Mastercard® Gold Card™
- Annual fee
- $995 ($295 for each Authorized User added to the account)
- Recommended credit
- Excellent
- Card network
- Mastercard
- Regular purchase APR
- 20.74% to 28.74%
At a glance
The Mastercard® Gold Card™ is a lavish rewards credit card from Luxury Card™ that offers opulent rewards as well as a 24K gold-plated metal card design guaranteed to make a statement and catch the eye of anyone who sees it. Ideal for anyone who enjoys the finer things in life, it showers cardholders in exclusive benefits and VIP experiences.
Our review of the Mastercard® Gold Card™
The Mastercard® Gold Card™ is a top-tier credit card option that stands out for its exclusive perks and benefits. While it comes with a hefty $995 annual fee, the card offers a range of incentives and rewards that cater to affluent travelers and luxury enthusiasts.
Who Can Benefit from the Mastercard® Gold Card™?
The Mastercard® Gold Card™ is designed for individuals who prioritize luxury travel experiences and premium services. Here are the types of travelers who can benefit from this card:
- Frequent travelers: Those who travel often for business or leisure can take advantage of the travel perks and rewards offered by the Mastercard® Gold Card™.
- Luxury travelers: Individuals who prefer upscale travel experiences, such as access to airport lounges and personalized services, will appreciate the exclusive benefits of this card.
- High spenders: Travelers who make significant purchases regularly and value generous rewards and benefits, including cash back and travel credits, will find the Mastercard® Gold Card™ worthwhile.
- Global travelers: Those who frequently travel internationally can benefit from features such as no foreign transaction fees, access to the Mastercard Airport Concierge™ service, and global acceptance at luxury establishments.
How to Get the Card
The Mastercard® Gold Card™ is available in all 50 U.S. states and the District of Columbia. To qualify for this luxury travel rewards card, you will need to have excellent credit.
State-of-the-Art Metal Card Design
The Mastercard® Gold Card™ features a striking design made of 24-karat gold-plated stainless steel and carbon fiber. With a weight of 22 grams, the card exudes opulence and makes a lasting impression wherever it is used.
0% APR Balance Transfer Offer
For the first 15 billing cycles after opening your account, the Mastercard Gold Card offers a 0% introductory APR. After that, a standard variable APR applies to purchases and balance transfers based on your creditworthiness.
How to Earn Rewards
Cardmembers receive 2% back in value when redeeming rewards for airfare, cash back, or statement credits. The rewards scheme is straightforward and does not require calculating point values.
Travel Credits
The Mastercard® Gold Card™ offers statement credits for TSA Pre/Global Entry, annual airline purchases, and Priority Pass™ Select membership. Cardholders can also enjoy dining credits at select airport restaurants.
Luxury Card Travel® Benefits
Cardmembers have access to the Luxury Card Travel program, providing exclusive benefits such as dining experiences, room upgrades, and resort credits at over 3,000 properties worldwide.
Luxury Card Experiences
Cardmembers can participate in curated events through Luxury Card Experiences, offering unique opportunities such as VIP tastings and behind-the-scenes tours.
Luxury Card Concierge
The 24/7 concierge service assists with travel bookings, personal requests, and lifestyle needs. The service is personalized and utilizes advanced technology to provide tailored suggestions.
World Elite Mastercard Benefits
As a World Elite Mastercard product, the Gold Card offers enhanced security features, exclusive events, and partner offers with brands like Instacart, Lyft, and Peacock.
Other Card Benefits
Additional features include the Luxury Card mobile app, LUXURY MAGAZINE subscription, and comparison charts with other premium credit cards.
What We Like About the Card
The Mastercard® Gold Card™ stands out as a premium travel card with unparalleled benefits, catering to individuals who value luxury experiences and worry-free travel.
Things to Consider
The annual fee of $995 is a significant consideration, but the card’s benefits and perks can offset this cost for frequent travelers and luxury enthusiasts.
Should You Apply for the Mastercard® Gold Card?
For those seeking sophistication and exclusivity in a credit card, the Mastercard Gold Card from Luxury Card is an ideal choice. The card offers a range of valuable benefits and services that cater to high-demand lifestyles and luxury preferences. While the annual fee may seem steep, the perks accompanying the Gold Card make it a worthwhile investment for those who prioritize luxury travel experiences.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- Ideal for those seeking a top-of-wallet premium card with straightforward rewards and exceptional service. Cardholders can avoid juggling various cards and monthly statements while benefiting from travel perks and enhanced protection that exceeds standard credit cards.
- Offers a flat-rate redemption value of 2% for cash back or 2% value for airfare redemption with no airline or seat restrictions and no blackout dates. Cardholders earn one point for every dollar spent. Point redemption is simple, without requiring a complex reward strategy. The card features no foreign transaction fees, no earning caps, no rotating categories, and eliminates the need to pursue transfer partners to maximize point values.
- Annual Airline Credit—up to $200 in statement credits toward flight-related purchases including airline tickets, baggage fees, upgrades and more. Cardholders simply pay for airline purchases with their Mastercard Gold Card and the credit is automatically applied to their account. There's no need to activate or designate an airline. The full credit amount is available at the start of the calendar year.
- Up to a $120 application fee credit for the cost of TSA Pre® or Global Entry. Also, enjoy automatic enrollment in Priority Pass™ Select with access to 1,500+ airport lounges worldwide with no guest or lounge limits. Includes credits at select airport restaurants for cardholder and one guest.
- 24/7 Luxury Card Concierge®—Make requests the way you want by phone, email, SMS and chat in the app. Connect directly with a real agent and receive 24/7 assistance for tasks big and small. Requests do not require a purchase, incur no charge for making them, and do not involve department transfers.
- Exclusive Luxury Card Travel® benefits—average value of $500 per stay (e.g., resort credits, room upgrades, free wifi, breakfast for two and more) at over 3,000 properties. Receive protection benefits like trip cancellation and interruption, auto rental car collision waiver, travel accident and baggage delay. Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard® benefits.
Who this card may suit
- You're searching for a credit card that goes miles beyond offering simple rewards and instead emphasizes luxurious treatment and amenities
- You're looking for unparalleled 24/7 concierge service that works tirelessly to meet your personalized requests
- You frequently travel and can benefit from rewards that can be earned and redeemed towards future travel
- You frequently travel and can benefit from rewards that can be earned and redeemed towards future travel
Rates, fees and terms
| Annual Fee | $995 ($295 for each Authorized User added to the account) |
|---|---|
| Regular Purchase APR | 20.74% to 28.74% |
| Intro Balance Transfer APR | 0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening |
| Balance Transfer APR | 20.74% to 28.74%, based on your creditworthiness. There is a fee for balance transfers. |
| Balance Transfer Transaction Fee | Either $5 or 5% of the amount of each transfer, whichever is greater |
| Cash Advance APR | 29.99%. This APR will vary with the market based on the Prime Rate |
| Cash Advance Transaction Fee | Either $10 or 5% of the amount of each transaction, whichever is greater |
| Late Payment Penalty Fee | Up to $39 |
| Return Payment Penalty Fee | Up to $39 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit.
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Mastercard® Gold Card™
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