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Sonesta World Mastercard Review

overall rating

A valuable card for Sonesta regulars who spend enough to earn the annual bonus

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The Sonesta World Mastercard offers the chance to earn up to 95,000 bonus points. You'll get 60,000 bonus points for spending $1,000 in purchases within the first 90 days of account opening and 5,000 additional points after adding an authorized user within the same time frame. Plus, you'll get 30,000 bonus points at your Account Anniversary if you spend at least $7,500 on purchases every year. You’ll also earn 3 points per dollar spent on purchases from Sonesta, which has a relatively small number of hotels and resorts and also offers cruises. The card’s $75 annual fee is waived in the first year.

Sonesta World Mastercard®

Overall Rating
Sonesta World Mastercard®
On Bank of America's Secured Site.
Current Offer

Earn up to 95,000 in bonus points. 60,000 bonus points after spending at least $1,000 on purchases within the first 90 days of account opening. 5,000 additional points after adding an authorized user within the first 90 days of account opening. 30,000 bonus points at your Account Anniversary if you spend at least $7,500 on purchases every year.

Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 16.24% - 26.24% variable
Annual Fee $0 Introductory Fee for the first year. After that, $75.
Rewards Earning Rate 3 points on eligible Sonesta purchases, 2 points on eligible airfare, car rental and dining purchases, and 1 point for every $1 spent on all other purchases.
Balance Transfer Fee Either $10 or 3% of the amount of each transaction, whichever is greater.
Foreign transaction fee (%) 0%
how this card stacks up
When compared among all rewards cards in our database:
Low Fees
Security/Customer Experience
Low Interest
worst best

The Sonesta World Mastercard® is not one of our top-rated hotel credit cards. You can review our list of the best hotel credit cards for what we think are better options.

Full Review of Sonesta World Mastercard

  • Opportunity to earn a strong card-anniversary bonus

  • Automatic upgrade to elite status

  • One-time offer is relatively easy to earn

  • Low rewards value

  • Points can only be redeemed for Sonesta stays

  • $75 annual fee after the first year

Pros Explained

  • Opportunity to Earn a Strong Card-Anniversary Bonus: You can earn 30,000 bonus points on your account anniversary if you spend at least $7,500 on purchases each anniversary year. With Sonesta points worth an average of $0.0075 each based on our estimates—three-quarters of a cent—that bonus hands you an estimated $225 in spending power for stays at Sonesta. That’s triple the card’s annual fee of $75. Put another way, reaching the spending level required to earn the bonus more than doubles the rewards your earn on every dollar spent. (See How To Maximize Your Rewards for the detailed math.)
  • Automatic Upgrade to Elite Status: As a cardholder, you’ll qualify for Sonesta Travel Pass’s top elite membership level called Elite. Benefits include an exclusive priority reservations line, guaranteed room bed type, early check-in, late check-out, priority self-parking, a $15 sip 'n snack credit for each visit to a Sonesta ES Suites, complimentary room upgrade, choice of welcome amenity, complimentary non-alcoholic beverage, discounted suite upgrades and complimentary club lounge access (or continental breakfast daily). These benefits may be based on availability.
  • One-Time Offer is Relatively Easy to Earn: You can earn all parts of the one-time offer for this card with relative ease and simplicity. You simply have to add an authorized user in the first 90 days to earn one part—5,000 points we estimate are worth $37.50. The other bonus (60,000 points worth an estimated $450) requires spending only $1,000 in the first 90 days after account opening. By contrast, some other cards require $3,000 or $5,000 of spending to earn their bonuses, although the value of those benefits is usually higher than this one. You'll also get 30,000 bonus points at your account anniversary if you spend at least $7,500 on purchases every year. In total, that's 95,000 bonus points.

