Mastercard® Gold Card™

Made with 24K Gold®

$995 Annual Fee ($295 for each Authorized User)1

Mastercard Gold Card

Balance Transfer Offer1

0% INTRO APR FOR 15 BILLING CYCLES on balance transfers that are made within 45 days of account opening. After that, the APR will be 21.24%, 25.43% or 28.24%, based on your creditworthiness. There is a fee for balance transfers.

2% Value for Airfare Redemptions2

50,000 points will get you a $1,000 ticket with no blackout dates or seat restrictions. No minimum threshold requirement for airfare redemptions.

2% Value for Cash Back Redemptions2

Cash back can be deposited directly into a US bank account or applied as a statement credit. No minimum threshold requirement for cash back redemptions.

24/7 Luxury Card Concierge®

Around-the-clock service to help you
save time and manage tasks
big and small.

Accessible by live chat, phone, SMS and email.

24/7 Luxury Card Concierge®

Around-the-clock service to help you save time and manage tasks big and small.

Accessible by chat, phone and email.

Frequent Concierge Requests

Recommend Spa Services

Recommend Spa Services

Deliver Gifts & Flowers

Deliver Gifts & Flowers

Book Tee Times

Book Tee Times

Access Concert & Event Tickets

Access Concert & Event Tickets

Make Travel Arrangements

Make Travel Arrangements

Source High-Demand Products

Source High-Demand Products

Plan Sightseeing & Hiking Trips

Plan Sightseeing & Hiking Trips

Arrange Dinner Reservations

Arrange Dinner Reservations

  • Valuable
    Research

  • Special
    Occasions

  • Well
    Connected

  • Crisis
    Management

Valuable Research

For a family moving to Denver, Luxury Card Concierge determined the best school districts and narrowed their home search.

Special Occasions

Within two hours Luxury Card Concierge secured the jumbotron in Times Square for a Cardmember’s surprise marriage proposal.

Well-Connected

Luxury Card Concierge pulled off a meet and greet with a Cardmember’s all-time favorite hockey player, Patrice Bergeron of the Boston Bruins.

Crisis Management

When a Cardmember traveling in Japan realized his cash and jewelry were left in the hotel safe, Luxury Card Concierge arranged for the valuables to be securely picked up and delivered to him.

Valuable Research

+

For a family moving to Denver, Luxury Card Concierge determined the best school districts and narrowed their home search.

Special Occasions

+

Within two hours Luxury Card Concierge secured the jumbotron in Times Square for a Cardmember's surprise marriage proposal.

Well Connected

+

Luxury Card Concierge pulled off a meet and greet with a Cardmember's all-time favorite hockey player, Patrice Bergeron of the Boston Bruins.

Crisis Management

+

When a Cardmember traveling in Japan realized his cash and jewelry were left in the hotel safe, Luxury Card Concierge arranged for the valuables to be securely picked up and delivered to him.

The Power of Redemption

Use the slider to see how much you could redeem.2
0
100,000
Point Balance
Equal Sign
Airfare
2% Redemption Rate
Equal Sign
Cash Back
2% Redemption Rate

Leading the Competition

Airfare
Redemption Rate

Versus the competition
2%
1.5%
1%
1%

Luxury Card

Chase®

Amex®

Capital
One®

Mastercard Gold Card
Chase Sapphire® Reserve
Amex® Platinum Card®
CapitalOne® Venture X®

Cash Back
Redemption Rate

Versus the competition
2%
1%
.6%
.5%

Luxury Card

Chase®

Amex®

Capital
One®

Mastercard Gold Card
Chase Sapphire® Reserve
Amex® Platinum Card®
CapitalOne® Venture X®

Premium
Card Weight

Versus the competition
22g
17g
17g
13g

Luxury Card

Amex®

Capital
One®

Chase®

Mastercard Gold Card
Amex® Platinum Card®
CapitalOne® Venture X®
Chase Sapphire® Reserve
Hassle-Free Travel

Hassle-Free Travel

$100 Global Entry & TSA Pre✓® Application Credit2
+

Mastercard Gold Card members receive a one hundred dollar ($100) automatic statement credit for the cost of the Global Entry application fee. Enjoy expedited arrival into the United States from international destinations. Global Entry members are eligible to participate in TSA Pre✓®, an expedited domestic security screening at participating airports in the United States.

