The Luxury Card Mastercard Gold Card is a $1199/year travel rewards card from Luxury Card. It earns 4% on travel.
Beyond the points: Up to $700 in annual statement credits ($300 airline + $200 dining + $200 Ship&Play), plus a $120 Global Entry/TSA PreCheck credit that also covers authorized users, offsets well over half the $1,199 fee before any points are counted. Redeems at a flat 2¢/point for both cash back and airfare.
Annual Credits
This card currently offers $820 in annual credits. What they're actually worth depends on how you spend — run your own numbers in the calculator to see which ones you'd capture.
- $300 Airline fee credit requires spending in this category
- $200 Dining credit requires spending in this category
- $200 Ship&Play credit requires enrollment or a specific merchant
- $120 Global Entry/TSA PreCheck $120 every 4 years
Credits are not factored into our rankings — cards are ordered by rewards earned minus the full annual fee. We show credits separately so you can judge them against your own habits rather than taking an advertised total at face value.
Rewards Breakdown
| Category | Rate | Details |
|---|---|---|
| Travel | 4% | Unlimited |
| All other purchases | 2.0% | Unlimited |
| Foreign Transaction Fee | None | Great for international purchases |
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See Your Estimated RewardsFrequently Asked Questions
What is the annual fee for the Luxury Card Mastercard Gold Card?
The Luxury Card Mastercard Gold Card has an annual fee of $1199.
What is the sign-up bonus for the Luxury Card Mastercard Gold Card?
The Luxury Card Mastercard Gold Card does not currently offer a sign-up bonus.
Does the Luxury Card Mastercard Gold Card charge foreign transaction fees?
No, the Luxury Card Mastercard Gold Card does not charge foreign transaction fees.
What categories earn bonus rewards with the Luxury Card Mastercard Gold Card?
The Luxury Card Mastercard Gold Card earns 4% on travel.
These rankings are estimates based on published card terms. Actual rewards depend on your spending patterns, how you redeem, and whether your purchases qualify for bonus categories. Rates and terms may change — verify current offers on the issuer’s site.
The Luxury Card trademarks are property of Barclays Lifestyles LLC. BLACK CARD is a registered trademark used under license. Luxury Card products are issued by Barclays Bank Delaware pursuant to a license from Mastercard International Incorporated, owner of the registered trademarks Mastercard, World Elite Mastercard, and the circles design. All trademarks are the property of their respective owners. © 2025 Barclays Lifestyles LLC