Seated World Elite Mastercard®
Basic Information
Program ID: seated-world-elite-mastercard
Issuer: Barclays
Card Type: Credit
Network: Mastercard
Card Tier: World Elite
Data Complete: Yes
Created: 01/15/2026 17:18
Last Scraped: 01/15/2026 17:20
Fee Structure
| Annual Fee: | $695.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $395.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 2,999.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $5 or 5% of the amount of each transfer, whichever is greater (minimum $5). |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 15 months
Balance Transfer APR: 2,124.00%
Intro BT APR: 0.00%
Intro BT Duration: 15 months
Cash Advance APR: 2,999.00%
Rewards Program
Reward Type: Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x Flights, 5x Hotels (booked via Barclays Travel Portal), 3x Dining, 2x Groceries
Point Value Estimate: 0.0200 cents/point
Expiration Policy: Points do not expire as long as account is active and in good standing.
Transfer Partners: British Airways Executive Club, Iberia Plus, Aer Lingus AerClub, Wyndham Rewards, Choice Privileges
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
Approval Criteria
Recommended FICO Range: 720 - 850
Approval Odds Category: Excellent
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: TransUnion, Experian
Issuer Rules
Rules: Eligibility for the 'seated-world-elite-mastercard' in 2026 requires an excellent credit score (typically 700+ FICO), a stable income, and a strong credit history free of recent bankruptcies or defaults. Applicants must adhere to Barclays' 6/24 rule, meaning they cannot have opened more than 6 new credit card accounts across all issuers in the past 24 months. Furthermore, the sign-up bonus is generally not available to applicants who currently hold or have held this specific card product within the last 24 months. The bonus typically requires meeting a specified spending threshold within the initial 3 months of account opening.
Maximum Cards Per Issuer: 3
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across Barclays products, abuse of sign-up bonuses, frequent balance transfers without new organic spend, sudden large and unusual transactions, multiple applications for Barclays cards in a short period, and defaulting on any Barclays financial product.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 4.0 / 5.0
Top Positive Feedback:
No annual fee for a travel card is a significant benefit. Earning 2X miles on all purchases simplifies rewards and is great for everyday spending. No foreign transaction fees makes it ideal for international travel. Mastercard World Elite benefits add extra value and protections.
Top Negative Feedback:
Rewards program might be less flexible or valuable compared to some competitors. Customer service experience with Barclays can be inconsistent. High credit limit requirements for World Elite tier may be a barrier for some applicants.
Approval Experience Score: 70.0 / 100
Recommended Alternatives
- Capital One VentureOne Rewards Credit Card
- Bank of America Travel Rewards Credit Card
- Discover it Miles
Card Value Score: 85.0 / 100
Est. Annual Rewards: $600.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 120 months
Store vs Co-brand: 100% General / 0% Store
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 85.0%
Terms Version Control
Version ID: February 2024