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Mastercard® Gold Card™

in Personal Credit Cards from Black Card LLC

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Mastercard® Gold Card™

Unaffiliated

in Personal Credit Cards from Black Card LLC

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Highlights
Highlights
Annual Fee $995
Purchase APR  (Variable APR) Starting at 16.49%
Balance Transfer APR  (Variable APR) Starting at 16.49%
Credit Score Range 740 - 850
Rewards Rates
  • Airfare
  • 1% on Every Purchase
  • Hotels
  • Travel

Mastercard® Gold Card™ Review

Mastercard® Gold Card™ is a cashback credit card issued by Black Card LLC. 

This card is for people with very good credit. You need a credit score of at least 740 to apply. If you're wondering whether Mastercard® Gold Card™ is the right card for you, read on. This is everything you need to know to make a good choice.

Pros & Cons of Mastercard® Gold Card™
The Good The Bad
  • Has an introductory APR rate on balance transfers of 0%.
  • Multiple credit card perks.
  • Cardholders can earn rewards on their purchases.
  • Offers auto rental collision damage waiver.
  • Access to a concierge.
  • Includes emergency support.
  • Extended warranty protection on purchases.
  • Global Entry / TSA Precheck Fee Credit.
  • Price Protection.
  • Purchase Protection.
  • Travel Accident Insurance.
  • Travel Assistance.
  • Trip Cancellation Insurance.
  • No foreign transaction fee.
  • Earn rewards on every purchase.
  • Mastercard® Gold Card™ reports to multiple credit bureaus.
  • 2% value for airfare redemptions. 2% value for cash back Redemptions.
  • 24K-Gold-Plated – Patented Card Design
  • 24/7 Luxury Card Concierge - Available by phone, email, and mobile chat.
  • $100 Global Entry or TSA Precheck Credit. $200 annual airline credit.
  • Charges an annual fee of $995.
  • Does not offer a signup bonus.
  • Is there a Mastercard® Gold Card™ cash back or rewards program?

    Mastercard® Gold Card™ is a cashback card. This means you earn a percentage of your purchase as a cash reward. With Mastercard® Gold Card™ you receive 1% cash back on every purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash.

    Mastercard® Gold Card™ Rewards
    Rewards rate (all purchases) 1%
    Max rewards rate N/A
    Annual rewards limit N/A
    Signup Bonus ($) N/A
    Signup Bonus Spend Requirement $0

    Does Mastercard® Gold Card™ have a signup bonus?

    Mastercard® Gold Card™ doesn't offer a cash signup bonus.

    Does Mastercard® Gold Card™ offer an annual loyalty bonus?

    Mastercard® Gold Card™ doesn't offer a cash loyalty bonus.

    What are the Mastercard® Gold Card™ benefits?

    Mastercard® Gold Card™ provides the following benefits:

    • Auto Rental Collision Damage Waiver
    • Emergency Support
    • Extended Warranty Protection
    • Trip Cancellation Insurance
    • Zero fraud liability
    • Price Protection
    • Travel Accident Insurance
    • No blackout dates when redeeming miles
    • Travel Assistance
    • ID Theft Protection
    • Reports to major credit bureaus

    What are the relevant APRs for Mastercard® Gold Card™?

    According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance.

    Mastercard® Gold Card™ has a variable purchase APR starting at 16.49% . The card has a variable balance transfer APR starting at 16.49% . It also has a variable cash advance APR starting at 26.74% .

    Does Mastercard® Gold Card™ have an introductory APR offer?

    Yes, Mastercard® Gold Card™ offers an introductory APR rate on balance transfers of 0% for a period of up to 15 months.

    Mastercard® Gold Card™ does not offer an introductory rate on new purchases.
    Mastercard® Gold Card™ Balance Transfers
    Description
    Balance Transfer APR Starting at 16.49%
    Introductory Rate 0%
    Intro APR period (months) 15
    Mastercard® Gold Card™ Rates & Terms
    Description
    Balance Computation daily balance
    Purchase APR Starting at 16.49%
    Credit Limit N/A
    Penalty APR N/A
    Cash Advance APR Starting at 26.74%
    Security Deposit N/A
    Introductory Rate N/A
    Intro APR period (months) N/A

    What are the Mastercard® Gold Card™ fees?

    The following fees apply to Mastercard® Gold Card™:

    Mastercard® Gold Card™ Fees
    Fees Amount
    Annual Fee $995
    Foreign Transaction Fee 0%
    Balance Transfer Fee 3%
    Minimum Balance Transfer Fee $5
    Returned Payment Fee up to $37
    Late Payment Fee up to $37

    Does Mastercard® Gold Card™ have a foreign transaction fee?

