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CardCurator — Rewards Intelligence
Card Comparison

LATAM Airlines World Elite Mastercard vs United Club

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
United Club card art
United MileagePlus
United Club
Chase
More Info
Annual Fee
$99/yr
$695/yr
Foreign Fees
None
None
Signup Bonus
45,000 points
Spend $2,500 in 3 months
90,000 points
Spend $5,000 in 3 months
Top Earn Rates
  • LATAM Airlines 4x
  • Restaurants, Rideshare, taxis, & public transit 3x
  • All Other Purchases 1x
  • United Purchases 4x
  • Dining 2x
  • Hotel Stays 2x
Reward Type
miles
miles
Key Credits
None
  • Global Entry/TSA PreCheck Credit $120
  • IHG Rewards Credit $120
Card Perks
  • LATAM Airlines-operated VIP Lounges (~$100/yr)
  • Cabin Upgrade (~$50/yr)
  • United Club Membership
  • Free First and Second Checked Bags
  • Premier Access
  • +1 more
Transfer Partners
No transfer partners
No transfer partners
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Common Questions: LATAM Airlines World Elite Mastercard vs United Club

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

LATAM Airlines World Elite Mastercard earns 3x on dining; United Club earns 2x on dining. LATAM Airlines World Elite Mastercard wins for dining.

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). United Club offers 90,000 pts signup bonus (spend $5,000 in 3 months). United Club 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 United Club?

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 United Club is from Chase, so they're governed by separate bank policies.