A public reference for this card's annual fee, benefit schedules, earning rules, and protections. Use it to understand what belongs to the card before you decide what to track.
Review this card's recorded earning rules before you move into its benefit windows and protections.
Expand a row for its recorded terms. Amounts describe the catalog rule, not automatic redemption or transaction matching.
1 recorded
$100 in Bilt Travel hotel credits each calendar year. Issued as two $50 semi-annual credits (Jan-Jun and Jul-Dec). Minimum two-night stay required through Bilt Travel portal
Opt-in to report rent payments to all three major credit bureaus (Experian, Equifax, TransUnion) to help build credit history
Earn 4% back in Bilt Cash on everyday purchases in addition to Bilt Points. Bilt Cash expires December 31 each year; up to $100 rolls over annually
No foreign transaction fees on purchases made abroad
Transfer points 1:1 to airline and hotel partners including United, American Airlines, Aeroplan, Flying Blue, Hyatt, Marriott Bonvoy, Hilton Honors, IHG One Rewards
Up to $800 per claim for damage or theft when you pay your monthly phone bill with the card. $50 deductible, max 2 claims and $1,000 total per 12 months
Up to $1,000 per occurrence, $50,000 per year. Covers theft or damage within 90 days of purchase
Doubles manufacturer warranty on items with original warranty of 24 months or less. Up to $10,000 in coverage
Up to $300 per trip for delays of more than 6 hours. Maximum 1 claim per 12-month period
Up to $2,000 per covered trip, $5,000 per account per 12-month period for eligible cancellations or interruptions
Up to $1,500 per incident for lost or damaged checked or carry-on luggage. Maximum 2 claims per 12-month period
Secondary car rental insurance for rentals of less than 31 consecutive days. Must decline the rental company CDW. Secondary in country of residence, primary outside
Earn status tiers based on points earned: Blue (<25K), Silver (25K-49K), Gold (50K-99K), Platinum (100K+). Higher tiers unlock additional benefits
Up to $800 per claim for damage or theft when you pay your monthly cell phone bill with a World Elite Mastercard. $50 deductible per claim, up to 2 claims per 12-month period, $1,000 maximum per account per year. Coverage is excess of any other applicable insurance.
Access to Mastercard Travel & Lifestyle Services including trip planning assistance, lowest hotel rate guarantee, hotel satisfaction guarantee, and Luxury Hotels & Resorts collection with complimentary room upgrades, breakfast, and amenity credits at 3,000+ properties worldwide.
Access to curated Priceless experiences and events through the Mastercard Priceless marketplace.
$5 Lyft credit by taking 3 eligible rides in a calendar month. Limit one credit per calendar month. Valid through 1/31/2027.
2-month free trial of Instacart+ for new members, plus $10 off second eligible Instacart purchase each month. Valid through 1/31/2027.
$5/month off Peacock Premium Plus or $3/month off Peacock Premium when paid with a World Elite Mastercard. Valid through 12/31/2027.
Complimentary 24/7 concierge service for travel reservations, restaurant bookings, event tickets, and other assistance.
Credit file monitoring for fraud, alert notifications about suspicious activity, and resolution specialist assistance.
Zero liability protection on unauthorized transactions — you are not responsible for unauthorized purchases made with your card.
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