9 Reasons To Get a LATAM Airlines Credit Card

From generous earning rates to complimentary business-class upgrades, travelers will find outsized value in LATAM Airlines’ partnership with Cardless
Zach Honig (Cardless)
August 17, 2022

The content below is meant to be informational in nature. It is not a recommendation of any product or service offered by Cardless, nor does it guarantee credit approval. Before applying for a credit card, be sure to consider your own specific financial situation, objectives, and needs. 

Travelers based in the United States can now apply for one of two lucrative credit cards as part of an industry-leading partnership between Cardless and LATAM Airlines.

The no-annual-fee LATAM Airlines Mastercard offers generous earning rates on purchases in multiple categories, while the LATAM Airlines World Elite Mastercard, with a $99 annual fee, adds valuable travel perks, including airport lounge passes and complimentary Premium Business upgrades, giving customers the ability to purchase eligible economy fares and travel between the U.S. and South America in a lie-flat seat.

Regardless of which card you choose, you’ll have the ability to quickly accrue LATAM Pass Miles that you can redeem directly through LATAM Airlines for travel to and throughout South America, along with long-haul destinations in Europe and beyond.

Read on for a closer look at what benefits you can expect, and ways you can take full advantage of this valuable card partnership.

Welcome LATAM Pass Miles to travel the world

New customers will have an opportunity to earn up to 40,000 bonus miles after meeting minimum-spend requirements, depending on the card. On some routes to South America, that’s enough for up to two economy trips from the U.S., before taxes and fees.

Earn up to 4 LATAM Pass Miles for every dollar you spend

Cardholders can earn up to 4 miles per dollar on LATAM Airlines airfare purchases made through LATAMAirlines.com. (Photo by Zach Honig/Cardless)

LATAM Airlines’ credit cards offer some of the most lucrative earning rates of any airline cards, with the LATAM Airlines World Elite Mastercard offering 4 miles per dollar on LATAM Airlines airfare purchases made through LATAMAirlines.com, 3 miles per dollar spent at restaurants and 3 miles per dollar on ground transportation, including taxis, rideshare and commuter services, like city buses and and local trains.

Use your card abroad, without extra fees Rates & Fees

There’s no annual fee with the LATAM Airlines Mastercard. And customers with both cards don’t have to worry about paying late fees, over-limit fees or even foreign-transaction fees, letting you spend without paying an extra fee to use your card as you travel to South America and beyond.

It’s easier to earn LATAM Pass elite status

Cardholders can earn elite status within the LATAM Pass program, with benefits like early boarding, premium seat selection, airport lounge access, Premium Business upgrades and more. Customers with both the LATAM Airlines Mastercard and the LATAM Airlines World Elite Mastercard can earn Qualifying Points as they spend with the cards, reducing the flying required to reach an elite tier each year. Learn more about how to earn LATAM Pass Qualifying Points with your credit card right here.

Outsized perks, low annual fee Rates & Fees

With higher earning rates, the LATAM Airlines Mastercard makes it possible for cardholders to quickly accrue miles, but travelers after additional benefits may want to consider the LATAM Airlines World Elite Mastercard, which carries a $99 annual fee and includes additional benefits, offering significant value to occasional travelers and frequent flyers alike. Cardholders are eligible for a handful of valuable perks, as outlined below.

Upgrade to Premium Business on LATAM Airlines Flights

Eligible customers receive three upgrade coupons each calendar year, enough to upgrade multiple short-haul flights or one long-haul trip, based on availability. (Photo by LATAM Airlines)

Customers with the LATAM Airlines World Elite Mastercard may be eligible to receive Upgrade Coupons, making it possible to request a complimentary upgrade from Plus or Top economy fares to Premium Business or Premium Economy on eligible LATAM Airlines-operated flights. Eligible customers receive three upgrade coupons each calendar year, enough to upgrade multiple short-haul flights or one long-haul trip, based on availability. Note that customers who receive Upgrade Coupons as part of their elite benefits may not receive additional Upgrade Coupons as a benefit of their credit card. Learn more about eligibility and how to redeem Upgrade Coupons here.

A faster track to LATAM Pass elite status

While the no-annual-fee LATAM Airlines Mastercard offers customers an opportunity to earn Qualifying Points toward LATAM Pass elite status, Qualifying Points accrue at twice the rate with the LATAM Airlines World Elite Mastercard, making it even easier to become a LATAM Pass elite.

LATAM Airlines lounge access

Lounge passes can be redeemed to visit a lounge twice yourself, or once with a guest. (Photo by LATAM Airlines)

LATAM Airlines World Elite Mastercard customers receive passes to access any LATAM Airlines lounge up to two times per account year. Passes are loaded directly to your Cardless app, and can be redeemed to visit a lounge twice yourself, or once with a guest. Pass holders must be present to redeem a pass. Learn more about how to take advantage of your card’s lounge access benefit right here.

Additional travel benefits

As part of our partnership with Mastercard, LATAM Airlines World Elite Mastercard cardholders are eligible for additional benefits, including Mastercard ID Theft Protection™ and Mastercard Zero Liability Protection, so customers are not responsible for unauthorized purchases made with their card. LATAM Airlines World Elite Mastercard customers receive even more perks, including discounts and promotions with Mastercard partners, travel services and more. Learn more about these benefits from Mastercard.

Click here to learn more about the LATAM Airlines Mastercard and LATAM Airlines World Elite Mastercard, including rewards, card benefits and more.

CARDLESS RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS PROSPECTIVELY BASED ON MARKET CONDITIONS AND BORROWER ELIGIBILITY. Your eligibility for a Cardless credit card or a subsequently offered product or service is subject to the final credit determination by First Electronic Bank, member FDIC. Cardless credit cards are issued pursuant to license by Mastercard® International Incorporated, and can be used everywhere Mastercard is accepted. Credit cards referenced on this website are only available to individuals who are at least 18 years of age (or of legal age in your state of residence), and who reside in the United States. Applying for a credit card through links in this article does not guarantee credit approval for any Cardless product. 

Cardless is not the administrator of the LATAM Pass program. To check your LATAM Pass status, or to learn more about how to achieve certain status levels, please refer to https://latampass.latam.com/en_us/.

Unless a specific brand partner (noted in the footer of this website), no brands or products mentioned are affiliated with Cardless, nor do they endorse or sponsor this article. All third-party trademarks referenced herein are property of their respective owners.