    Mastercard® Gold Card™ does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

    Does Mastercard® Gold Card™ report your account activity to credit bureaus?

    Mastercard® Gold Card™ reports your account activity to the following credit reporting agencies:

    • Equifax
    • Experian
    • Transunion

    Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit score.

    How to apply for Mastercard® Gold Card™

    • Visit the Mastercard® Gold Card™ website.
    • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
    • Check the information is accurate and submit your application.
    • If you're denied click here to find out why your application may have been rejected and what you can do about it.

    If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

    SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

    Contact

    • Headquarters
    •   250 Veronica Lane
      Jackson, WY 83001
    •   Visit Site

    Message from Black Card LLC

    Enjoy the industry's best airline redemption rates and luxury concierge services. Our luxury concierge services are not just for travel, but reservations, recommendations, questions, and research. No limit or charges for booking directly through the concierge, available anytime, anywhere. A truly global 24/7 personal assistant.

    About Mastercard® Gold Card™

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    View all personal credit cards offered by Black Card LLC

    Availability

    Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
      Available in 50 states and Washington, D.C.
    • Alabama
    • Alaska
    • Arizona
    • Arkansas
    • California
    • Colorado
    • Connecticut
    • Delaware
    • Washington, DC
    • Florida
    • Georgia
    • Hawaii
    • Idaho
    • Illinois
    • Indiana
    • Iowa
    • Kansas
    • Kentucky
    • Louisiana
    • Maine
    • Maryland
    • Massachusetts
    • Michigan
    • Minnesota
    • Mississippi
    • Missouri
    • Montana
    • Nebraska
    • Nevada
    • New Hampshire
    • New Jersey
    • New Mexico
    • New York
    • North Carolina
    • North Dakota
    • Ohio
    • Oklahoma
    • Oregon
    • Pennsylvania
    • Rhode Island
    • South Carolina
    • South Dakota
    • Tennessee
    • Texas
    • Utah
    • Vermont
    • Virginia
    • Washington
    • West Virginia
    • Wisconsin
    • Wyoming

    Feature Breakdown

    Every Purchase (Points) 2% for cash back redemptions. 2% for airfare redemptions.
    Foreign Currency Transaction Fee 0%
    No Foreign Transaction Fee  
    No Interest Grace Period for Late Payment 23
    Paper Statement Fee $0
    Annual Fee $995
    Balance Transfer Fee % 3%
    Balance Transfer Fee Minimum $5
    Cash Advance Fee (%) Starting at 5%
    Cash Advance Fee Minimum $10
    Late Fee Amount Up to $37
    Minimum Cash Advance Fee ($) Starting at $10
    Minimum Interest Charge $0.50
    Returned Payment Fee Up to $37
    Customer Type Personal
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    • Unemployed
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
    Minimum Age 18
    Card Network
    • Mastercard
    Card Type
    • Airline
    • Balance Transfer
    • Cashback
    • Rewards
    • Travel
    Credit Bureau Reporting
    • Equifax
    • Experian
    • TransUnion
    Credit Card Benefits
    • Auto Rental Collision Damage Waiver
    • Concierge
    • Emergency Support
    • Extended Warranty Protection
    • Fraud Liability
    • Global Entry / TSA Precheck Fee Credit
    • Identity Theft Protection
    • Price Protection
    • Purchase Protection
    • Travel Accident Insurance
    • Travel Assistance
    • Trip Cancellation Insurance
    Emergency Support  
    Extended Warranty  
    Fraud Liability  
    Lost Luggage Insurance  
    Travel Insurance  
    Annual Airline Credit Starting at $200
    No Blackout Dates  
    Rewards Rates
    • Airfare
    • 1% on Every Purchase
    • Hotels
    • Travel
    Cash Advance APR (Variable APR) Starting at 26.74%
    Purchase APR (Variable APR) Starting at 16.49%
    Balance Computation daily balance
    Balance Transfer APR (Variable APR) Starting at 16.49%
    Intro APR period 15
    Introductory Rate 0%

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    Black Card LLC Personal Credit Cards

    Product

    Reviews

    Annual Fee

    Purchase APR

    Balance Transfer APR

    Credit Score Range

    Rewards Rates

    Luxury Card™ Mastercard® Black Card™
    Annual Fee $495 Annual Fee
    Purchase APR 16.49% Variable APR
    Starting Balance Transfer APR 16.49% Starting Variable APR
    Credit Score Range 740 - 850     300 850
    Rewards Categories
    • Every Purchase