You’re probably not a stranger to Mastercard credit cards. As one of the largest payment networks in the world, Mastercard partners with several different credit card issuers, including Citi® (a NextAdvisor advertiser), Chase and U.S. Bank. While these issuers offer their own rewards on the cards they issue, Mastercard also offers its own benefits in three different levels, with World Elite Mastercard including the highest level of rewards and protections from the network.

If you’re trying to figure out what the World Elite Mastercard benefits are, we have all the information below to show you exactly what’s included in World Elite Mastercard benefits, along with the best credit cards for you to take full advantage of them.

What are World Elite Mastercard benefits and how do I get them?

Mastercard offers three benefits levels for credit cards in its network. Of the three, World Elite Mastercard is the highest tier, offering a mix of luxury travel perks like special discounts on luxury home rentals with onefinestay and additional protections, including Mastercard’s Global Emergency Services. Mastercard benefits come standard with each credit card, but the card’s level will determine which benefits it receives. If you’re drawn to the luxury perks of World Elite Mastercard, make sure the card you want falls into that category before applying. Once you’re approved for the card, all the benefits will be active — there’s no need to apply or activate.

How are World Elite Mastercard benefits offered and included?

You can count on your World Elite benefits to be the same no matter which card you choose. Credit card issuers have the opportunity to include their own benefits on top of what’s already offered, but they can’t withhold any Mastercard benefits. World Elite Mastercard benefits include the foundational perks from both Traditional Mastercard and World Mastercard tiers, as well as additional luxury perks aimed at those who like to travel the world in style.

  • Mastercard ID Theft Protection keeps an eye on your credit history and alerts you if it finds activities that might be fraudulent.
  • Cell phone protection covers your phone if it’s stolen or damaged up to $1,000 per year when you use your Mastercard to pay your monthly phone bill.
  • Mastercard Zero Liability Protection ensures you won’t be held responsible if someone uses your credit card without authorization.
  • Global emergency services will help you replace a lost or stolen card, find an ATM or get an emergency cash advance if you find yourself in a tight spot anywhere in the world.
  • World Elite Concierge is a 24/7 service to help you with anything you need while you travel, including booking flights, reserving tables and locating hard-to-find tickets or items.
  • Complimentary professional travel services allow you to customize your travel plans to get the most out of every trip with the help of Mastercard’s experienced travel advisors.
  • Mastercard Hotel Stay Guarantee ensures you’ll have a good experience at a hotel rates 3-star or higher. If you don’t, a lifestyle agent will work with you and the hotel to correct any problems.
  • Mastercard Lowest Hotel Rate Guarantee refunds you the difference if you can find the exact same hotel reservation for cheaper than what Mastercard’s travel services can offer.
  • Mastercard luxury hotel and resorts is a portfolio of over 2,000 properties where you’ll enjoy room upgrades, early check-in, late check-out, complimentary breakfast for two each day and other great property-specific amenities.
  • Mastercard Airport Concierge is available at over 700 airports around the world to personally escort you through the airport on any of your flights, including departures, arrivals and connections.

Any additional World Elite Mastercard benefits

In addition to protections and travel perks, you’ll also enjoy special discounts and perks with several services offered by your World Elite Mastercard.

  • Lyft — You’ll earn $10 after you take 5 Lyft rides each month.
  • Boxed — You’ll see 5% cash back on all of your orders when you pay with your Mastercard.
  • Postmates — Put $5 back in your pocket every time you make a purchase of $25 or more.
  • ShopRunner — Enjoy a free membership, which gives you free 2-day shipping and free returns from several online retailers.
  • Fandango — You’ll get $5 off your next ticket purchase every time you use your card to buy two movie tickets.
  • onefinestay — Save 10% on rental home and villa reservations around the world.
  • Priceless Golf — Enjoy exclusive experiences like playing Pebble Beach or watching an event from inside the ropes.
  • Car, air, cruise and vacation packages — You’ll enjoy special discounts when you book through Mastercard Travel & Lifestyle Services.

