Mastercard® Gold Card™ | CompareCards.com

Mastercard® Gold Card™

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Mastercard® Gold Card™

 

Rated 4/5.0 stars by our editorial team

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  • Regular Purchase APR 21.24%, 25.43% or 28.24%
  • Intro Purchase APR N/A
  • Intro BT 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.
  • Annual Fee $995 ($295 for each Authorized User added to the account)
  • Credit Needed Excellent
  • Card Brand Mastercard®
  • Regular Purchase APR 21.24%, 25.43% or 28.24%
  • Intro Purchase APR N/A
  • Intro BT 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.
  • Annual Fee $995 ($295 for each Authorized User added to the account)
  • Credit Needed Excellent
  • Card Brand Mastercard®

Highlights

  • Ideal for those seeking a premium travel card that doubles as an everyday workhorse, paired with elevated service beyond the ordinary. Leave behind the hassle of juggling various cards and monthly statements, while finding peace of mind with protection benefits that exceeds standard credit cards.
  • 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. Earn one point for every dollar spent. Straightforward redemption without needing a high-maintenance reward strategy. No foreign transaction fees, no earning caps, no rotating categories, and no need to chase down transfer partners to escape very low point values.
  • Annual Airline Credit—up to $200 in statement credits toward flight-related purchases including airline tickets, baggage fees, upgrades and more. Just pay for airline purchases with your Mastercard Gold Card and we will automatically apply the credit to your account. That’s it. No need to activate or designate an airline. The credit amount is available in full at the start of the calendar year.
  • Up to a $100 application fee credit for the cost of TSA Pre✓® or Global Entry. Also, enjoy automatic enrollment in Priority Pass™ Select with access to 1,300+ 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, incure 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.
  • Made with 24K Gold: Weighing in at an industry-leading 22g. Designed for frequent shoppers, big ticket purchases and everything in between.
  • Annual Fee: $995 ($295 for each Authorized User). Terms and conditions apply.

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

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 Fee

$995 ($295 for each Authorized User added to the account)

Additional Card Details

$0 Fraud Liability

Yes

Auto Rental Insurance

Yes

Extended Warranty Program

No

Roadside Assistance

No

Purchase Protection

No

Travel Assistance

Yes

Flight Accident Insurance

No

Lost Luggage Reimbursement

No

Concierge Service

Yes

Expert Reviews

From the CompareCards.com Editorial Team, updated on Mar 27, 2024

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 with complimentary Priority Pass Select membership, and exclusive travel benefits that may include complimentary food and beverages, room upgrades, resort or spa credits and welcome amenities at properties in the Luxury Card Travel program.

Cardholders earn one 1 point for every one dollar spent. Redeem for a 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. This top-of-the-line card comes with a $200 annual airline credit and $100 Global Entry application fee credit. 

There are no foreign transaction fees, which can save you up to 3% when you travel abroad. Cardholders also get cell phone protection and Lyft credits. 

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 21.24%, 25.43% or 28.24%, based on your creditworthiness. There is a fee for balance transfers.

The annual fee is $995 ($295 for each Authorized User added to the account). Terms and conditions apply. 


 

Expert Reviews of the Mastercard® Gold Card™

  • 4.5

    Regular APR

  • 4.5

    Intro APR

  • 2.0

    Fees

  • 4.5

    Benefits

  • 4.0/5

    Overall Rating

The Bottom Line

The rewards rate at 2% 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.

The Good

Extensive array of luxury benefits.

The Not so Good

High annual fee. No sign-up bonus.

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.

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Rated 4/5.0 stars by our editorial team

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