Mastercard Gold Card

Earning Rates

Key Benefits

• $300 airline credit
• $200 dining credit
• $120 Global Entry credit
• 2cpp cash back or airfare

All Benefits

• Welcome offer: No public welcome offer (the Luxury Card Mastercard Gold Card product page at luxurycard.com/goldcard does not advertise a sign-up bonus of any kind; Luxury Card has consistently positioned the Gold Card as a no-bonus / lifestyle-perks product and does not match Chase Sapphire Reserve, Amex Platinum, or Capital One Venture X welcome bonuses — One Mile at a Time and The Points Guy reviews of the Gold Card both confirm the absence of a public welcome offer and identify it as one of the main weaknesses of the card relative to peer ultra-premium products)
• $1,199 annual fee on the primary Mastercard Gold Card account, billed annually, per the issuer Luxury Card Gold Card product page (pdpHeadline disclosure at luxurycard.com/goldcard); the annual fee is non-refundable and is charged on the first statement after account opening and on each anniversary thereafter (One Mile at a Time review confirms the $1,199 annual fee structure)
• $349 annual fee for each Authorized User (additional cardmember) added to the account, per the issuer Luxury Card Gold Card product page Pre-Qualify Now annual fee disclosure ('$1,199 Annual Fee ($349 for each Authorized User)'); note that this $349 figure is the current live fee on luxurycard.com as of fetch, which is higher than the historical $295 Authorized User fee that older reviews referenced — prospective applicants adding multiple Authorized Users should budget the current $349 fee per user
• Card construction: solid metal Mastercard Gold Card 'made with 24K Gold' and weighing 22 grams, per the issuer Luxury Card Gold Card product page card-construction disclosure; the card is a heavyweight metal product with brushed-stainless backing and 24-karat gold front plating, making it one of the heaviest credit cards on the U.S. market (peer reference: Chase Sapphire Reserve ~13g, Amex Platinum ~18g) and a distinctive design statement
• Earn rate: 2X points per $1 spent on airfare and hotel purchases booked through LuxuryCardTravel.com (the dedicated Luxury Card Travel booking platform), per the issuer Luxury Card Gold Card product page rewards-grid disclosure; note that 2X earning is restricted to bookings through Luxury Card's own travel portal — airfare and hotel purchases made directly with airlines or hotels do not earn the bonus 2X rate and instead earn 1X
• Earn rate: 1 point per $1 spent on all other eligible purchases (every category outside of LuxuryCardTravel.com airfare and hotel bookings), with no point caps, no blackout dates on earning, and no point expirations as long as the account remains open and in good standing, per the issuer Luxury Card Gold Card product page rewards-grid and 'no limits, no blackout dates and no point expirations' disclosure
• Redemption value: 2% value for airfare redemptions through Luxury Card Travel (50,000 points = $1,000 in airfare booked via LuxuryCardTravel.com), per the issuer Luxury Card Gold Card product page redemption-bar-chart disclosure; this equates to 2.0 cents per point when redeeming for airfare via the Luxury Card Travel portal (any airline, any class, no blackout dates), making the Gold Card's airfare redemption rate substantially better than the 1.0-1.5 cents per point typical of premium card portals (Chase Sapphire Reserve 1.5cpp, Capital One Venture X 1.0cpp via Capital One Travel)
• Redemption value: 2% value for cash back redemptions (50,000 points = $1,000 in cash back as a statement credit or direct deposit), per the issuer Luxury Card Gold Card product page redemption-bar-chart disclosure; the Gold Card's 2.0 cents per point cash-back rate is the highest among major U.S. premium cards (peer cash-back floors are typically 1.0cpp on Chase UR / Amex MR / Citi TY) and is a defining structural feature of the product
• $300 annual airline credit: statement credits up to $300 per cardmember year toward flight-related purchases including airline tickets, baggage fees, seat upgrades, and other airline charges, with no enrollment required and no airline designation required (the credit auto-applies to qualifying airline merchant charges across all airlines), per the issuer Luxury Card Gold Card product page benefits-accordion disclosure; this contrasts favorably with the Amex Platinum airline credit ($200, requires airline selection and incidental fee restrictions) and is closer in flexibility to the Chase Sapphire Reserve $300 travel credit
