Mastercard® Gold Card™
Purchase APR 19.74–27.74%, variable.
- Annual fee
- Issuer's pageluxurycard.com
“Annual Fee is $1,199.00 ($349 for each Authorized User added to the account).”
- Purchase APR
- Issuer's pageluxurycard.com
“For new and outstanding balance transfers after the introductory period and all purchases, the variable APR is 19.74% to 27.74%, depending upon our review of your application, your credit history at account opening, and other factors.”
- Foreign transaction fee
- Issuer's pageluxurycard.com
“Foreign transaction fee: 0%.”
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | −$1,200 | −$1,200 |
| Typical spender | −$1,200 | −$1,200 |
| Heavy spender | −$1,200 | −$1,200 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Assumed: not counted: 2x airfare booked through LuxuryCardTravel.com; not counted: 2x hotels booked through LuxuryCardTravel.com.
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- Lower top APR than about 40% of the 577 cards we track.
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
How you earn
- 2× pointsairfare booked through LuxuryCardTravel.com
- 2× pointshotels booked through LuxuryCardTravel.com
Rates and fees
| Annual fee | Issuer's pageluxurycard.com “Annual Fee is $1,199.00 ($349 for each Authorized User added to the account).” |
|---|---|
| Purchase APR | Issuer's pageluxurycard.com “For new and outstanding balance transfers after the introductory period and all purchases, the variable APR is 19.74% to 27.74%, depending upon our review of your application, your credit history at account opening, and other factors.” |
| Balance transfer APR | Issuer's pageluxurycard.com “Get 0% introductory APR for 15 months on balance transfers that are made within 45 days of account opening.” |
| Balance transfer fee | Issuer's pageluxurycard.com “Balance transfer fee: 5% (min.” |
| Cash advance APR | Issuer's pageluxurycard.com “The variable APR for cash advances is 29.99%.” |
| Cash advance fee | Issuer's pagebarclaycardus.com “Either $10 or 5% of the amount of each cash advance, whichever is greater.” |
| Late payment | Issuer's pagebarclaycardus.com “Up to $41 (the amount of the fee varies by state, see below)” |
| Returned payment | Issuer's pagebarclaycardus.com “Up to $41 (the amount of the fee varies by state, see below)” |
| Foreign transactions | Issuer's pageluxurycard.com “Foreign transaction fee: 0%.” |
| Grace period | Issuer's pagebarclaycardus.com “Your due date is at least 23 days after the close of each billing cycle.” |
| Minimum interest charge | Issuer's pageluxurycard.com The source states this figure; we have no exact sentence on file yet. |
Carrying a balance? See how long it takes to pay off
Benefits
- Annual Airline Credit: $300 annual
- Annual Dining Credit: $200 annual
- Ship&Play Credit: $200 annual
- Global Entry or TSA PreCheck Application Credit: $120
- Lyft Credit: $5 monthly
- Peacock Discount: $3 monthly
- Up to $120 reimbursement for a Global Entry or TSA PreCheck application fee.
- Automatic complimentary Priority Pass Select access to over 1,800 airport lounges across 600+ cities and 140+ countries, including participating airport restaurants and mini-suites; unlimited visits for the cardmember and guests.
- Preferred status at qualified restaurants worldwide.
- LuxuryCardTravel.com provides access to exclusive perks, preferred rates and added amenities for hotels, flights and car rentals.
- Complimentary benefits averaging $750 per stay at more than 3,000 luxury properties worldwide, which may include daily breakfast for two, room upgrades when available, welcome amenities, resort and dining credits, late checkout, early check-in and complimentary Wi-Fi.
- Around-the-clock Luxury Card Concierge services for travel planning, exclusive tickets, gifting and VIP experiences.
- Luxury Card Concierge is available 24/7 by phone, email, text or chat.
- No foreign transaction fees.
- Luxury Card Cellular Phone Protection for eligible damage or theft claims when the monthly mobile phone bill is paid with the card.
- Mastercard ID Theft Protection, including alert notifications, credit-file monitoring and identity-theft resolution assistance.
- Mastercard Zero Liability Protection for unauthorized purchases.
- Priceless Golf access to over 1,000 private country clubs across North America, including access to TPC courses and tee-time scheduling at Pebble Beach Resort.
- Mastercard Special Offers for additional travel, shopping and other offers.
- Get $3 off Peacock Premium or Peacock Premium Plus each month when using the eligible Luxury Card to subscribe; offer valid through December 31, 2027.
- Receive a $5 Lyft credit after taking three rides in a month and paying with the Luxury Card; limited to one credit per calendar month and valid through January 31, 2027.
- Trip cancellation: Up to $5,000 per insured person
- Rental car
- Travel accident: Up to $250,000
- Baggage: Up to $100 a day for a maximum of 3 qualifying days
- Cell phone
- Emergency assistance
Questions
- What is the annual fee?
- $1199 ($349 for each Authorized User added to the account) luxurycard.com, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- Yes: 0% of each transaction in U.S. dollars.. luxurycard.com, since Sep 29, 2026
- What is the purchase APR?
- 19.74–27.74% APR luxurycard.com, since Oct 1, 2026
Other points cards
- Business Altitude ConnectUS Bank · +$1,660 a year
- JetBlue PremierBarclays · +$1,110 a year
- Mastercard TitaniumLuxury Card · +$900 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).