LATAM Airlines World Elite
First Electronic Bank$99 a yearWorld Elite MastercardNo foreign transaction feeIssuer's page
A fair time to apply if the card fits how you spend.
Already have it? Keep it if what you use each year covers the fee.
Welcome bonus
40,000miles
after $2,500 in purchases in the first 3 months
Family Rules, 1 per 60 Days and 1 more. Am I eligible?
A typical spender, at Miles' point values.
| First-year value | Amount |
|---|---|
| Welcome bonus40,000 points at 1¢ | $400 |
| Rewards above a 2% no-fee cardvs Double Cash, on $32,500 typical spend | +$41 |
| Annual fee | −$99 |
| Meeting the $2,500 minimumearns 1% here vs 2% on Double Cash | −$25 |
| First year | $317 |
| Each year after | −$58 |
Earning
| Rate | Category | Return |
|---|---|---|
| 3X | Dining | 3% |
| 3X | Transit | 3% |
| 4X | LATAM Airlines purchases | 4% |
| 3X | Rideshare | 3% |
| 1X | Everything else | 1% |
Personal card · Earns LATAM Pass
Where this card ranks
What this card returns on each page, priced against what its points are worth. Open a page to see the card it crowns and why.
Benefits
Lounge Access (1)
- LATAM Airlines Lounges (2 visits/year)
Elite status (1)
- LATAM Pass: 20% of the miles earned on the card also count as Qualifying Points toward LATAM Pass elite tiers.
Other Perks
- Two courtesy cabin upgrade segments per year: one within South America and one outside it
- DoorDash DashPass membership (3 months complimentary, then a $5 monthly credit), a $5 Lyft credit and a 5% HelloFresh credit
The LATAM Airlines family
Sources and methodology
First-year value is Miles' estimate for a typical spender: the welcome bonus at Miles' point values, plus the rewards this card earns above the best no-annual-fee card's everyday rate on a typical year of spending, plus credits at the share a typical holder uses rather than their face value, plus any certificate or free night earned in that year, minus the first-year fee and the cost of putting the minimum spend on this card instead of that one.
Lounge access, elite status, other benefits, purchase and travel protections, and a certificate or free night that arrives on the card's anniversary are listed beside the first-year figure, not in it. Each year after counts them, with the rewards and credits, less the annual fee. A credit or benefit that needs a spend or a stay counts only where its condition is printed beside it, and credits gated on spend most people never reach are left out.
The fee, offer, earning rates, credits and protections come from the card's record in the Miles dataset, kept against the issuer's own terms. The verdict line is chosen from a fixed set of sentences by Miles' analysis of the offer and the card; nothing on this page is written by hand for one card.
Recent changes
- changed from null to LATAM World EliteOct 8, 2026
- changed from null to 2500Aug 13, 2026
- changed from null to 90Aug 13, 2026
- changed from 40K miles after $2.5K spend in the first three months to 40K miles after $2.5K spend within the first three monthsAug 3, 2026
- addedAug 3, 2026