Last Updated: 03/23/2026
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Mastercard® Gold Card™ Review
Key Takeaways
- Earn 2X points on Airfare and Hotel reservations booked through LuxuryCardTravel.com
- $300 Annual Airline Credit: Receive up to $300 in annual air travel credits toward flight-related purchases, including airline tickets, baggage fees, upgrades and more.
- $200 Annual Dining Credit in statement credits toward dining related purchases. 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. The credit amount is available in full at the start of the calendar year.
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 15 months. 0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening. After that, (and for balance transfers that do not post within 45 days of account opening) the APR will be 19.74% to 27.74%, based on your creditworthiness and other factors. This APR will vary with the market based on the Prime Rate.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 19.74% up to 27.74%.
- A 5% balance transfer fee. Mastercard® Gold Card™ charges a fee of 5% on balance transfers. For example, a balance of $1,000 could cost $50 in transfer fees. The minimum fee is $5.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, access to a concierge, emergency support, identity theft protection, travel accident insurance, trip cancellation and interruption protection, and fraud protection.
- Excellent credit required. You will have good approval odds if you have an excellent credit score.
Pros & Cons of Mastercard® Gold Card™
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Mastercard® Gold Card™ FAQ
Does Mastercard® Gold Card™ have a cash back or rewards program?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Airfare | Up to 2 x points (Earn 2X points on Airfare and Hotel reservations booked through LuxuryCardTravel.com.) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Hotels | Up to 2 x points (Earn 2X points on Airfare and Hotel reservations booked through LuxuryCardTravel.com. ) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | 1 x points (2% on cash back redemptions) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Mastercard® Gold Card™ have a signup bonus?
This card doesn't offer a cash signup bonus.Does Mastercard® Gold Card™ offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Mastercard® Gold Card™ benefits?
- Auto Rental Collision Damage Waiver
- Emergency Support
- Trip Cancellation Insurance
- Zero fraud liability
- Travel Accident Insurance
- No blackout dates when redeeming miles
- Reports to major credit bureaus
What are the relevant APRs for Mastercard® Gold Card™?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Does Mastercard® Gold Card™ have an intro APR offer on balance transfers?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 19.74% - 27.74% (see terms and conditions) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% (see terms and conditions) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 15 months (see terms and conditions) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Mastercard® Gold Card™ have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Mastercard® Gold Card™?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $1,199 (see terms and conditions) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Additional Card Fee Amount | $349 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Mastercard® Gold Card™ have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for Mastercard® Gold Card™?
What is the login page for Mastercard® Gold Card™?
How do people rate the customer service and user experience of Mastercard® Gold Card™?
Does Mastercard® Gold Card™ report your account activity to credit bureaus?
- Equifax
- Experian
- TransUnion
Does Barclays Bank perform a hard credit pull?
How to apply for Mastercard® Gold Card™
- Visit the website of Mastercard® Gold Card™.
- 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.
Mastercard® Gold Card™ Disclosure: Get rewarded every time you spend. Choose between cash back or airfare redemption with your preferred airline, and go even further with unlimited points, blackout-free booking and points that never expire. Luxury Card Travel®: Enjoy perks every time you book your travel with Luxury Card, including complimentary benefits averaging a total value of $500 per trip and exclusive Cardmember services at more than 3,000 global hotels and resorts. Benefits may daily breakfast for two, room upgrade at check-in when available, resort credits, early check-in & late check-out, welcome amenities and Complimentary Wi-Fi. View travel benefit examples at https://www.luxurytravelcard.com Mastercard World Elite Benefits: World Elite is Mastercard’s highest benefits level. World Elite Mastercard benefits include exclusive discounts from well-known products and services. Additional benefits include Mastercard ID Theft Protection™, Cellular Phone Protection and more. Visit mastercard.us/worldeliteoffers for complete details. These offers may be amended or canceled at any time without notice. Cellular Phone Protection: Simply pay for your monthly mobile phone bill with your Luxury Card to activate coverage for eligible damage or theft claims. Your Luxury Card comes with coverage that can reimburse the actual cost to repair or replace your phone if it is damaged or stolen. Mastercard ID Theft Protection: Have peace of mind with access to a number of identity theft resolution services. Provides 24 hours a day, 7 days a week assistance with replacement of your card and notifying the credit agencies should you become the victim of identity theft. 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. 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. MasterRental Coverage: Provides secondary coverage for covered damages to an eligible rental vehicle when you pay for the entire rental transaction using your card and decline the coverage offered by the rental agency. Travel Assistance Services: 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. $0 Fraud Liability Protection: Pay only for purchases you have authorized with your Luxury Card, whether you pay in a store, over the phone or online. As a Cardmember, you are not responsible in the event someone makes unauthorized purchases with your card. Travel Accident and Baggage Delay: Baggage delays are an inconvenience. You may be eligible for reimbursement of covered items up to $100 a day (maximum three qualifying days) for eligible baggage delays of more than four hours from the time you arrive at the travel destination (arrival at your primary residence is excluded). Additionally, in the event of an unfortunate travel accident, you will receive up to $250,000 coverage for eligible common carrier accidental death and dismemberment at no additional cost when you charge your entire travel fare to your eligible Luxury Card for a covered trip. Mastercard Global Service: Mastercard Global Service provides worldwide, 24-hour assistance with Lost and Stolen Card Reporting and Emergency Card Replacement. Simply call 1-800-307-7309 if you need assistance. Enhanced Trip Cancellation & Trip Interruption Insurance: Provides secondary coverage for a round-trip purchase when you use your eligible card. You can be reimbursed for the cost of the non-refundable, round-trip expenses up to $5,000 per insured person if certain covered accidental events cause you to cancel or interrupt your trip for a covered reason. 2% Value for Airfare Redemptions: Earn $1,000 toward airfare when you acquire 50,000 points—with no blackout dates or seat restrictions. "2% Value for Cash Back Redemptions: 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." LUXURY MAGAZINE®: Produced exclusively for Luxury Card members, covering the very best in travel, design, technology and fashion through smart journalism and unparalleled photography. Luxury Card Experiences®: Continually updated, carefully selected trips and tours appealing to a diverse range of passions and interests, such as Culinary & Wine, Activity & Adventure, Sports & Entertainment, Family, Arts & Culture and Specialty Travel, are available exclusively to Cardmembers. Luxury Card App: Exclusive to Cardmembers, Concierge agents are available 24/7 via live chat to assist with any request. Designed to inspire and handle Cardmembers’ everyday needs, app users can browse and book a memorable and unique Luxury Card Experience, make travel arrangements and explore exclusive Cardmember offers and perks. Message and/or data rates may apply based on your mobile carrier. Terms and conditions apply. The Luxury Card trademarks are property of Barclays Lifestyles LLC. BLACK CARD is a registered trademark used under license. Luxury Card products are issued by Barclays Bank Delaware pursuant to a license from Mastercard International Incorporated, owner of the registered trademarks Mastercard, World Elite Mastercard, and the circles design. All trademarks are the property of their respective owners. © 2025 Barclays Lifestyles LLC.
View Mastercard® Gold Card™'s published terms & conditions
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