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Mastercard® Gold Card™

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This premium 24K-gold-plated credit card comes with Priority Pass Select airport lounge access for you and unlimited guests, a $200 annual travel credit, a credit for a Global Entry or TSA PreCheck application, thousands of dollars in potential hotel credits, and the equivalent of 2% cash back on all purchases. There’s a $995 annual fee, and it’s also one of the heaviest credit cards available.

Our rating
Min. credit level: Excellent
Annual Fee: $995
Regular APR: 14.99% Variable
Intro Balance Transfer APR: 0% for 15 billing cycles

Mastercard® Gold Card™

Our rating
Excellent Min. credit level
$995 Annual Fee
Apply Now Read Our Review

Highlights & Features


Spending Rewards
  • 1X point per dollar for all purchases
    • Cash back redemption value: 2% cash back
    • Airfare redemption value: 2% cash back

Balance Transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

Intro Balance Transfer APR 0% for 15 billing cycles
Regular Balance Transfer APR 14.99% Variable
Balance Transfer Fee 3% ($5 min)
How to Transfer a Balance on a Credit Card


Penalty APR N/A
Late Fee Up to $39
Returned Payment Fee Up to $39
Additional Cards Annual Fee $295
Foreign Transaction Fee 0%
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR 25.24% Variable
Cash Advance Fee 5% ($10 min)
How to Get a Cash Advance with a Credit Card
Mastercard® Gold Card™


  • 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.
  • 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. Includes credits at select airport restaurants for cardholder and one guest.
  • 24/7 Luxury Card Concierge®—available by phone, email and live mobile chat. Around-the-clock service to help you save time and manage tasks big and small.
  • 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.
  • Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard® benefits.
  • Annual Fee: $995 ($295 for each Authorized User). Terms and conditions apply.

Luxury Card

Luxury Card has several card types depending on your needs.

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-844-589-2773 or

Try a different phone number
See all Issuer Cards

The Mastercard Gold Card is a premium credit card designed for the most affluent. If you can afford the $995 annual fee, you’ll earn the equivalent of 2% back on every purchase and you’ll get a number of VIP travel benefits. This card is 24K-gold-plated.

The information related to Mastercard® Gold Card™ has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

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