• $200 annual dining credit: statement credits up to $200 per cardmember year when using the Luxury Card at qualified restaurants worldwide, with no enrollment required and no third-party app activation required (the credit auto-applies to qualifying restaurant merchant-category-code purchases), per the issuer Luxury Card Gold Card product page benefits-accordion disclosure
• $200 annual Ship and Play credit: statement credits up to $200 per cardmember year toward Ship and Play, a luggage-shipping service that allows cardmembers to send belongings (luggage, golf clubs, ski equipment, etc.) ahead of time to a travel destination, per the issuer Luxury Card Gold Card product page benefits-accordion disclosure (this is a Luxury-Card-exclusive perk and is rare among premium cards in the U.S. market)
• $120 Global Entry or TSA PreCheck application fee credit: statement credit of up to $120 as reimbursement for a Global Entry or TSA PreCheck application fee paid with the card, per the issuer Luxury Card Gold Card product page benefits-accordion disclosure (the product page marketing-references a 'Up to $240' value over the 4-year renewable cycle, calculated as $120 per credit window times two windows over a typical 4-year Global Entry membership; the actual statement credit per application is up to $120). Global Entry membership includes TSA PreCheck at no additional fee for U.S. citizens
• Priority Pass Select: complimentary enrollment in Priority Pass Select with access to over 1,800 airport lounges across 600+ cities and 140+ countries, including participating airport restaurants, mini-suites, and Priority Pass Sleeping Rooms, with unlimited visits for the primary cardmember and unlimited guest visits at no additional cost, per the issuer Luxury Card Gold Card product page benefits-accordion disclosure (the product page markets the lounge benefit at a $469 stated value); this is a more generous guest policy than the Chase Sapphire Reserve Priority Pass (which removed unlimited free guests in 2024) and is comparable to the Amex Platinum Priority Pass guest policy
• Luxury Card Concierge: 24/7 personal concierge service available via call, email, text, or chat for personalized travel planning, dining reservations, gift and flower delivery, sourcing high-demand products, booking tee times, accessing concert and event tickets, arranging sightseeing and hiking trips, and recommending spa services, per the issuer Luxury Card Gold Card product page concierge-section disclosure (the product page markets concierge at a $250 stated value); the concierge is staffed by Luxury Card directly (not white-labeled to a third-party Mastercard concierge), and One Mile at a Time has historically rated Luxury Card Concierge among the highest-quality concierge services in the U.S. premium-card market
• Luxury Card Travel hotel benefits: complimentary perks averaging $750 per stay at more than 3,000 luxury properties worldwide when booked through LuxuryCardTravel.com, per the issuer Luxury Card Gold Card product page Luxury Card Travel section disclosure; included on-property perks vary by property but typically feature daily breakfast for two, room upgrade at check-in subject to availability, early check-in and late check-out, and a property-specific resort credit (the product page enumerates these four standard perks). This program is broadly comparable to Amex Fine Hotels and Resorts and Chase Luxury Hotel Collection
• Trip Cancellation / Trip Interruption insurance (secondary): reimbursement of the cost of non-refundable, roundtrip travel expenses up to $5,000 per insured person if certain accidental covered events cause the cardmember to cancel or interrupt the trip for a covered reason, per the issuer Luxury Card Gold Card product page Travel with Peace of Mind benefits-accordion disclosure; coverage is secondary (pays after any other applicable insurance) and triggers when the entire roundtrip cost is charged to the eligible card
• MasterRental Coverage (secondary auto rental collision damage waiver): secondary coverage for covered damages to an eligible rental vehicle when the cardmember pays for the entire rental transaction with the Luxury Card and declines the coverage offered by the rental agency, per the issuer Luxury Card Gold Card product page Travel with Peace of Mind benefits-accordion disclosure; this is explicitly secondary CDW coverage (not primary as on Chase Sapphire Reserve or Capital One Venture X), meaning the cardmember's personal auto insurance pays first and the card's coverage fills gaps and deductibles
• Travel Accident Insurance: up to $250,000 of coverage for eligible common-carrier accidental death and dismemberment, at no additional cost, when the entire travel fare is charged to the eligible card for a covered trip, per the issuer Luxury Card Gold Card product page Travel with Peace of Mind benefits-accordion disclosure
