AAdvantage® Aviator™ Red World Elite MasterCard®
- 60,000 miles sign-up bonus.
- 24,000 miles for everyday spend.
MasterCard is a global payment network that brands a variety of credit cards. These cards come with global acceptance and are issued by various banks. Depending on the bank that issues your credit card, there are many types of rewards, sign-bonuses and travel benefits to be had.
In addition to partnering with banks, there is also an assortment co-branded airline, hotel and even cruise line MasterCard credit cards. Or you can choose a MasterCard with cashback rewards. Some cards come with a 0% introductory interest rate and others are no-fee cards, to name a few options.
But no matter what type of card you get, be sure to know all of the perks, benefits and rewards you are entitled to as a cardholder. Whether you use your MasterCard to shop or travel, there are a host of benefits you will receive at no additional cost that can save you both money and time.
There are three levels of MasterCard credit cards: the standard MasterCard, World MasterCard and World Elite MasterCard. Many of them earn rewards and have various benefits offered by the bank or issuer. In addition, MasterCard itself presents cardholders with separate benefits and services.
Cards branded with the World MasterCard logo have more travel benefits than the standard MasterCard, and the World Elite MasterCard lineup allows you to travel like a VIP with an extensive list of luxury travel benefits. These cards not only offer a broad range of perks, but they also give cardholders access to upgrades, savings and discounts in a number of travel-related programs, including airlines, hotels, rental cars and cruises. Though World Elite MasterCard credit cards are at the top, don’t underestimate the benefits of holding any MasterCard.
The short answer is absolutely. Depending on your travel and spending habits, this card may or not make sense for you after the first year when you start paying the annual fee, but earning 40,000 miles after meeting the minimum spend and earning 2X miles on all purchases are tremendous benefits. Not only that, but if this becomes your go-to card, miles will rack up fast, and with the 5 percent redemption bonus, that’s like earning 2.1 percent back on every purchase, every day. This card is just as good as any other cashback card currently on the market.
The Citi Simplicity card is consumer friendly, offering benefits not commonly found with other credit cards. Once approved, all your purchases for the first 21 billing cycles will not accrue any interest charges. Additionally, if you make a balance transfer within the first four months of opening your account, that balance will also get up to 21 months of no interest. Both are amazing offers!
How does this work? Your interest rate for those 21 months is set at 0% as opposed to a low or standard credit card interest rate. Don’t get carried away, though, because you still have a credit limit, and after those 21 months are up, you have to start paying interest on any remaining balance.
Capital One’s Quicksilver card is a great card for earning cash back. If you want to simplify your wallet and you value cash more than miles and points, this is the card for you. Since you can earn 1.5 percent back on every single purchase you make and never pay an annual fee, you can earn some serious cash on everyday purchases, big ticket items, all types of travel or whatever else you choose.
Again, since this card has no annual fee, there’s little downside to the Quicksilver credit card. Yet, it still comes with the elevated MasterCard World Elite protections. As far as travel cards go, this is not a premium card that helps earn status, free checked bags or lounge access, but if you’re an occasional traveler or prefer to fly economy, this card is still a good bet. The cashback you earn can be used toward travel or any other purchase you make. Flexibility makes this a great card.
The JetBlue card is a great card for casual JetBlue travelers. The lack of an annual fee makes the card free to hold. For anyone that spends a lot of money at grocery stores or at restaurants, the bonus categories on this card allow you to rack up a significant amount of points quickly. If you only fly JetBlue a few times a year and perhaps would not get enough value out of a card with better benefits that also carries and annual fee, this card may be for you.
Overall, the Diamond Resorts International credit card isn’t a great choice for almost anybody. While it does offer some benefits, there are other cards out there that offer more. No matter what you spend your money on, how much you spend or how you like to use your points, there’s probably a better option out there.
If you are a Diamond Resorts customer about to make a big down payment on a timeshare, you might find value in this card’s 0% APR offer. However, that offer is only for six months, and there are other cards available that offer 0% APR on new purchases for a year or more.
That said, since this card has no annual fee, there’s not much harm in getting it. You will earn the $19 sign-up bonus after the first purchase and you don’t need to spend anything in order to make it worth keeping the card long term.
This hotel credit card is a good all-around option for almost anybody. While IHG points aren’t the most valuable travel currency out there, the annual free night makes this card worth getting for just about anyone. Even if you don’t stay often in IHG hotels, having a full year to use their annual free night will certainly come in handy as they have hotels and resorts all over the place.
In addition, the Platinum Elite status can come in handy and being able to keep your IHG points active with a single purchase on your IHG credit card each year can go a long way. And when you do decide to redeem some points, you’ll get 10 percent of them back. Getting all of that for just $49 a year is pretty hard to beat, so this should be a card you consider keeping for a long time.
Do you regularly fly on Spirit Airlines? If the answer is yes, then you should probably get the Spirit Airlines World MasterCard. Not only does it offer a solid sign-up bonus and a generous earning scheme, but it also comes with a couple of benefits that Spirit frequent flyers really can’t do without.
Being a cardholder is the easiest way to keep your Free Spirit miles alive. Without the card, your miles will expire in just 90 days. While that betrays Spirit’s stingy, budget-obsessed business model, I suspect it’s really designed to be an incentive for Free Spirit members to get the credit card. With the card, you just have to make one purchase a month to save your miles.
The second perk that Free Spirit members shouldn’t do without is access to the cheapest redemption levels. Only cardholders can get the best deals on award flights. In essence, you can’t be a full member of Spirit’s frequent flyer program without the credit card.
