You're Being Upgraded!

You are one of our top credit card users! We wanted to thank you for being a loyal customer by upgrading you to our World Mastercard®. The best part? You don’t have to do anything! We will automatically send you a new card, and you get to keep your same credit card number and Annual Percentage Rate (APR).disclosure1 As a way to say, "Thanks!", we're giving you 2x Rewards Points for Fast Food and Restaurants for 90 days.disclosure 3

How Does it Work?

  • You will be sent a new card in the mail but will keep your current credit card number.
  • Your current card will work until you activate your new card.
  • You will have NO annual fee with your new card, just like your current card.
  • You have 30 days from receiving your offer email to opt out of the upgrade.
  • If you want to opt out, please do so by June 12. The upgrade will come into effect on June 13.
  • To opt out, you can either call (800) 445-9272 or email Bank Card Customer Service. If emailing please include “opt out request” as the subject, your last name as it appears on your card, and the last four digits of your card.

Benefits of being Upgraded to a World Mastercard

Experience a world of perks and benefits with the World Mastercard! Gain access to exclusive experiences, all while being protected against fraudulent purchases and identity theftdisclosure 2.

Benefits Only Card World Card
Rewards 1 point per $1 Spent 1 point per $1 Spent
Annual Fee $0 $0
Lost or Damaged Luggage Reimbursement No Yes
Baggage Delay Reimbursement No Yes
Trip Cancellation Reimbursement No Yes
International Transaction Fee 3% 1%
Worldwide Travel Insurance $250,000 $400,000
Purchase Assurance No Yes
Mastercard Travel Benefits, amenities and upgrades No Yes

Disclosures and Information

  1. Additional terms, conditions and exclusions apply and are subject to change.Back to content
  2. These are summary descriptions only. Certain restrictions, limitations and exclusions apply and are subject to change. See bank for details or call 1-800-MASTERCARD for assistance. Applicable to U.S. Cardholders only.  Back to content
  3. Bonus points are awarded for spend in MCC 5812 Eating Places and Restaurants and MCC 5814 Fast Food establishments. Merchants self-select the category in which their transactions will be listed, and some merchants may be owned by other companies. As a result, transactions may not always be counted in the category you might expect.Back to content
  1. This card is issued by The Central Trust Bank pursuant to a license by Mastercard® International Incorporated. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Subject to credit approval.