World Elite Mastercard Benefits Complete Guide [2025]: Don't Miss Out on These Perks

The World Elite Mastercard is the highest level of Mastercard's three benefit levels, right above the Mastercard and the Mastercard levels. It offers a range of benefits and perks, many of which are geared towards improving travel and lifestyle experiences. This includes trip planning assistance, a lowest hotel rate guarantee, a hotel satisfaction guarantee, luxury hotel benefits, and an airport concierge service.

In addition to these, the World Elite Mastercard offers a concierge service that can help with tasks like getting tickets or making dinner reservations. These benefits come with certain Mastercard credit cards. In this guide, we'll explore Mastercard benefits, including World Mastercard and World Elite Mastercard benefits.

Key takeaways

• World Elite Mastercard is the highest level of Mastercard, offering a range of benefits and perks focused on travel and lifestyle experiences.
• World Mastercard and World Elite Mastercard are the top two tiers of Mastercard, providing the most extensive benefits. Many of the best travel credit cards fall into one of these two Mastercard tiers.
• World Elite Mastercard can help you get free or reduced membership to various services, including online protection, food delivery, and transportation.
• Some notable World Elite Mastercard benefits include zero liability protection, global service hotline, identity theft protection, McAfee subscription, priceless experiences, golf experiences, hotel stay and rate guarantees, airport concierge, professional travel services, luxury hotel and resort benefits, and more. These benefits can vary by card issuer and specific card.

Compare Mastercard, World Mastercard, and World Elite Mastercard benefits

The highest Mastercard tier is the World Elite Mastercard, followed by the World Mastercard. These two tiers offer the most and best benefits. When you compare credit cards, you'll find that some of the best travel credit cards offer one of these two tiers.

The following table shows which benefits are included for the standard Mastercard, World Mastercard, and World Elite Mastercard tiers.

World Elite Mastercard benefits

It's nice to see long lists of perks, but how useful are all these Mastercard benefits? Let's go over each of the World Elite Mastercard benefits in more detail so you can decide which are potentially the most valuable to you.

Zero liability protection

Mastercard's zero liability protection covers you in the event your card is lost or stolen and someone uses it to make unauthorized purchases. This applies to in-store purchases, over-the-phone purchases, online purchases, purchases made from a mobile device, and ATM transactions. You must immediately contact your financial institution if your card is lost or stolen to not be held responsible for unauthorized purchases.

Global service hotline

Mastercard's global service hotline is available virtually to offer emergency assistance whenever you need it, in any location, and in any language. It can help you report a lost or stolen card and help you get a replacement card if you need it. It can also answer any questions about your account or help you find an ATM location.

Identity theft protection

Millions of people are victims of identity theft each year in the U.S., which is why Mastercard offers free identity theft protection. This benefit can help you monitor changes on your credit that may indicate fraud, including new accounts opened in your name or new credit inquiries.

You'll be sent alerts about detected suspicious activity so you can immediately work to mitigate any potential damage. Mastercard ID theft protection specialists are available 24/7 to help you take the necessary steps to further protect your accounts and resolve existing issues.

McAfee subscription

You can improve your online security and protection using this 13-month subscription to McAfee Total Protection. You still need to pay $29.50, but this compares to an original cost of $119.99.

You can use this McAfee Total Protection offer for up to 5 devices, including Windows, macOS, Android, and iOS devices. McAfee Total Protection includes a secure VPN, a password manager, and more.

Priceless experiences

Priceless offers Mastercard cardholders exclusive access to a wide range of experiences. This may include culinary, travel, celebrity experiences, and more. Past experiences have included virtual tours of popular global landmarks, cooking classes, and sending messages to loved ones from famous athletes.

Golf experiences and offers

Mastercard's Priceless Golf program provides Mastercard World Elite cardholders with exclusive golf offers and experiences. This includes access to private country club golf courses across North America, savings on Topgolf reservations, and access to multiple golf tournaments and events.

