CardRewardsEditorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: May 2026.
$99
Annual Fee
60,000
points · Welcome Bonus
3X
Top Rate
Annual Fee
$99
Foreign Transaction Fee
$0
Network
Mastercard World Elite
Rewards Currency
Virgin Atlantic FlyingClub
Credit Required
Good
Welcome Offer
60,000
points
Spend $4,000 in the first 3 months
Benefits & Perks
Estimated annual value: $95
| Credit | Value | Category | Frequency | Details |
|---|---|---|---|---|
| $3/mo Peacock | — | Streaming | — | |
| $10/mo Instacart+ | — | Delivery | — | |
| $5 Lyft + airport savings | — | Transit & Rideshare | — | |
| $2.50/mo transit | — | Transit & Rideshare | — |
Reviews & Analysis
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$99
Net Annual Value
-$99
Details & Terms
| Foreign Transaction Fee | $0 |
Media & Resources
| Source | Date | URL |
|---|---|---|
| — | — | View source |
$99
Annual Fee
60,000
points · Welcome Bonus
3X
Top Rate
Annual Fee
$99
Foreign Transaction Fee
$0
Network
Mastercard World Elite
Rewards Currency
Virgin Atlantic FlyingClub
Credit Required
Good
Welcome Offer
60,000
points
Spend $4,000 in the first 3 months
Benefits & Perks
Estimated annual value: $95
| Credit | Value | Category | Frequency | Details |
|---|---|---|---|---|
| $3/mo Peacock | — | Streaming | — | |
| $10/mo Instacart+ | — | Delivery | — | |
| $5 Lyft + airport savings | — | Transit & Rideshare | — | |
| $2.50/mo transit | — | Transit & Rideshare | — |
Reviews & Analysis
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$99
Net Annual Value
-$99
Details & Terms
| Foreign Transaction Fee | $0 |
Media & Resources
| Source | Date | URL |
|---|---|---|
| — | — | View source |
$99
Annual Fee
60,000
points · Welcome Bonus
3X
Top Rate
Annual Fee
$99
Foreign Transaction Fee
$0
Network
Mastercard World Elite
Rewards Currency
Virgin Atlantic FlyingClub
Credit Required
Good
Welcome Offer
60,000
points
Spend $4,000 in the first 3 months
Benefits & Perks
Estimated annual value: $95
| Credit | Value | Category | Frequency | Details |
|---|---|---|---|---|
| $3/mo Peacock | — | Streaming | — | |
| $10/mo Instacart+ | — | Delivery | — | |
| $5 Lyft + airport savings | — | Transit & Rideshare | — | |
| $2.50/mo transit | — | Transit & Rideshare | — |
Reviews & Analysis
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$99
Net Annual Value
-$99
Details & Terms
| Foreign Transaction Fee | $0 |
Media & Resources
| Source | Date | URL |
|---|---|---|
| — | — | View source |
Complimentary HealthLock membership monitors for medical identity fraud, prescription fraud, and unauthorized insurance claims.
Monitor surface and dark web for compromised credentials with real-time alerts and resolution services included.
Protection for cell phone damage or theft with $50 deductible and up to $1,000 annual limit.
Deductible: 50
Complimentary HealthLock membership monitors for medical identity fraud, prescription fraud, and unauthorized insurance claims.
Monitor surface and dark web for compromised credentials with real-time alerts and resolution services included.
Protection for cell phone damage or theft with $50 deductible and up to $1,000 annual limit.
Deductible: 50
Complimentary HealthLock membership monitors for medical identity fraud, prescription fraud, and unauthorized insurance claims.
Monitor surface and dark web for compromised credentials with real-time alerts and resolution services included.
Protection for cell phone damage or theft with $50 deductible and up to $1,000 annual limit.
Deductible: 50
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.