Luxury Card Mastercard Gold Card Calculator

Card Details & Rewards Points Calculator
1x All Purchases
Luxury Card Concierge
$200 Annual Airline Credit
Global Entry Credit
Priority Pass Select
Luxury Gifts
Luxury Card Travel
High Redemption Value

Calculate how many points you can earn with the Luxury Card Mastercard Gold Card based on spend and compare results against top rewards cards.


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.

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 (SUB)

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

Fees

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.

and Card Value Calculator

You can use this 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 rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

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.
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Categories 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.
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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.
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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 spend and bonuses above this line and the cash value of it all.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of total earnings based on currency worth.
$0
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.
$0
Total Return
The percent you are earning based on spend, earnings, and fees.

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