Cash Back World Elite® Mastercard®
Cash Back Travel Rewards Balance Transfer

Cash Back World Elite® Mastercard®

Desjardins Group Desjardins Group
Annual Fee $100
Purchase APR 20.90%
Cash Advance 21.90%

RateBuddy Verdict

The Good
  • Excellent 4% cash back rate on groceries and 3% on dining/entertainment/transit.
  • Includes premium perks like DragonPass lounge access and free global eSIM data plans.
  • Upgraded insurance package featuring Car Rental CDW, $1,500 Mobile Device coverage, and 120-day purchase protection.
The Trade-offs
  • Strict minimum income requirements ($80,000 personal or $150,000 household) to qualify.
  • The 3-day travel medical insurance is noticeably short compared to competitor World Elite cards (which often offer 15-21 days).
  • Grocery earn rate drops drastically to 1% after hitting a relatively low $10,000 annual cap.

Rewards & Earnings

Groceries 4%
Dining 3%
Base Rate 1%
Rewards Summary: • Up to 4% cash back on Groceries (capped at $10,000 annual spend) • Up to 3% cash back on Restaurants (capped at $6,000 annual spend) • 3% cash back on Entertainment and Alternative transportation • 1% cash back on all other purchases

Welcome Bonus Details

No welcome bonus details are currently listed for this card.

Features & Benefits

Travel Medical Insurance
Travel Medical (up to 3 days)
Introductory 0% APR on Balance Transfers
Airport Lounge Access (DragonPass)
Mobile Device Insurance
Mobile Device Insurance (Up to $1,500)
Car Rental Collision/Loss Damage Waiver
Car Rental CDW included (48 days)
Trip Cancellation/Interruption Insurance
Trip Cancellation included
Extended Warranty Insurance
Extended Warranty (Up to 2 extra years)
Purchase Security Insurance
Purchase Security (120 days)
Baggage Delay/Loss Insurance
Baggage Delay/Loss included

Insurance Coverage

• Travel Emergency Medical Insurance (up to 3 days) • Auto Rental Collision and Loss Damage Insurance (up to 48 days) • Mobile Device Insurance (up to $1,500) • Trip Cancellation & Baggage Coverage • Purchase Protection (120 days) • Extended Warranty (up to 2 additional years)

Rates, Fees & Eligibility

Purchase APR20.90%
Cash Advance APR21.90%
Annual Fee$100
Supplementary Card Fee$30
Grace Period21 days
Income Required Personal: $80,000
Household: $150,000
Recommended Credit Score—

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Filed Under

Cash Back Travel Rewards Balance Transfer Rewards
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