20
Benefits3
Reward Categories4x
Max Reward21.2%
APR FromBasic Information
PENDINGRewards Program (Detailed) 3 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Seated Purchases | 4x | Points | Earn 4x points on Seated purchases | No Cap | |
| Dining | 2x | Points | Earn 2x points on all other dining purchases | No Cap | |
| All Other Purchases | 1x | Points | Earn 1x point on all other purchases | No Cap |
Rewards Summary
PENDINGReward Type: Points
Base Rate: 1x
Bonus Rate: 5x
Categories: 5x on Flights booked directly with airlines, 5x on Hotels booked directly with hotels, 3x on Dining, 1x on all other purchases
Quarterly Rotating: No
Cap Amount: $150,000.00
Expiration Policy: Points do not expire as long as account is active and in good standing
Point Value: 0.02¢
Travel Portal Multiplier: 1x
Transfer Partners: British Airways Executive Club, Iberia Plus, Aer Lingus AerClub, Qatar Airways Privilege Club, Choice Privileges, Wyndham Rewards
Redemption Penalties: None
Benefits & Protections (Detailed) 20 Total
PENDINGFinancial 2
No Annual Fee
$0Enjoy all the benefits of your card without paying an annual fee.
Intro APR on Purchases and Balance Transfers
0% Intro APR for 15 billing cyclesEnjoy 0% intro APR for 15 billing cycles on purchases and balance transfers made within 45 days of account opening. After that, a variable APR applies.
Financial Tools 3
Free FICO® Score Access
FreeGet free online access to your FICO® Score.
Online Banking
24/7 account managementManage your account 24/7, pay your bill, view statements, and more.
Paperless Statements
Online statementsView your statements online and reduce paper clutter.
Lifestyle 1
Priceless® Experiences
Exclusive access to unique experiences and offersGet exclusive access to a collection of unique experiences and offers in cities around the world.
Purchase Protection 3
Cell Phone Protection
Reimbursement for damage or theftGet reimbursed for damage to or theft of your eligible cell phone when you pay your monthly cell phone bill with your eligible World Elite Mastercard. Certain terms, conditions and limitations apply.
Purchase Assurance
Coverage for damaged or stolen items within 90 daysProvides coverage for most new items purchased with your eligible World Elite Mastercard that are damaged or stolen within 90 days of the date of purchase. Certain terms, conditions and limitations apply.
Extended Warranty
Doubles warranty up to one additional yearDoubles the original manufacturer's or store brand warranty for up to one additional year on eligible purchases when you pay with your eligible World Elite Mastercard. Certain terms, conditions and limitations apply.
Security 3
Fraud Liability Protection
$0 liability for unauthorized chargesYou're protected against unauthorized use of your card.
Mastercard ID Theft Protection™
Identity theft resolution servicesProvides you with services to help detect and resolve identity theft.
Account Alerts
Email or text alerts for account activityGet email or text alerts for certain account activity, such as when your payment is due or when you've exceeded your credit limit.
Travel 1
Mastercard Airport Concierge™
15% savings on eligible servicesArrange for a personal, dedicated Meet and Greet agent to escort you through the airport on departure, arrival or any connecting flights. Plus, as a World Elite Mastercard cardholder, you'll save 15% on eligible services.
Travel & Lifestyle 1
Travel & Lifestyle Services
Complimentary benefits, amenities, upgrades, dedicated lifestyle managerEnjoy a complimentary suite of benefits, amenities and upgrades at a collection of hotels and resorts worldwide, plus a dedicated lifestyle manager to assist with travel planning, dinner reservations, and more.
Travel Assistance 1
Mastercard Global Service™
24/7 customer service assistanceProvides 24-hour a day, seven day a week customer service assistance with Lost and Stolen Card Reporting, Emergency Card Replacement, Emergency Cash Advance, and ATM Locator services.
Travel Insurance 5
Car Rental Collision Damage Waiver
Coverage for collision or theft of rental vehiclesProvides coverage for damage due to collision or theft of most rental vehicles when you pay for the entire rental transaction with your eligible World Elite Mastercard and decline the rental company's collision damage waiver (CDW) or similar provision. Certain terms, conditions and limitations apply.
Travel Accident Insurance
Coverage for accidental death or dismembermentProvides coverage for you and your eligible family members for covered losses due to accidental death or dismemberment while traveling on a common carrier when you pay the entire fare with your eligible World Elite Mastercard. Certain terms, conditions and limitations apply.
Trip Cancellation/Trip Interruption
Reimbursement for non-refundable faresReimburses you for non-refundable passenger fares if your trip is canceled or interrupted for covered reasons when you pay for the entire fare with your eligible World Elite Mastercard. Certain terms, conditions and limitations apply.
Baggage Delay
Reimbursement for essential items due to baggage delayReimburses you for the purchase of essential items when your checked baggage is delayed by a common carrier for a specified period of time. Certain terms, conditions and limitations apply.
Lost Luggage
Reimbursement for lost or damaged luggage and contentsReimburses you for the actual cost of repairing or replacing your checked or carry-on luggage and its contents if they are lost or damaged by the common carrier. Certain terms, conditions and limitations apply.
Benefits Summary (Flags)
PENDINGExtended Warranty
Purchase Protection
Cell Phone Protection
Travel Insurance
Primary Rental Protection
Airport Lounge Access
Trip Delay Coverage
Lost Luggage Coverage
Price Protection
Concierge Service
No Foreign Fees
ShopRunner
Global Entry Credit: $100
TSA PreCheck Credit: $100
Sign-Up Bonus
PENDING75,000
Points/MilesRequirement: Spend $5,000 in 90 days
Timing: Bonus miles are typically credited to your account 6-8 weeks after the statement period in which you meet the spending requirement.
Fee Structure
PENDING| Annual Fee: | $695.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $35.00 |
| Authorized User Fee: | $95.00 |
| Penalty APR: | 0.30% |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $5 or 5% of the amount of each transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 21.24% - 29.24%
Balance Transfer APR: 21.24%
Cash Advance APR: 29.99%
Intro APR Offers
Intro Purchase APR: 0% for 15 months
Intro BT APR: 0% for 15 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: To be eligible for the seated-world-elite-mastercard, applicants must possess excellent credit (typically FICO score 740+), demonstrate sufficient income, and not have filed for bankruptcy recently. A key application rule is Barclays' 6/24 rule, meaning you cannot have opened more than 6 new credit card accounts from any issuer in the past 24 months. Furthermore, applicants are generally not eligible for the welcome bonus if they have received a bonus for this specific product or a closely related variant within the last 24 months.
Max Cards Per Issuer: 3
Min Spend Interval: 3 months
Cliff Effect Rules: Barclays typically enforces a 'one bonus per product family' rule, meaning you may not be eligible for a welcome bonus if you currently hold or have held a similar premium Barclays card within a specified timeframe (e.g., 24-48 months). This rule prevents earning multiple bonuses from closely related card products.
Special Events: N/A
Holiday Promos: N/A
International Friendly: Yes
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 4.0 / 5.0
Top Positive:
Strong cash back on Seated purchases, good bonus categories for dining/entertainment/groceries, no annual fee, and a decent sign-up bonus.
Top Negative:
Cash back is tied to Seated, which might limit its general appeal; rewards structure is good but not top-tier for all categories compared to some specialized cards.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Capital One SavorOne Cash Rewards Credit Card
- Chase Freedom Flex
- Citi Custom Cash Card
Card Value Score: 80.0 / 100
Est. Annual Rewards: $270.00
Approval Probability: 85.0%
Version Control
PENDINGVersion ID: v1.0