Cons Explained

  • Low Rewards Value: According to Investopedia's valuation, Sonesta points are worth about three-quarters of a cent each when used for Sonesta stays, which is the only option for redeeming them. That isn’t the lowest point value we’ve calculated; we estimate Hilton and Radisson points are worth less than a half-cent each. But cards from those other chains tend to offer a far higher number of points per dollar spent on stays and other chain spending than the 3 points per dollar of the Sonesta World Mastercard. For example, the Hilton Amex Surpass, which does have a slightly higher annual fee ($95 rather than $75), offers 12 points per dollar spent at Hilton, which works out to more than twice the overall value of the Sonesta rewards.  
  • Points Can Only Be Redeemed for Sonesta Hotel Stays: Many other hotel rewards programs offer several redemption options in case you don’t want to use your points to book an award night stay. Sonesta rewards can be used only for stays at the chain’s hotels and resorts. And where many other chains have thousands of properties, Sonesta has only about 300 hotels and resorts around the world.
  • $75 Annual Fee After the First Year: The Sonesta World Mastercard has an introductory $0 annual fee during the first year. Unfortunately, the fee increases to $75 each year thereafter. 

Who This Card Is Best For

The Sonesta World Mastercard is for people who stay at Sonesta-brand hotels and want to easily enjoy the benefits of the chain’s highest status level, Elite, when they do so. Without having to accumulate the 12 nights a year needed to earn Elite, you immediately earn its extras, including free continental breakfast, a welcome gift, and priority parking.

It’s also a card for people prepared to use it to charge at least six hundred dollars or so a month in purchases, in any category. Such spending allows you to earn the 30,000-point anniversary bonus awarded if your annual spending reaches at least $7,500. That spending delivers a bonus that’s worth more than $200 in value for Sonesta stays. Even with its anniversary- and one-time offers, the Sonesta World Mastercard is a card for those for whom rewards value is not a top priority. At best, when used for Sonesta purchases, the points earned equate to a value of 2.25 cents (3 X 0.75 cents) per dollar spent, which is significantly below the value of other major hotel co-brand cards provide for hotel purchases.

Sonesta World Mastercard Bonus

This card offers several bonuses. First, you can earn 60,000 bonus points by spending at least $1,000 in purchases within the first 90 days of opening your account. Next, you can earn 5,000 points for adding an authorized user within the first 90 days of account opening. Then, you'll receive 30,000 bonus points at your account anniversary if you spend at least $7,500 on purchases every year. Together, these points are worth an estimated $713 in value for Sonesta stays. Put another way, they might get you almost a week's worth of award night stays in a tier 1 hotel, a few award nights in a tier 3 hotel, or two award nights in a tier 9 hotel.

As with most cards, you are limited to one bonus offer per new account and the bonus does not apply when converting existing accounts. Expect points to take four to six weeks to post to your account after qualifying for the bonuses.

Rewards Earning Details

You earn 3 points per dollar spent on eligible Sonesta purchases; 2 points per dollar spent on eligible airfare, car rental, and dining purchases; and 1 point per dollar spent on all other purchases. We calculate the average value of each Sonesta point at $0.0075—three-quarters of a cent. That means you earn the equivalent of 2.25 cents per dollar spent at Sonesta, 1.5 cents on other travel purchases, and three-quarters of a cent on all other spending. 

Points earned do not expire and do not have any black-out dates. That said, redemption reservations are based on availability. The Sonesta Travel Pass program also states they can terminate, modify, revise, or change the program at any time, including reducing the value of benefits or points and changes may result in forfeiture of unused points.

Rewards Redemption Details

Redeeming the points you earn is a bit more complex than with most hotel programs. Points can be redeemed for hotel stays based on the tier rating of the Sonesta property. Redemption amounts are as follows:

  • Tier 1: 10,000 points per night
  • Tier 2: 12,500 points per night
  • Tier 3: 15,000 points per night
  • Tier 4: 17,500 points per night
  • Tier 5: 20,000 points per night
  • Tier 6: 22,500 points per night
  • Tier 7: 25,000 points per night
  • Tier 8: 27,500 points per night
  • Tier 9: 30,000 points per night
  • Tier 10: 40,000 points per night
  • Tier 11: 50,000 points per night

Most hotel chains allow you to book reward nights online, directly using their booking engines. To redeem rewards with Sonesta, though, requires you to either fill out an online form or call 855-622-2160. This adds an extra step in the process which can be frustrating to those used to redeeming rewards seamlessly with other rewards programs.