Compare all credit cards by RE® Value, which is an estimate of how much you will earn during first year of credit card use minus annual fees.
Everyone who uses a MasterCard to make purchases will be entitled to some of the many standard benefits of being a cardholder. The perks offered by MasterCard range from shopping benefits to travel protections. There is an abundance of MasterCard credit cards that you can be apply for, and depending on the card, the benefits may vary. However, the following are some benefits offered by MasterCard, World MasterCard and World Elite MasterCard, regardless of which bank issued your credit card.
Some of the more common benefits offered by MasterCard enhance your shopping experience by providing you with additional confidence and comfort while shopping. Some of these benefits include:
MasterCard offers extended warranty protection. When you make a purchase with your MasterCard, the warranty offered by the manufacturer or the store will be doubled for up to one year of additional coverage. Your item may be repaired, replaced or even reimbursed in the event that the first two options are unavailable or costlier. This will cover an item for up to $10,000. The purchase does not have to be previously registered to receive this benefit.
When making purchases with your eligible MasterCard, you don’t always have to worry about waiting to find the best deal, thanks to price protection. If you find a better price on an item within 60 days of the purchase date, you can receive a reimbursement for the price difference.
Purchase assurance keeps MasterCard shoppers covered in the event that an item they purchased with their eligible MasterCard is either damaged or stolen. Purchase assurance covers eligible MasterCard holders for up to 90 days from the date of purchase. The maximum amount of coverage is $1,000 per claim and a $25,000 per account per year.
If a purchase is made with an eligible MasterCard and the store will refuse to accept your return, you may be eligible to receive a refund for the cost of the product for up to $250. The satisfaction guarantee covers your eligible purchases for up to 60 days.
MasterCard is the only payment brand in the United States that provides their American cardholders with identity theft detection and resolution services at no extra cost.
MasterCard’s identity theft protection program provides cardholders with expert resolution services that are available 24/7. If you ever feel your identity has been stolen, you can contact 1-800-Mastercard at any time and you will be assigned a certified specialist who will help you every step of the way.
This service tracks websites in order to identify if your personal information is being misused online.
In the event that you lose your wallet, MasterCard has experts available that will quickly assist you in the process of canceling and re-ordering important content that was lost with your wallet, including your cards and driver’s license.
Like many banks and credit issuers, MasterCard holders are entitled to zero liability on any unauthorized purchases they may have been charged to their account.
Aside from the benefits that work to enhance your general shopping experience and protect your account, there are also a number of benefits offered by MasterCard that can enhance your travel experiences. In order to be eligible for many of the best travel benefits you should have a World, World Elite or another eligible MasterCard. Many of the top travel credit cards by MasterCard have either the World or World Elite logo. Based on which MasterCard you have, you may be entitled to some of the following benefits.
As a World MasterCard cardholder, you can receive a Priority Pass membership discount of 25 percent. As a Priority Pass member, you have access to over 700 airport lounges in over 100 countries.
With a Word Elite MasterCard you’ll have access to unique travel experiences as well as special amenities. World Elite cardholders get to enjoy world class travel services, with added benefits and premium offers.
When planning travel over 100 miles from home, eligible MasterCard holders have access to services that will provide them with pre-trip assistance, including information about immunizations and visa/passport requirements. While away from home, MasterCard can assist you with lost/stolen travel documents, lost luggage, hospital transfers and referrals to physicians, attorneys, consulates and local embassies.
MasterCard holders can have emergency roadside assistance services arranged for them, including jumpstarts, tire changes, towing and gas delivery, in the event that they are stuck on the road. All service fees will be pre-negotiated and then billed to your eligible MasterCard. Cal 1-800-MC-ASSIST for help.
When booking and planning an upcoming trip with your eligible MasterCard, certain parts of your trip will be covered by MasterCard’s travel protection.
With baggage delay insurance, you can receive reimbursement if you have to replace any important personal or business items due to your luggage being delayed. To be eligible for baggage delay insurance, your luggage must have been checked on a common carrier and your ticket must have been purchased with your eligible MasterCard. You will be reimbursed up to $250 per claim. Cardholders are eligible for up to two claims in a 12-month period.
When using an eligible MasterCard to pay for a rental vehicle, you will have additional security when driving thanks to MasterCard’s Car Rental Collision Damage Waiver Insurance. If your rental vehicle endures any physical damage, or if it’s stolen, MasterCard will pay the rental car company what they are owed. To be eligible for this benefit, you must decline the collision damage waiver offered by the car rental company, abbreviated as CDW. This can save an average of $20 per day per rental.
By booking and paying for a hotel with an eligible MasterCard, you will receive Hotel/Motel Burglary Insurance. If any personal property is stolen from your hotel or motel room, you will receive a reimbursement of up to $1,500 per claim. Cardholders are eligible for two claims in a 12-month period.
If your flight is paid for with an eligible MasterCard, you are eligible to receive a reimbursement for the full cost of repairing or replacing your luggage if it is lost or damaged while traveling on a common carrier. This will cover up to $1,500 per incident for the repair or replacement of your luggage and the items within. This coverage applies worldwide.
In the event of accidental death or dismemberment, you and your family are covered if your tickets were purchased with an eligible MasterCard. There is a maximum benefit amount of $1,000,000 for international trips and $100,000 for domestic trips.
If your trip was paid for with an eligible MasterCard, you should be eligible for trip cancellation insurance. If your trip happens to be cancelled or interrupted, trip cancellation insurance will reimburse you for any non-refundable cancellation and change fees. In order for your flights to be eligible for trip cancellation insurance, they must be common carrier tickets. The maximum amount of this coverage is $7,500, less a $500 deductible.