Hotel stay and rate guarantees

If you aren't satisfied with your three-star or higher hotel stay booked through the Mastercard Travel & Lifestyle Services program, a designated agent will help to resolve your issue(s) or find you comparable accommodations thanks to the Mastercard hotel stay guarantee.

The hotel rate guarantee gives you pece of mind by ensuring that if you've booked a qualifying hotel stay through the Mastercard Travel & Lifestyle Services program and you find the same booking at a lower price online, you can submit a claim to receive a reimbursement for the difference.

Airport concierge

You can schedule a dedicated agent to guide you through any of over 700 airport destinations worldwide through which you're arriving, departing, or connecting on a flight. These agents are available 24/7 to help ease your process of traveling through a new airport.

Professional travel services

Use this Mastercard benefit to get professional help planning your upcoming trip. Experienced travel advisors are available 24/7 to offer assistance for your travel needs. As you provide more of your preferences, you'll receive more personalized and curated results.

Luxury hotel and resorts benefits

The Mastercard luxury hotel and resorts portfolio provides valuable benefits for travelers who can take advantage of the program. This includes free daily breakfast, available room upgrades, and a special amenity gift worth up to $100. In addition, you'll also receive complimentary early check-in and late checkout when available.

Car, air, cruise, and vacation packages

If you're planning a trip, you could save money by checking for exclusive discounts and benefits through Mastercard. You automatically receive elite membership status with car rental agencies like National, Avis, and Sixt. Plus, you might find deals on other aspects of your travel as well.

World Elite concierge

Receive complimentary access to a 24/7 concierge that functions similarly to a personal assistant. Your World Elite concierge can help with specific needs and requests, which makes this a helpful and unique benefit. If you need tickets to a sold-out concert or want to reserve a table at a popular restaurant, contact your World Elite concierge for assistance.

ShopRunner membership

Receive a free ShopRunner membership as a Mastercard World Elite cardholder. ShopRunner members get free two-day shipping and free return shipping on purchases from over 100 online retailers. Popular stores include Saks Fifth Avenue, Under Armour, and Tommy Hilfiger.

Lyft rewards

If you take three eligible Lyft rides in a month and pay with your Mastercard World Elite credit card, you'll receive $5 in Lyft credit. This credit is limited to once per month.

DoorDash membership

You can enjoy DoorDash membership for free for three months. This membership gives you a $0 delivery fee, reduced service charges, and exclusive savings and offers through DashPass. You also get $5 off your first order every month.

Fandango rewards

Receive $5 off future movie tickets or at-home purchases whenever you spend $20 on movie tickets at Fandango or at home on Vudu with your Mastercard World Elite credit card.

Our favorite World Mastercard and World Elite Mastercard cards

There are loads of World Mastercard and World Elite Mastercard credit cards, but we've picked a few of our favorites to give you an idea of what's available.

Chase Freedom Flex^®

The Chase Freedom Flex^®(Rates and fees) is a unique Chase card because it's part of the Mastercard network, whereas many other Chase credit cards are Visa. This is a huge benefit because it's part of the Mastercard World Elite program.

The Chase Freedom Flex earns valuable Chase Ultimate Rewards points at a rate of 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Plus, earn 5% cash back on travel purchased through Chase Travel℠, 3% on dining and drugstores, and 1% on all other purchases.

Because this card has a $0 annual fee, it makes sense for daily spending and everyday purchases in its bonus categories. With its great earning potential and benefits such as cell phone protection and purchase protection, the Chase Freedom Flex is one of the best cashback credit cards available.

The Freedom Flex also has the added Mastercard benefit of extended warranty that extends U.S. manufacturer's warranties by one year on eligible purchases.

Learn more about this card with our Chase Freedom Flex review.

JetBlue Plus Card

The JetBlue Plus Card is an excellent option for travelers who can take advantage of flying JetBlue Airways on a frequent basis. This Barclays credit card is part of the World Elite Mastercard program and earns 6X points on JetBlue purchases, 2X points at restaurants and grocery stores, and 1X points per $1 spent on all other purchases. It does have a $99 annual fee, but you can offset the annual cost with the card's benefits.

