Central Bank World Mastercard®
Central 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 Central 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 Central Bank World Mastercard® from Central Bank earns up to 0% effective value on dining in Madeen's catalog snapshot. It has no annual fee.
- Top category
- Dining
- Effective value
- 0%
- 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 1x points.
What does the Central Bank World Mastercard earn in each category?
Dining is the strongest category at 0% effective value (1x points at about 0 cents each). The five-category effective-rate table on this page shows how Central Bank World Mastercard compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 0% effective value (1x points at about 0 cents each). The five-category effective-rate table on this page shows how Central Bank World Mastercard compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1x points | 0% Top category |
| Grocery Supermarkets and grocery stores | 1x points | 0% |
| Gas Gas stations and fuel | 1x points | 0% |
| Travel Flights, hotels, transit | 1x points | 0% |
| Other General everyday spend | 1x points | 0% |
Madeen values points at about 0 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the Central Bank World Mastercard?
The Central Bank World Mastercard fits spenders who put meaningful volume in dining and can earn 1x points. Best for spenders who put meaningful volume in dining and can earn 1x points.
Central Bank World Mastercard fits spenders who put meaningful volume in dining and can earn 1x points. 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 1x points.
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 0% effective (1x points).
- No annual fee in our catalog snapshot.
Cons
- Charges $1 foreign transaction fees.
- points value depends on how you redeem, not straight cash back.
Does the Central Bank World Mastercard have an annual fee?
The Central Bank World Mastercard has an annual fee of $0 and a foreign transaction fee of $1. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- $1
What benefits come with the Central Bank World Mastercard?
The Central Bank World Mastercard includes Baggage Delay, Cellular Wireless Protection, Lost or Damaged Luggage in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Trip Cancellation
$5,000/yrReceive reimbursement for any incurred expense, should you need to cancel your upcoming trip for any covered reason.
Mastercard Airport Concierge™
$150/yravings on Airport Meet and Greet services, which includes a personal Meet and Greet agent to escort you 24/7 through the airport on departure, arrival, or any connecting flights at over 700 destinations worldwide.
Baggage Delay
$25/yrReimburses you for expenses incurred for the emergency purchase of essential items while you’re without your luggage.
Cellular Wireless Protection
$25/yrReceive reimbursement for the actual cost to replace or repair a stolen or damaged Eligible Cellular Wireless Telephone
ShopRunner Free Shipping
$25/yrGet discounts and free 2-day shipping exclusive offers on clothing, beauty, electronics, home, gifts, and more.
Worldwide Automatic Travel Accident Insurance
$25/yr$400,000 limit
Lost or Damaged Luggage
Reimbursement for the actual cost of repairing or replacing your checked or carry-on luggage, should it be lost or damaged by the common carrier.
Related encyclopedia topics
Common questions about the Central Bank World Mastercard
Does the Central Bank World Mastercard have an annual fee?
The Central Bank World 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 Central Bank World Mastercard?
Dining is the strongest Madeen category for the Central Bank World Mastercard at about 0% 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 Central Bank World Mastercard charge foreign transaction fees?
The Central Bank World Mastercard charges a foreign transaction fee of $1 in our catalog snapshot. Check issuer terms before international spend because rates and fee waivers can change.
What credit score do you need for the Central Bank World Mastercard?
Madeen's catalog lists a typical credit range of Good to Excellent for the Central Bank World Mastercard. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How do you redeem rewards on the Central Bank World Mastercard?
Rewards on the Central Bank World Mastercard post as points. Redemption value depends on how you use points (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How do I maximize rewards on the Central Bank World Mastercard?
To maximize the Central Bank World Mastercard, route dining and other bonus categories through this card when they match your spend, then compare it against cards you already carry with Madeen at checkout.
How does the Central Bank World Mastercard compare to similar cards?
Compare the Central Bank World Mastercard against Central Bank World Elite Mastercard (0% on Dining, $99 fee); St. Louis Cardinals Credit Card (0% on Dining, $0 fee); The ONLY Card Mastercard (0% 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 |
|---|---|---|---|
Central Bank World Mastercard This card | Dining | 0% | $0 |
Central Bank | Dining | 0% | $99 |
Central Bank | Dining | 0% | $0 |
Central Bank | Dining | 0% | $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.
Central 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 Central 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