World Mastercard Elite

Benjamin Rewards Program Agreement: For more information about the Benjamin Credit Card rewards program, view the latest Benjamin Rewards Program Agreement in a new window. We will mail your Rewards Program Agreement once your account is established. If you become a Benjamin Online customer, your Benjamin Rewards Program Agreement will also be available after logging in to your account at

Cash Back and Points: "Cash Back rewards" are the rewards you earn under the program. Cash Back rewards are tracked as points and each $1 in Cash Back rewards earned is equal to 100 points; this value may change from time to time per the terms and conditions of the Benjamin Rewards Program Agreement. You may simply see "Cash Back" in marketing materials when referring to the rewards you earn. You may also see, "points" or "Benjamin Reward points" when referring to the points you can use. How you can earn points: You'll earn points on purchases of products and services, minus returns or refunds, made with a Benjamin Credit Card card by you or an authorized user of the account. Buying products and services with your card, in most cases, will count as a purchase; however, the following types of transactions won't count and won't earn points: Balance transfers, cash advances or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, fees of any kind, including an annual fee, if applicable. 

2% Cash Back on dining and selected subscriptions: You'll earn 2% Cash Back rewards total for each $1 spent on purchases in the following rewards categories: dining at restaurants and selected subscriptions (Netflix, HBO Max, Hulu, Fubo TV, Amazon Prime, Apple Music, Starz, Tidal, Disney+, Spotify, and others at the discretion of Benjamin). 

1% Cash Back on at gyms and fitness centers, and insurance: You'll earn 1% Cash Back rewards total for each $1 spent on purchases in the following rewards categories: purchases at gyms and fitness centers, and selected insurances (renter’s insurance, home insurance, health insurance). 

How you can use your points: You can use your points to redeem for any available reward options, including cash, statement credits, gift cards, travel, and pay with points for products or services made available through the program or directly from third-party merchants.  Redemption values for reward options vary. 

Points expiration/losing points: Your points don't expire as long as your account is open and in good standing, however, you'll immediately lose all your points if your account status changes, or your account is closed for program misuse, fraudulent activities, failure to pay, bankruptcy, or other reasons described in the terms of the Benjamin Rewards Program Agreement. 

Rewards Categories: Merchants who accept Mastercard credit cards are assigned a merchant code, which is determined by the merchant or its processor in accordance with Mastercard procedures based on the kinds of products and services they primarily sell. We group similar merchant codes into categories for purposes of making rewards offers to you. Please note: We make every effort to include all relevant merchant codes in our rewards categories. However, even though a merchant or some of the items that it sells may appear to fit within a rewards category, the merchant may not have a merchant code in that category. When this occurs, purchases with that merchant won't qualify for rewards offers on purchases in that category. Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, online or mobile digital wallets, or similar technology will not qualify in a rewards category if the technology is not set up to process the purchase in that rewards category.