What Benefits Come With a World Elite Mastercard?

The highest of Mastercard's three benefit levels includes all the perks of the lower tiers, plus a few extras.
Lindsay Konsko
By Lindsay Konsko 

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.


"World Elite" is the highest of the three levels of Mastercard benefits. It includes all the benefits of the lower two tiers — "Standard" and "World" — plus a few of its own, including concierge service and benefits at specific merchants.

🤓Nerdy Tip

The benefits listed here are offered by Mastercard, but individual card issuers have some discretion in which benefits are actually included on a specific card. Plus, issuers often offer benefits beyond those provided by Mastercard. The Mastercard benefits website warns: "Additional terms, conditions and exclusions apply. Contact your issuing financial institution for complete coverage terms and conditions."

Standard benefits included in World Elite

These benefits are included on all Mastercard credit cards, at all levels:

  • Zero fraud liability.

  • Mastercard Global Service, a worldwide hotline for emergency assistance.

  • Identity theft protection, which monitors your credit for suspicious activity.

World benefits included in World Elite

The biggest jump in value occurs when you move from the Standard level to World level. These benefits are included on middle-tier World Mastercard cards, and they roll up to the World Elite level:

  • Cell phone insurance. (World Elite cardholders get a bigger claim limit than World cardholders. See below.)

  • "Mastercard Travel & Lifestyle Services," a suite of benefits that includes trip planning assistance, a lowest hotel rate guarantee, a hotel satisfaction guarantee, luxury hotel benefits and an airport concierge service.

  • Discounts and memberships, including for Shoprunner, Onefinestay and "exclusive golf offers and experiences."

World Elite-only benefits

  • Cell phone insurance. Pay your monthly cell bill with your card and get coverage against damage or theft for up to $800 per claim (maximum $1,000 per year). There's a $50 deductible. (At the World level, the per-claim limit is $600.)

  • Concierge service. Help with getting tickets, making dinner reservations and other tasks is available by phone. This benefit used to be offered at the World level but has been kicked up to World Elite.

  • Fandango. Get $5 off future movie tickets or at-home purchases for every two movie tickets you buy.

  • Lyft. Earn a $10 Lyft credit when you take at least five Lyft rides in a calendar month and pay with your card. The credit expires after 30 days and is good only for future rides. (It's not a credit for past rides.)

  • Boxed. Earn 5% "cash rewards" on purchases from this online wholesale club. Rewards apply only to the price of goods, not taxes, fees, shipping and handling. Rewards can be used for future Boxed purchases.

Find the right credit card for you.

Whether you want to pay less interest or earn more rewards, the right card's out there. Just answer a few questions and we'll narrow the search for you.

Get Started
Get more smart money moves – straight to your inbox
Sign up and we’ll send you Nerdy articles about the money topics that matter most to you along with other ways to help you get more from your money.