Benefits include 5,000 anniversary points each year, a 50% discount on in-flight cocktail and food purchases, and a free checked bag for you and up to three companions traveling on the same reservation. You'll also be able to earn elite status with JetBlue more easily with this card.

For another World Elite Mastercard card with different air travel benefits, consider the Citi^® / AAdvantage^® Platinum Select^® World Elite Mastercard^® if you're a frequent flyer of American Airlines.

Check out our JetBlue Plus Card review.

Citi Double Cash^® Card

The Citi Double Cash^® Card is often issued as a World Mastercard, but sometimes you might see it as a World Elite Mastercard as well. However, the World Elite upgrade will likely happen after you've already had the World Mastercard version and later become eligible for an upgrade.

This card is often regarded as one of the best rewards credit cards available because of its high earning potential. You can earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases; plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel. Even better, there's no limit to how much cash back you can earn, no category restrictions on purchases, and it has a $0 annual fee.

The Citi Double Cash also offers a 0% intro APR on balance transfers for the 18 months after account opening (then 17.74% - 27.74% (Variable)).

Get more details at our Citi Double Cash^® Card review.

Limited-Time Offer

2025 award winner Best Checking and Savings Combo

SoFi Checking and Savings

5.0

FinanceBuzz writers and editors score products and companies on a number of objective features as well as our expert editorial assessment. Our partners do not influence our ratings.

Learn More on SoFi's secure website, Member FDIC

APY

4.30% Annual percentage yield (APY) is variable and subject to change at any time. Rates are current as of 11/12/25. There is no minimum balance requirement. Fees may reduce earnings. Additional rates and information can be found at https://www.sofi.com/legal/banking-rate-sheet

Minimum Balance for APY

$0

Bonus Offer

Up to $300 New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period) OR $300 (with at least $5,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period). Cash bonus will be based on the total amount of Eligible Direct Deposit. If you have satisfied the Eligible Direct Deposit requirements but have not received a cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 1/31/2026. Full terms at sofi.com/banking. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC.SoFi members with Eligible Direct Deposit can earn 3.60% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the 3.60% APY for savings (including Vaults). Members without Eligible Direct Deposit will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 11/12/25. There is no minimum balance requirement. Fees may reduce earnings. Additional information can be found athttp://www.sofi.com/legal/banking-rate-sheet.

Why We Like It

• Limited-Time Offer: Earn a $50 or $300 bonus and up to 4.30% APY on Savings (3.60% APY¹ <p>New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period) OR $300 (with at least $5,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period). Cash bonus will be based on the total amount of Eligible Direct Deposit. If you have satisfied the Eligible Direct Deposit requirements but have not received a cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 1/31/2026. Full terms at sofi.com/banking. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC.</p><p>SoFi members with Eligible Direct Deposit can earn 3.60% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the 3.60% APY for savings (including Vaults). Members without Eligible Direct Deposit will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 11/12/25. There is no minimum balance requirement. Fees may reduce earnings. Additional information can be found at<a href="http://www.sofi.com/legal/banking-rate-sheet" >http://www.sofi.com/legal/banking-rate-sheet</a>.</p> with +0.70% APY Boost) for 6 Months on new accounts with eligible direct deposit. Terms Apply.² <p>Earn up to 4.30% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.60% APY as of 11/12/25) for up to 6 months. Open a new SoFi Checking and Savings account and&nbsp;pay the $10 SoFi Plus subscription every 30 days OR receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 1/31/26. Rates variable, subject to change. Terms apply at&nbsp;<a href="https://www.sofi.com/banking/#2">sofi.com/banking#2</a>. SoFi Bank, N.A. Member FDIC.</p>
• No account, overdraft, or monthly fees³ <p>We do not charge any account, service or maintenance fees for SoFi Checking and Savings. We do charge a transaction fee to process each outgoing wire transfer. SoFi does not charge a fee for incoming wire transfers, however the sending bank may charge a fee. Our fee policy is subject to change at any time. See the SoFi Checking & Savings Fee Sheet for details at <a href="http://sofi.com/legal/banking-fees/">sofi.com/legal/banking-fees/</a></p>
• Get your paycheck up to two days early with direct deposit⁴ <p>Early access to direct deposit funds is based on the timing in which we receive notice of impending payment from the Federal Reserve, which is typically up to two days before the scheduled payment date, but may vary.</p>
• Access additional FDIC insurance up to $3 million⁵ <p><b style="font-family: Rubik, -apple-system, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, &quot;Helvetica Neue&quot;, Arial, sans-serif;">SoFi Bank is a member FDIC and does not provide more than $250,000 of FDIC insurance per depositor per legal category of account ownership, as described in the FDIC’s regulations.&nbsp;Any additional FDIC insurance is provided by the SoFi Insured Deposit Program. Deposits may be insured up to $3M through participation in the program. See full terms at&nbsp;<a href="http://sofi.com/banking/fdic/sidpterms">SoFi.com/banking/fdic/sidpterms</a>. See list of participating banks at <a href="http://sofi.com/banking/fdic/participatingbanks">SoFi.com/banking/fdic/participatingbanks</a>.</b></p>