$200 Annual Airline Credit2
+

Receive up to $200 in annual air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more. Using your airline credit is simple — just pay for airline purchases with your Mastercard Gold Card and we will automatically apply the credit to your account. That’s it. No need to activate or designate an airline, and you can use the credit to make as many travel-related purchases as needed until it is fully utilized.

VIP Priority Pass Select Airport Lounge Access2
+

With your Mastercard Gold Card, enjoy complimentary access to more than 1,300 airport lounges, mini-suites and even airport restaurants around the world with Priority Pass Select unlimited visits for yourself as well as your guests.

No Foreign Transaction Fees1
+

Get the most out of your rewards without incurring foreign transaction fees on international purchases.

Mastercard Gold Card members receive a one hundred dollar ($100) automatic statement credit for the cost of the Global Entry application fee. Enjoy expedited arrival into the United States from international destinations. Global Entry members are eligible to participate in TSA Pre✓®, an expedited domestic security screening at participating airports in the United States.

Receive up to $200 in annual air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more. Using your airline credit is simple — just pay for airline purchases with your Mastercard Gold Card and we will automatically apply the credit to your account. That’s it. No need to activate or designate an airline, and you can use the credit to make as many travel-related purchases as needed until it is fully utilized.

With your Mastercard Gold Card, enjoy complimentary access to more than 1,300 airport lounges, mini-suites and even airport restaurants around the world with Priority Pass Select. Access includes unlimited visits for yourself as well as your guests.

Get the most out of your rewards without incurring foreign transaction fees on international purchases.

Luxury Card Travel

Luxury Card Travel®

The Luxury Card Travel program offers you a value of $5003 per stay with an exclusive suite of benefits and services at over 3,000 global properties.

Fire Place

Room upgrade at check-in, when available

Wifi

Complimentary Wi-Fi

Coffe

Daily Breakfast for Two

Star

Unique amenity

Waldorf Astoria
Ritz Carlton
Shangri La
The Peninsula
St Regis Hotels
Edition
Travel with Peace of Mind

Travel with Peace of Mind

Trip Cancellation and Interruption4

+

Secondary coverage on round-trip purchases. Collect up to $5,000 per insured person to recover losses from interrupted or canceled trips.

Auto Rental Collision Waiver4

+

Secondary coverage for damages to an eligible rental vehicle when you pay for the entire rental using your card and decline the coverage offered by the rental agency.

Travel Accident
Insurance4

+

Receive up to $250,000 in the case of an accidental death and dismemberment when you charge your entire travel fare to your eligible card for a covered trip.

Baggage Delay
Insurance4

+

Once bags are more than four hours late to your travel destination, Cardmembers can claim up to $100 a day in reimbursement payment of covered items for the inconvenience.

Travel Assistance4

+

Designed to assist you or your travel companions when you're traveling 50 miles or more from home. Service is available 24 hours a day, 365 days a year, and provides Master Trip Travel Assistance, Medical Assistance and Master Legal Referral Service.

  • Trip Cancellation
    and Interruption4

  • Auto Rental
    Collision Waiver4

  • Travel Accident
    Insurance4

  • Baggage Delay
    Insurance4

  • Travel
    Assistance4

Trip Cancellation
and Interruption4

Secondary coverage on round-trip purchases. Collect up to $5,000 per insured person to recover losses from interrupted or canceled trips.

Auto Rental
Collision Waiver4

Secondary coverage for damages to an eligible rental vehicle when you pay for the entire rental using your card and decline the coverage offered by the rental agency.

