Mastercard Gold Card
By Alex Compton · Last verified
A 24K-gold card with a $1,199 fee, the most expensive 2% back in America.
Welcome Bonus
None
No welcome offer; the only public bonus is on the Black Card
Spend Requirement
None
Annual Fee
$1199
No FTF
Credit Score
740+
(Excellent)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
No numeric welcome bonus recorded
This product has no points- or cash-denominated offer to plot. Dated no-offer observations, non-points benefits, corrections, and primary-source links remain preserved in the table below.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-10-12 | 0 | No recorded spend | Terms reconfirmedNo welcome offer; annual fee now $1,199 | Luxury Card Mastercard Gold Card product page → |
| 2026-06 | 0 | No recorded spend | Terms reconfirmedNo welcome offer | Archive record · no attached snapshot |
| 2024-01 | 0 | No recorded spend | Earliest recordNo welcome offer | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- changed
Annual fee rose to $1,199 ($349 AU); $300 airline, $200 dining and $200 Ship&Play credits; no welcome offer
Fields: annualFee, authorizedUserFee, credits, benefits
Luxury Card Mastercard Gold Card product page →
Source checked 2026-10-12 · spot an outdated offer? Report a correction above.
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Earning Rates
- 2xAirfare and hotels booked through LuxuryCardTravel.com
- 1xAll other purchasesPoints worth 2% as cash back or toward airfare
Credits ($700/yr stated)
- Airline credit$300
Flight-related purchases including tickets, bag fees and upgrades; no enrollment or airline designation
- Dining credit$200
Qualified restaurants; no enrollment required
- Ship&Play credit$200
Toward shipping your bags and gear ahead with Ship&Play
Benefits
- ✦Card made with 24K gold, 22 grams
- ✦2% point value on cash back and airfare redemptions, the highest of the trio
- ✦Priority Pass Select lounge access with guests included
- ✦Global Entry or TSA PreCheck application credit
- ✦24/7 Luxury Card Concierge and Luxury Card Travel hotel benefits
Why it earns its spot
- +Flat 2% cash back value on everything
- +$700 of yearly airline, dining and Ship&Play credits
- +It is plated in actual gold, which is the entire point
Where it costs you
- −$1,199 every year, plus $349 per authorized user
- −No welcome bonus to offset year one
- −Ship&Play credit only helps if you ship luggage or gear
The Compound Verdict
Net of the $500 in airline and dining credits you are still paying about $700 a year for 2% cash back that Citi Double Cash gives away free, and the Ship&Play credit only narrows that if you actually ship your bags. Nobody buys this card for math; they buy it because it is gold. As a status object it delivers, as a financial product it is the worst deal in this database.
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