World Rewards Mastercard®
Banner Bank and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Banner Bank. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The World Rewards Mastercard® from Banner Bank earns up to 4% effective value on dining in Madeen's catalog snapshot. It has no annual fee. New applicants may see: 4k TruRewards.
- Top category
- Dining
- Effective value
- 4%
- Annual fee
- $0
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 4x points. The welcome bonus can help if you can meet the spend requirement.
What does the World Rewards Mastercard earn in each category?
Dining is the strongest category at 4% effective value (4x points at about 1 cents each). That dining rate ranks higher than about 92% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how World Rewards Mastercard compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 4% effective value (4x points at about 1 cents each). That dining rate ranks higher than about 92% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how World Rewards Mastercard compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 4x points | 4% Top category |
| Grocery Supermarkets and grocery stores | 4x points | 4% |
| Gas Gas stations and fuel | 4x points | 4% |
| Travel Flights, hotels, transit | 4x points | 4% |
| Other General everyday spend | 4x points | 4% |
Madeen values TruRewards at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the World Rewards Mastercard?
The World Rewards Mastercard fits spenders who put meaningful volume in dining and can earn 4x points. Best for spenders who put meaningful volume in dining and can earn 4x points. The welcome bonus can help if you can meet the spend requirement.
World Rewards Mastercard fits spenders who put meaningful volume in dining and can earn 4x points. Madeen ranks its dining effective rate higher than about 92% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 4x points. The welcome bonus can help if you can meet the spend requirement.
Foreign transaction fees make it weaker for international spend. Mostly a flat base earn card without strong category bonuses.
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 4% effective (4x points).
- That dining rate ranks higher than about 92% of cards we track in the category.
- No annual fee in our catalog snapshot.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- Charges $1.10 foreign transaction fees.
- TruRewards value depends on how you redeem, not straight cash back.
What is the World Rewards Mastercard welcome bonus?
In Madeen's catalog snapshot, the World Rewards Mastercard welcome offer is 4k TruRewards. Minimum spend, eligibility, and offer windows are set by the issuer and can change — confirm on the issuer application page before applying.
- Offer
- 4k TruRewards (~$40 estimated)
- Terms (catalog snapshot)
- 4k TruRewards
Does the World Rewards Mastercard have an annual fee?
The World Rewards Mastercard has an annual fee of $0 and a foreign transaction fee of $1.10. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- $1.10
What benefits come with the World Rewards Mastercard?
The World Rewards Mastercard includes 25% Higher Level of Cash Rewards, Additional Point Bonuses, Airport Meet&Greet Discount in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Cell Phone Protection
$7,200/yrup to $1,000
Mastercard Transit Benefit
$200/yrSave when you tap and go with your eligible Mastercard and receive a $2.50 statement credit when you spend $10 or more each month at participating transit systems.
Instacart
$140/yrGroceries and more delivered in as fast as one hour. Get $10 off your second order each month, and new Instacart+ members can also get three free months of Instacart+.
25% Higher Level of Cash Rewards
$50/yr1% Cash Rewards – Redeem TruRewards points for cash statement credit equal to 1% of qualifying purchases. For example a $50 statement credit award= 20,000 points
Identity Protection
$25/yrMastercard ID Theft Protection™
Travel Assistant
$25/yrServices
Travel Insurance
$25/yrWorldwide Automatic Travel Accident & Baggage Delay insurance†
Car Rental Insurance
$10/yrthrough MasterRental
Global emergency services
$10/yrCall 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
HealthLock
$10/yrEnjoy a HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
Mastercard ID Theft Protection
$10/yrMonitor your credit file for fraud, get alerts for suspicious activity and access a resolution specialist.
Mastercard Music and Entertainment Access benefit
$10/yrMastercard gives you exclusive access to ticket presales at top venues and festivals across the U.S. Eligibility restrictions, exclusions and terms apply. Offer expires 3/31/2027.
Related encyclopedia topics
What annual spend bonuses does the World Rewards Mastercard offer?
- Every time you spend $10,000 in a calendar year, you receive a 10,000 point bonus.
Common questions about the World Rewards Mastercard
Does the World Rewards Mastercard have an annual fee?
The World Rewards Mastercard carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the World Rewards Mastercard?
Dining is the strongest Madeen category for the World Rewards Mastercard at about 4% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the World Rewards Mastercard charge foreign transaction fees?
The World Rewards Mastercard charges a foreign transaction fee of $1.10 in our catalog snapshot. Check issuer terms before international spend because rates and fee waivers can change.
What is the World Rewards Mastercard welcome bonus?
The World Rewards Mastercard welcome offer in our snapshot: 4k TruRewards. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
What credit score do you need for the World Rewards Mastercard?
Madeen's catalog lists a typical credit range of Good to Excellent for the World Rewards Mastercard. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How do you redeem rewards on the World Rewards Mastercard?
Rewards on the World Rewards Mastercard post as TruRewards. Redemption value depends on how you use TruRewards (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How does the World Rewards Mastercard compare to similar cards?
Compare the World Rewards Mastercard against TruRewards Mastercard (4% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
World Rewards Mastercard This card | Dining | 4% | $0 |
Banner Bank | Dining | 4% | $0 |
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
Related Madeen guides
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See how this card ranks in your wallet
Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
Banner Bank and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Banner Bank. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure