Is Mastercard® Gold Card™ the right fit for you?
Last Updated: 04/20/2026
SuperMoney User Recommendation Score +64
Strongly recommended11 total votes
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Highlights
Community Rating
Strongly recommended
Purchase APR (Variable APR)
19.49% - 27.49%(Verified 04/15/2026)
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Balance Transfer APR (Variable APR)
19.49% - 27.49%(Verified 04/15/2026)
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Credit Score Range
740 - 850
Annual Fee
$1,199
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Number of Reviews
Mastercard® Gold Card™ Review
This is a travel card issued by Barclays Bank. If you're wondering whether Mastercard® Gold Card™ is the right card for you, read on.
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 19.49% to 27.49%, 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 19.49% up to 27.49%.
- 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™
| The Good | The Bad |
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Mastercard® Gold Card™ FAQ
Does Mastercard® Gold Card™ have a cash back or rewards program?
Mastercard® Gold Card™ is a travel rewards card.
| 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?
Mastercard® Gold Card™ provides the following 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.Mastercard® Gold Card™ has a variable purchase APR that ranges from 19.49% up to 27.49%. The card has a variable balance transfer APR that ranges from 19.49% up to 27.49%. It also has a variable cash advance APR of 29.74% .
Does 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 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 19.49% to 27.49%, based on your creditworthiness and other factors. This APR will vary with the market based on the Prime Rate.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 19.49% - 27.49% (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% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of $1,199*($349 for each Authorized User). Terms and conditions apply. .
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.How do people rate the customer service and user experience of Mastercard® Gold Card™?
Overall, Mastercard® Gold Card™ is strongly recommended based on community reviews that rate customer service and user experience.
Does Mastercard® Gold Card™ report your account activity to credit bureaus?
Yes, Mastercard® Gold Card™ reports to the following credit bureaus:
- 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 build your credit.
Does Barclays Bank perform a hard credit pull?
Yes, Mastercard® Gold Card™ performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
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.
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.
View Mastercard® Gold Card™'s published terms & conditions
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...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from Mastercard® Gold Card™
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740 - 850
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Credit Score Range
740 - 850
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Annual Fee
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Purchase APR
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Balance Transfer APR
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700 - 850
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850
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Purchase APR
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18.99% - 27.99%
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Credit Score Range
650 - 850
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850
Annual Fee
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Balance Transfer APR
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650 - 850
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850
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Rating not yet determined
Purchase APR
28.99%
Disclaimer popup with additional information
Balance Transfer APR
28.99%
Disclaimer popup with additional information
Credit Score Range
Starting at 740
Annual Fee
$0
Rating not yet determined
Purchase APR
19.74% - 28.74%
Disclaimer popup with additional information
Balance Transfer APR
19.74% - 28.74%
Disclaimer popup with additional information
Credit Score Range
N/A
Annual Fee
$0
Rating not yet determined
Purchase APR
18.74% - 27.99%
Disclaimer popup with additional information
Balance Transfer APR
18.74% - 27.99%
Disclaimer popup with additional information
Credit Score Range
640 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
19.49% - 28.74%
Disclaimer popup with additional information
Balance Transfer APR
19.49% - 28.74%
Disclaimer popup with additional information
Credit Score Range
640 - 850
300
850
Annual Fee
$75
SuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +64, or 4.3 on a 5-point rating scale.
+64
-1000+100
No one recommends
Everyone recommends
Mastercard® Gold Card™ Community Reviews
Would you recommend Mastercard® Gold Card™ to your friends?
MC
Mazhar C.
Nov 25, 2022
May or may not recommend
Besides being a beautiful card, this one has reasonable interest rates and is accepted everywhere. I would recommend.
NR
Nicole R.
Oct 26, 2022
May or may not recommend
Besides being a beautiful card, this one has reasonable interest rates and is accepted everywhere. I would recommend.
Nicole R.
TH
Tamela H.
Sep 28, 2022
May or may not recommend
I have been a Master card gold member for two years; I have earned cash back. I never have an issue getting a hold of customer service if I have a question, they are easy to get in touch with. Easy to apply and quick approval time. Highly recommend.
Kayla P.
Feb 25, 2022
May or may not recommend
Application process was easy. However they have higher interest rates than more credit cards, they also require your credit to be very good. Which is a little u realistic
LH
Lashane H.
Dec 3, 2021
May or may not recommend
If you’re looking to improve your credit, open an account with Gold Card, use only a little bit of your credit to keep your debt-to-credit ratio low and of course, make your payments on time, you will see your credit score go up fast.
BK
Brandon K.
Aug 19, 2021
May or may not recommend
This is a perfect credit card for someone who has established excellent credit and the perks are phenomenal. There’s 0% APR rate for balance transfer from 12-15 months. Also, there’s no foreign transactional fees (great for world travelers that love to swim). The APR is competitive, which starts at 14.9%. There’s several benefits of the card such as: travel accident support, TSA checkin, identity theft protection. This card has been ...Show More
DR
Devine R.
Jul 14, 2021
May or may not recommend
Very Good!! I love this MasterCard very reliable and good source for personal credit!
RP
Rene P.
May 29, 2021
May or may not recommend
This credit card has both its pros and cons. let's break them down:
Pros: The application process was fast and easy, the approval odds are high even if you had terrible credit like me. The APR is probably the lowest out of all my cards. Also, the travel points really add up and don't expire.
Cons: I wish there could be additional rewards and/or bonuses with certain travel companies as other cards ...Show More
RH
Rana H.
Jan 21, 2021
May or may not recommend
This is so overpriced for no good reason to be very honest. With an average reward system and extremely high annual fees, there are SO many better options out there. It's hard to build decent credit with this card. I think perhaps the biggest benefit is the prestige that comes with having one of these cards? Not sure.
CC
Constance C.
Dec 18, 2020
May or may not recommend
My Luxury Card Mastercard Gold Card is great. It came with a fantastic reward program and lets me earn 1 point for the money I spend on everyday purchases. The best part is that I was able to transfer balances from other cards for up to 15 months with O% APR. I would definitely recommend it to all of my friends.
Kimberly S.
Oct 16, 2020
May or may not recommend
Interest rates matter. Although this one is not super low it is a nice mid level credit card that meets your needs. If you are looking to expand your portfolio, build your credit, and have a credit card on hand for an emergency this one might be the perfect one for you. I know that it is is for me. I'm happy with the ease of the card and the ...Show More
Showing 11 of 11 reviews
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