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Review

Mastercard® Gold Card™ Review: Is it worth a $995 annual fee?

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Brendan Harkness By Brendan Harkness Mar 16, 2020 | Updated May 11, 2020
Our rating
Min. credit level: Excellent
Annual Fee: $995
Regular APR: 14.99% Variable

Mastercard® Gold Card™

Our rating
Excellent Min. credit level
Apply Now Jump to Alternatives

The Mastercard® Gold Card™ is a 24k-gold-plated metal rewards credit card for people with excellent credit who travel frequently. It comes with high-end benefits and a hefty annual fee.

If you want a heavy, metal credit card plated in actual gold, then this may be the card for you. It’s one of the heaviest metal credit cards out there.

This card is on the highest end of the Luxury Card line of rewards cards, which includes:

Keep reading to learn all about this card, or compare it to alternatives.

Mastercard® Gold Card™

Our rating
Min. credit levelExcellent
Details
Annual Fee$995
Regular APR14.99% Variable
Apply Now

securely on the issuer's website

  • 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 and conditions apply.

Our Rating: 3 Out of 5 Stars

The Gold offers some great benefits, like airport lounge access, a $200 airline credit, a 24/7 concierge available via live chat, and thousands of dollars in potential hotel credits. You may very well be able to get more than enough value from this card to offset the annual fee from the benefits.

However, it only earns the equivalent of 2% cash back on all purchases, which you can get on cards with no annual fee. There’s no introductory bonus, unlike many cards with and without annual fees.

Insider tip

While it has its perks, and it’s not an overtly terrible card if you’re a huge spender, the Gold Card actually earned a spot on our list of the worst credit cards thanks to its massive annual fee and benefits that are matched or exceeded by cards with lower annual fees.

Why We Like It

  • Strong travel benefits
  • Unique design, plated with 24k gold

Why It Could Be Better

  • Low rewards
  • No introductory bonus
  • Very high annual fee
  • Does not hold up well to the competition

Insider Advice: Getting the Most Out of Your Card

  • Take advantage of the airfare credit: Use the full $200 airline fee credit every year to offset part of the annual fee (you can do this by purchasing at least $200 in airfare on the card).
  • Check out the airport lounges: Use this card for Priority Pass airport lounge access for you and unlimited guests. Enrollment is automatic after being approved.
  • Utilize the travel benefits: Make the most of the VIP Hotel & Travel Benefits while staying with any participating hotels to help offset the annual fee by getting hundreds or thousands of dollars in credits and discounts.
  • Get through security lines faster: If you don’t already have Global Entry and plan to apply, pay the application fee with this card to help offset the annual fee. Global Entry can include TSA PreCheck, too, if you choose to sign up.
  • Pay with the card that offers the best rewards: For purchases, only use this card when you won’t earn 2% cash back value or more with another card (unless you’re aiming to use one of this card’s benefits, like trip cancellation insurance — in that case you’ll need to pay with the card to get the benefit).
  • Limit your high annual fee cards: You probably don’t need more than one high annual fee travel card in your wallet, whether it’s this card or one of its top competitors, because they have similar benefits.

The Rewards

This card earns the equivalent of 2% cash back on all purchases when you redeem for a statement credit, to a bank account, or for airfare booked through Luxury Card. There are also a few ways to redeem for less value.

Most travel-focused cards earn a sign up bonus for spending a certain amount within the first few months of account opening, but this card doesn’t.

Earning

Spending Rewards
  • 1X point per dollar on every purchase

Redeeming

There are two possible values you’ll get when you redeem points:

  • 2 cents per point when you redeem as a statement credit, direct deposit to a bank account, or for airfare booked through myluxurycard.com
  • 1 cent per point when you redeem for hotels, car rentals, gift cards, or merchandise

As long as the account is open and good standing, points don’t expire. Unlike Amex Membership Rewards points or Chase Ultimate Rewards points, these points can’t be transferred to airline or hotel loyalty programs. You can often get more rewards value when you transfer points to travel partners, so it’s unfortunate that the Gold card has no transfer partners.

As far as rewards potential goes, a maximum of 2% cash back equivalent is low, especially for a card with such a high annual fee. For example, the Citi® Double Cash Card – 18 month BT offer (Review), which has no annual fee, earns 2% cash back on all purchases (1% on purchases, and 1% on payments).

Reward redemptions start at $1 of redemption value, so you could cash in as few as 50 points at a time for $1 in airfare, a statement credit, or a direct deposit. Or, as few as 100 points for gift cards, merchandise, hotels, and car rentals.

