Rewards
Base earn rate1 point per $1 spent on all other purchases
ProgramFlex Rewards
Welcome bonusEarn 10x bonus Flex Rewards points on every purchase during your first 90 days when you apply for the Cash Back World Elite Mastercard before March 31, 2026
Rewards typepoints
Fees & rates
Annual fee$120
Additional card$50
Purchase interest rate20.99%
Foreign transaction fee2.5% (typical)
Standout perks
✈️
Access to 1300+ airport lounges worldwide and other services via Mastercard Travel Pass provided by DragonPass
💳
24/7 Travel Assistance
⭐
Zero Liability Fraud Protection
⭐
Hertz Auto Rental Discounts
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
Insurance coverage
🛡️
travel medical
Included — see issuer for details.
🛡️
baggage delay
Included — see issuer for details.
🛡️
rental car
Included — see issuer for details.
🛡️
purchase protection
Included — see issuer for details.
🛡️
extended warranty
Included — see issuer for details.
🛡️
mobile device
Included — see issuer for details.
Eligibility
Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident