Mastercard® Gold Card™

Apply for Mastercard® Gold Card™ Apply now for Mastercard® Gold Card™ at Luxury Card's secure site

Best for luxury perks without fussing over rewards programs

Those looking for travel protections, lounge access and meet-and-greet services will find them here and may believe these justify a $995 annual fee while not earning a sign-up bonus or having access to a strong rewards program.

At a glance

  • 2% 2% Value for Airfare Redemptions
  • 2% 2% Value for Cash Back Redemptions
  • 1X Earn one point for every one dollar spent.
no offer
29.74% Variable
19.49% Variable
0% intro APR for first 15 billing cycles on BT within first 45 days; After that - 19.49% Variable APR
19.49% Variable
$995 ($295 for each Authorized User added to the account)
740-850
Excellent/Very Good Credit
  • Patented 24K-gold-plated front and carbon back-weighing 22 grams.
  • 2% value for airfare redemptions with no blackout dates or seat restrictions. 2% value for cash back redemptions. Earn one point for every one dollar spent.

At a glance

  • 2% 2% Value for Airfare Redemptions
  • 2% 2% Value for Cash Back Redemptions
  • 1X Earn one point for every one dollar spent.
no offer
29.74% Variable
19.49% Variable
0% intro APR for first 15 billing cycles on BT within first 45 days; After that - 19.49% Variable APR
19.49% Variable
$995 ($295 for each Authorized User added to the account)
740-850
Excellent/Very Good Credit
  • Patented 24K-gold-plated front and carbon back-weighing 22 grams.
  • 2% value for airfare redemptions with no blackout dates or seat restrictions. 2% value for cash back redemptions. Earn one point for every one dollar spent.
  • Annual Airline Credit—up to $200 in statement credits toward flight-related purchases including airline tickets, baggage fees, upgrades and more. Up to a $100 application fee credit for the cost of TSA Pre✓® or Global Entry.
  • Enrollment in Priority Pass™ Select with access to 1,300+ airport lounges worldwide with no guest limit. Includes credits at select airport restaurants for cardholder and one guest.
  • 24/7 Luxury Card Concierge®—available by phone, email and live mobile chat. Around-the-clock service to help you save time and manage tasks big and small.
  • 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.
  • Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard® benefits.
  • Annual Fee: $995 ($295 for each Authorized User). Terms and conditions apply.
Apply now for Mastercard® Gold Card™ at Luxury Card's secure site

Our Take

TPG Editor's Rating

tooltip icon
2/5

Overview

There are premium perks and a premium price tag. However, there is no welcome bonus and those who maximize rewards will find the points options lacking.

Read the full review

Pros

  • Premium travel protections and premium shopping protections are abundant. You'll also enjoy Priority Pass Select membership for lounge visits, reimbursement for your application fee to TSA PreCheck or Global Entry and up to $200 per year in airline fee reimbursements.

Cons

  • The card has an annual fee of nearly $1,000 but offers annual credits below half that amount. It is difficult to justify this annual fee considering the perks aren't much better than the Black Card that has an annual fee that's $500 less.

Who is this card good for?

This card is good for those who want premium perks, are willing to pay for them and view rewards as an afterthought. If you want luxury benefits and rarely cash in your rewards, this card might be a good fit for you.

Earning Rewards

You’ll earn 1 point per dollar on all purchases. Points can be redeemed at a 2% value for airfare redemptions, statement credits or into your bank account.