Mastercard Gold Card
- Annual fee
- $1199
- Network
- mastercard
- Type
- personal
It earns 1 point per dollar spent, with points redeemable at enhanced value for airfare or cash back.
Heads up: Rates, fees, and welcome offers below are pulled directly from the issuer and refreshed continuously. Confirm final terms on the issuer site before applying.
Three ways to value this card. Only one of them is yours.
What the issuer advertises.
Pays out with no hoops.
$1,346 of the advertised value — 74% — comes with strings attached.
- $1,826 advertised across 8 benefits.
- $1,346 (74%) needs a booking, enrollment, or deadline.
- Biggest credit — Luxury Card Travel hotel benefits, $750 — comes with conditions.
- 24/7 Luxury Card Concierge ($250) posts automatically. No hoops.
- No-hoops value covers 40% of the annual fee.
- You'll actually use Luxury Card Travel hotel benefits.
- You'll actually use 24/7 Luxury Card Concierge.
- 2× on airfare matches your spend.
- You won't use Luxury Card Travel hotel benefits.
- You want the fee covered without chasing — $719 short.
- You'd forget monthly credits.
Earning rates
- All other purchases1×ptsLuxury Card Rewards
- Top earnAirfareBooked directly or through Luxury Card Travel2×ptsLuxury Card Rewards
- Top earnHotelsBooked directly or through Luxury Card Travel2×ptsLuxury Card Rewards
On-card benefits & credits
- Luxury Card Travel hotel benefits$750/Annual
Bookings through LuxuryCardTravel.com can receive complimentary benefits averaging $750 per stay at more than 3,000 luxury properties. Benefits may include breakfast for two, upgrades, amenities, resort and dining credits, flexible check-in/out and Wi-Fi.
- $300 annual airline credit$300/Annual
Receive up to $300 in annual statement credits for flight-related purchases, including airline tickets, baggage fees and upgrades. No enrollment or airline designation is required.
- 24/7 Luxury Card Concierge$250/Annual
Luxury Card Concierge agents are available around the clock for personalized travel planning, tickets, gifting, dining reservations and VIP experiences.
- $200 Ship&Play credit$200/Annual
Receive up to $200 in annual credits for using Ship&Play to send belongings ahead of a trip.
- $200 annual dining credit$200/Annual
Receive up to $200 in annual statement credits at qualified restaurants worldwide. No enrollment or third-party app is required.
- Global Entry or TSA PreCheck application credit$120/One-time
Receive up to $120 as reimbursement for a Global Entry or TSA PreCheck application fee. The product page labels this as a $240 benefit but states each reimbursement is up to $120.
- Monthly Lyft credit$5/Monthly
After enrollment, receive one $5 Lyft credit after taking three rides in a calendar month and paying with the Luxury Card. The offer is stated as valid through January 31, 2027.
- Monthly Peacock discount$3/Monthly
Receive $3 off Peacock Premium or Peacock Premium Plus each month when paying with an eligible Luxury Card. The offer is stated as valid through December 31, 2027.
- Cellular phone protection$0/Annual
Pay the monthly mobile phone bill with the Luxury Card to activate reimbursement coverage for eligible theft or damage claims. No maximum reimbursement ceiling is stated in the sources.
- Mastercard ID Theft Protection$0/Annual
Identity-theft protection includes suspicious-activity alerts, credit-file monitoring, resolution assistance and Mastercard Zero Liability Protection. Registration is required.
- Airport Meet & Assist$0/Annual
Meet & Assist offers expedited security screening, terminal-to-aircraft escorts, arrival welcomes and transfer assistance at more than 500 airports worldwide.
- Baggage delay insurance$0/Annual
Eligible covered items may be reimbursed at up to $100 per day for a maximum of three qualifying days when baggage is delayed more than four hours; arrival at a primary residence is excluded.
- MasterRental coverage$0/Annual
Secondary coverage applies to covered damage to an eligible rental vehicle when the entire rental is paid with the card and the rental agency's coverage is declined.
- Priority Pass Select lounge access$0/Annual
Automatic complimentary Priority Pass Select access covers more than 1,800 airport lounges and includes unlimited visits for the cardmember and guests.
- No foreign transaction fees$0/Annual
Cardmembers receive no foreign transaction fees on international purchases.
- Priceless Golf access$0/Annual
Priceless Golf provides access to more than 1,000 private country clubs across North America, including TPC courses and scheduling opportunities at Pebble Beach Resort.
- Luxury Card Experiences access$0/Annual
Cardmembers receive access to curated trips and experiences through the Luxury Card App.
- Trip cancellation and interruption insurance$0/Annual
Secondary trip cancellation and interruption coverage applies to a covered roundtrip purchase made with the eligible card, subject to covered events and reasons.
- Travel accident insurance$0/Annual
Provides eligible common-carrier accidental death and dismemberment coverage when the entire travel fare for a covered trip is charged to the card.
- Travel assistance services$0/Annual
Travel assistance is available 24/7 when the cardholder or travel companions are 50 miles or more from home, including trip, medical and legal-referral assistance.
Other Luxury Card cards
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