Mastercard® Gold Card™ Review 2022

Daniel Penzing
Written by
Last update:

What Is the Mastercard® Gold Card™?

Mastercard® Gold Card™ Features

Mastercard® Gold Card™ Features

Who Is the Mastercard® Gold Card™ Good For?

The Mastercard® Gold Card® is for people who like to travel. Cardholders get exclusive travel benefits, including automatic travel accident insurance and reimbursement of reasonable expenses for lost luggage and travel delays. Even if you don’t travel often, this card potentially has enough advantages to make it worth using over a no-fee card.

Reasons to consider an annual fee credit card include the benefits that are generally offered with such a card, the security it provides and the fact that you will always know exactly how much you are spending each month. Because it is a Mastercard® Gold Card®, you can also use the card on a wide variety of Mastercard® SecureCode sites. This means you will be able to shop at a variety of online stores without worrying about whether or not they accept Mastercards®.

How Does the Mastercard® Gold Card™ Compare?

The Mastercard® Gold Card™ is a great way to start your summer off right! Personally, I wasn’t a big fan of the old rewards system where you only earn 1 point per dollar spent. Now with this new rewards system, you can earn 3 points per dollar! You can take this points and exchange them for more than just gift cards and merchandise. You can also get cash back, free nights, and even travel! To me this was a huge upgrade. It would be nice to be able to earn unlimited cash back and free nights. However, you will need to be a very high spender if you want to hit those elite levels.

How to Earn the Mastercard® Gold Card™ Bonuses and Benefits

No matter what you buy, you will have opportunities to earn points from Mastercard®. The rewards system is pretty straightforward, and in most cases, transactions are automatically categorize for rewards earning opportunities. You can find a full list of participating merchants online.

Mastercard® Gold Card™ Fees

Signing Up for the Mastercard® Gold Card™

The best part about the Mastercard® Gold Card™ is that cardholders are able to gain certain privileges just for signing up for the card. For example, cardholders can enjoy access to over 150 airport lounges around the world. This includes airport loungess in the US. While traveling by air can often be stressful and inconvenient, having access to an airport lounge can make your travel experience much more enjoyable.

Gold cardholders get access to over 300 cruise ships around the world, which is another popular privilege for those who love to travel. Not only that, but both gold and standard gold cardholders get access to G Adventures® travel packages. With G Adventures, you are able to plan a trip to a location around the world with the help of a professional travel agent, saving you the trouble and stress of planning everything on your own.

Customer Service

Mastercard® Gold Card™ Mobile

The Mastercard® Gold Card™ Mobile App is similar to other mobile wallets but there are some distinct differences to be aware of. Unlike other mobile wallets, you must have the Mastercard® Gold Card™ to use it.

The Mastercard® Gold Card™ Mobile App can store your pre-paid balance as well as your credit line. It’s designed to simplify transactions for the consumer, make it easier for the merchant to process the transactions, and allow for greater data security.

In addition, the app gives you access to deposit checks and view your account activity 24 hours a day, 365 days a year. No need to wait until your monthly bill is delivered.

Mastercard® Gold Card™ Pros and Cons

After reading the Mastercard® Gold Card™ Review 2022, many people are concerned if this card is the right fit for them. We always discuss this card along with the Citi® Gold Select World Elite Card because they both offer the same perks and benefits.

Mastercard® Gold Card™ Tips

Your Mastercard® Gold Card™ Review is definitely going to be more difficult than the Citi® Gold Select World Elite Card. That is because Citi makes many changes to their program every year. However, the Gold Card has been around for a while, so it stays pretty much the same. You should definitely do your research though, because there is no Mastercard® Gold Card™ Review that is going to be older than 6 months.

The first Mastercard® Gold Card™ Review I am going to give you is the positives:

  • You get 1% cash back on all purchases with no annual fee
  • You get 3% cash back on all airfare
  • You get 2% cash back on shipping, restaurants, gas stations, and drug stores
  • You get 1% cash back on all other purchases that you make

Mastercard® Gold Card™ Pros & Cons


If the regular Mastercard Gold is gold, the Mastercard® Gold Card® is platinum. It’s one of the best cashback cards, and it has a great intro APR offer.


  • Introductory Purchase and Balance Transfer APR Offer … 0% APR
  • Up to 5% cash back in rotating categories every month
  • Unlimited 3% cash back on eligible purchases, and 1% cash back on other purchases
  • Price protection
  • Trip cancellation insurance
  • Lost luggage reimbursement
  • 24/7 concierge service
  • Identity theft protection


3% foreign itinerary foreign transaction fee


Umers, you’re probably aware that you are getting ripped off when you buy something and then the price drops. This is called price protection and it’s something that MasterCard provides. The Gold Card entitles you to price protection for 90 days. The Gold Card offers more than that, though, and helps you avoid other types of problems.

The average person has 3.91 credit cards. Half have rewards credit cards and half don’t. The most common payment method is online through online banks, PayPal, or other online payment processors. Credit cards are accepted most places including much of the world and MasterCard has a worldwide network.

Is there a certain card I should have?

Probably not. Although some cards are better suited to your needs than others, there is not a card that will be better suited than another for all things. It just depends on your needs. For example, if you are going to sell something at a garage sale, then the Gold Rewards card will help you out because you will receive 10% back on everything you sell. Otherwise, if the people at the garage sale are buying your items, then points are not going to help you.

How many credit cards should I have?


The MasterCard Gold Card provides shoppers with excellent protection and benefits at an affordable price. One of the most attractive features is the first year free on air and hotel rentals. It also offers up to a 10% discount on hotel bookings and rental cars. In addition, shoppers enjoy online discounts, frequent flyer miles, emergency assistance, and a variety of fraud and identity protection.

The costs are reasonable considering the fact that it provides users with benefits that are otherwise inaccessible to them. It also has built-in protections against theft and fraud. With the Card Protection Plan, users can enjoy peace of mind from the very first day with 24/7 emergency assistance. This is in case you need help, or notice that your card has been lost or stolen. You may not want to pay for protection, but if you want to keep your account safe and maintain a good credit rating, it’s best to go ahead and spend the money.

The Gold Card provides customers with all the basic features of a traditional credit card, including protections and benefits. The MasterCard Gold Card is a multipurpose cash back card that can be used anywhere MasterCard is accepted. Although they focus on customer service and benefits, the rates and fees are similar to other multipurpose credit cards. The Gold Card is both an American Express credit card and MasterCard credit card.