Learn More on SoFi's secure website, Member FDIC

Openbank High Yield Savings

4.7

FinanceBuzz writers and editors score products and companies on a number of objective features as well as our expert editorial assessment. Our partners do not influence our ratings.

Learn More on Openbank's Secure Website, FDIC Insured

APY

4.20% Interest Rates and Annual Percentage Yields (APYs) are accurate as of 12:01 AM ET September 23, 2025. The products and rates we offer may vary between locations, are available in select markets only, and are subject to change without notice. Rate for this product will be based on the residential ZIP code entered when account is opened within online application process. This is a variable-rate account and the rate applicable may change at our discretion any time without notice. A minimum deposit of $500 is required to open a Openbank High Yield Savings account. Personal accounts only.Openbank is a division of Santander Bank, N.A. Member FDIC. There is a maximum of $250,000 of deposit insurance from the FDIC per depositor for each category of account ownership. Visit FDIC.gov for details. Deposits at Santander Bank, N.A., and Openbank are combined for the purposes of calculating FDIC insurance limits (FDIC Cert #29950) and are not separately insured.

Minimum Balance for APY

$500

Bonus Offer

N/A

Why We Like It

• Earn 10x the national savings average for Savings deposit products as published on FDIC.gov⁶ <p>Interest Rates and Annual Percentage Yields (APYs) are accurate as of 12:01 AM ET September 23, 2025. The products and rates we offer may vary between locations, are available in select markets only, and are subject to change without notice. Rate for this product will be based on the residential ZIP code entered when account is opened within online application process. This is a variable-rate account and the rate applicable may change at our discretion any time without notice. A minimum deposit of $500 is required to open a Openbank High Yield Savings account. Personal accounts only.</p> <p>Openbank is a division of Santander Bank, N.A. Member FDIC. There is a maximum of $250,000 of deposit insurance from the FDIC per depositor for each category of account ownership. Visit FDIC.gov for details. Deposits at Santander Bank, N.A., and Openbank are combined for the purposes of calculating FDIC insurance limits (FDIC Cert #29950) and are not separately insured.</p>
• FDIC insured: Enjoy the peace of mind that comes with being FDIC insured up to $250,000.
• No fees: Keep more of your money with no fees.
• Industry leading account security: Trusted device verification with face or fingerprint for fast, secure access.

Learn More on Openbank's Secure Website, FDIC Insured

Limited-Time Offer

Excellent For High Interest From a Trusted Institution

Western Alliance Bank High-Yield Savings

4.3

FinanceBuzz writers and editors score products and companies on a number of objective features as well as our expert editorial assessment. Our partners do not influence our ratings.

Learn More on Raisin's secure website, Member FDIC

APY

3.90% APY means Annual Percentage Yield. APY is accurate as of 11/26/25. Interest rate and APY may change after initial deposit depending on the terms of the specific product selected. Minimum opening deposit is $1.00.

