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Over the Past 60 Days!
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Regular Purchase APR
19.49%
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Intro Purchase APR
N/A
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Intro BT APR
0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening.
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Typical Credit Needed
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Annual Fee
$995 ($295 for each Authorized User added to the account)
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Card Brand
Mastercard®
Highlights
- Click "APPLY NOW" to apply online
- Patented 24K-gold-plated front and carbon back—weighing 22 grams.
- 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.
- Annual Airline Credit—up to $200 in statement credits toward flight-related purchases including airline tickets, baggage fees, upgrades and more. Up to a $100 application fee credit for the cost of TSA Pre✓® or Global Entry.
- Enrollment in Priority Pass™ Select with access to 1,300+ airport lounges worldwide with no guest limit. Includes credits at select airport restaurants for cardholder and one guest.
- 24/7 Luxury Card Concierge®—available by phone, email and live mobile chat. Around-the-clock service to help you save time and manage tasks big and small.
- 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.
- Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard® benefits.
- Annual Fee: $995 ($295 for each Authorized User). Terms and conditions apply.
Card Fees
Foreign Transaction Fee
0% of each transaction in U.S. dollars.
Balance Transfer Fee
Either $5 or 3% of the amount of each transfer, whichever is greater.
Cash Advance Fee
Either $10 or 5% of the amount of each cash advance, whichever is greater.
Additional Card Details
$0 Fraud Liability
No
Auto Rental Insurance
Yes
Extended Warranty Program
No
Roadside Assistance
No
Purchase Protection
No
Travel Assistance
No
Flight Accident Insurance
Yes
Lost Luggage Reimbursement
Yes
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Concierge Service
Yes
Expert Reviews
From the LendingTree.com Editorial Team
If you are looking for a premium status credit card, the Mastercard® Gold Card™ could be a good choice. It’s made of gold. Yes, real 24-gold plated front and carbon back, weighing in at a hefty 22 grams. This card has the highest annual fee of the three Luxury Cards, which are issued by Barclays Bank, but also the biggest line-up of luxury benefits.
Elevate your travel experience with 24/7 Luxury Card concierge service, VIP airport lounge access with complimentary Priority Pass Select, and exclusive travel benefits like complimentary food and beverages, room upgrades, resort or spa credits and welcome amenities at properties in the Luxury Card Travel program.
Cardholders earn one 1 point for every one dollar spent. Redeem for a 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. This top of the line card comes with a $200 annual airline credit and $100 Global Entry application fee credit.
There are no foreign transaction fees, which will save you up to 3% when you travel abroad. Cardholders also get cell phone protection, Lyft credits, and Fandango perks.
You could save money on high interest charges when you transfer your balance to this card with 0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening. After that, (and for balance transfers that do not post within 45 days of account opening) your APR will be 19.49%. This APR will vary with the market based on the Prime Rate.
The annual fee is $995 ($295 for each Authorized User added to the account). Terms and consitions apply.
The Bottom Line
The rewards rate at 2% for airline redemption is solid. Redeem for any airlines with no blackout dates. The real value in the Luxury cards are the massive array of benefits and features that come along with the high status Luxury cards. If you travel frequently, the airport lounge access, the concierge service and exclusive travel benefits could significantly improve your travel experience.
The Good
Extensive array of luxury benefits.
The Not So Good
High annual fee. No sign-up bonus.
Editorial Note: This content is not provided by Luxury Card. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Luxury Card.
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Sign-Up Bonus
Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
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Rewards Rate
2 Miles per dollar on every purchase, every day; 5 Miles on hotels and rental cars booked through Capital One Travel
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Extra Perks
Receive up to $100 application fee credit for Global Entry or TSA PreCheck®
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Typical Credit Needed
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Annual Fee
$95
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Card Brand
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Highlights
- Click "APPLY NOW" to apply online
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Sign-Up Bonus
Only Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
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Rewards Rate
Automatically earn unlimited 1.5x Miles on every dollar of every purchase - with no annual fee.
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0% Intro APR
0% Intro APR for 15 months, then 16.74% - 27.74% Variable APR
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Typical Credit Needed
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Annual Fee
$0
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Card Brand
Discover
Highlights
- UNLIMITED BONUS: Only Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
- Automatically earn unlimited 1.5x Miles on every dollar of every purchase - with no annual fee.
- Redeem Miles to pay any part of your monthly bill, including your minimum payment.
- Turn Miles into cash in any amount, any time. Or redeem as a statement credit for travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more with no blackout dates. However you redeem, Miles keep the same value. And Miles never expire.
- 0% intro APR for 15 months on purchases. Then 16.74% to 27.74% Standard Variable Purchase APR will apply.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- Discover is accepted nationwide by 99% of the places that take credit cards.
- Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
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Sign-Up Bonus
25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening
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Flexible Redemption
Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
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Rewards Rate
Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
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Typical Credit Needed
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Annual Fee
$0
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Card Brand
Visa®
Highlights
- Click "APPLY NOW" to apply online
- Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire.
- 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
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- Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
- If you're a Preferred Rewards member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases.
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