- Click APPLY NOW to apply online.
- Earn 2X points on Airfare and Hotel reservations booked through LuxuryCardTravel.com. One point for every one dollar you spend for all other categories, earning points every time you spend.
- Redeem at 2% value for airfare or cash back. For example, when you redeem 50,000 points you will get $1,000 value for airfare or cash back, issued as a direct deposit statement credit.
- $300 Annual Airline Credit: Receive up to $300 in annual statement credits toward flight-related purchases, including airline tickets, baggage fees, upgrades and more. No enrollment or airline designation required.
- $200 Annual Dining Credit: Get up to $200 in annual statement credits when you use your Luxury Card for restaurant transactions. No enrollment, designated restaurant networks or third-party apps required.
- $200 Ship&Play Credit: Send your belongings ahead of time with Ship&Play and receive up to $200 in credits annually.
- Receive up to $120 reimbursement credit for a Global Entry or TSA PreCheck® application for each Mastercard Gold Card Primary Cardmember and Authorized Users.
- Your time is valuable and Luxury Card Concierge makes life easier. Agents are available to provide you with personal assistance, tailored to your specific request. Concierge can assist with travel planning, dining reservations, everyday tasks such as sending flowers or researching products and services. Available 24/7: Call, email, text, or chat with agents.
- Enjoy automatic complimentary access to over 1,800 airport lounges. Access includes participating airport restaurants, mini-suites and unlimited visits for yourself as well as your guests.
- Made with 24K Gold®: A contactless, patented metal card design that raises the standard.
- Exclusive Luxury Card Travel® benefits—average value of $750 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.
- Annual Fee: $1,199 ($349 for each Authorized User). Terms and conditions apply.
- The Luxury Card trademarks are property of Barclays Lifestyles LLC. BLACK CARD is a registered trademark used under license. Luxury Card products are issued by Barclays Bank Delaware pursuant to a license from Mastercard International Incorporated, owner of the registered trademarks Mastercard, World Elite Mastercard, and the circles design. All trademarks are the property of their respective owners. © 2026 Barclays Lifestyles LLC
While this site receives compensation from companies listed here, this does not influence our ratings or reviews. Learn more here.
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Annual Fee$1,199 ($349 for each Authorized User added to the account)
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Welcome OfferN/A
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Rewards Rate2% / 1X - 2X points
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Credit Needed
Bottom Line
The rewards rate for airline redemption is solid. Redeem for any airlines with no blackout dates. The real value in the Luxury cards are the massive array of benefits and features that come along with the high status luxury cards. If you travel frequently, the airport lounge access, the concierge service and exclusive travel benefits could significantly improve your travel experience.
Our Take
The Good
Extensive array of luxury benefits.
The Not So Good
High annual fee. No sign-up bonus.
HIGHLIGHTS
Additional Details
Card Fees
- Foreign Transaction Fee: 0% of each transaction in U.S. dollars.
- Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
- Penalty APR: N/A
Ongoing Information
- Rewards Rate: Earn 2X points on Airfare and Hotel reservations booked through LuxuryCardTravel.com. One point for every one dollar you spend for all other categories, earning points every time you spend. Redeem at 2% value for airfare or cash back.
- Annual Fee: $1,199 ($349 for each Authorized User added to the account)
Editorial Note: This content is not provided by Luxury Card. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Luxury Card.
Expert Reviews
From the CompareCards.com Editorial Team, updated on Sep 14, 2026
If you are looking for a premium status credit card, the Mastercard® Gold Card™ could be a good choice. It’s made of gold. Yes, real 24K gold , weighing in at a hefty 22 grams. This card has the highest annual fee of the three Luxury Cards, which are issued by Barclays Bank, but also the biggest line-up of luxury benefits.
Elevate your travel experience with 24/7 Luxury Card concierge service, VIP airport lounge access, and exclusive travel benefits that may include complimentary room upgrades and other amenities at properties in the Luxury Card Travel program.
Cardholders earn 2X points on Airfare and Hotel reservations booked through LuxuryCardTravel.com. One point for every one dollar you spend for all other categories, earning points every time you spend. Redeem at 2% value for airfare or cash back. This top-of-the-line card comes with an annual airline credit worth up to $300 and up to a $120 Global Entry or TSA PreCheck® application fee credit.
There are no foreign transaction fees, which can save you up to 3% when you travel abroad. Cardmembers also get cell phone protection.
You could save money on high interest charges when you transfer your balance to this card with 0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening. After that, (and for balance transfers that do not post within 45 days of account opening) the APR will be 19.49% to 27.49%, based on your creditworthiness and other factors. This APR will vary with the market based on the Prime Rate..
The annual fee is $1,199 ($349 for each Authorized User added to the account). Terms and conditions apply.
Expert Reviews of Mastercard® Gold Card™
Related Card Offers
Our pick for best rideshare rewards
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Annual Fee$895
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Regular APRSee Pay Over Time APR
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Rewards Rate
- Earn 5X Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings.
- Earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
5X points -
Credit NeededGood / Excellent
Bottom Line
American Express Platinum Card® offers a number of features, benefits, and 5-star amenities. Depending on card usage, you could rack up hundreds of dollars worth of VIP perks, credits, and discounts at select hotels, airlines, and other merchants. To see rates & fees for American Express Platinum Card®, please click here.
Our Take
The Good
The travel rewards on this card don’t expire and are good on any airline with no seat restrictions or blackout dates. The amenities for cardholders are extensive and top-notch.