Minimum Balance for APY

$1

Bonus Offer

$15 - $400 Each quarter; See site for full details New customers only. Earn a cash bonus when you deposit and maintain funds with partner banks on the Raisin platform. Customers will receive $15 quarterly (up to $60/year) for depositing between $10,000 and $24,999, $38 quarterly (up to $150/year) for depositing between $25,000 and $49,999, $75 quarterly (up to $300/year) for depositing between $50,000 and $99,999, $150 quarterly (up to $600/year) for depositing between $100,000 and $249,999, and $400 quarterly (up to $1,600/year) for depositing $250,000 or more. To qualify for the bonus, you must be a new Raisin customer who opens and funds their first account using promo code GIFT between December 1 and December 31, 2025. Your first qualifying deposit must be made before January 14th, 2026 to be eligible for the first quarter's bonus. You must maintain your balance through the end of each quarter to earn cash payouts every three months. You can add more funds before the bonus deposit deadline (April 14, July 14, October 14) if you'd like to move up to a higher bonus tier.Bonus cash will be deposited by Raisin into the customer’s Cash Account within 30 days of the quarter's end. This offer is available to new customers only and may not be combined with any other bonus offers. Raisin reserves the right to modify or terminate this offer at any time. For full details, please visit https://www.raisin.com/en-us/gift-2026.

Why We Like It

• Limited-Time Offer: Use code GIFT to earn a cash bonus each quarter based on your savings balance. Earn $15 for $10,000, $38 for $25,000, $75 for $50,000, $150 for $100,000, or $400 for $250,000 or more. Visit site for full details.⁷ <p>New customers only. Earn a cash bonus when you deposit and maintain funds with partner banks on the Raisin platform. Customers will receive $15 quarterly (up to $60/year) for depositing between $10,000 and $24,999, $38 quarterly (up to $150/year) for depositing between $25,000 and $49,999, $75 quarterly (up to $300/year) for depositing between $50,000 and $99,999, $150 quarterly (up to $600/year) for depositing between $100,000 and $249,999, and $400 quarterly (up to $1,600/year) for depositing $250,000 or more. </p><p>To qualify for the bonus, you must be a new Raisin customer who opens and funds their first account using promo code GIFT between December 1 and December 31, 2025. Your first qualifying deposit must be made before January 14th, 2026 to be eligible for the first quarter's bonus. You must maintain your balance through the end of each quarter to earn cash payouts every three months. You can add more funds before the bonus deposit deadline (April 14, July 14, October 14) if you'd like to move up to a higher bonus tier.</p><p>Bonus cash will be deposited by Raisin into the customer’s Cash Account within 30 days of the quarter's end. This offer is available to new customers only and may not be combined with any other bonus offers. Raisin reserves the right to modify or terminate this offer at any time. For full details, please visit https://www.raisin.com/en-us/gift-2026.</p>
• Earn 3.90% (as of 11/26/25) APY⁸ <p>APY means Annual Percentage Yield. APY is accurate as of 11/26/25. Interest rate and APY may change after initial deposit depending on the terms of the specific product selected. Minimum opening deposit is $1.00.</p> from a trusted, top U.S. bank
• Enjoy 24/7 online access to your account and funds
• Powered by Raisin's intuitive savings marketplace
• FDIC insured, no fees, $1 minimum deposit

Learn More on Raisin's secure website, Member FDIC

Limited-Time Offer

Excellent Rate For High Balances

CIT Bank Platinum Savings

4.3

FinanceBuzz writers and editors score products and companies on a number of objective features as well as our expert editorial assessment. Our partners do not influence our ratings.

Learn More on CIT Bank's secure website, Member FDIC

APY

3.85% Platinum Savings is a tiered interest rate account. Interest is paid on the entire account balance based on the interest rate and APY in effect that day for the balance tier associated with the end-of-day account balance. APYs — Annual Percentage Yields are accurate as of Nov. 20 2025: 0.25% APY on balances of $0.01 to $4,999.99; 3.75% APY on balances of $5,000.00 or more. Interest Rates for the Platinum Savings account are variable and may change at any time without notice. The minimum to open a Platinum Savings account is $100.

