Mastercard® Gold Card™
in Personal Credit Cards from Barclays Bank
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| Balance Transfer APR (Variable APR) | 16.49% |
| Credit Score Range | 740 - 850 |
| Annual Fee | $995 |
| Purchase APR (Variable APR) | Starting at 16.49% |
| Rewards Rates |
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Mastercard® Gold Card™ Review
Mastercard® Gold Card™ is a cashback credit card issued by Barclays Bank. 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.
- Up to 1 points for every dollar spent on everyday purchases.
- 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.
- 3% Balance transfer fee. Mastercard® Gold Card™ charges a fee of up to 3% on balance transfers. For example, a balance of $1,000 could cost up to $30 in transfer fees. The minimum fee is $5.
- $0 foreign transaction fee. This card does not charge foreign transaction fees, which makes a great credit card to carry with you 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, Global Entry / TSA Precheck Fee Credit, price protection, purchase protection, travel accident insurance, travel assistance, trip cancellation insurance, and fraud protection.
- Very good credit required. Applicants will typically need a credit score of at least 740 to qualify.
| The Good | The Bad |
|---|---|
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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 $10 back in cash.
| Rewards rate (all purchases) | 1% |
| Max rewards rate | N/A |
| Annual rewards limit | N/A |
| Signup Bonus ($) | 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 of 16.49% . It also has a variable cash advance APR starting at 26.74% .
Does Mastercard® Gold Card™ have an introductory APR offer on balance transfers??
Yes, Mastercard® Gold Card™ offers an introductory APR rate on balance transfers of 0% for a period of up to 15 months.
| Description | |
|---|---|
| Balance Transfer APR | 16.49% |
| Balance Transfer Introductory APR | 0% |
| Balance Transfer Intro APR Period (months) | 15 |
| Balance Transfer Fee % | 3% |
| Balance Transfer Fee % After Intro Period | N/A |
| Balance Transfer Fee Intro Period (days) | 45 |
| Balance Transfer Fee Minimum | $5 |
Does Mastercard® Gold Card™ have an introductory APR offer on new purchases??
Mastercard® Gold Card™ does not offer an introductory rate on new purchases.What are the Mastercard® Gold Card™ fees?
The following fees apply to Mastercard® Gold Card™:
| Fees | Amount |
|---|---|
| Annual Fee | up to $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.
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Availability
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. |
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