Credit Card Reviews

Luxury Card™ Mastercard® Gold Card™: When You Want the Finer Things

The typical cardholder may have a hard time making the Luxury Card™ Mastercard® Gold Card™ worth it. But if you want what it offers and can afford the fee, it may be worth considering.


  • High rewards redemption rates
  • Great travel benefits
  • Gold-plated design


  • High annual fee
  • High fee for each authorized user

Experian Review

The Luxury Card™ Mastercard® Gold Card™ isn't cheap. But if you love the idea of a 24K-gold-plated card design and luxury-level travel and other perks, it's certain to turn some heads when you pull it out of your wallet. Unless you travel on the regular, though, it'll be tough to break even on the annual cost.

Simple but Strong Rewards

This card doesn't offer a sign-up bonus, and you'll only earn 1 point per $1 spent on every purchase. But when it comes time to redeem your rewards, you'll get double the value whether you choose travel rewards or cash back, essentially giving the card a 2% rewards rate. Not many other cards offer that much redemption value.

The Value Is in the Perks

Beyond the card's 24K-gold-plated design, you'll also get access to several other shiny perks. Examples include a $200 annual airline credit, a credit for your application to Global Entry or TSA PreCheck, complimentary airport lounge access through Priority Pass™ Select, privileged access to exclusive events, and luxury gifts.

Make Sure You Can Afford It

The Luxury Card™ Mastercard® Gold Card™ charges an annual fee of $995 for your card, plus a $295 annual fee for each authorized user card. For most people, these fees make the card out of reach, especially because you can get many of the same perks on cards with lower fees. If, however, you can afford the card and want the cachet that comes with it, it could be worth the cost.

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