- Reward Rates
- 2%2% value for airfare redemption with no airline or seat restrictions and no blackout dates
- 2%Flat-rate redemption value of 2% for cash back
- 1XEarn one point for every one dollar spent.
- Balance Transfers Intro APR
- 0% intro APR for the first 15 billing cycles following each balance transfer that posts to your account within 45 days of account opening. After that, the APR will be 20.49% to 28.49%, based on your creditworthiness. There is a fee for balance transfers.
- Purchases Intro APR
- N/A
- Regular APR
- 20.49% to 28.49%
- Annual Fee
- $995 ($295 for each Authorized User added to the account)
Highlights
- Ideal for those seeking a top-of-wallet premium card with straightforward rewards and exceptional service. Cardholders can avoid juggling various cards and monthly statements while benefiting from travel perks and enhanced protection that exceeds standard credit cards.
- Offers a flat-rate redemption value of 2% for cash back or 2% value for airfare redemption with no airline or seat restrictions and no blackout dates. Cardholders earn one point for every dollar spent. Point redemption is simple, without requiring a complex reward strategy. The card features no foreign transaction fees, no earning caps, no rotating categories, and eliminates the need to pursue transfer partners to maximize point values.
- Annual Airline Credit—up to $200 in statement credits toward flight-related purchases including airline tickets, baggage fees, upgrades and more. Cardholders simply pay for airline purchases with their Mastercard Gold Card and the credit is automatically applied to their account. There's no need to activate or designate an airline. The full credit amount is available at the start of the calendar year.
- Up to a $120 application fee credit for the cost of TSA Pre✓® or Global Entry. Also, enjoy automatic enrollment in Priority Pass™ Select with access to 1,500+ airport lounges worldwide with no guest or lounge limits. Includes credits at select airport restaurants for cardholder and one guest.
- 24/7 Luxury Card Concierge®—Make requests the way you want by phone, email, SMS and chat in the app. Connect directly with a real agent and receive 24/7 assistance for tasks big and small. Requests do not require a purchase, incur no charge for making them, and do not involve department transfers.
- Exclusive Luxury Card Travel® benefits—average value of $500 per stay (e.g., resort credits, room upgrades, free wifi, breakfast for two and more) at over 3,000 properties. Receive protection benefits like trip cancellation and interruption, auto rental car collision waiver, travel accident and baggage delay. Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard® benefits.
- Made with 24K Gold: Weighing in at an industry-leading 22g. Designed for frequent shoppers, big ticket purchases and everything in between.
- Annual Fee: $995 ($295 for each Authorized User). Terms and conditions apply.
Features
- Airport Lounge Access
- Auto Rental Insurance
- Balance Transfer
- Cash Back
- Concierge Service
- EMV
- Excellent Credit
- Free Credit Score
- Good Credit
- Mobile Pay Ready
- No Foreign Transaction Fees
- Points
- Private Jet Access
- Rewards
- Roadside Assistance
- TSA/Customs Reimbursement
- Travel
- Travel Accident Insurance
- Travel Assistance
- Trip Cancellation Insurance
- Unsecured credit card
- World Elite Mastercard®
- Zero Fraud Liability
Staff Review
Editor's Rating: 2.9 out of 5 | Our take: With an exorbitant annual fee and average rewards earning rate, the Mastercard Gold Card is not for the average cardholder; cardholders looking for a unique card that conveys status may, however, enjoy the card’s luxury perks. |