Luxury Card™ Mastercard® Gold Card™

Luxury Card is an Experian Partner

Luxury Card™ Mastercard® Gold Card™ logo.

Luxury Card™ Mastercard® Gold Card™

Recommended FICO® ScoreΘ

Very Good - Exceptional

Annual Fee:


Intro APR:

0% for the first 15 billing cycles on balance transfers made in the first 45 days after account opening

Ongoing APR:

21.24%, 25.43% or 28.24% Variable. Based on your creditworthiness.

Ongoing Balance Transfer APR:

21.24%, 25.43% or 28.24% Variable. Based on your creditworthiness.

  • 24K-Gold-Plated and stainless steel card. Tailored to be an everyday essential. Rewards and protection benefits that are designed to be used everywhere you go, rather than select categories and purchases. Plus, no foreign transaction fees.
  • Simple and flexible rewards without the hoops. 2% value for airfare redemptions with no blackout dates or seat restrictions. 2% value for cash back redemptions. Earn one point for every one dollar spent. No minimum threshold requirement for cash back or airfare redemptions.
  • 24/7 Luxury Card Concierge®—available by phone, email, SMS and chat in the app. Around-the-clock service to help you save time and manage tasks big and small. There is no requirement to make a purchase in your requests and no fees are associated with using the concierge's assistance.
  • 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.
  • Annual Airline Credit—up to $200 in statement credits toward flight-related purchases including airline tickets, baggage fees, upgrades and more. 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.
  • Up to a $100 application fee credit for the cost of TSA Pre✓® or Global Entry.
  • Automatic enrollment in Priority Pass™ Select with access to 1,300+ airport lounges worldwide with no guest or lounge limits. Includes credits at select airport restaurants for cardholder and one guest.
  • Cell phone protection for eligible claims of up to $1,000 each year. World Elite Mastercard benefits include exclusive discounts from McAfee, Lyft, Fandango, DoorDash, ShopRunner and Priceless Golf. Additional benefits include Mastercard ID Theft Protection™ and more. Additional terms & conditions apply.
  • Peace of mind protection benefits like trip cancellation and interruption, auto rental car collision waiver, travel accident, baggage delay and more.
  • 0% intro APR for 15 billing cycles on balance transfers that are made within 45 days of account opening. After that, the APR will be 21.24%, 25.43% or 28.24%, based on your creditworthiness. There is a fee for balance transfers.
  • High rewards redemption rates

  • Great travel benefits

  • Gold-plated design

  • High annual fee

  • High fee for each authorized user

See all Luxury Card‘s offers

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ΘCredit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn more.

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