What Is the World of Westgate Mastercard?
If you vacation at Westgate Resorts, you may have come across the World of Westgate Mastercard. It is a co-branded travel rewards card built to reward guests who book stays, dining, and activities across Westgate properties.
The card is powered by Imprint and issued by First Electronic Bank, under a license from Mastercard. That is a change from the older Westgate Rewards Mastercard, which was issued by Comenity Bank and discontinued back in 2021. The details below are verified against the card's filed agreement as of June 2026. Always confirm current details on wowmastercard.com, since card programs can change.
Key Facts at a Glance
| Issuer | First Electronic Bank (powered by Imprint) |
| Network | Mastercard (usable anywhere Mastercard is accepted) |
| Annual fee | $0 |
| Purchase APR | 19.74% to 34.99% variable (Prime + 12.99% to 28.24%) |
| Rewards | 3% back at Westgate, 1% everywhere else, no cap |
| Welcome bonus | 50,000 points ($50) after 3 purchases in first 180 days |
| Foreign transaction fee | None |
| Other fees | Late and returned up to $35 each |
| Credit limit | No fixed published limit; one report cited $500 to start |
| Credit score | Typically good credit (around 700+) |
| Reports to | Major bureaus (Experian, TransUnion, Equifax) |
World of Westgate Mastercard Rewards
The card's appeal is its tiered rewards on Westgate spending. As of June 2026, it earns 3% back on Westgate Resorts purchases (including timeshare mortgage payments) and 1% back on everything else, with no annual fee and no cap on rewards. Rewards are redeemable only toward future Westgate stays and experiences, which makes the card most valuable for repeat guests.
There is also a welcome bonus: make three purchases in the first 180 days and you earn 50,000 points, redeemable for $50 back on Westgate purchases. There is no minimum-spend requirement to trigger it, though $50 is small compared with most travel-card bonuses.
Because it carries the Mastercard logo, you can use it almost anywhere Mastercard is accepted, not just at Westgate. The filed agreement lists a $0.00 annual fee, no foreign transaction fee, and a variable purchase APR of 19.74% to 34.99% based on creditworthiness, built on the Prime Rate plus a 12.99% to 28.24% margin. Late and returned payment fees are up to $35, and your due date is at least 21 days after the close of each billing cycle. Confirm current rates on the official site, since they can change.
Approval, Limit, and Application Pull
Co-branded travel cards generally favor applicants with at least good credit, and approved cardholders typically report scores around 700 or higher. A helpful detail: Imprint lets you see whether you are approved and what limit you would get before a hard pull, then only runs the hard inquiry if you accept. There is no fixed published starting limit; one reported approval cited a $500 starting line, with the actual amount set by income and credit profile. The account reports to the major bureaus, so on-time payments support your score. The no foreign transaction fee is a genuine perk for the travel this card is built around.
Who Should Consider This Card
The World of Westgate Mastercard makes the most sense for loyal Westgate Resorts guests. If you book stays there regularly, the 3% rewards on Westgate purchases can meaningfully offset future trips.
If you only visit occasionally, the value drops, since the best rewards are tied to one brand and can only be redeemed at Westgate. A general travel or cash-back card might serve you better in that case. The 1% on everything else is below what a flat-rate cash-back card pays, so this is not a card to use as your everyday spender. If your credit is thin or you are still rebuilding, approval is not guaranteed, so building your credit first brings cards like this within reach.
A Starter Card for Building Credit
If the World of Westgate Mastercard is out of reach right now, focus on building a positive credit history so you can qualify for premium travel cards later.
If approval is your main concern, the Aspire Cash Back Rewards Mastercard is designed for people with limited or rebuilding credit. It offers up to 3% cash back and reports to the major credit bureaus, which is the part that helps your score climb. Review the terms before applying, since fees and APRs vary by creditworthiness.
Aspire® Cash Back Rewards Mastercard
Aspire® Cash Back Rewards Mastercard
Aspire® Cash Back Rewards Mastercard. Prequalify* For Up To $1000 Credit Limit. No security deposit. Packed with great benefits, it’s designed to give you more flexibility—and purchasing power—along with up to 3% cash back rewards!** Good anywhere Mastercard is accepted, it’s the go-to card for any lifestyle.
Standout feature
Up to 3% cashback rewards
Fees
$49 to $175; after that $0 to $49 annually; - $60 to $159 annually billed at $5 to $12.50 per month after the first year.
Pros
No Deposit Required. Prequalify for up to $1000 credit limit
Cons
High APR. 25.74% to 36%, based on your creditworthiness.
Want Rewards on the Way Up?
Travel rewards cards are exciting, but they are not the only path while you build credit. You can earn a little back along the way.
If your credit is already in decent shape and you use investing apps, the Robinhood Gold Card offers 3% cash back with no foreign transaction fee, which is handy for the travel a Westgate trip involves. It opens through a Robinhood brokerage account, so you need a Robinhood account to apply. It can appeal to people who want rewards plus a modern app experience.
Free tools like Creditship.ai let you monitor your score and understand what helps or hurts it, so you can watch your progress toward a card like the World of Westgate Mastercard.
Robinhood
Robinhood
Robinhood is a trading platform that brings stocks, ETFs, options, futures, prediction markets, crypto, and retirement accounts together in one app.
Standout feature
One platform for stocks, ETFs, options, futures, prediction markets, and crypto
Fees
$0 commission on stocks, ETFs, and options.
Pros
Zero-commission trading on stocks, ETFs, and options
Cons
Best perks (high APY, lower margin rates) require Gold subscription ($5/month)
Frequently Asked Questions
Who issues the World of Westgate Mastercard?
The card is issued by First Electronic Bank and powered by Imprint, under a license from Mastercard. This replaced the older Westgate Rewards Mastercard, which was issued by Comenity Bank and discontinued in 2021. Check the official site for current details.
What rewards does the World of Westgate Mastercard offer?
As of June 2026 it earns 3% back on Westgate Resorts purchases (including timeshare mortgage payments) and 1% back everywhere else, with no annual fee and no cap. New cardholders also earn 50,000 points (worth $50 at Westgate) after three purchases in the first 180 days. Rewards can only be redeemed toward Westgate stays and experiences.
What credit score, limit, and APR apply?
It generally favors applicants with at least good credit, with approved cardholders often reporting scores around 700 or higher. There is no fixed published starting limit (one report cited $500). The filed agreement lists a variable purchase APR of 19.74% to 34.99%, a $0 annual fee, no foreign transaction fee, and late or returned payment fees up to $35.
Can I use the World of Westgate Mastercard anywhere?
Yes. Because it carries the Mastercard logo, you can use it nearly anywhere Mastercard is accepted. The strongest rewards, however, are earned on Westgate Resorts purchases.
