There’s something uniquely satisfying about the crisp click a weighty credit card makes when you set it down on the counter to pay. It just feels like luxury.
Weighing in at 22 grams (the heaviest cards out there), Luxury Card’s heavy metal credit cards deliver a VIP experience to its cardholders 24/7. Unlike other executive-level cards, anyone can apply for 1 of its 3 cards instead of waiting for an invitation. Each Mastercard Titanium Card is designed with a unique brushed stainless steel front and carbon back. With 70 patents issued globally, Luxury Card leads the industry in metal card design and construction by combining advanced technology and design principles to create durability and distinction. Every detail of your card reflects excellence and represents the exclusivity of your membership.
Each Mastercard Gold Card is made with a 24K-gold-plated stainless steel front and carbon back.
Each Mastercard Black Card is designed with a unique black-PVD-coated stainless steel front and carbon back.
With premium rewards, industry-high airline and cash back value redemption, dedicated concierge-style customer service and more, the Luxury Card Mastercard® Gold Card, Mastercard® Black Card and Mastercard® Titanium Card will make you feel like a million bucks (even if you’re still working on that 1st million).
Terms and Conditions apply.*
- Frequent travelers
- Frequent credit users -- the rewards will offset the fees associated with the card
- Earn one point for every dollar spent
- Industry-high reward redemption values
- Top-tier customer care with Luxury Card Concierge
- Flexible rewards
- Higher annual fees
Luxury Card Ratings at a Glance
In addition to its unique benefits, each of the 3 Luxury cards comes equipped with a host of perks available to any Luxury Card cardholder. You’ll have 24/7 access to Luxury Card Concierge®, a personal assistant and lifestyle management program. Your concierge is available by phone, email and live mobile chat.
You'll also receive innumerable travel benefits with a Luxury Card. In addition to its high reward redemption rates, you’ll get the red carpet treatment at over 3,000 properties throughout the global, as well as competitive rates on rooms and complimentary services. Cardholders on average receive at least $500 in total benefits per stay.
Every member also receives Luxury Magazine®, a bi-annual publication produced exclusively for Luxury Card members. It covers the very best in travel, design, technology and fashion.
Mastercard® Gold Card
| 24K-Gold-Plated and stainless steel card. Tailored to be an everyday essential. Rewards and protection benefits that are designed to be used everywhere you go, rather than select categories and purchases. Plus, no foreign transaction fees. |
| Simple and flexible rewards without the hoops. 2% value for airfare redemptions with no blackout dates or seat restrictions. 2% value for cash back redemptions. Earn one point for every one dollar spent. No minimum threshold requirement for cash back or airfare redemptions. |
| Annual Airline Credit—up to $200 in statement credits toward flight-related purchases including airline tickets, baggage fees, upgrades and more. Just pay for airline purchases with your Mastercard Gold Card and we will automatically apply the credit to your account. That’s it. No need to activate or designate an airline. |
| Up to a $100 application fee credit for the cost of TSA Pre✓® or Global Entry. Also, enjoy automatic enrollment in Priority Pass™ Select with access to 1,300+ airport lounges worldwide with no guest or lounge limits. Includes credits at select airport restaurants for cardholder and one guest. |
| 24/7 Luxury Card Concierge®—available by phone, email, SMS and chat in the app. Around-the-clock service to help you save time and manage tasks big and small. There is no requirement to make a purchase in your requests and no fees are associated with using the concierge's assistance. |
| Exclusive Luxury Card Travel® benefits—average value of $500 per stay (e.g., resort credits, room upgrades, free wifi, breakfast for two and more) at over 3,000 properties. Plus, peace of mind protection benefits like trip cancellation and interruption, auto rental car collision waiver, travel accident and baggage delay. |
| Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard® benefits. |
| Annual Fee: $995 ($295 for each Authorized User). Terms and conditions apply. |
| APR for purchases of 21.24%, 25.43% or 28.24%, 0% on balance transfers for the 1st 45 days of card ownership, then 21.24%, 25.43% or 28.24% (variable) and 30.49% (variable) for cash advances |
Mastercard® Black Card
| Stainless steel and carbon card. Tailored to be an everyday essential. Rewards and protection benefits that are designed to be used everywhere you go, rather than select categories and purchases. Plus, no foreign transaction fees. |
| Simple and flexible rewards without the hoops. 2% value for airfare redemptions with no blackout dates or seat restrictions. 1.5% value for cash back redemptions. Earn one point for every one dollar spent. No minimum threshold requirement for cash back or airfare redemptions. |
| Annual Airline Credit—up to $100 in statement credits toward flight-related purchases including airline tickets, baggage fees, upgrades and more. Just pay for airline purchases with your Mastercard Black Card and we will automatically apply the credit to your account. That’s it. No need to activate or designate an airline. |
| Up to a $100 application fee credit for the cost of TSA Pre✓® or Global Entry. Also, enjoy automatic enrollment in Priority Pass™ Select with access to 1,300+ airport lounges worldwide with no guest or lounge limits. Includes credits at select airport restaurants for cardholder and one guest. |
| 24/7 Luxury Card Concierge®—available by phone, email, SMS and chat in the app. Around-the-clock service to help you save time and manage tasks big and small. There is no requirement to make a purchase in your requests and no fees are associated with using the concierge's assistance. |
