Mastercard Gold Card
A 24k-gold-plated card with a $995 fee, the most expensive 2% cash back in America.
Welcome Bonus
None
No welcome offer
Spend Requirement
None
Annual Fee
$995
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.
Last verified 2026-06-11 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 1xAll purchases
- 2xAirfare and hotels booked through LuxuryCardTravel.com
Credits ($300/yr stated)
- Air travel credit$300
Applies to qualifying airline purchases
Benefits
- ✦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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