Travel Accident
Insurance4

Receive up to $250,000 in the case of an accidental death and dismemberment when you charge your entire travel fare to your eligible card for a covered trip.

Baggage Delay
Insurance4

Once bags are more than four hours late to your travel destination, Cardmembers can claim up to $100 a day in reimbursement payment of covered items for the inconvenience.

Travel
Assistance4

Designed to assist you or your travel companions when you're traveling 50 miles or more from home. Service is available 24 hours a day, 365 days a year, and provides Master Trip Travel Assistance, Medical Assistance and Master Legal Referral Service.

Mastercard ID Theft Protection

Mastercard ID Theft Protection

When trouble appears, Mastercard ID Theft Protection will guard against everything from online identity theft to fraudulent purchases.

Sends Alert Notifications4

+

Monitors suspicious activity related to personal information you choose to track such as your name, address, email address, Social Security number, date of birth, debit/credit card numbers or other sensitive data. Whenever questionable activity is detected, Cardmembers receive alert notifications allowing them to take immediate action to minimize potential damage.

Monitors Credit File4

+

Checks for changes that could indicate fraud, such as new credit inquires, an address change, or a new account opened in your name.

ID Theft Resolution4

+

Provides you white-glove service with a resolution specialist when you require assistance resolving issues related to identity theft.

Liability Protection4

+

Have peace of mind knowing that you won't be held responsible in the event that your Luxury Card is stolen and someone makes unauthorized purchases with Mastercard Zero Liability Protection.

No Additional Cost4

+

Mastercard ID Theft Protection comes at no additional cost with your Luxury Card. To activate your benefit, visit mastercardus.idprotection.com and enter your card number and to start the registration process.

  • Sends Alert
    Notifications4

  • Monitors
    Credit File4

  • ID Theft
    Resolution4

  • Liability
    Protection4

  • No
    Additional Cost4

Sends Alert Notifications4

Monitors suspicious activity related to personal information you choose to track such as your name, address, email address, Social Security number, date of birth, debit/credit card numbers or other sensitive data. Whenever questionable activity is detected, Cardmembers receive alert notifications allowing them to take immediate action to minimize potential damage.

Monitors Credit File4

Checks for changes that could indicate fraud, such as new credit inquires, an address change, or a new account opened in your name.

ID Theft Resolution4

Provides you white-glove service with a resolution specialist when you require assistance resolving issues related to identity theft.

Mastercard Zero Liability Protection4

Have peace of mind knowing that you won't be held responsible in the event that your Luxury Card is stolen and someone makes unauthorized purchases with Mastercard Zero Liability Protection.

No Additional Cost4

Mastercard ID Theft Protection comes at no additional cost with your Luxury Card. To activate your benefit, visit mastercardus.idprotection.com and enter your card number and to start the registration process.

Mastercard Special Offers

Mastercard® Special Offers4

As a Luxury Card member, you enjoy a suite of additional travel, shopping and special offers for well-known products and services. Restrictions, limitations and exclusions may apply. Visit mastercard.us/worldeliteoffers for complete details. These offers may be amended or canceled at any time without notice.

Priceless Golf®

+

Unlock access to over 1,000 luxurious private country clubs across North America. Play at one of the dozens of TPC courses near you. Schedule a tee-time at the World Famous Pebble Beach Resort. Visit priceless.com for details.

ShopRunner

+

Receive free two-day shipping and free return shipping on eligible purchases when you enroll for a complimentary ShopRunner membership with your Luxury Card.

Once enrolled, you can start shopping and receiving exclusive offers at 100+ online retailers including clothing, shoes, beauty, electronics, home and gifts.2, 4

Offer valid through March 31, 2024.

Cellular Telephone Protection

+

Simply pay for your mobile phone bill with your Luxury Card to activate coverage for eligible damage or theft claims. Your Luxury Card comes with yearly coverage should your phone need certain repairs or is stolen.

