BHG WORLD Mastercard®
Take on the world with the help of your Travel and Lifestyle Concierge, while earning 3% cash back every time you dine out.1,2
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World Mastercard Image
Premium features,
premium benefits
Intro Offer
Earn a $300 cash back bonus with $5,000 spend in first 90 days3
Intro APR
on balance transfers for 6 months, made in the first 60 days—after that, a variable APR of 16.99% to 26.99% will apply based on creditworthiness
benefits, amenities, upgrades and preferential treatment
Cash Back
on dining; 2% on travel1,2
Feel secure whenever and wherever you are
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ID Theft Protection
We are watching out to keep your identity safe and protected
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Zero Liability
Pay only for the purchases you have authorized
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Global Emergency
Lost and stolen card reporting and replacement assistance 24 hours a day, 7 days a week
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Marquee Benefit
Travel & Lifestyle Services
Get the most from all of your travels whether you are planning a last-minute getaway or your dream family vacation.
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Industry-leading credit features
Intro Offer
Earn a $300 cash back bonus with $5,000 spend in the first 90 days.3
Cash Back
Unlimited 3% cash back on dining and charitable donations; 2% on travel; 1% on all other purchases.1, 2
Intro APR
0% APR on balance transfers for 6 months, made within the first 60 days.
Annual fee of $195 (waived first year). No hidden fees. No over limit fees.
Travel & Lifestyle Services
Enjoy access to Mastercard Travel & Lifestyle Services, a suite of benefits, amenities and upgrades, preferential treatment, and premium travel offers.
Priceless Cities Offers & Experiences
Engage in exclusive, once-in-a-lifetime experiences with the people you love in the cities where they live and travel.
Digital Merchant Offers
Enjoy exclusive offers with popular digital brands every day, time-saving products and services.
ID Theft Protection
Detection of identity and fraud threats. Alerts on suspicious activity. Identity theft support and resolution.
Master Rental
Coverage for physical damage and theft to a rental vehicle when transaction is with an eligible Mastercard and rental company insurance is declined.
Mastercard Global Services
24-hour assistance with lost and stolen card reporting, emergency card replacement and emergency cash advance.
Airport Concierge
Enjoy a 15% savings on Airport Meet and Greet services at over 700 destinations worldwide 24 hours a day, 7 days a week.

1We group similar merchant category codes into Purchase Categories that are used to calculate the stated rewards. We make every effort to include all relevant merchant category codes in the listed Purchase Categories. However, even though a merchant or the items that it sells may appear to fit within a Purchase Category, the merchant may not provide us with the merchant code that will fall within that Purchase Category. Because of this, we cannot guarantee that a purchase will qualify for more than the standard 1 point per dollar spent as any purchase where a merchant uses a category code outside of the eligible Purchase Category does not qualify for additional cash back rewards.

23% cash back per $1 spent on dining and charitable and social service organizations; 2% cash back per $1 spent on travel: airlines, hotels, Uber and Lyft; and 1% cash back per $1 spent on all other purchases. Rewards are earned as points that can be redeemed for cash back in the form of a statement credit. For details on the Rewards Program, please see the Rewards Program Agreement. Rewards options are subject to change without notice.

3The Rewards Bonus period begins on the date your account is approved and ends 90 days later.

Subject to credit approval. Ask for details.

The BHG Mastercard® is issued by Blue Ridge Bank, N.A. pursuant to a license by Mastercard International. Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.