Transferring Points

You can’t transfer points from your Sonesta rewards account to any other person or program. 

How to Maximize Your Rewards

Making the most of the Sonesta World Mastercard begins, unsurprisingly, with using the card for all purchases at the chain, which earn the best rewards. You can, of course, also use it for other travel purchases, to earn the next-best rewards rate, or even for miscellaneous purchases, which earn the least. Despite their modest returns, consider using these purchases as needed to reach the $7,500 in annual spending required to earn the 30,000-point anniversary bonus. Worth more than $200, that points boost essentially adds an extra 4 points (worth 3 cents) in rewards to every dollar you spend to reach the spending limit, which is a hefty bonus indeed.

When it comes to redeeming rewards for stays at Sonesta (the only option, remember), focus on redemptions that maximize the value of your points. As with many loyalty programs, that value can vary by the property you choose for your stay. And try to be flexible with your schedule, since awards nights may sell out for certain periods. 

Here are examples of how much value can vary by property. A one-night stay at the Sonesta ES Suites Montgomery in a studio suite, using the Sonesta Travel Pass member rate, would cost $110 including taxes and fees. If you use points, the stay would cost 15,000 points. That tab yields a value per point of roughly 0.7 cents, which is almost exactly the average we calculated from researching numerous redemptions.

By comparison, a night in a standard room at the Sonesta Resort Hilton Head Island would cost $446 per night including taxes and fees using the Sonesta Travel Pass member rate. You can book this hotel for 27,500 points per night. This redemption would yield a per-point value of about 1.6 cents, which is double our average value and the cost per point of the Sonesta Montgomery property.

As you research redemption options, then, be ready to calculate the per-point value you’d get for each by dividing the cash price of the hotel room by the number of points you’d have to use for an award night. Multiply the resulting number by 100 to get the value of your points in cents for each redemption option. The higher the value per point, the better the value of the redemption. 

Sonesta World Mastercard's Outstanding Benefits

  • 30,000 bonus anniversary points with $7,500 in purchases during an anniversary year
  • Elite status with Sonesta Travel Pass

Standard Benefits

  • 5% off on purchases at locations worldwide
  • $15 sip ‘n snack credit for each stay at Sonesta ES Suites locations
  • 15% discount on dining and resort amenities
  • Complimentary room upgrades, when available
  • Discounted suite upgrades, when available

Cardholder Experience

The Sonesta World Mastercard is issued by Bank of America, which was ranked 5th out of 11 national card issuers and scored below average in the J.D. Power 2021 U.S. Credit Card Satisfaction Study.

Bank of America cardmembers can manage their accounts online or through the Bank of America mobile app. This card can also be added to digital wallets to shop in-store or in-app using Google Pay, Samsung Pay, and Apple Pay. 

If you have questions about your account or need help with something, customer service is available by phone at 800-732-9194. You can also connect with a customer service representative through live chat. 

Security Features

The security features this card offers are standard for the credit card industry. The card has contactless payment technology, digital wallet support, account alerts, and more.

Final Verdict

With its points redeemable only at the 300 or so Sonesta properties around the world, the Sonesta World Mastercard obviously has limited appeal, especially if none of those hotels or resorts is located where you would like to visit. If you’re a Sonesta regular, though, you should be able to earn more value through this card’s points and benefits than with any other card. That’s certainly the case if you spend the average of $625 a month required to earn the card’s annual bonus of 30,000 points—which we recommend reaching even if it requires some spending at the lowest rewards rates.

However, other than the spending needed to reach the required “spend” for the annual bonus, the Sonesta World Mastercard is a dubious choice for anything except Sonesta spending. Its rewards for non-Sonesta purchases are so low that you should be able to earn more value from other cards, including one that earns 2% in cash back and has no annual fee.

