MasterCard® Gold Card™

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  • 24K-Gold-Plated/Carbon Card - Patented Design
  • Industry-Leading Rewards
  • DOUBLE POINTS value when Redeemed for Airfare
  • 2% Value for Cash Back Statement Credit Redemptions
  • Luxury Card Concierge™
  • $200 Annual Airline Credit Toward Qualifying Airline Purchases
  • $100 Global Entry Application Fee Credit
  • Luxury Gifts and Members-Only Luxury Magazine
Annual Fee:
$995; $295 for each additional user
Purchase Intro APR:
Purchase Regular APR:
Balance Transfer Intro APR:
0% intro
(15 Billing Cycles) on qualifying transfers
Balance Transfer Regular APR:

Details, Rates & Fees

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* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the 'Apply Now' button, you can review the credit card terms and conditions on the provider's website.

Cash Advance Rate 25.74%* Variable
Cash Advance Fee 5% Min: $10
Late Fee Up to $37
Penalty APR N/A
Balance Transfer Fee 3% Min: $5
Foreign Transaction Fee None
Return Payment Fee Up to $37


All Purchases

1 point per dollar

No cap on spending


1 point per dollar

DOUBLE POINTS when redeemed for airfare

Cardholders' Reviews

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Positive Review
Bragging rights card
by Kibarrow
Helpful to 1 out of 4

What you should know.... every app turns into a manual process.

It took about 30 hrs from the time of submit for acceptance notification.

The app update site is truly the best at letting you know your status.

Chase Sapphire Reserve will expedite NEW approved cards, they will not for some reason. (Odd)

Would I recommend the card? 1- To each his own. 2- I do not have enough customer service interaction, problem resolution, reward redemption to give honest feedback. 

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Negative Review
Barcllays does not value cardholders
by delicatedelinquent

I have a credir score of 753 with 3 accounts with Barclays all in excellent standing. I have 22 total credit catrds all in excellent standing with very low utilization. Barclays would not apprve me for a credit increase on my black card and outrighr denied me the Gold MasterCard. I do not feel valued as a customer of theirs and plan on paying off all balances and not using the cards so they will not get fees. 

Our Take

The MasterCard® Gold CardTM is a high-end credit card that even looks luxurious.

What to Like

Let’s start with the obvious: This thing is plated in 24-karat gold. That’s something to like. Cardholders also get access to a lot of perks, including a $200 annual airline credit, access to VIP airport lounges, $100 toward a Global Entry application fee and periodic luxury gifts that you’ll receive in the mail.

Look Out For

This is a high-end card, so cardholders will usually have strong credit scores. There’s a $995 annual fee and a $295 annual fee for each additional user.

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† Credit Karma looks at how your credit profile compares to other Credit Karma members who were approved for this product. Of course, there's no such thing as a sure thing, but knowing whether your Approval Odds are Very Good, Good, Fair or Poor may help you narrow down your choices.

‡ Average score refers to the arithmetic mean, typical low score to the 5th percentile and typical high score to the 95th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from December 2016 through May 2017. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.

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