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Card Comparison

LATAM Airlines World Elite Mastercard vs Platinum

Side-by-side comparison of fees, rewards, benefits, and transfer partners.

LATAM Airlines World Elite Mastercard card art
Latam Pass Miles
LATAM Airlines World Elite Mastercard
Cardless
More Info
Platinum card art
Navy Federal Credit Union
Platinum
Navy Federal Credit Union
More Info
Annual Fee
$99/yr
No annual fee
Foreign Fees
None
None
Signup Bonus
45,000 points
Spend $2,500 in 3 months
None
Top Earn Rates
  • LATAM Airlines 4x
  • Restaurants, Rideshare, taxis, & public transit 3x
  • All Other Purchases 1x
  • All Purchases 1x
Reward Type
miles
credit building
Key Credits
None
None
Card Perks
  • LATAM Airlines-operated VIP Lounges (~$100/yr)
  • Cabin Upgrade (~$50/yr)
None listed
Transfer Partners
No transfer partners
No transfer partners
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Common Questions: LATAM Airlines World Elite Mastercard vs Platinum

Is the LATAM Airlines World Elite Mastercard or Platinum better for dining?

LATAM Airlines World Elite Mastercard earns 3x on dining; Platinum has no dining bonus.

Which has the higher signup bonus in 2026?

LATAM Airlines World Elite Mastercard currently offers 45,000 pts signup bonus (spend $2,500 in 3 months). Platinum offers no current bonus. LATAM Airlines World Elite Mastercard has the larger bonus.

Which card is better for international travel?

Both cards charge no foreign transaction fees, making either a solid choice for international travel.

Can I hold both the LATAM Airlines World Elite Mastercard and the Platinum?

In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. LATAM Airlines World Elite Mastercard is from Cardless and Platinum is from Navy Federal Credit Union, so they're governed by separate bank policies.