How to Offset the Annual Fee

If you ignore the value of the additional benefits of this card, you’d need to spend at least $49,750 per year on this card to earn enough rewards to offset the $995 annual fee.

If you were to use the full $200 travel credit, there’s only $795 of the annual fee left to offset. Let’s say you use airport lounges a lot, and value that at $100, which leaves $695. Now, consider the $100 credit for Global Entry. Since that’s available every five years, it averages out to $20 per year in value, leaving $675 to make up for in rewards. You’d still need to spend $33,750 in a year on this card just to make up for the remaining cost of the annual fee.

Keep in mind the VIP Hotel & Travel Benefits could help you get more value from the card and help offset that remaining $675 faster, since you could stay at seven different hotels and get $100 in credits each time.

The Benefits

Sitting at the high end of the credit card spectrum when it comes to fees, the Gold card comes with what might seem like a disappointing set of benefits. These include a handful of useful credits and access to a number of luxury programs.

  • $200 annual airline credit: The Gold Card includes a $200 annual airline travel credit. This means you can charge up to $200 of airfare, baggage fees, or in-flight purchases and they’ll get credited back to your account — you won’t ever have to pay for those purchases.
  • Global Entry credit: U.S. Customs and Border Protection offers Global Entry, which is a program that provides expedited entry to the United States. There’s a $100 application fee to apply for Global Entry, and if you charge that fee to the Gold Card it will be reimbursed automatically. Global Entry can include TSA PreCheck, if you sign up for it.
  • Priority Pass Select membership: Most high-end travel cards with an annual fee above $300 come with some kind of airport lounge access. These airport lounge benefits often include Priority Pass Select, which is the program you get access to with the Gold Card. Unlike most other cards, the Gold Card lets you bring in unlimited guests for free.
  • Luxury Card Concierge: The Gold Card includes a personal 24/7 concierge service. Most credit cards with a concierge require you to call a phone number to contact the concierge, which you can do with this card, but the Luxury Card app also lets you chat with a concierge any time through a messaging interface.
  • VIP Hotel & Travel Benefits: Every year, Luxury Card sends a physical book to cardholders that covers a wide variety of specific benefits at hotels. You can find a link to a digital version here. This benefit is potentially one of the most valuable aspects of this card, since it provides some large credits (over $100 in some cases) and significant discounts at luxury hotels.

Luxury Benefits

The Gold Card has some other benefits that are a bit ambiguous and hard to value, so they’re all lumped together here.

  • Mastercard Priceless Program: According to the Luxury Card website, “members enjoy curated, invitation-only, once-in-a-lifetime experiences. Enjoy a look behind the scenes, sit courtside, see the dress rehearsal before opening night or learn skills from top experts in their trade. Priceless delivers exclusive opportunities to go beyond the ordinary.”
  • Luxury Gifts: As far as we can tell, this means they’ll randomly send you gifts in the mail. The official card website says the gift program “has no predetermined schedule or frequency.” So, if you get this card you might occasionally get some surprise packages.
  • Luxury Magazine: The Luxury Card website says this magazine is “exclusive to Luxury Card members,” yet they link to luxurymagazine.com, which appears to be accessible to anyone. They probably mean the print edition is only available to cardholders, but either way this seems like a weak benefit.

Other Benefits

Besides the high-end perks above, the Luxury cards also come with some World Elite Mastercard benefits:

  • Lyft credits: Get $10 in Lyft credits per month when you take five rides and pay with your card.
  • Postmates discount: Get a $5 discount on all orders over $25.
  • Boxed discount: Get 5% cash rewards on eligible Boxed.com purchases.
  • Fandango discount: Enroll in Fandango VIP for free to earn 250 Fandango VIP+ points per ticket, enough for a $5 reward.
  • ShopRunner: Enroll in ShopRunner to get free two-day shipping and returns at participating online retailers.
  • onefinestay membership: Get a 10% discount on onefinestay bookings, plus free WiFi and a complimentary iPhone (with free local calls and data) to use during your stay.
  • Shopping and travel protections: Including cell phone protection, baggage delay insurance, trip interruption/cancellation insurance, and more

The Terms & Fees

Purchase APR Balance Transfer APR Cash Advance APR
14.99% Variable 0% for 15 months, then 14.99% Variable 25.24% Variable
Annual Fee Foreign Transaction Fee
$995 0%
Balance Transfer Fee Cash Advance Fee
3% ($10 min) 5% ($10 min)
Penalty APR Late Fee Returned Payment Fee
N/A Up to $37 Up to $37

The annual fee stands out most here. It’s hard to justify at a whopping $995. Authorized users cost an additional $295.

