What the Mastercard® Gold pays for.
Every perk, coverage and status this card carries, at the issuer's face value.
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Face value of perks
$496
4 credits across 3 categories
Annual fee
$1,199
Charged once a year
Top earn rate
2× points
On everything
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Everything that can be found
Every perk this card carries, grouped by what it pays for, at the issuer's published face value. What you actually keep depends on whether you use them.
Dining & restaurants
$200 · 1 perk
Annual Dining Credit
$200No enrollment or third-party apps required (official terms)
Transit
$60 · 1 perk
Lyft credit
$5/moEnroll your Luxury Card in the Lyft app; $5 credit added after taking three rides in a month and paying with the card; limit one credit per calendar month; offer valid through January 31, 2027 (official terms)
Access
$236 · 2 perks
Ship&Play Credit
$200(official terms)
Peacock credit
$3/moGet $3 off Peacock Premium or Peacock Premium Plus each month when using an eligible Luxury Card to subscribe; eligibility restrictions, exclusions and terms apply; offer valid through December 31, 2027 (official terms)
4 credits, $496 at face value. Figures come from our card database, checked against the issuer's terms. Report a mismatch
See what it would really cost you
Face value is the issuer's best case. Pick the credits you'd use and Which Card works out your effective annual fee, against any other card.
Coverages
Protections that come with the card and cost nothing extra. They have real value and no published price, so they are never counted into the figures above.
Trip cancellation & interruption
Provides secondary coverage for a covered, roundtrip purchase when you use your eligible card. You can be reimbursed for the cost of the non-refundable, roundtrip expenses up to $5,000 per insured person if certain accidental covered events cause you to cancel or interrupt your trip for a covered reason.
Lost & delayed luggage
Baggage delays are an inconvenience. You may be eligible for reimbursement of covered items for up to $100 a day (maximum 3 qualifying days) for qualifying baggage delays of more than 4 hours from the time you arrive at your travel destination (arrival at your primary residence is excluded).
Travel accident insurance
Receive up to $250,000 coverage for eligible common carrier accidental death & dismemberment, at no additional cost, when you charge your entire travel fare to your eligible card for a covered trip.
Elite status
Access and standing granted by holding the card. Some need a one-time sign-up with the issuer before they are live on your account.
Airport lounge access
With your Luxury Card, enjoy complimentary access to over 1,700 airport lounges and travel experiences in more than 600 cities across 145 countries with Priority Pass Select. Access includes unlimited visits for yourself as well as your guests.
Global Entry / TSA PreCheck credit
Mastercard Gold Card members are eligible to receive a statement credit up to one-hundred-twenty-dollars ($120) as reimbursement for a Global Entry or TSA PreCheck® application fee. Enjoy expedited arrival into the United States from international destinations. Global Entry members are eligible to participate in TSA PreCheck, an expedited domestic security screening at participating airports in the United States, with no additional application or fee required.
$300 Annual Airline Credit
Receive up to $300 in annual air travel credits toward flight-related purchases, including airline tickets, baggage fees, upgrades and more.
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 comes with coverage that can reimburse the actual cost to repair or replace your phone if it is damaged or stolen.
MasterRental Coverage
Provides secondary coverage for covered damages to an eligible rental vehicle when you pay for the entire rental transaction using your card and decline the coverage offered by the rental agency.
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