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The Luxury Card™ Mastercard® Gold Card™ currently has an Informr score of 6.5 out of 10.
This score is based on our evaluation of 13
sources including reviews from users and the web's most trusted critics.
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.
24/7 Luxury Card Concierge®—available by phone, email and live mobile chat. Reach out to manage tasks big and small.
Exclusive Luxury Card Travel® benefits—average value of $500 per stay (e.g., amenities, room upgrades and complimentary food and beverages) at over 3,000 properties.
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.
Cell phone protection for eligible claims of up to $1,000 each year. Plus Lyft credits, ShopRunner membership, Fandango perks and more.
Annual Fee: $995 ($295 for each Authorized User). Terms and conditions apply.
High Annual Fee
No signup bonus
Low rewards rate
High fee for each authorized user
Am I eligible?
Luxury Card™ Mastercard® Gold Card™ is typically available to those with
credit scores (650 or greater).
To get this card, you must also:
Be a permanent or temporary resident of USA
Note: This information is only intended as a guide. The final decision is up to the bank and your
application could still be rejected even if you can answer 'Yes' to all the minimum criteria above.
Always consider your options and your financial situation before you apply for a credit card.
What the Critics Are Saying...
The Mastercard Gold Card is worth considering for its high 2% redemption rate, which puts it a cut above competitor cards. While the rewards rate you earn with the card isn't exactly stunning, those points can go farther when you redeem them for airfare or cash back.
- Rebecca Lake, MyBankTracker
Constructed of 24K-gold-plated stainless steel and carbon, the Mastercard Gold Card is heavy both physically and financially, with a jaw-dropping $995 annual fee. While it provides some premium benefits and credits and has a 0% APR offer, its rewards aren’t commensurate with its lofty annual fee and...
- Lance Cothern, Investopedia
The Mastercard Gold Card is a pricy premium credit card with solid travel benefits and an underwhelming rewards program. The card doesn’t quite measure up to some of its less-expensive competitors, but if you love to travel and desperately want a gold-plated credit card, this is an option.
- Brendan Harkness, Credit Card Insider
This is an excellent card for very frequent travelers with ample budgets, a penchant for high-touch service and convenience, and a desire to earn rewards on all eligible purchases, every day.
- Brian Martucci, Money Crashers
The Mastercard® Gold Card™ has a lot of valuable perks, but they’re simply not enough to justify the card’s $995 annual fee. Other travel rewards credit cards charge $500 or less per year and offer many of the same benefits. If you only travel once or twice per year, go with a travel rewards card wi...
$295 for each Authorized User added to the account
Travel Accident Insurance
Car Rental Insurance
Car Rental Discount
No Foreign Transaction Fees
Free Credit Scores
Apple Pay, Google Pay
Up to $200 Annual Airline Credit
$100 Global Entry & TSA Pre✓® Application Credit
Exclusive Luxury Card Travel® benefits (e.g., amenities, room upgrades and complimentary food and beverages).
Complimentary Priority Pass Select
Luxury Gift Program
Members-Only Luxury Magazine
Luxury Card Experiences®
Luxury Card App
Create a Boxed account and use your Luxury Card World Elite Mastercard to earn 5% cash rewards on eligible Boxed orders for use on future purchases.
Get $10 Lyft credit when you enroll and take 5 eligible rides in a month.
Receive free 2-day shipping and free return shipping on eligible purchases when you sign up for a complimentary ShopRunner membership
Get rewarded even faster on eligible purchases when you join Fandango VIP. Earn double the points for the tickets you buy with your Luxury Card World Elite Mastercard, 250 points per ticket. Rack up 500 points and earn a $5 VIP + reward.
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