| Last updated on October 13th, 2023
LATAM Airlines Mastercard
LATAM Airlines Mastercard
LATAM Airlines Mastercard
- 21.24% to 31.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
At a Glance
The LATAM Airlines Mastercard is an airline rewards credit card that can help supercharge your way towards a South American getaway. The card offers up to 3X miles on purchases, no hidden fees, and more – all for no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- No foreign transaction fees
- Earn 15,000 miles after spending $1,000 in purchases in the first three months
- Earn 3X miles on LATAM purchases
- Earn 2X miles on dining, plus rideshares, taxis, and public transit
- Earn 1X miles on all other purchases
- Regular Purchase APR: 21.24% to 31.24% variable based on creditworthiness and the Prime Rate
- You travel to South America often
- You prefer to fly with LATAM Airlines
- You don’t want to pay an annual fee
In-Depth Review: LATAM Airlines Mastercard
The LATAM Airlines Mastercard from Cardless is a no annual fee airline card that lets travelers to and from South American travelers save big on their next flight. The credit card offers up to 3X miles on purchases, a decent welcome offer, and Cardless’ digital-first account experience.
Welcome Miles Bonus
New accounts with the LATAM Airlines Mastercard can earn 15,000 bonus LATAM Pass miles after spending $1,000 in the first three months. That spending bonus is enough for a basic redemption flight with the carrier – an excellent sign-up bonus for a modest $333/month introductory spend.
How to Earn Miles
The no annual fee version of the LATAM Mastercard earns up to 3X miles on select purchases. Cardholders earn those 3X miles on LATAM Airlines purchases. This bonus category is generous but has a caveat – miles cannot be earned on in-flight or onboard purchases with LATAM. This loophole is because these services are operated by a third-party vendor, meaning cardholders will earn only 1X miles.
The LATAM Mastercard also earns 2X miles on dining and select travel categories. Cardholders earn two miles per $1 spent on restaurant purchases, plus 2X on ground transportation services, including taxis, trains, and subways. All other purchases with the card earn a single mile (1X) per dollar spent.
Earn LATAM Qualifying Points
Both LATAM credit cards offer the chance to supercharge LATAM Pass Elite status earning. Cardholders with the basic, no annual fee version of the card acquire QP at a rate of 10% of miles earned on qualifying purchases. LATAM caps this rate to 7,000 QP per calendar year.
Qualifying points apply towards elite tier status in the LATAM Pass frequent flyer program, part of the SkyTeam Alliance. Here is what you can expect from each tier in the LATAM Pass program:
| Gold | Platinum | Black | Black+ | |
|---|---|---|---|---|
| Courtesy upgrades w/ coupon | ✅ | ✅ | ✅ | ✅ |
| LATAM+ seat | – | ✅ | ✅ | ✅ |
| Seat selection | – | ✅ | ✅ | ✅ |
| LATAM lounges | – | ✅ | ✅ | ✅ |
| Other lounges | – | ✅ | ✅ | ✅ |
| Premium boarding | ✅ | ✅ | ✅ | ✅ |
| Special services | – | – | – | ✅ |
| Same day postpone | – | ✅ | ✅ | ✅ |
| Same day intl. postpone | – | – | ✅ | ✅ |
Related Article: The Ultimate Guide to the SkyTeam Alliance
How to Redeem Miles
The LATAM Pass rewards program is one of the richest programs in the Americas- and also one of the most popular. Points apply to travel with LATAM, LATAM subsidiaries, and LATAM codeshare partners, including their new partnership with Delta – the world’s largest carrier. Points also apply towards seat upgrades, additional baggage allowances, and other associated travel costs with LATAM and LATAM partners.
Beyond flights, points can also be used towards hotel stays with partners, including Marriott Bonvoy, Hilton Honors, IHG, Hyatt, and more. Points also apply to rental car hires with select partners and merchandise through LATAM retail partners.
No Annual Fee Airline Card Comparison
The LATAM Mastercard is a robust, no annual fee airline card – but how does it compare with other comparable offers? Here is a quick comparison between the LATAM Card and two other popular options:
 LATAM Airlines Mastercard® |
 Free Spirit® Travel World Mastercard® |
 Delta SkyMiles® Blue Amex |
|
| Alliance | SkyTeam | N/A | SkyTeam |
| Issuer | Cardless | Bank of America | American Express |
| Annual fee | $0 | $0 | $0 |
| Rewards | Earn 3X miles on LATAM purchases, 2X miles on dining, plus select transit, and 1X miles on all other purchases | Earn 2X points on eligible Spirit purchases and 1X on all other purchases | Earn 2X miles per dollar spent on purchases made directly with Delta,2X miles per dollar spent at restaurants worldwide, and 1X miles per dollar spent on other eligible purchases |
| Foreign transaction fee | $0 | $0 | $0 |
Do LATAM Pass Miles Expire?
Yes, LATAM miles expire, unlike miles from other carriers. LATAM Pass miles expire 36 months after they are earned. This means cardholders will have three years to accumulate and spend miles without fear of them disappearing.
Ideally, miles would not expire. Fortunately, the 36-month period offers adequate time to accumulate enough rewards for a lucrative free flight or stay.
LATAM Credit Card Comparison
Not sure which LATAM credit card is right for you? Here is a quick breakdown of both Cardless credit card offers:
| LATAM Airlines Mastercard | LATAM Airlines World Elite Mastercard | |
|---|---|---|
| Annual fee? | None | $99 |
| Earning rate | Up to 3X miles | Up to 4X miles |
| Lounge access? | N/A | 2 visits per year |
| Upgrade certificates? | N/A | 3 per year |
Other Card Features
Other notable features of Cardless’ LATAM Mastercard include:
- No foreign transaction fees
- No late fees
- No annual fee
The LATAM Mastercard also features Mastercard Platinum protections and benefits. These benefits include the following:
| Zero Liability Protection | Mastercard Global Services | ID Theft Protection |
Cardless Ratings
What is Cardless like to live with as a fintech and financial services company? Here is a wide selection of expert and consumer reviews for the company:
| BestCards | Better Business Bureau | TrustPilot |
|
4/5 |
3.5/5 |
3.5/5 |
Should You Apply for the LATAM Airlines Mastercard?
LATAM is South America’s largest carrier, and its relationship with Delta Airlines ensures that LATAM Cardholders will have significant value on their LATAM Pass rewards points. Delta is the world’s largest airline, combined with LATAM’s strengths in Latin America, making the combo something of a dream come true for frequent travelers.
While better airline cards may be available at higher price points, the addition of no annual fee for the first year makes the LATAM Mastercard an especially decent option – especially for those who frequently travel to South or Central America.
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