World Elite Mastercard benefits vs. World Mastercard benefits

The second tier of Mastercard’s benefits — World Mastercard — offers many of the same foundational benefits that make a World Elite Mastercard so enticing, like global emergency services and the Mastercard hotel stay guarantee. However, World Elite steps up the game with additional savings from Lyft, Boxed and others that can make these cards worth the added effort and potentially higher annual fees.

Benefit World Mastercard World Elite Mastercard
Mastercard ID Theft Protection Yes Yes
Cell phone protection Yes Yes
Mastercard Zero Liability Protection Yes Yes
Global emergency services Yes Yes
Complimentary professional travel services Yes Yes
Mastercard Hotel Stay Guarantee Yes Yes
Mastercard Lowest Hotel Rate Gauantee Yes Yes
Mastercard luxury hotel & resorts portfolio Yes Yes
Car, air, cruise and vacation packages Yes Yes
Mastercard Airport Concierge Yes Yes
Postmates $5 every purchase of $25 or more $5 every purchase of $25 or more
ShopRunner Free membership Free membership
onefinestay Save 10% Save 10%
Priceless Golf Exclusive experiences available Exlusive experiences available
Lfyt Not included Earn 10$ each month that you take five rides
Boxed Not included 5% cash back on all orders
Fandango Not included $5 a future ticket purchase when you buy two movie tickets
World Elite Concierge Not included Yes

Best cards for World Elite Mastercard benefits

Taking advantage of World Elite Mastercard benefits means choosing the right credit card for you. Not all credit cards are created equal, so you’ll want to compare cards to find the perfect balance of fees, rewards and other benefits.

U.S. Bank Business Cash Rewards*

For small business owners, the U.S. Bank Business Cash Rewards World Elite™ Mastercard® is an excellent option for earning cash back rewards with no annual fee. You’ll earn 3% back on eligible purchases at gas stations, office supply stores and cell phone providers, plus 1% back on all your other purchases. If you need to make a larger purchase, you can take advantage of a 0% intro APR on purchases and balance transfers for the first 15 billing cycles before seeing the standard variable APR of 11.99% to 22.99% and the balance transfer fee is $5 or 3% of the amount of each transfer, whichever is greater.

Citi / AAdvantage Platinum Select World Elite Mastercard*

With the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® (a NextAdvisor advertiser) you earn American miles you can use to travel the world and take advantage of all the World Elite Mastercard travel benefits. You’ll earn a sign up bonus of 50,000 miles after you spend $2,500 within your first three months. The annual fee is $99, but it’s waived for the first 12 months. You also won’t have to pay any foreign transaction fees when you travel abroad. The standard variable APR for purchases on this card ranges from 15.99% to 24.99%, and the balance transfer fee is $5 or 3% of the amount of each transfer, whichever is greater.

Citi Prestige Credit Card*

The Citi Prestige® Credit Card comes with a $495 annual fee, rewards and perks that make it worth every penny if you use it well. You’ll earn 5 points per dollar spent at restaurants and airlines, 3 points per dollar at hotels and cruise lines and 1 point for all other purchases, with a 16.99% to 23.99% variable APR based on your creditworthiness. For perks (outside of the Mastercard World Elite benefits), Prestige offers complimentary airport lounge access through Priority Pass Select, a credit to cover either TSA Precheck or Global Entry application fees and up to a $250 travel credit each year to cover travel expenses.


When you choose a travel credit card with World Elite Mastercard benefits, you get a ton of perks for traveling in style. Taking full advantage of these benefits means enjoying the discounts and protections your credit card offers, especially the perks from Lyft, Boxed and Fandango, where you’ll see the biggest differences when weighing it against cards in the Mastercard World benefits tier. With options including business cards, cash back, travel rewards and more, you’re sure to find a World Elite Mastercard that gets you where you want to go.


*Information regarding the U.S. Bank Business Cash Rewards World Elite Mastercard, The Citi AAdvantage Platinum Select World Elite Mastercard and The Citi Prestige Credit Card was prepared by staff. Opinions expressed therein are solely those of the writer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented on this page is accurate as of the date of the post.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This content was accurate at the time of this post, but card terms and conditions may change at any time. This site may be compensated through the credit card issuer Affiliate Program.