Ultimate travel companion

Enjoy LATAM Airlines Lounge passes, elevated earning rates, cabin upgrades, more Qualifying Points, and other premium benefits

Earn 40,000 LATAM Pass Miles

Enough for select premium-cabin travel, after spending $2,500 in the first three months*

* * *

*Offer Terms

$99 annual fee†

Apply now

†Rates & FeesCardholder Agreement

Earn LATAM Pass Miles

Earn miles on every purchase with your LATAM Airlines World Elite Mastercard*

4x

LATAM Airlines purchases*

* * *

3x

Restaurants*

* * *

3x

Rideshare, taxis, and public transit*

* * *

1x

Everything else*

* * *

Learn more->

*Offer terms

Cardmember benefits

No foreign transaction fees†

Use your card when you travel just as you do at home, with no fees for the purchases you make abroad

* * *

Fast track to LATAM Pass Elite status*

Earn Qualifying Points as you spend, making it possible to reach a higher tier of Elite status with fewer flights

Additional perks

Courtesy Segments

LATAM Airlines Lounge passes

*Offer terms and †Rates & FeesCardholder Agreement

Redeem your LATAM Pass Miles

Use your miles to fly with LATAM Airlines to destinations in South America and beyond*

* * *

View all redemption options->

*Offer terms

More miles, more perks

Take your rewards to the next level with the LATAM World Elite Mastercard, with a $99 annual fee†.No foreign transaction fees, over-the-credit-limit fees or return payment fees†

†Rates & FeesCardholder Agreement

$99

Annual fee

$0

Foreign transaction fee

$0

Late fee

World Elite Mastercard benefits

Mastercard

Mastercard ID Theft Protection™

* * *

Mastercard Zero Liability Protection

* * *

You’re protected against identity theft and fraudulent purchases, as a benefit of your LATAM World Elite Mastercard.

Doordash

$5 credit

* * *

3-month DashPass for free

* * *

Your first 3 months of DashPass are free as a new member. Plus, both new and existing members get $5 off one order each month.

Lyft

$5 credit

* * *

Get a $5 Lyft credit when you pay for 3 rides in one calendar month with your eligible card.

HelloFresh

5% credit

* * *

Get 5% towards future orders when you order meal kits shipped directly to your door. Plus, new customers receive a discount on their first few boxes.

View all World Elite Mastercard benefits->

World Elite Mastercard benefits solely administered by Mastercard, not Cardless Inc.

The right card for you

Choose from two rewarding LATAM Airlines credit cards, with benefits designed to match your travel habits and lifestyle

[Compare cards
\

LATAM Airlines

Mastercard

No annual fee†

* * *

Valuable rewards

* * *

Earn Qualifying Points

Apply now

No annual fee

Offer terms and †Rates & FeesCardholder Agreement

LATAM Airlines

World Elite Mastercard

Accelerated miles earning

* * *

Cabin upgrades

* * *

LATAM lounge passes

* * *

Earn more Qualifying Points

* * *

Perfect for frequent flyers

Apply now

$99 annual fee

Offer terms and †Rates & FeesCardholder Agreement

Learn more

Do I have to be registered with the LATAM Pass program to apply for a LATAM Airlines credit card?

No, but it is required that a LATAM Pass account be linked to your Cardless account in order to receive LATAM Pass Miles from card purchases and to receive other credit card benefits. We recommend linking your LATAM Airlines credit card account with a new or existing LATAM Pass account as soon as your card account is approved, so you can begin taking advantage of certain benefits right away.

* * *

How do I access my account?

The easiest way to access your account is by downloading and logging into the Cardless mobile app on your iOS or Android device. From there, you can make a payment, access rewards, view your card number and add your card to your digital wallet. You may also view statements and make payments via a web browser by visiting app.cardless.com

* * *

How many lounge passes will I receive with my LATAM Airlines World Elite Mastercard?

Cardholders receive two LATAM Airlines lounge passes each account year. These passes can be accessed via the Rewards tab of the Cardless app, and can be used to enter a participating LATAM Airlines lounge. Each pass is valid for one entry, and must be redeemed by the cardholder. A second pass may be redeemed when traveling with a guest.

* * *

I am not a US resident nor do I have a US bank account. Can I still apply for a LATAM Airlines credit card?

This product is available only for US residents.

* * *

May I access partner lounges with my credit card passes?

Participating lounges are operated by LATAM Airlines; LATAM Airlines World Elite Mastercard customers cannot use their credit card benefits to access partner lounges.

* * *

What is the LATAM Pass program?

The LATAM Pass program is LATAM Airlines Group’s loyalty program. After linking your Cardless and LATAM Pass accounts, you can earn LATAM Pass Miles by using their credit card at eligible establishments such as restaurants, supermarkets and department stores. You can redeem LATAM Pass miles for airline tickets and other benefits. See here for more information on LATAM Pass.

* * *

Which airport lounges can I access with my credit card passes?

At this time, Cardholders with the LATAM Airlines World Elite Mastercard may use their annual lounge passes to access participating LATAM Airlines-operated VIP lounges at the following airports:

• Miami International Airport (MIA)
• Bogota El Dorado International Airport (BOG)
• Buenos Aires Ezeiza International Airport (EZE)
• Santiago de Chile International Airport (SCL)
• São Paulo International Airport (GRU)

Entry is subject to operating hours and capacity.

