Mastercard is one of the largest payment networks in the world, and owning a card with its famous interlocking circles may entitle you to perks and benefits beyond what your issuing bank offers. These perks can save you hundreds of dollars.

Although the bank establishes the main characteristics of your credit card, like any rewards, APR offers, every Mastercard offers base benefits which vary depending on the type.

There are three levels, or tiers, of Mastercard credit cards:

  • Standard
  • World
  • World Elite

Each tier offers an increasing number of perks and money-saving extras. The exact benefits on a Mastercard may vary depending on which items the issuing bank chooses to make available. In other words, a card from one bank labeled a World Mastercard may have different benefits than a World Mastercard from another bank.

Additionally, be aware that some issuers may not deem you eligible for the World Elite version of their card and, based on your overall creditworthiness, may issue you the World version instead.

Standard Mastercard Benefits

If your card is a standard Mastercard, these are the included benefits:

  • Zero liability protection. You’re not responsible for unauthorized charges made on your card.
  • Global service. Get emergency assistance anytime, anywhere and in any language. This includes reporting a lost or stolen card, obtaining an emergency card replacement or cash advance and finding an ATM.
  • ID theft protection. You can opt in to this service, which monitors your credit file for changes that could indicate fraud, sends you emergency alerts and assign you a resolution specialist if fraud is detected.
  • HealthLock. Get a complimentary membership, plus a 90-day upgrade, to HealthLock for Mastercard Medical Claim Monitor. The service monitors medical claims, watches for medical data breaches and automatically reviews claims for overbilling.
  • Booking.com. Through Sept. 30, 2025, get up to 7% off on prepaid stays booked through Booking.com.
  • MoviePass. Get 50% off your first two months of a standard or premium MoviePass plan through Sept. 30, 2025.

World Mastercard Benefits

World Mastercards come with the benefits mentioned above and typically include the following:

Peacock. Cardholders not currently subscribed to Peacock Premium or Peacock Premium Plus can get $3 off Premium or $5 off Premium Plus each month through March 31, 2025 when they use their eligible Mastercard to subscribe.

Instacart. Cardholders who are not existing Instacart+ members can get two free months of membership when they use their eligible Mastercard to enroll, and they can also get $10 off their second order each month through March 31, 2025.

ShopRunner. Get free two-day shipping and free return shipping at over a hundred online retailers.

Mastercard golf. Access to exclusive golf experiences with the PGA Tour and other golf benefits.

Professional travel services. Complimentary travel advisor services, available 24/7.

Priceless Experiences. Get access to in-person and digital cultural, dining, sports and entertainment experiences worldwide.

Hotel stay guarantee. If your three-star or higher-rated hotel isn’t working out, Mastercard will assign you a lifestyle manager to resolve your issue with the hotel or find you other suitable accommodations.

Lowest hotel rate guarantee. If you find the same prepaid hotel stay for less, Mastercard will refund you the difference.

Mastercard luxury hotel and resorts portfolio. When available, get complimentary room upgrades, early check-in and late checkout, daily breakfast for two and preferred amenities at more than 3,000 properties worldwide.

Car, air, cruise and vacation packages. Get discounts and upgrades on car rentals, hotel, flight bookings and more when you book with a Mastercard travel and lifestyle services specialist.

Airport concierge. With this service, you can arrange for an agent to escort you through the airport on departure, arrival or any connecting flights. There are also certain airports where you can be expedited through the security and immigration process.

World Elite Mastercard Benefits

World Elite Mastercard is the highest tier and as such, cards with this designation carry all the benefits of the Standard and World Mastercards plus are likely to have these additional perks:

  • World Elite concierge. Access to a dedicated concierge service that can handle a variety of tasks from making reservations to helping you shop.
  • Alo Moves. Get unlimited access to yoga, fitness, wellness and mindfulness classes, plus 300 bonus loyalty points through September 30, 2025. The benefit comes with a 14-day free trial, a 50% discount on membership and a one-time 20% discount on Alo gear and wellness products.
  • ResortPass. Through September 30, 2025, enjoy day passes to luxury resorts and a $30 statement credit on a ResortPass booking of $200 or more.

Bottom Line

When you have a credit card that runs on the Mastercard network, you likely have access to several helpful features that can save you time, money or both. Review your card’s guide to benefits to take advantage of any perks available.

If you’re trying to choose a card based on the Mastercard benefits, redirect your efforts and choose a credit card based on the overall benefits of the card itself and not just the ancillary perks Mastercard offers.