The Not So Good
The annual fee is an eye-popping $895, but the perks are massive.
HIGHLIGHTS
- Click APPLY NOW to apply online.
- You may be eligible for as high as 175,000 Membership Rewards® points after you spend $12,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Get more for your travels with 5X Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
- With over 1,550 airport lounges - more than any other credit card company on the market* - enjoy the benefits of the Global Lounge Collection, over $850 of annual value, with access to Centurion Lounges, 10 Delta Sky Club visits (subject to visit limitations) when flying on an eligible Delta flight, Priority Pass™ membership (enrollment required), and other select partner lounges. *As of 01/2026
- $200 Uber Cash + $120 Uber One Credit: With the Platinum Card® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
- $300 Digital Entertainment Credit: Experience the latest shows, news and recipes. Get up to $25 in statement credits each month when you use your Platinum Card® for eligible purchases on Disney+, a Disney+ bundle, ESPN streaming services, Hulu, The New York Times, Paramount+, Peacock, The Wall Street Journal, YouTube Premium, and YouTube TV when you purchase directly from one or more of the providers. Enrollment required.
- $600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection* bookings through American Express Travel® using the Platinum Card®. *The Hotel Collection requires a minimum two-night stay.
- $400 Resy Credit + Platinum Nights™ by Resy: Get up to $100 in statement credits each quarter when you use the Platinum Card® to pay for eligible purchases with Resy, including dining purchases at over 10,000 qualifying U.S. Resy restaurants. Enrollment required. As a Platinum Card® Member you have special access to reservations on select nights at participating sought after Resy restaurants in select cities through Platinum Nights™ by Resy. Simply add your Platinum Card® to your Resy profile to book your reservation.
- $219 CLEAR+ Credit: CLEAR+ helps get you to your gate faster by using your face to verify you are you at 55+ airports nationwide. You can cover the cost of a CLEAR+ Membership* with up to $219 in statement credits per calendar year after you pay for CLEAR+ with your Platinum Card®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card® Account. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
- Start your vacation sooner and keep it going longer. When you book Fine Hotels + Resorts® through American Express Travel®, enjoy noon check-in, when available, and guaranteed 4PM late check-out.
- $300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required.
- $155 Walmart+ Credit: Get up to a $12.95* statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Platinum Card®. *Up to $12.95 plus applicable taxes on one membership fee.
- Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
- $895 annual fee.
- Terms Apply.
- Rates & Fees
See Additional Details for American Express Platinum Card®
Our pick for best welcome offer
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Annual Fee$0
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Welcome OfferUnlimited mile-for-mile match
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Rewards Rate1.5X Miles
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Credit Needed
Bottom Line
The Discover it® Miles credit card gives its cardholders more in terms of travel benefits that are coupled with an attractive introductory purchase APR and no annual fee. For those who are shopping for a good miles rewards program, then this card is worth looking into.
Our Take
The Good
There is no annual fee, a nice intro purchase APR, and cardholders will earn unlimited miles on all purchases.
The Not So Good
This card was created with the frequent traveler in mind so if you aren’t trying to earn miles on your purchases, this isn’t the right card for you. This card also requires good credit to qualify.
HIGHLIGHTS
- Click APPLY NOW to apply online.
- UNLIMITED BONUS: Unlimited mile-for-mile match for all new cardmembers. Discover gives you an unlimited match of all the miles you’ve earned at the end of your first year. There’s no signing up, no minimum spending or maximum rewards. Just a mile-for-mile match. You could turn 35,000 miles into 70,000 miles.
- Automatically earn unlimited 1.5x miles on every dollar of every purchase
- No annual fee.
- Turn miles into cash. Or redeem as a statement credit for your travel purchases like airfare, hotels, rideshares, gas stations, restaurants, and more. Redemption rates for these options may vary and are subject to change.
- 0% intro APR on purchases and balance transfers for 15 months; 17.49% - 26.49% variable APR after that; balance transfer fee applies.
- Terms and conditions apply.
- Rates & Fees
See Additional Details for Discover it® Miles
Our pick for most well-rounded travel card
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Annual Fee$95
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Welcome Offer$1,000
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Rewards Rate2X - 5X Miles
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Credit Needed
Bottom Line
The Capital One Venture Rewards Credit Card is a really good travel rewards card for the frequent traveler. You can earn tons of miles and use them in many different ways with no expiration dates or hidden fees.
Our Take
The Good
There's no cap on how many miles you can earn, and you can redeem them for all sorts of travel products and services such as flights, hotels, and car rentals.
The Not So Good
Your credit has to be excellent-good and there is an annual fee of $95.
HIGHLIGHTS
- Click APPLY NOW to apply online.
- LIMITED-TIME OFFER: Enjoy $300 to use on hotel and vacation rental bookings through Capital One Travel in your first cardholder year, plus earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening – that’s more than $1,000 in travel value
- Earn unlimited 2X miles on every purchase, every day
- Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Receive up to a $120 credit for Global Entry or TSA PreCheck®
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
- Transfer your miles to your choice of 15+ travel loyalty programs
- Top rated mobile app
- For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
- Rates & Fees
See Additional Details for Capital One Venture Rewards Credit Card
Methodology
Our editors take a comprehensive, data-driven approach to identify the best credit cards in various categories. We use an objective rating and ranking system that evaluates over 100 credit cards from more than 50 issuers. While this site receives compensation from companies listed here, this does not influence our ratings or reviews. Learn more here.
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion.
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