Luxury Card™ Mastercard® Gold Card™

Luxury Card™ Mastercard® Gold Card™

on Luxury Card's website

Luxury Card™ Mastercard® Gold Card™

Luxury Card™ Mastercard® Gold Card™

Luxury Card™ Mastercard® Gold Card™

on Luxury Card's website

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Card details

  • 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.

Rates, fees & offers

  • Annual fee

    $995

  • Rewards rate

    1x

  • Bonus offer

    None

  • Intro APR

    0% intro APR on Balance Transfers for 15 billing cycles

  • Ongoing APR

    APR: 16.49%, Variable

    Cash Advance APR: 26.74%, Variable

  • Balance transfer fee

    Either $5 or 3% of the amount of each transfer, whichever is greater

  • Foreign transaction fee

    None

Recommended credit score

Compare to other cards

NerdWallet rating 
NerdWallet rating 
NerdWallet rating 
Learn moreLearn more
Annual fee

$995

Annual fee

$99

Annual fee

$199

Regular APR

16.49% Variable APR

Regular APR

16.74%, 20.74% or 25.74%, Variable APR

Rates & Fees

Regular APR

See Terms

Intro APR

0% intro APR on Balance Transfers for 15 billing cycles

Intro APR

0% intro APR for 15 months on balance transfers made within 45 days of account opening.

Intro APR

N/A

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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NerdWallet review

By Erin Hurd

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

Rating details

1.1

Editor's overall rating

Pros and cons

Pros
  • Luxury perks

  • Anniversary perk

  • Lounge membership

  • Intro APR period

Cons
  • High annual fee

  • Low rewards rate

  • No new cardholder bonus offer

Made with 24-karat gold (really), the Luxury Card™ Mastercard® Gold Card™ is one of the most opulent cards around, with a weighty $995 annual fee to boot.

You’ll get $200 in airline credits each year, plus luxury perks like personal concierge service, airport escorts, $100 in credit for Global Entry or TSA Precheck application fee and access to the Luxury Travel Program for travel benefits at select hotels.

The card earns 1 point per dollar spent. Points are worth 2 cents apiece for both airfare redemptions and cash back and 1 cent apiece for other redemptions.

For more information, see a closer look at this card.