Lyft

+

Download the Lyft app and enroll your Luxury Card. Lyft will automatically add a $5 Lyft credit to your account once you take three rides in a month and pay with your Luxury Card. Limit one Lyft credit per calendar month.

Offer valid through March 31, 2024.

Instacart

+

Get two months of Instacart+ complimentary and $10 off your second order each month with your eligible Luxury Card.

Offer valid through March 31, 2025.

Peacock

+

Stream new movies from theaters, hit series, exclusive originals, live sports and more with Peacock. Get a $3 statement credit each month when you use your eligible Luxury Card.

With Peacock Premium Plus, you’ll get access to everything Peacock has to offer, plus your local NBC channels, ad-free streaming and more. Get a $5 statement credit each month when you use your eligible Luxury Card.

Offer valid through March 31, 2025.

McAfee®

+

Get a discounted 13-month subscription to McAfee Total Protection covering up to 5 devices. Plus, a complimentary TechMate subscription.

Offer valid through March 31, 2024.

  • Priceless
    Golf®
     

  • ShopRunner
     
     

  • Cellular
    Telephone
    Protection

  • Lyft
     
     

  • Instacart
     
     

  • Peacock
     
     

  • McAfee®
     
     

Priceless Golf®
 

 
 

Unlock access to over 1,000 luxurious private country clubs across North America. Play at one of the dozens of TPC courses near you. Schedule a tee-time at the World Famous Pebble Beach Resort. Visit priceless.com for details.

ShopRunner
 

 
 

Receive free two-day shipping and free return shipping on eligible purchases when you enroll for a complimentary ShopRunner membership with your Luxury Card.

Once enrolled, you can start shopping and receiving exclusive offers at 100+ online retailers including clothing, shoes, beauty, electronics, home and gifts.2, 4

Offer valid through March 31, 2024.

Cellular Telephone Protection

 
 

Simply pay for your mobile phone bill with your Luxury Card to activate coverage for eligible damage or theft claims. Your Luxury Card comes with yearly coverage should your phone need certain repairs or is stolen.

Lyft
 

 
 

Download the Lyft app and enroll your Luxury Card. Lyft will automatically add a $5 Lyft credit to your account once you take three rides in a month and pay with your Luxury Card. Limit one Lyft credit per calendar month.

Offer valid through March 31, 2024.

Instacart
 

 
 

Get two months of Instacart+ complimentary and $10 off your second order each month with your eligible Luxury Card.

Offer valid through March 31, 2025.

Peacock
 

 
 

Stream new movies from theaters, hit series, exclusive originals, live sports and more with Peacock. Get a $3 statement credit each month when you use your eligible Luxury Card.

With Peacock Premium Plus, you’ll get access to everything Peacock has to offer, plus your local NBC channels, ad-free streaming and more. Get a $5 statement credit each month when you use your eligible Luxury Card.

Offer valid through March 31, 2025.

McAfee®
 

 
 

Get a discounted 13-month subscription to McAfee Total Protection covering up to 5 devices. Plus, a complimentary TechMate subscription.

Offer valid through March 31, 2024.

Popular Extras

Luxury Card App

Luxury Card App

Discover. Book. Perks. Chat. Dining.

Exclusive to Cardmembers, the Luxury Card App provides you with cutting-edge services from the convenience of your mobile device. Designed to inspire and handle your day-to-day activities and needs, the app lets you manage your account and access your member benefits and perks, travel services and
curated experiences.

Luxury Magazine

LUXURY MAGAZINE®

Experiences. Interests. Passions. A lifestyle.

Cardmembers receive LUXURY MAGAZINE, an exclusive publication that covers a broad range of categories—including travel, fashion, real estate, vehicles and technology. Each issue showcases an artist’s work as the cover art, making it a limited-edition collector’s item.