This card doesn’t have a foreign transaction fee, which is expected for a high-end travel card.

Interest rates are relatively low, although that shouldn’t matter, because we recommend you avoid interest completely by paying the full statement balance every month. The intro APR on balance transfers is OK, but it’s not something people considering this card would likely need. It would probably be a better idea to put the $995 toward paying off credit card balances than opening this expensive card and transferring a balance to it!

The Bottom Line

Whether the Mastercard® Gold Card™ is right for you depends largely on how much you think you’ll be able to use its benefits. The wide range of credits provided by Luxury Card’s VIP Hotel & Travel Benefits Program could offer seemingly endless value to the luxury-minded, travel-oriented cardholder.

But even with its appealing benefits, the Mastercard Gold Card is far from the best premium travel card on the market. Its annual fee leans toward exorbitant, and its rewards program is average at best.

So, if you’re seriously in the market for a function-first premium credit card, you may want to consider the alternatives (which you’ll find below). You’ll generally pay a much lower annual fee, and you’ll probably end up with better rewards and comparable or better benefits, including the Global Entry credit, airline fee credit, and airport lounge access flaunted by the Gold Card, plus more.

If it’s a heavy, shiny, gold-plated credit card you’re after, however, the Mastercard Gold Card could be the right choice. Because it’s pretty much the only choice.

How to Apply for the Mastercard Gold Card

This card is issued by Barclays. If you apply they’ll usually pull information from your TransUnion credit report.

The Gold card is intended for people with very good to excellent credit — with FICO, that’s typically a score of 740 and up — so if your credit is not great you may not be approved. Just remember that your credit is more than just your credit scores, and even if your scores could be considered excellent, you still risk being denied; and if your scores are lower, you still have a chance of approval.

Qualifications and Requirements

  • Must be 18 to apply
  • General information: Name, permanent address, time at permanent address, residence status
  • Employment and financial information: Source of income, occupation, total annual gross income
  • Contact information: Primary phone, email address
  • Security information: Date of birth, Social Security number, mother’s maiden name

Mastercard® Gold Card™

Our rating
Min. credit levelExcellent
Details
Annual Fee$995
Regular APR14.99% Variable
Apply Now

securely on the issuer's website

  • 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 and conditions apply.
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Alternatives to the Mastercard Gold Card

There are a few other cards with lower annual fees and great benefits that you might want to check out if you’re considering the Mastercard Gold Card.

The Platinum Card® from American Express

Our rating
Min. credit level Good
Details
(Rates & Fees)
Annual Fee $550
Regular APR N/A
Apply Now

securely on the issuer's website

The Platinum Card® from American Express (Review) established the idea of a high-priced travel card with great benefits.

The Platinum is considerably more rewarding than the Gold Card. This credit card offers multiple categories in which you’ll earn points, whereas the Gold only offers 1X point on all purchases. You’ll have a chance to earn a sizable intro bonus with the Platinum, unlike the Gold Card. The benefits package for the Platinum is also more enticing than what the Gold Card offers, with the best airport lounge access available on a credit card, elite hotel statuses, and a variety of annual credits.

You’ll have to decide if you want a more rewarding, less expensive experience with the Platinum, or if you want to make a splash with an actual gold-plated credit card. But the Platinum card is impressive in its own right — and it’s not quite so gaudy.

