MasterCard® Gold Card™

Approval Odds

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5.0 out of 5 stars
1 Review

From Cardholders in the last year

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Application Process

3 out of 5 stars

Customer Service

3 out of 5 stars

5 5

Card Details

  • Balance Transfer Intro APR 0% intro for 15 Billing Cycles on qualifying transfers
  • Balance Transfer Regular APR 15.49%* Variable
  • Annual Fee $995; $295 for each additional user
  • Purchase Intro APR Not Applicable
  • Purchase Regular APR 15.49%* Variable

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.


These reviews were written by current and former cardholders in the last year.

Mar 26, 2017
I like the way it looks and feels
EranB Cardholder

I would say it's a good "show off" card if this is what you are looking for. You will definitely get attention here and there when you pay with the card. It's weight 22 grams compared to only 5 grams of a typical plastic card. It's also relatively exclusive card that most peaple haven't seen due to the high anual fee. It's get scratched easily but I'm sure that for the 995 dollars fee that you are paying each year, they will be more then happy to provide you with a fresh card when you ask for it ;)

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See Your Approval Odds Before You Apply

Sign up for a free membership, and Credit Karma can estimate your chances of approval based on your credit profile. You’ll also get:

  • Credit scores and reports
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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.

† 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 and typical low score to the 5th 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 June 2014 through November 2014. 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.

MasterCard® Gold Card™