Mastercard Gold Card
By Alex Compton · Last verified
A 24k-gold-plated card with a $995 fee, the most expensive 2% cash back in America.
Welcome Bonus
Under review
Current claim suppressed
Spend Requirement
Under review
Annual Fee
Under review
Last recorded terms remain in the history below
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 |
|---|---|---|---|---|
| 2026-06 | 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 ledgerEvent-level primary-source attachments begin with the September 2026 verification system. Older records remain visible but are not retroactively presented as evidenced.
Source checked 2026-06-11 · spot an outdated offer? Report a correction above.
Last Recorded Earning Rates
These terms are historical context and are not presented as current.
- 1xAll purchasesPoints worth 2% as cash back or toward airfare
- 2xAirfare and hotels booked through LuxuryCardTravel.com
Last Recorded Credits
- Air travel credit$300
Applies to qualifying airline purchases
Last Recorded Benefits
Confirm availability and enrollment requirements with the issuer.
- ✦24k-gold-plated stainless steel card
- ✦2% point value on cash back redemptions, the highest of the trio
- ✦24/7 Luxury Card Concierge
- ✦Global Entry or TSA PreCheck application fee credit and Priority Pass Select lounge access
Why it earns its spot
- +Flat 2% cash back value on everything
- +$300 annual air credit
- +It is plated in actual gold, which is the entire point
Where it costs you
- −$995 every year for earning a free 2% card matches
- −No welcome bonus to offset year one
- −Benefits are nearly identical to the $495 Black Card
The Compound Verdict
Net of the $300 credit you are paying about $695 a year for 2% cash back that Citi Double Cash gives away free. Nobody buys this card for math; they buy it because it is gold and the valet notices. As a status object it delivers, as a financial product it is the worst deal in this database.
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