the standard and World Mastercard benefits listed above, plus the following:

  • Lyft —Take five rides in a month and get a $10 credit once a month.
  • Boxed — Earn 5% in cash rewards on orders.
  • Lufthansa — Cardholders receive a 15% discount on the German flag carrier.
  • Avalon Waterways — Cardholders can receive up to $75 per person on all cruises.
  • Vacation packages — Cardholders can receive between $50 and $250 when booking tours and vacations around the world.
  • Car rentals — Get a 25% discount when renting a vehicle with Avis or National or Sixt. Upon request, cardholders can also receive elite status with these companies.
  • Chauffeured car service — This program features savings on limousine services around the world at 20% off the standard price.
  • Private Jet Program — When first class just doesn’t cut it, this program offers discounts from private jet charter operators Skyjet and Vitesse Worldwide.
  • Personal Travel Advisor and Mastercard Global Service Premium — These appear to be the same as the benefits offered by World Mastercards, but purportedly come with more personal service.
  • Mastercard Priceless Cities — Take advantage of travel experiences that give you preferred access to VIP events, insider opportunities, special promotions and more.
  • Mastercard Priceless Golf — These are golf offers and experiences with the PGA Tour for World Elite cardholders, as well as a Golf Concierge Service to access other golf benefits available.
  • Mastercard Hotel Stay Guarantee — If you book a three-star or higher rated hotel, and you aren’t satisfied, Mastercard says that it will have a Lifestyle Manager work with you to make it right.
  • Mastercard Lowest Hotel Rate Guarantee — If you find the same exact prepaid hotel stay for less, Mastercard will refund the difference.
  • Onefinestay — Save 10% on rental homes worldwide.
  • Fandango — Every time you buy two movie tickets, receive $5 off future movie tickets or at-home purchases.

Note: Some of these bonuses, such as Mastercard Priceless Cities and Mastercard Priceless Golf, are currently unavailable because of restrictions on gathering and social distancing as a result of coronavirus.

Find COVID-19 updates on TPG’s coronavirus hub page

The World Elite program still has lots of worthwhile benefits you can use right now, including 5% in cash rewards on Boxed purchases and discounts on at-home purchases through Fandango.

Related reading: Mastercard adds benefits including $10 monthly Lyft credit, $5 Postmates discount and more

Best World Elite Mastercard credit cards

Many of the best travel rewards credit cards are part of the Mastercard World Elite program. These are some of our favorites.

Citi Premier® Card

The card’s modest $95 annual fee is more than offset for the first year by a sign-up bonus of 60,000 points when you spend $4,000 in the first three months. The card offers 3x points on travel, including gas stations, restaurants, supermarkets, hotels and air travel.1x points on all other purchases. Points never expire and can be transferred to any of Citi’s many travel partners. The card has no foreign transaction fees.

Apply now for the Citi Premier card and get 60,000 bonus points when you spend $4,000 in the first three months

JetBlue Plus Card

(Photo by Isabelle Raphael/The Points Guy)
(Photo by Isabelle Raphael/The Points Guy)

For frequent JetBlue flyers, this card offers a lot of bang for the buck. The $99 annual fee gets you a free checked bag when you fly JetBlue (for yourself and three companions) and 5,000 bonus points each year on your account anniversary. Earn 6x points on JetBlue purchases, plus 2x at restaurants and grocery stores. You can also earn a $100 statement credit on JetBlue Vacations purchases of $100 or more. Plus, using your JetBlue Plus Card is a great way to earn Mosaic status, JetBlue’s elite status, since you automatically gain the credential when you spend $50,000 with your card in a calendar year.

Other World Elite Mastercard credit cards to consider

The information for the Citi AAdvantage Platinum card, Citi Prestige has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Are World Elite benefits worth the annual fee?

The easiest World Elite benefits to use (among those not included with World Mastercards) is probably the Lyft $10 credit. All it requires is setting a World Elite Mastercard as your method of payment (and being a regular user of Lyft). The car rental discounts and elite status upgrades are also great benefits that you don’t find with most credit cards. The savings with Fandango tickets can add up if you’re a frequent moviegoer.

Right now, as we practice social distancing and self-isolation, the Boxed, Postmates, and Shoprunner discounts and perks make the World Elite Mastercard worthwhile, with lots of savings available for shopping online.

Related reading: Best credit cards for online shopping

Many of the benefits related to the World Elite program offer peace of mind. For instance, it’s nice to know that if you have a less-than-stellar hotel stay at a three-star or better property, Mastercard has your back. And it’s nice to have more personalized service through the Personal Travel Advisor and Mastercard Global Service. But these aren’t perks that will automatically translate into cost savings that offset the annual fee.

Bottom line

If we’re only considering World Elite Mastercard benefits and not other card perks, the best option for getting World Elite benefits is probably the Citi Premier® Card, which has a great earning structure that includes a lot of bonus point opportunities. Citi’s ThankYou points can be redeemed for airfare via the Citi ThankYou Travel Center at a rate of 1.25 cents per point, or transferred to one of the program’s airline partners for potentially even more value. The best part is that right now the Citi Premier is offering a 60,000-point sign-up bonus after spending $4,000 in the first three months.

Otherwise, travelers who can realize just one of the other tour, cruise, or limo discounts available with World Elite Mastercard will find the Citi / AAdvantage Platinum or the JetBlue Plus Card to be well worth the annual fee. Businesses looking for World benefits and American Airlines perks likely can’t go wrong with a CitiBusiness AAdvantage Platinum card for all their needs.

With additional reporting by Dawn Allcot

Chase Sapphire Preferred® Card

WELCOME OFFER: 60,000 Points


CARD HIGHLIGHTS: 2X points on all travel and dining, points transferrable to over a dozen travel partners

*Bonus value is an estimated value calculated by TPG and not the card issuer. View our latest valuations here.

Apply Now
More Things to Know
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on dining at restaurants including eligible delivery services, takeout and dining out and travel & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
Regular APR
15.99%-22.99% Variable
Annual Fee
Balance Transfer Fee
Either $5 or 5% of the amount of each transfer, whichever is greater.
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Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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