Spending Rewards
  • 5X Membership Rewards points per dollar on:
    • Flights booked directly through airlines or through American Express Travel
    • Prepaid hotels booked through American Express Travel
  • 2X Membership Rewards points per dollar on other eligible travel expenses booked through American Express Travel
  • 1X Membership Rewards point per dollar on all other purchases
Introductory Bonus Offer
  • 60,000 bonus points for spending $5,000 in purchases in the first 3 months
  • Global Lounge Collection: Cardholders get the best airport lounge access available on a credit card with Amex’s Global Lounge Collection, which includes Priority Pass lounges, Delta Sky Clubs, Centurion Lounges, and more.
  • $200 annual airline fee credit: Every year you can select an airline, and you’ll get a statement credit for up to $200 in fees (like checked bag fees or in-flight meals) charged by that airline.
  • $200 annual Uber credit: You’ll get a statement credit for up to $15 in Uber rides each month, except for December, which has a $35 credit.
  • $100 annual Saks credit: Up to $100 in statement credits each year for Saks Fifth Avenue: $50 from January through June, and $50 from July through December
  • Global Entry/TSA PreCheck application fee credit: Get a statement credit for the application fee for either Global Entry ($100 every four years) or TSA PreCheck ($85 every four-and-a-half years)
  • Complimentary elite hotel statuses: Hilton Honors Gold status and Marriott Bonvoy Gold Elite status
  • The Hotel Collection: A $100 hotel credit and room upgrades when available for every eligible two-night stay
  • Fine Hotels and Resorts: Book at least two nights from a list of specific hotels and get a room upgrade when available, daily breakfast for two, complimentary WiFi, and more.
  • Point transfer: To airline and hotel loyalty programs, like Delta, British Airways, Marriott Bonvoy, and Hyatt
  • No foreign transaction fee
  • Annual fee: $550
  • Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
  • Enjoy VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status available to Basic Card Member only.
  • 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
  • 5X Membership Rewards points on prepaid hotels booked on amextravel.com.
  • Enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
  • Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts® program at over 1,000 properties. Learn More.
  • $200 Airline Fee Credit, up to $200 in statement credits per calendar year in baggage fees and more at one qualifying airline.
  • Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. That’s up to $50 in statement credits semi-annually. Enrollment required.
  • $550 annual fee.
  • Terms Apply.
  • See Rates & Fees

American Express is a Credit Card Insider advertiser.

Chase Sapphire Reserve®

Our rating
Min. credit level Excellent
Details
Annual Fee $550
Regular APR 16.99%-23.99% Variable

The Chase Sapphire Reserve® (Review) boasts a much lower annual fee than the Gold Card, along with a higher travel credit.

You’ll have the opportunity to earn more with the Sapphire Reserve than with the Gold, especially given the point redemption and transfer opportunities. The travel credit is top-notch. The other benefits are largely the same, each card providing a pretty strong set.

So if you’re looking to save some money annually while getting better rewards and benefits, this might be a solid choice for you.

Spending Rewards
  • 10X Ultimate Rewards points per dollar on Lyft rides (through March 2022)
  • 3X Ultimate Rewards points per dollar on:
    • Travel (after the full travel credit is used)
    • Dining
  • 1X Ultimate Rewards point per dollar on everything else
Introductory Bonus Offer
  • 50,000 bonus points for spending $4,000 in the first 3 months after account opening

You’ll also earn an additional 50% point bonus when redeeming for travel through the Chase Ultimate Rewards portal, which would give you 1.5 cents per point.

Point transfers to partner airlines and hotels could provide an even better value, potentially giving 2 cents per point or more.

  • $300 annual travel credit: You’ll get a $300 travel credit every year that will be automatically applied to any travel-related expenses you charge to your card.
  • Priority Pass Select membership: Get access to over 1,000 airport lounges worldwide. The cardholder and two guests can enter for free; additional guests cost $32 each.
  • Luxury Hotel & Resort Collection: Provides complimentary services and benefits at participating hotels and resorts
  • Global Entry/TSA PreCheck application fee credit: Get a statement credit for the application fee for either one of these programs. You’ll get up to $100 once every four years.
  • Elite Hotel Benefits at Relais & Châteaux: Accelerated progress toward Club 5C member status with Relais & Châteaux luxury hotel and resort properties
  • Visa Infinite Concierge: Call for non-emergency help of all kinds, like making dinner reservations, travel suggestions, or finding good tickets to a show.
  • Point transfer: Transfer your points at a 1:1 rate to a variety of airline and hotel loyalty programs, like United, JetBlue, and Marriott.
  • Purchase and Balance Transfer APR: 16.99%-23.99% Variable
  • No foreign transaction fee
  • Annual fee: $550

Citi Prestige® Card

Our rating
Min. credit level Good
Details
Annual Fee $495
Regular APR 17.99%–24.99% Variable
Apply Now

securely on the issuer's website

The Citi Prestige® Card (Review) is another top-tier travel card with great benefits and a lower annual fee than the Gold Card.

The Prestige is more rewarding than the Gold Card in many respects. You’ll earn a solid amount of points in many categories, including dining and when you book at hotels, rather than a flat 1X point on every purchase.

You’ll get a higher travel credit and equally strong perks (including the excellent 4th night free benefit), for nearly half the price. There’s also a nice intro bonus, unlike the Gold Card.