• Baggage Delay Insurance: reimbursement of covered items (toiletries, change of clothing, etc.) up to $100 per day for a maximum of 3 qualifying days, for qualifying baggage delays of more than 4 hours from the time the cardmember arrives at the travel destination (arrival at the cardmember's primary residence is explicitly excluded), per the issuer Luxury Card Gold Card product page Travel with Peace of Mind benefits-accordion disclosure
• Travel Assistance: 24-hour-a-day, 365-day-a-year Master Trip Travel Assistance, Master Medical Assistance, and Master Legal Referral Service, available to the cardmember and traveling companions when traveling 50 miles or more from home, per the issuer Luxury Card Gold Card product page Travel with Peace of Mind benefits-accordion disclosure (referral services only; cardmember responsible for the cost of any third-party services arranged)
• Cellular Phone Protection: coverage for eligible damage or theft claims on the cardmember's mobile phone when the monthly mobile phone bill is paid with the Luxury Card, with reimbursement of the actual cost to repair or replace the phone if damaged or stolen (subject to per-claim and annual maximums in the benefit terms), per the issuer Luxury Card Gold Card product page Mastercard Benefits special-offers disclosure
• No foreign transaction fees on international purchases (0% foreign purchase transaction fee), per the issuer Luxury Card Gold Card product page Travel with Peace of Mind benefits-accordion disclosure; the Mastercard network exchange rate (Mastercard interbank rate) is used for non-USD purchases with no card-issuer markup
• Card network: World Elite Mastercard issued by Barclays Bank Delaware under the Luxury Card brand (Luxury Card is a credit-card brand operated by Black Card LLC and issued by Barclays); cardmembers receive World Elite Mastercard network benefits including the Mastercard travel and lifestyle benefit suite (Priceless Golf access to 1,000+ private country clubs, Lyft $5 monthly credit after 3 rides, Peacock Premium $3 monthly discount, Boxed savings, ShopRunner free 2-day shipping, etc.) layered on top of the Luxury Card proprietary benefits, per the issuer Luxury Card Gold Card product page Mastercard Special Offers section
• Mastercard ID Theft Protection: complimentary identity theft monitoring at no additional cost, including monitoring of personal information (name, address, email, Social Security Number, date of birth, debit and credit card numbers) with alert notifications when questionable activity is detected, credit-file monitoring for new credit inquiries or new accounts opened in the cardmember's name, ID theft resolution specialist support, and Mastercard Zero Liability Protection for unauthorized purchases, per the issuer Luxury Card Gold Card product page Mastercard Benefits section (activate at mastercardus.idprotection.com)
• Issuer-marketed total annual value: 'Up to $2,500 in Annual Value' per the issuer Luxury Card Gold Card product page headline disclosure; the $2,500 figure is calculated by Luxury Card by stacking the $300 airline credit + $200 dining credit + $200 Ship and Play credit + $120 Global Entry credit (amortized) + $469 stated value of Priority Pass + $750 average per-stay Luxury Card Travel hotel benefits + $250 stated concierge value, and assumes the cardmember fully utilizes every credit and books at least one Luxury Card Travel hotel stay per cardmember year (single-stay assumption; multi-stay utilization can push real-world value higher)
• Welcome offer: Not Offered (the Luxury Card Mastercard Gold Card product page does not advertise any sign-up bonus, points-after-spend offer, or statement-credit incentive for new cardmembers; this is a structural feature of the product, not a temporary lapse, and has been the case since the card was launched in 2014 — One Mile at a Time and The Points Guy both call this out as the card's biggest weakness vs. Chase Sapphire Reserve / Amex Platinum / Capital One Venture X which all offer 60K-150K-point welcome bonuses worth $900-$3,000)
• Transferable-currency transfer partners (airline and hotel loyalty program transfers à la Chase Ultimate Rewards, Amex Membership Rewards, Citi ThankYou, or Capital One Miles): Not Offered (Luxury Rewards points earned on the Mastercard Gold Card are not transferable to any external airline or hotel loyalty program; the only redemption options are airfare via LuxuryCardTravel.com at 2cpp, cash back at 2cpp, gift cards typically at 1cpp, and merchandise typically at 1cpp or less, per the issuer Luxury Rewards redemption page and One Mile at a Time / The Points Guy reviews — this fundamentally caps the maximum achievable value per point at 2.0 cents and excludes the Gold Card from the 'maximum-value transfer-partner sweet spot' redemption strategies (e.g., 1.65cpp+ on AAdvantage business class, 2.0cpp+ on Hyatt, 4cpp+ on Aeroplan partner premium cabin) that drive value on the Chase, Amex, Citi, and Capital One transferable currencies)
