Luxury Card Mastercard Gold Card Calculator

Calculate how many points you can earn with the Luxury Card Mastercard Gold Card based on spend and compare results against top rewards cards.
Updated 2020-08-22 By Robert Flowers III

The Luxury Card Mastercard Gold Card is one of the most expensive cards on the market. It's a 24K-Gold-Plated card that offers a 2% return on purchases, $200 in annual airline credits, Priority Pass, and access to a bunch of Luxury Card specific perks.

Quick Details
Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Bonus Categories

The Luxury Card Mastercard Gold Card does not feature any bonus categories. It earns 1 point per $1 spent on all purchases charged to the card. There's no limit to the amount of points you can earn running spend through the Luxury Card Mastercard Gold Card.

  • 1x All Purchases

Perks & Benefits

The Luxury Card Mastercard Gold Card comes with a handful of luxury travel benefits along with annual credits as well.

  • High Redemption Value
    • Mastercard Gold Card members can redeem points at 2% value for airfare and 2% value for cash back.
  • Luxury Card Concierge
  • Luxury Card Travel
    • Room upgrades, complimentary food and beverage, spa credits, global luggage delivery, 24/7 chauffeured transportation, airport meet and greet, discounts on rental cars, cruise line privileges, and much more comes with Luxury Card Travel.
  • $200 Annual Airline Credit
  • Global Entry Credit
  • Priority Pass Select Membership
  • Luxury Card Gifts
  • Mastercard Savings Benefits
    • $5 Off Postmates Orders of $25
    • 5% Bonus Cash Rewards with Boxed
    • ShopRunner Membership
    • Double Points with Fandango
    • 10% Discount with Onefinestay
  • Insurance & Protections

Sign Up Bonus

The Luxury Card Mastercard Gold Card does not have a standard sign up bonus.


Annual Fee

The Luxury Card Mastercard Gold Card has a $995 annual fee. You can easily shave off $200 thanks to the annual airline credit and maybe even another $100 for the Global Entry credit to bring it down to $695. In order to really squeeze value out of this card, you'll have to get lots (and I mean lots) of value out of the Luxury Card Travel, Luxury Card Gifts, and Luxury Card Concierge benefits.

This is a card for benefits, so I wouldn't specifically focus on trying to make up the fee by running spend through the card.

Authorized User Fee

The authorized user fee for the Luxury Card Mastercard Gold Card is $295 per additional user. This is a high price point, but can be worth it IF the authorized user is making use of the perks that come with having the card.

Foreign Transaction Fee

The Luxury Card Mastercard Gold Card does not have a foreign transaction fee.

Rewards Calculator

You can use the rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on the value of the rewards earned and how much each benefit is worth to you, minus the annual fees. You can click the Compare A Card button to compare this card side by side any other card featured on the site within the same calculator.

Note! All category spend entered in the primary card's column (first column when comparing cards) will carry over to all credit card calculators on the site. This means you will not have to re-enter the same information again and again when browsing during the session.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Edit Card Options
Compare A Card
Family Cards
These cards are part of the same family.
Similar Cards
These are similar cards based on earning structure and other benefits (that aren't part of the same family).
Search Cards
Search for credit cards by name, rewards program, or rewards currency.
Search Results Display Here
Category Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all rewards earned from Category Spending and Reward Bonuses, along with the cash value of it all based on Currency Worth.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of Total Earnings based on Currency Worth.

Rakuten Rewards

$25 Bonus
Earn $25 or 2,500 Membership Rewards Points when you sign up for a Rakuten Rewards account and make a $25+ purchase. Rakuten and other cash back portals allows you to easily double and triple dip on rewards. I recommend using portals when booking travel or shopping online. You can sign up through The Point Calculator referral link to help out the site.
Sign Up For Free | Rakuten Review
Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User Fee
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card based on spend, benefits, and fees.
Total Return
The percent you are earning based on spend, earnings, and fees.

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