It’d be tough to earn more points per dollar in the Prestige’s categories with another card; if they look good, and if hotels are your thing, this is definitely a card to consider.

Spending Rewards
  • 5X ThankYou points per dollar on:
    • Air travel
    • Restaurants
  • 3X ThankYou points per dollar on:
    • Hotels
    • Cruise lines
  • 1X ThankYou point per dollar for every other purchase
Introductory Bonus Offer
  • 50,000 ThankYou points for spending $4,000 within 3 months of account opening
  • $250 annual travel credit: Get an automatic $250 credit to use for practically any travel expense (due to the impact of COVID-19, from 5/1/20 through 12/31/20, the $250 travel credit benefit will be expanded to include purchases made at supermarkets and restaurants).
  • Complimentary 4th night stay: Get one free night with no blackout dates if you book four nights in a row through ThankYou.com, and pay using your card, ThankYou points, or a combination of both. Capped at two uses per year.
  • Priority Pass Select membership: You and your authorized users can access Priority Pass lounges at no charge (with up to two guests for free).
  • Global Entry/TSA PreCheck application fee credit: Get a statement credit for the application fee for either Global Entry ($100) or TSA PreCheck ($85) every five years.
  • Purchase and Balance Transfer APR: 17.99%–24.99% Variable
  • No foreign transaction fee
  • Annual fee: $495
  • 5X ThankYou points on Air travel and Restaurants
  • 3X ThankYou points on Hotels and Cruise Lines
  • No limit to the amount of points you can earn
  • Rewards never expire
  • $250 travel credit
  • Complimentary 4th night free on eligible hotel stays, capped at twice per year
  • Complimentary Priority Pass Select membership
  • Global Entry or TSA Pre✓ Application Fee Credit
  • No foreign transaction fees
  • $495 annual fee

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

Mastercard® Black Card™

Our rating
Min. credit level Excellent
Details
Annual Fee $495
Regular APR 14.99% Variable
Apply Now

securely on the issuer's website

The Mastercard® Black Card™ (Review) is a sleek, stainless steel high-end travel card that’s similar to the Gold card but with a much lower annual fee.

If you’re looking to make an impact with a metal card, this one could still do the trick (and might be confused with the infamous Amex “Black” Card). The Mastercard Black and Gold both offer a flat 1X point on all purchases, with the chance of earning up to a 2% return on spend, but the Gold has a better cash back redemption rate.

The Gold Card also has some stronger benefits, but that doesn’t count the Black Card out. You’ll still receive an annual flight credit and airport lounge access, just with half the annual fee, and it’d be easy to argue that it’s a better deal all around.

If you’re looking for a powerful card you might not want to go for the gold. The Black Card still carries strong benefits and practically the same reward system, all while costing significantly less.

Spending Rewards
  • 1X point per dollar on all purchases

You’ll get 1.5 cents per point for statement credit redemptions (less than the Gold), and 2 cents per point for airfare (the same as the Gold).

So you’re getting a cash back equivalent of 1.5% for statement credits, and 2% for airfare.

  • $100 annual travel credit: Get a $100 travel credit every year, which can be applied to travel expenses like airfare, baggage fees, and in-flight purchases.
  • Global Entry application fee credit: Receive a $100 Global Entry application fee credit, once every four years.
  • Priority Pass Select membership: Gain access to over 1,000 airport lounges worldwide at no charge, and bring unlimited guests with you.
  • Luxury Card ConciergeGet access to 24/7 concierge service for help with travel suggestions, restaurant reservations, entertainment tickets, and more.
  • Purchase APR: 14.99% Variable
  • Balance Transfer APR: 0% for 15 months, then 14.99% Variable
  • No foreign transaction fee
  • Annual fee: $495
  • Patented black PVD metal card—weighing 22 grams.
  • 2% value for airfare redemptions with no blackout dates or seat restrictions.
  • 1.5% 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 $100 annual airline credit and $100 Global Entry and TSA Pre-Check application fee credit.
  • Cell Phone Protection, Lyft credits, Postmates discounts, Fandango perks and more.
  • Annual fee: $495 ($195 for each Authorized User).
  • Terms and conditions apply.

Like what you read? Do you use the Mastercard Gold Card? Let us know how you like it in the comments below!

For rates and fees of The Platinum Card® from American Express, please click here.

At a glance

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.

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The information related to Citi Prestige® 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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