Minimum Balance for APY

$5,000

Bonus Offer

Up To $300

Why We Like It

• Limited-Time Offer: Earn a $225 cash bonus when you deposit $25,000, or a $300 cash bonus when depositing $50,000 or more⁹ <p>This limited time offer to qualify for a $225 cash bonus with a minimum deposit of $25,000 or a $300 bonus with a minimum deposit of $50,000 is available to New and Existing Customers who meet the Platinum Savings promotion criteria. The Promotion begins on September 23, 2025 and can end at any time without notice. Customers will receive a $225 or a $300 bonus provided that the program requirements are met:</p><p>New CIT Bank Customers: Offer valid for a New CIT Bank Customer, who, at account opening, does not have a valid CIT Bank User ID (a “New Customer”), or any open CIT Bank accounts provided that the following requirements are met:</p><p><b>Offer Requirements</b></p><p>New customers must open a Platinum Savings account with a valid Promo Code, “PS2025.” The Platinum Savings account Bonus Promo Code will appear on the online account opening enrollment web page. The Promo Code must be used at the time of account opening. Accounts opened during the program period without the Promo Code are ineligible to receive the bonus.</p><p>New customers must deposit at least $25,000 for a $225 bonus, or at least a minimum of $50,000 for a $300 bonus into the enrolled Platinum Savings account within the first 30 calendar days following account opening (the “Funding Period”). The single or multiple deposit(s) of $25,000 or $50,000 or more used to fund the account must come from a funding source outside of CIT Bank. Transfers from existing CIT Bank accounts will not qualify. Funds already on deposit with CIT Bank are ineligible.</p><p>The enrolled Platinum Savings account must be open at the time of the bonus payment to qualify.</p>
• Earn 3.75% APY on balances of $5,000 or more¹⁰ <p>Platinum Savings is a tiered interest rate account. Interest is paid on the entire account balance based on the interest rate and APY in effect that day for the balance tier associated with the end-of-day account balance. APYs — Annual Percentage Yields are accurate as of Nov. 20 2025: 0.25% APY on balances of $0.01 to $4,999.99; 3.75% APY on balances of $5,000.00 or more. Interest Rates for the Platinum Savings account are variable and may change at any time without notice. The minimum to open a Platinum Savings account is $100.</p>
• No account opening or monthly services fees
• Enjoy unlimited transfers and withdrawals each month (many savings accounts have monthly limits)
• Member FDIC

Learn More on CIT Bank's secure website, Member FDIC

World Elite Mastercard FAQ

World Elite Mastercard benefits: bottom line

World Mastercard and World Elite Mastercard benefits offer a lot more value than what you'd find on a standard Mastercard credit card. However, between the two highest Mastercard tiers, there's not too much that's different. It may not be worth it to specifically apply for a card because of its World Elite Mastercard benefits, but they can be useful if one of your cards already has these benefits.

Seriously Powerful Cashback Card

Chase Freedom Flex^®

4.7

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Chase Freedom Flex^®

Apply Now

Rates and fees

Current Offer

Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening

Annual Fee

$0

Rewards Rate

5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Plus, earn 5% cash back on travel purchased through Chase Travel℠, 3% on dining and drugstores, and 1% on all other purchases

Benefits and Drawbacks

Benefits

• $0 annual fee
• Flexible rewards redemption
• Some travel perks and purchase protection
• Can earn a $200 bonus after you spend $500 on purchases in your first 3 months from account opening

Drawbacks

• 5% cash back on rotating categories capped at $1,500 per quarter
• Must remember to activate categories
• Foreign transaction fee: 3%
• Base rewards rate of 1% cash back

Card Details

• Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
• 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
• 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
• 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
• No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
• 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.49%-27.99%.
• No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Flex® card
• Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
• Member FDIC