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Ameriprise World Elite MasterCard

Ameriprise World Elite MasterCard

 

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  • APR 14.24% or 16.24% based on your creditworthiness
  • Intro APR 0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening
  • Balance Transfer Intro APR 0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening
  • Cash Advance APR 25.49%
  • Annual Fee $150 (waived for Achiever Circle Elite clients)
  • Late Payment Fee $37
  • Cash Advance Fee Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Returned Payment Fee $37
  • Balance Transfer Fee Either $10 or 3% of the amount of each transfer, whichever is greater
  • Foreign Exchange Fee 2%
  • Minimum Interest Charge $0.50
  • Rewards Details Earn 1X Ameriprise Rewards points for every dollar you spend on purchases
  • Signup Bonus Earn 20,000 bonus rewards points after you make $500 in purchases or balance transfers with your new account in the first 90 days

Highlights

  • Click "APPLY NOW" to apply online
  • Earn 10,000 20,000 bonus rewards points after you make $500 in purchases or balance transfers with your new account in the first 90 days
  • Earn 1X Ameriprise Rewards points for every dollar you spend on purchases
  • 1.5% cash back when you redeem points in increments of 30,000 for $450 into an eligible Ameriprise® financial account
  • Achiever Circle clients also earn: 25,000 bonus points with a $50,000 deposit of non-retirement assets into an eligible Ameriprise account 500 bonus points for a completed home or auto insurance quote
  • 25,000 bonus points with a $50,000 deposit of non-retirement assets into an eligible Ameriprise account
  • 500 bonus points for a completed home or auto insurance quote
  • Rewards points for other financial products and services
  • Points do not expire when you keep your account open, active and in good standing
  • 1.5% redemption value when you redeem points in increments of 10,000 for a $150 Ameriprise Financial Planning certificate
  • $150 annual fee, waived for Ameriprise Achiever Circle Elite Members
  • 0% intro APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable APR will apply, 14.24% or 16.24%, based on your creditworthiness
  • Earn up to $200 in credits toward airline purchases
  • Chip card technology to make paying for your purchases more secure at chip-card terminals in the U.S. and abroad
  • Security & travel protection including ID theft resolution services, purchase security, extended warranty, travel assistance, travel insurance, rental insurance, and roadside assistance
  • Complimentary concierge services available 24 hours, 7 days a week, 365 days a year

Expert Reviews

From the CompareCards.com Editorial Team

The Ameriprise World Elite MasterCard provides cardholders with perks including cash back, rewards points and travel benefits. Beyond rewards benefits, this card offers a 15-month intro APR period. This card is a great fit for Amerprise Financial clients seeking to maximize savings and investments. 

Expert Reviews of the Ameriprise World Elite MasterCard

  • 5.0

    Regular APR

  • 5.0

    Intro APR

  • 3.0

    Fees

  • 4.0

    Benefits

  • star rating 4.5/5

    Overall Rating

The Bottom Line

This card offers a triple whammy of cash back, rewards points and travel benefits . There's an added benefits that points do not expire from the time they are earned for five years, thus allowing cardmembers to take advantage of redemption on Ameriprise Financial Planning and other benefits.

The Good

The 15 months of 0% intro APR is an added bonus, and even when that expires the annual APR is still low at either 14.24% or 16.24%. 

The Not So Good

The hefty annual fee of $150 could be a dealbreaker for some. If you're an Achiever Circle client then this fee is waived. While the card does proivde chip card technology, which is of course imperative for travel abroad, the 2% foreign transaction fee could really add up. 

Disclaimer: This content is not provided by the card issuer. Any opinions, analyses, reviews or recommendations on this page have not been reviewed, approved or otherwise endorsed by the card issuer. Terms, offers, conditions and rates were correct at the time of writing but may have changed since and not been updated on this page. For up-to-date terms, offers, rates and conditions, please see the issuer’s site.

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