Next Steps
For Sonesta World Mastercard®
on Bank of America's Secured Site.
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Sonesta World Mastercard®
overall rating
Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 16.24% - 26.24% variable
Annual Fee $0 Introductory Fee for the first year. After that, $75.
Rewards Earning Rate 3 points on eligible Sonesta purchases, 2 points on eligible airfare, car rental and dining purchases, and 1 point for every $1 spent on all other purchases.
Investopedia Credit Card Rating Methodology
Investopedia is committed to delivering the best credit card recommendations in the industry. We’ll tell you when a card is good, we’ll tell you when a card is bad, and we’ll only call a card the best if we would recommend it to our friends or family members.
Overall Star Rating Explained
To rate credit cards we objectively assess, score and weight nearly 100 individual card features which roll up into five major feature sets: fees, interest, rewards, benefits and security/customer service. Here’s how we weighted those feature sets for the overall star rating of a card:
We have applied our proprietary rating methodology to every generally-accepted credit card in the U.S. domestic market to allow consumers to make fully informed choices. It’s important to note that for our overall score that we make a number of assumptions about how you would be using your credit card:
  1. While we make no assumption as to whether balances are carried on a given card we do assign varying weights to all credit cards’ introductory APR (if present) in addition to the regular, long term purchase and balance transfer interest rates.
  2. We utilize BLS (U.S. Bureau of Labor Statistics) income and average category spending data to calculate annual earnings rates for rewards cards that offer cash back, points or miles rewards at a set rate on all spending or in consideration of bonus rewards for certain spending categories, like gasoline, groceries, restaurants or travel.
  3. We determine the maximum points value of rewards cards by dividing the points, cash back or miles required to exchange for the retail price of the most valuable redemption option (for example, in the case of a card that offers a domestic roundtrip airline ticket as a redemption option vs. another redemption option of lesser value that requires the same amount of points or miles to acquire, we would base the rewards value on the airline ticket).
  • Cards that are selected best overall in their respective categories generally feature most if not all of the following attributes:
  • Low or Reasonable Fees Credit card fees come in many forms but the primary ones involve those for annual card membership and balance transfer. There are a myriad of reward and non-reward card options that charge no annual fee but for the many that do assess an annual fee the cost is often justified by their lucrative ongoing rewards and initial signup bonuses. Balance transfer fees are occasionally waived during introductory periods with certain cards, a factor which is heavily and positively weighted in our scoring model for cards offering this benefit. When charged, balance transfer fees range between 3% - 5%, which we grade accordingly. Other standard fees can generally be avoided, such as those for paying late or taking cash advances but we rate those relative to other cards in the market for reference, though with less weight assigned
  • Competitive Interest Many cards offer 0% introductory APR on purchases and balance transfers for varying lengths and then revert to a permanent or regular APR (based on a variable rate tied to the prime rate) that applies to any balances not paid in full. We rate both introductory APR percentage and length (in months) along with the midpoint of the variable regular APR interest rate range.
  • Valuable Rewards Credit card reward programs can be based on cash back, points or travel rewards (which can be generic or travel partner-specific, as with airline and hotel co-brand card programs). For cards that offer rewards we determine the value per dollar spent along with average redemption values and assign more favorable ratings to cards that offer superior consumer value. We also assign value to sign-up bonus offers and their initial spending requirements, when present.
  • Excellent Benefits Credit card benefits cover a range of offerings like concierge service, TSA Pre-check, auto rental coverage, travel accident insurance, lost luggage assistance and free credit scores. We rate cards on the number and level of over a dozen standard and upscale benefits and provide extra weighting emphasis for those travel-related perks that apply to premium travel cards when present.
  • Solid Security/Customer Service Security and customer service features like lost or stolen card replacement, being able to lock one’s card from an issuer app and 24 hour customer support are becoming more standard across the card market and we provide a significant amount of weighting to features in this area.
  • You can also read the full version of our methodology for a more in-depth look at how we assess cards and award them the best in various categories.