Mastercard® Gold
- Annual Fee
- $1,199
- Highest rate (conditional)
- Up to 2X (Luxury Card Travel)
Terms checked against the issuer on October 10, 2026
At a Glance
- Annual Fee
- $1,199
- Authorized User Fee
- $349
- Foreign Transaction Fee
- $0
- Network
- —
- Rewards Currency
- Barclays Luxury Rewards
- Credit Required
- Excellent
Earning Rates
- 2X
Luxury Card Travel
Earn double the points when you book your airfare through LuxuryCardTravel.com.
- 2X
Luxury Card Travel
Earn double the points when you book your hotel through LuxuryCardTravel.com.
Benefits & Perks
Travel Benefits
4 perksLounge Access
Flights & Airlines
General Travel
Golf
Annual Credits & Statement Credits
5 creditsUp to
$707.50
in recurring credits (annual)
1 credit listed below has no stated dollar amount and is not counted in this total.
$300 airline credit
Receive up to $300 in annual air travel credits toward flight-related purchases, including airline tickets, baggage fees, upgrades and more.
$300
Annual
$200 dining credit
Dine and Earn. Get up to $200 in annual statement credits when you use your Luxury Card at qualifying restaurants.
$200
Annual
$200 Ship and Play credit
Send your belongings ahead of time with Ship&Play and receive up to $200 in credits annually.
$200
Annual
$120 Global Entry/TSA PreCheck
Mastercard Gold Card members are eligible to receive a statement credit up to one-hundred-twenty-dollars ($120) as reimbursement for a Global Entry...
$120
Every 4 years
2% cash back value
Cash back can be deposited directly into a US bank account or applied as a statement credit. No minimum threshold requirement for cash back redempt...
—
Annual
Lounge Access
VIP Priority Pass™ Select Airport Lounge Access
With your Luxury Card, enjoy complimentary access to over 1,800 airport lounges and travel experiences in more than 600 cities across 140 countries...
Insurance & Protections
5 protectionsTravel Accident Insurance
$250,000
Receive up to $250,000 coverage for eligible common carrier accidental death & dismemberment, at no additional cost, when you charge your entire tr...
Trip Cancellation / Trip Interruption
$5,000
Reimburses your non-refundable trip cost, up to the lesser of $5,000 per trip or $10,000 per year, for a covered cancellation or interruption.
Baggage Delay Insurance
$100
Up to $100/day (max 3 days) for baggage delayed more than 12 hours after you arrive at your destination.
Cellular Phone Protection
Simply pay for your monthly mobile phone bill with your Luxury Card to activate coverage for eligible damage or theft claims. Your Luxury Card come...
MasterRental Coverage
secondary
Covers repair/replacement cost for damage or theft up to $50,000 plus up to $500 in loss-of-use charges when you decline the agency's CDW.
Reviews & Analysis
The Math: Is $1,199 Worth It?
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$424.50
Annual Fee
-$1,199
Net Annual Value
-$774.50
Details & Terms
Payment Terms
| Purchase APR | 19.74%–27.74% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $349 |
Media & Resources
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| RewardsCC API | — | RewardsCC API |
| Barclays | Barclays: Multiple card facts | |
| Barclays | Barclays |
Top brands for this card
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
Partner credits at
Merchants this card gives you a statement credit or membership at. Unlike the brands above, this isn't about earn rate — it's money the card hands back when you spend there.