• Lounge access beyond Priority Pass Select: Not Offered (the Luxury Card Gold Card does not include access to Mastercard Travel Pass by DragonPass, American Airlines Admirals Club, Delta Sky Club, United Club, Capital One Lounges, Chase Sapphire Lounges by The Club, Amex Centurion Lounges, or any airline-branded lounge network; lounge access is limited entirely to the Priority Pass Select network of approximately 1,800 lounges — One Mile at a Time review of the Gold Card identifies this as a meaningful gap vs. Amex Platinum which adds Centurion + Delta Sky Club Partner + Priority Pass, Chase Sapphire Reserve which adds Sapphire Lounges + Priority Pass, and Capital One Venture X which adds Capital One Lounges + Plaza Premium + Priority Pass)
• Airline elite status (Air France/KLM Flying Blue, American Airlines AAdvantage, Delta SkyMiles, or United MileagePlus): Not Offered as a current benefit on the Mastercard Gold Card (older Luxury Card marketing historically referenced Air France/KLM Flying Blue Silver status as a benefit on the Luxury Card portfolio, but this benefit is no longer enumerated on the current luxurycard.com/goldcard product page and should not be assumed to apply — cardmembers seeking complimentary airline elite status should verify directly with Luxury Card customer service before applying; peer cards offering complimentary elite status currently include Amex Delta Reserve [Delta Silver / Gold via spend] and Marriott Bonvoy Brilliant [Marriott Platinum])
• Rental car elite status (Avis President's Club, Hertz Five Star, National Executive Elite, or Sixt Platinum): Not Offered as a current benefit on the Mastercard Gold Card (the current luxurycard.com/goldcard product page does not enumerate complimentary rental-car elite status with any provider; cardmembers historically associated Luxury Card with Avis President's Club and Hertz Five Star benefits via prior marketing, but neither benefit is currently advertised by the issuer and prospective cardmembers should not assume rental-car elite status is included — peer cards offering complimentary rental status currently include Amex Platinum [Hertz Gold Plus Rewards Five Star, Avis Preferred Plus, National Executive] and Capital One Venture X [Hertz Five Star])
• Exclusive event invitations (Luxury Card Inner Circle invitation-only experiences such as Met Opera, fashion week, F1, Wimbledon, Masters Tournament, etc.): the Luxury Card Gold Card historically marketed access to invitation-only luxury events and Inner Circle experiences, but the current luxurycard.com/goldcard product page does not enumerate a structured Inner Circle event program among the card's benefits (event access has been replaced or absorbed into the Luxury Card Concierge service, which can source tickets and arrange access on request rather than as a guaranteed perk); cardmembers seeking a specific event-access guarantee should verify availability with Luxury Card Concierge before applying
• Purchase protection or extended warranty: Not Offered as called out by the issuer (the Luxury Card Gold Card product page does not list purchase protection or extended warranty among the card's benefits; while World Elite Mastercard network historically included optional purchase-protection and extended-warranty benefits, Mastercard discontinued these as automatic network benefits for U.S. consumer cards in 2024 and Luxury Card has not elected to add proprietary purchase protection or extended warranty to the Gold Card product)
• Primary auto rental collision damage waiver: Not Offered (MasterRental Coverage on the Mastercard Gold Card is explicitly secondary, not primary — this means the cardmember's personal auto insurance pays first on a rental-car damage claim, and the card's coverage only fills gaps; peer ultra-premium cards offering primary CDW include Chase Sapphire Reserve, Chase Sapphire Preferred, Ink Business Preferred, Capital One Venture X, and United Club Infinite Card)
• 0% Introductory APR: 0% introductory APR for 15 months on balance transfers made within 45 days of account opening, then a variable APR of 19.49% to 27.49% based on creditworthiness and other factors, with a balance-transfer fee, per the issuer Luxury Card Gold Card product page Pricing Details disclosure (note that the 0% intro APR is for balance transfers only, not for new purchases — there is no purchase 0% intro APR offer on the Gold Card)