
Luxury Card™ Mastercard® Gold Card™
Would you recommend Luxury Card™ Mastercard® Gold Card™ to your friends?
Community Rating | Strongly recommended |
Purchase APR (Variable APR) |
19.49% (Verified 03/01/2023)
|
Balance Transfer APR (Variable APR) |
19.49% (Verified 03/01/2023)
|
Credit Score Range | 700 - 850 |
Annual Fee | $995 |
Number of Reviews | 11 |
Luxury Card™ Mastercard® Gold Card™ Review
This is a rewards card issued by Barclays Bank. If you're wondering whether Luxury Card™ Mastercard® Gold Card™ is the right card for you, read on.
Key Takeaways
- LYFT Rewards. Enroll and take three eligible Lyft rides in a month using your Luxury Card and get a $5 Lyft credit. Keep riding
- Use your Luxury Card to sign up for DashPass as a new member to get three (3) complimentary months of membership. After the DashPass trial period ends, new members will automatically be charged the current monthly DashPass rate, plus any applicable fees.
- 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 15 months, which is longer than the average 0% APR period of 12 months.
- High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 19.49%
- 3% Balance transfer fee. Luxury Card™ Mastercard® Gold Card™ charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, access to a concierge, emergency support, extended warranty protection on purchases, identity theft protection, price protection, purchase protection, travel accident insurance, travel assistance, trip cancellation insurance, and fraud protection.
- Good or better credit required. You will have low approval odds if your credit score is below 700.
Pros & Cons of Luxury Card™ Mastercard® Gold Card™
The Good | The Bad |
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Luxury Card™ Mastercard® Gold Card™ FAQ
Does Luxury Card™ Mastercard® Gold Card™ have a cash back or rewards program?
Luxury Card™ Mastercard® Gold Card™ is a travel rewards card.
Minimum rewards rate | 1x |
Max rewards rate | 2x |
Annual rewards limit | N/A |
Signup Bonus ($) | N/A |
Signup Bonus Spend Requirement | $0 |
Does Luxury Card™ Mastercard® Gold Card™ have a signup bonus?
This card doesn't offer a cash signup bonus.Does Luxury Card™ Mastercard® Gold Card™ offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Luxury Card™ Mastercard® Gold Card™ benefits?
It 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
- Reports to major credit bureaus
What are the relevant APRs for Luxury Card™ Mastercard® Gold Card™?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.Luxury Card™ Mastercard® Gold Card™ has a variable purchase APR of 19.49%. The card has a variable balance transfer APR of 19.49% . It also has a variable cash advance APR of 29.74% .
Does Luxury Card™ Mastercard® Gold Card™ have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 15 months.
Description | |
---|---|
Balance Transfer Introductory APR | 0% |
Balance Transfer Intro APR Period | 15 months |
Balance Transfer APR | 19.49% |
Balance Transfer Fee Minimum | $5 |
Balance Transfer Fee % | 3% |
Does Luxury Card™ 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 Luxury Card™ Mastercard® Gold Card™?
The following fees apply:
Fees | Amount |
---|---|
Annual Fee | $995 |
Foreign Transaction Fee | 0% |
Returned Payment Fee | up to $39 |
Late Payment Fee | up to $39 |
Does Luxury Card™ 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 Luxury Card™ Mastercard® Gold Card™?
The Luxury Card™ Mastercard® Gold Card™ customer service number is (888) 710-8756.
What is the support contact email for Luxury Card™ Mastercard® Gold Card™?
The support contact email for Luxury Card™ Mastercard® Gold Card™ is online@barclaysus.com.
What is the Luxury Card™ Mastercard® Gold Card™ login page?
You can access the Luxury Card™ Mastercard® Gold Card™ login page here.
How do people rate the customer service and user experience of Luxury Card™ Mastercard® Gold Card™?
Overall, Luxury Card™ Mastercard® Gold Card™ is strongly recommended based on community reviews that rate customer service and user experience.
Does Luxury Card™ Mastercard® Gold Card™ report your account activity to credit bureaus?
Yes, Luxury Card™ 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 may help improve your credit.
How to apply for Luxury Card™ Mastercard® Gold Card™
- Visit the Luxury Card™ 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 your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Message From Luxury Card™ Mastercard® Gold Card™
Contact
- Headquarters
-
125 South West Street
Wilmington, DE 19801 USA - (888) 710-8756
- Visit Site
- Email Support
Other Services by Barclays Bank
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- 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
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
Cash Advance Fee Minimum | $10 |
Cash Advance Fee (%) | Up to 5% |
Minimum Cash Advance Fee ($) | Starting at $10 |
Foreign Currency Transaction Fee | 0% |
No Foreign Transaction Fee | |
Annual Fee | $995 |
Minimum Interest Charge | $0.50 |
No Interest Grace Period for Late Payment | 23 days |
Returned Payment Fee | Up to $39 |
Paper Statement Fee | $0 |
Additional Card Fee Amount | $295 |
Late Fee Amount | Up to $39 |
Luxury Card™ Mastercard® Gold Card™ Community Reviews
Would you recommend Luxury Card™ Mastercard® Gold Card™ to your friends?
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