Sonesta World Mastercard®
Bank of America and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Bank of America. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The Sonesta World Mastercard® from Bank of America earns up to 2% effective value on dining in Madeen's catalog snapshot. Its annual fee is $75.
- Top category
- Dining
- Effective value
- 2%
- Annual fee
- $75
Best for dining-heavy spend when the $75 fee fits your usage; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 2% back.
What does the Sonesta World Mastercard earn in each category?
Dining is the strongest category at 2% effective value (2% back). That dining rate ranks higher than about 59% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Sonesta World Mastercard compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight coffee at 2x among the top bonus.
Dining is the strongest category at 2% effective value (2% back). That dining rate ranks higher than about 59% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Sonesta World Mastercard compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 2% back | 2% Top category |
| Grocery Supermarkets and grocery stores | 1% back | 1% |
| Gas Gas stations and fuel | 1% back | 1% |
| Travel Flights, hotels, transit | 2% back | 2% |
| Other General everyday spend | 1% back | 1% |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the Sonesta World Mastercard reward caps and conditions?
The Sonesta World Mastercard has 1 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates.
- 2 points per dollar on eligible airfare, car rental and dining purchases
Who should get the Sonesta World Mastercard?
The Sonesta World Mastercard fits spenders who put meaningful volume in dining and can earn 2% back. Best for spenders who put meaningful volume in dining and can earn 2% back.
Sonesta World Mastercard fits spenders who put meaningful volume in dining and can earn 2% back. Madeen ranks its dining effective rate higher than about 59% 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 2% back.
Compare it against simpler no-fee cards if you want minimum complexity.
Best for dining-heavy spend when the $75 fee fits your usage; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 2% effective (2% back).
- No foreign transaction fee listed.
Cons
- $75 annual fee requires enough spend in bonus categories to offset.
Does the Sonesta World Mastercard have an annual fee?
The Sonesta World Mastercard has an annual fee of $75 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $75
- Foreign transaction fee
- None
What benefits come with the Sonesta World Mastercard?
The Sonesta World Mastercard includes Global emergency services, HealthLock, Instacart in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
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+.
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 Golf
$10/yrGet exclusive PGA TOUR® experiences and access amazing golf benefits with our Golf Concierge Service.
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.
Mastercard Travel
$10/yrBrowse exclusive Mastercard benefits, book travel, get hotel upgrades and more.
Priceless Experiences
$10/yrEnjoy experiences in culture, dining, sports, entertainment and more in over 45 exciting destinations around the globe.
Protection wherever you shop
$10/yrWith Mastercard Zero Liability protection you’re protected against unauthorized transactions in stores, online and in app.
Related encyclopedia topics
Common questions about the Sonesta World Mastercard
Where do cardholders spend most with the Sonesta World Mastercard?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on coffee (2x), fast food (2x), other food and drink (2x) for the Sonesta World Mastercard. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
Does the Sonesta World Mastercard have an annual fee?
The Sonesta World Mastercard carries an annual fee of $75 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 Sonesta World Mastercard?
Dining is the strongest Madeen category for the Sonesta World Mastercard at about 2% 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 Sonesta World Mastercard charge foreign transaction fees?
The Sonesta World Mastercard does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
Is the Sonesta World Mastercard annual fee worth it?
Whether the $75 annual fee pays off depends on how much you spend in dining and whether you use the card's benefits. Compare effective rates across the cards you already carry in Madeen.
What credit score do you need for the Sonesta World Mastercard?
Madeen's catalog lists a typical credit range of Good for the Sonesta World Mastercard. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How does the Sonesta World Mastercard compare to similar cards?
Compare the Sonesta World Mastercard against AMSA Customized Cash Rewards Card (3% on Dining, $0 fee); Bank of America Customized Cash Rewards (3% on Dining, $0 fee); Bank of America Customized Cash Rewards for Students (3% 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 |
|---|---|---|---|
Sonesta World Mastercard This card | Dining | 2% | $75 |
Bank of America | Dining | 3% | $0 |
Bank of America | Dining | 3% | $0 |
Bank of America | Dining | 3% | $0 |
Bank of America | Dining | 3% | $0 |
Side-by-side comparisons
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.
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Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
Bank of America and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Bank of America. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
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