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Mastercard® Gold Card™

Mastercard® Gold Card™


Rated 4/5 stars by our editorial team

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Your Rating:

4.0/5.0 from 3 Offer Ratings
Over the Past 60 Days!

(3) Over the Past 60 Days!

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  • Regular Purchase APR 14.99%
  • Intro Purchase APR 14.99%
  • 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/Very Good

  • Card Brand Mastercard®

Card Details


  • Click "APPLY NOW" to apply online
  • 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.
  • 24/7 Luxury Card Concierge®-available by phone, email, and live mobile chat.
  • Exclusive Luxury Card Travel® benefits (e.g., amenities, room upgrades and complimentary food and beverages).
  • Up to $200 annual airline credit and $100 Global Entry application fee credit.
  • Cell Phone Protection, Lyft credits, Postmates discounts, Fandango perks and more.
  • Annual fee: $995 ($295 for each Authorized User).
  • Terms & Conditions Apply.

Card Fees

Foreign Transaction Fee 0% of each transaction in U.S. dollars.

Balance Transfer Fee Either $5 or 3% of the amount of each transfer, whichever is greater.

Cash Advance Fee Either $10 or 5% of the amount of each cash advance, whichever is greater.

Ongoing Information

Rewards Rate 2% value for cash back and airfare redemptions

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

Additional Card Details

$0 Fraud Liability No

Auto Rental Insurance Yes

Extended Warranty Program No

Roadside Assistance No

Purchase Protection No

Travel Assistance No

Flight Accident Insurance Yes

Lost Luggage Reimbursement Yes

Concierge Service Yes

Expert Reviews

From the Editorial Team

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 24-gold plated front and carbon back, 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, and exclusive travel benefits like 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 cash back and airfare redemptions. 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 will save you up to 3% when you travel abroad. Cardholders also get cell phone protection, Lyft credits, Postmates discounts and Fandango perks.

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) your APR will be 14.99%. This APR will vary with the market based on the Prime Rate.

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


Expert Reviews of the Mastercard® Gold Card™

  • 4.5

    Regular APR

  • 4.5

    Intro APR

  • 2.0


  • 4.5


  • star rating 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 Barclays. 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 Barclays.

Consumer Reviews

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