* * *

Which lounge can I access when traveling through Santiago de Chile International Airport (SCL)

Cardholders with the LATAM Airlines World Elite Mastercard may use their annual lounge passes to access the Premium Lounge at Santiago de Chile International Airport (SCL). Customers cannot use their credit card benefits to access any other lounge at SCL. Entry is subject to operating hours and capacity.

* * *

How We Will Calculate Your Balance: We use a method called “average daily balance” (including new transactions). See your LATAM Airlines World Elite Mastercard Cardholder Agreement for more details.

This Notice: The information about the costs of the card described in this form is accurate as of March 9, 2026. This information may have changed after that date. To find out what may have changed, write to us at Cardless, 350 Townsend #610, San Francisco, CA 94107 or call us toll-free at (888) 420-1603.

Your Billing Rights: Information on your rights to dispute transactions and how to exercise those rights are included in the Cardholder Agreement. See the “Billing Rights” in your Cardholder Agreement for more details.

Penalty Fees: We may charge a Late Payment Fee up to $35 if we do not receive the minimum payment amount shown on your Statement by the due date shown on your Statement. As permitted by law, we may charge you a Return Payment Fee up to $35 each time any payment made by you is not paid by your financial institution for any reason. Neither the Late Payment fee nor the Return Payment fee will exceed the related minimum payment that was due. We will not charge a Late Payment Fee and a Returned Payment fee on the same payment.

**How We Will Calculate Your Variable APRs:**Your Annual Percentage Rate is calculated by adding the Index (as defined below) to the margin disclosed in your Truth in Lending Act Disclosures. The Annual Percentage Rate (and Daily Periodic Rate or “DPR”) on this Account will vary from time to time due to changes to the Index. As a result, your APR (and DPR) may change as frequently as quarterly. The Index is the U.S. Prime Rate as published in The Wall Street Journal. We will use the U.S. Prime Rate as published in The Wall Street Journal on January 25, April 25, July 25, and October 25. If it is not published that day, we will use the immediately preceding published U.S. Prime Rate. If the Index has changed, the new APR (and DPR) will apply to your Account as of the first day of your February, May, August, and November Billing Cycles. If the Index increases (or decreases), you will pay a correspondingly higher (or lower) interest charge and may pay a higher (or lower) Minimum Payment Due. The U.S. Prime Rate is simply a pricing index and may not be the lowest interest rate available. If The Wall Street Journal temporarily or permanently stops publishing the U.S. Prime Rate, or how the U.S. Prime Rate is defined is changed, then we may select a new third party source for obtaining the U.S. Prime Rate or select a substitute Index not under our control, in our sole discretion.

Purchase APR: Prime + 12.74% to Prime + 22.74%. Daily periodic rate of 0.0534% to 0.0808%.

Cash Advance APR: Prime + 25.49%. Daily periodic rate of 0.0884%.

U.S. Prime Rate effective as of December 16, 2025 is 6.75%.

How We Will Calculate the Interest Charge: We use the “average daily balance (including new transactions)” method to calculate the interest charge on each type of transaction. This means at the end of each Billing Cycle for each transaction type, we: (1) multiply your “average daily balance (including new transactions)” by the Daily Periodic Rate for that transaction type, and (2) multiply the result by the number of days in the Billing Cycle. To get the “average daily balance (including new transactions),” for each transaction type, we first determine the “daily balance” by taking the beginning balance of each type of transaction on your Account each day of the Billing Cycle, add any new transactions posted that day, and the periodic interest charges incurred the previous day (compounding interest), along with any fees incurred the previous day, and then subtract any payments or credits applied to the principal balance. If any day's daily balance is a credit balance, we will treat it as a balance equal to $0.00. Then, we add up all the daily balances for each day of the Billing Cycle and divide the total by the number of days in the Billing Cycle to get the “average daily balance (including new transactions)” by transaction type. Then we multiply the Daily Periodic Rate applicable to the transaction type by the applicable “average daily balance (including new transactions)” for that transaction type and multiply the resulting number by the number of days in the Billing Cycle to calculate the interest charge for each transaction type. We add together the interest charge for each transaction type to determine the total interest charge owed on your Account for that Billing Cycle.

Due to rounding, this interest calculation may vary slightly from the interest charge actually assessed. After the Payment Due Date, interest charges will continue to accrue on the total amount that remains unpaid after the applicable Payment Due Date, until it is paid in full.

Avoiding Paying Finance Charges: If you pay your Statement’s new balance in full by the payment due date, we will not charge interest on any new transactions that post to the purchase balance. If you have been paying your Account in full without finance charges, but fail to pay your next new balance in full, we will charge interest on the unpaid balance and any new transactions that post to the purchase balance. We will begin charging interest on Cash Advances on the transaction date.

Cash Advance/ATM Access: Cash Advance/ATM access is made available at our discretion.

Military Lending Act (MLA) Disclosure: The following disclosure applies to persons covered by the MLA. Other governmental programs and laws may also govern or apply to this transaction but are not described in the following disclosure. Federal law provides important protections to members of the armed forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than credit application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). To receive this information and a description of your payment obligation verbally, please call us toll free at (888) 420-1603.