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Najem Financial Travel Rewards

Travel the world
on your rewards

3X MILES

Earn triple miles on every travel purchase — flights, hotels, car rentals. Double miles on dining worldwide. One mile on everything else. Your next adventure is closer than you think.

Apply Now — 5 min Compare Cards
No foreign transaction fees 75,000 welcome miles Airport lounge access
75,000 welcome miles
WORLD ELITE TRAVEL
Najem Financial
•••• •••• •••• 7823
Card Holder
John A. Traveler
Expires
12/28
MASTERCARD
WORLD ELITE
$300
Annual Travel Credit
1,300+
Lounges Worldwide

Welcome Offer

Earn

75,000

BONUS MILES

After spending $4,000 in the first 3 months of account opening.

That's enough for a round-trip flight to Europe — in Business Class

500+
Airline Partners
150+
Countries
1:1
Transfer Ratio

Featured Cards

Choose your travel card

Both cards earn miles. Pick the one that fits your travel style and spending habits.

World Elite Travel
•••• •••• •••• 7823
NAJEM FINANCIAL

Mastercard World Elite

Premium Travel
$95
Annual Fee
Variable APR 20.99%

Earn Rates

Travel, Hotels & Car Rentals
3x
Dining Worldwide
2x
Everything Else
1x

Key Benefits

  • $300 annual travel credit
  • Airport lounge access (1,300+ lounges)
  • $85 TSA PreCheck / Global Entry credit
  • No foreign transaction fees
  • Trip cancellation & interruption insurance
Apply for World Elite
Platinum Travel
•••• •••• •••• 9947
NAJEM FINANCIAL
AMEX

Amex Platinum Travel

Ultra Premium Concierge
$695
Annual Fee
Variable APR 21.49%

Earn Rates

Flights (booked directly)
5x
Hotels (prepaid, portal)
3x
Dining
2x

Key Benefits

  • Premium travel benefits & credits
  • 24/7 concierge service
  • Global lounge access (Centurion Lounges)
  • Hotel elite status (Marriott, Hilton)
  • $200 airline fee credit annually
Apply for Platinum Travel

Miles Projections

Miles earned over 12 months

Based on $3,000/month spend. See how fast your miles stack up.

World Elite Travel
Standard Rewards Card

Card Benefits

Everything you need to travel confidently

$300 Travel Credit

Automatically applied to the first $300 of travel purchases each anniversary year — flights, hotels, rideshares, and more.

Airport Lounge Access

Access 1,300+ airport lounges worldwide through Priority Pass. Enjoy complimentary food, drinks, and Wi-Fi before your flight.

No Foreign Transaction Fees

Spend abroad without paying the typical 3% foreign transaction fee. What you spend is what you pay — nothing more.

Trip Cancellation Insurance

Covered up to $10,000 per trip if you need to cancel or cut short your trip due to a covered reason like illness or severe weather.

Baggage Delay Insurance

Up to $500 in reimbursements for essential items if your bags are delayed more than 6 hours. No receipt required for expenses under $50.

Car Rental Insurance

Decline the rental company's collision damage waiver and get primary coverage up to the actual cash value of most rental vehicles.

Simple Process

How to redeem your miles

Four simple steps from earning to flying.

1
💳

Earn Miles

Use your travel card for everyday purchases. Earn up to 3x miles on every dollar spent on travel and hotels.

2
🔄

Transfer Points

Transfer miles 1:1 to 15+ airline and hotel loyalty programs. Or keep them in Najem Financial Rewards for maximum flexibility.

3
🎟️

Book Your Trip

Use the Najem Financial Travel Portal to search and book award flights, hotels, and car rentals with your miles. No blackout dates.

4
✈️

Fly & Explore

Head to the airport, enjoy your lounge access, board your flight, and explore your next destination.

FAQ

Frequently asked questions

How do I earn miles on my travel card?
Miles are earned automatically every time you use your Najem Financial travel card. Earn 3 miles per $1 on travel (flights, hotels, car rentals, taxis), 2 miles per $1 at restaurants worldwide, and 1 mile per $1 on all other purchases. Miles post to your account within 2–3 business days.
Do my miles expire?
No. Your Najem Financial miles never expire as long as your account remains open and in good standing. You can accumulate miles at your own pace without worrying about losing them.
Which airlines can I transfer my miles to?
Najem Financial miles transfer 1:1 to 15+ airline partners including major carriers. Partners include programs across all three major global alliances. Transfers typically process within 24–48 hours and are irreversible, so check award availability before transferring.
Is the annual fee worth it for the World Elite card?
For most travelers, yes. The $95 annual fee is easily offset by the $300 travel credit alone — resulting in a net benefit of $205. Add lounge access ($429 retail value), the $85 TSA PreCheck credit, and the 75,000 welcome bonus miles, and the first-year value can exceed $1,500.

Start Earning

Your next adventure
starts with one application

Apply in as little as 5 minutes. Get a decision instantly. Start earning miles on your very first purchase.

Apply for World Elite Talk to an Advisor

Applying won't affect your credit score. Variable APR 20.99%. See rates & fees.