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Card Economics

Annual Fee: $99
Ongoing Annual Value: −$79
First-Year Value Estimate: $263
Net Value: −$178

Card type: PersonalForeign transaction fee: NoneCurrency: Cathay Pacific Asia Miles

Cathay World Elite Mastercard

Synchrony

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Sign-up Bonus

38K miles after $3K spend in the first 90 days

Earning Structure

3XCathay Pacific purchases3.3%

3XHong Kong Express purchases3.3%

2XDining2.2%

1XAll other purchases1.1%

Highlighted categories return more than 2%, the rate a flat 2% cash-back card pays on everything.

Is this the best card for Cathay Pacific purchases?Is this the best card for Hong Kong Express purchases?Is this the best card for Dining?

Benefits

Worth it for me?

Lounge Access (1)

Cathay Pacific Business Class Lounges (Unlimited) — paid guests allowed

Elite Status (1)

Cathay Pacific Asia Miles: Earn 10 Status Points for every USD $5K in eligible purchases each month, up to a maximum of 100 Status Points per calendar year.

Other Perks

Up to 15% off Economy Flex/Essential/Light fares and 10% off Business/Premium Economy with promo code CXSYF15OFF through 12/31/26 on eligible flights departing from US
Priority check-in at Premium Economy class airport check-in counters for primary cardholders and travel companions
Priority boarding (present physical card to board with premium economy group)
10% redemption discount on car rental, experience and hotel awards with Asia Miles
10% savings on Asia Miles Gift Miles and Mileage Transfer Fee transactions
World Elite Mastercard benefits including concierge access