| Exclusive Luxury Card Travel® benefits—average value of $500 per stay (e.g., resort credits, room upgrades, free wifi, breakfast for two and more) at over 3,000 properties. Plus, peace of mind protection benefits like trip cancellation and interruption, auto rental car collision waiver, travel accident and baggage delay. |
| Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard® benefits. |
| Annual Fee: $495 ($195 for each Authorized User). Terms and conditions apply. |
| APR for purchases of 21.24%, 25.43% or 28.24%, 0% on balance transfers for the 1st 45 days of card ownership, then 21.24%, 25.43% or 28.24% (variable) and 30.49% (variable) for cash advances |
Mastercard® Titanium Card
| Brushed stainless steel and carbon card. Tailored to be an everyday essential. Rewards and protection benefits that are designed to be used everywhere you go, rather than select categories and purchases. Plus, no foreign transaction fees. |
| 2% value for airfare redemptions with no blackout dates or seat restrictions. 1% value for cash back redemptions. Earn one point for every one dollar spent. No minimum threshold requirement for cash back or airfare redemptions. |
| 24/7 Luxury Card Concierge®—available by phone, email, SMS and chat in the app. Around-the-clock service to help you save time and manage tasks big and small. There is no requirement to make a purchase in your requests and no fees are associated with using the concierge's assistance. |
| Exclusive Luxury Card Travel® benefits—average value of $500 per stay (e.g., resort credits, room upgrades, free wifi, breakfast for two and more) at over 3,000 properties. Plus, peace of mind protection benefits like trip cancellation and interruption, auto rental car collision waiver, travel accident and baggage delay. |
| Members-only LUXURY MAGAZINE®. |
| Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard® benefits. |
| Annual fee: $195 ($95 for each Authorized User). Terms and conditions apply. |
| APR for purchases of 21.24%, 25.43% or 28.24%, 0% for balance transfers in the 1st 45 days of card ownership, after that 21.24%, 25.43% or 28.24% (variable) and 30.49% (variable) for cash advances |
With 70 patents issued globally, Luxury Card leads the industry in metal card design and construction by combining advanced technology and design principles to create durability and distinction. Every detail of your card reflects excellence and represents the exclusivity of your membership.
The annual fees associated with these cards are on the steeper side. While the Mastercard Titanium Card isn’t over-the-top ($195 annually and $95 for each additional user), the Mastercard Black Card and Mastercard Gold Card are both significant. You’ll pay $995 annually for the Gold Card ($295 for each additional user) and $495 annually for the Black Card ($195 for each additional user).
Other fees are clearly stated — Luxury Card doesn’t believe in hidden expenses. The fees include some minor transaction fees and some penalty fees.
Foreign transaction fees are $0 across the board, but you’ll pay either $5 or 5% (whichever is greater) for a balance transfer. As for penalties, you’ll pay up to $39 for both late and returned payments. This amount may vary by state.
*Consumers should also keep in mind that intro APRs for balance transfers only apply to transfers completed within the 1st 45 days you hold the card.
Luxury Card Travel®: Luxury Card Travel offers Cardmembers an average value of $500 in travel benefits and services per average stay (3 nights average). With over 3,000 properties around the world. Benefits may include spa credits, breakfast vouchers, complimentary food and beverages, room upgrades, free-wifi, airport taxi service, early check-in, late check-out and welcome perks. View travel benefit examples at https://www.luxurycard.com/hotelandtravel
24/7 Luxury Card Concierge®: Luxury Card Concierge is a complimentary service available 24/7 to all Cardmembers by phone, email or live mobile chat via the Luxury Card App. Concierge agents can assist with bookings, research, gift sourcing, product searches, VIP access and much more. No purchase required for use of the concierge. Can be used to outsource busy tasks e.g. calling around to brick and mortar stores for high demand item or calling restaurants that can accommodate a large group. Very useful for complex itineraries. Most common uses are restaurant recommendations and reservations, delivery requests (flowers), travel booking (hotel, airfare, rental car), event tickets.
Mastercard World Elite Benefits: World Elite is Mastercard’s highest benefits level. World Elite Mastercard benefits include exclusive discounts from Lyft, Fandango, DoorDash, ShopRunner and Priceless Golf. Additional benefits include Mastercard ID Theft Protection™, Cellular Telephone Protection and more. Additional Terms & Conditions Apply.
The Luxury Card Mobile App is essentially unrivaled in what it can do for members. The app is where you’ll stay up-to-date on your balance, your Rewards and manage your payments. But it also includes dedicated, 24/7 access to a human customer care expert with the Concierge service along with an impressive roster of other app features.
You’ll be able to access all your perks from the app, including areas that Luxury Card is currently expanding like floral arrangements and delivery and golf offers. Your VIP rates and other merchant and travel perks are also be available here.
You can book curated travel itineraries that span private safari tours in Kenya to a dinner with a Harry Potter and the Cursed Child cast member in New York. This Luxury Card EXPERIENCES® feature offers includes other once-in-a-lifetime experiences in these categories:
- Culinary and wine
- Activity and adventure
- Sports and entertainment
- Family
- Arts and culture
- Specialty travel
Luxury Card doesn’t want you to waste time making reservations or searching for the best restaurants and bars. Browse and compare hotels, flights, spas, recreational activity, dining and nightlife. You can find your perfect spot and book directly from the app.
Luxury Card offers a level of customer care far beyond the average. The Luxury Card Concierge® is always on call to fulfill your needs, and you can reach the Luxury Card Concierge® from anywhere, at any time.
Your Concierge agent is available 24/7 via live chat through the Luxury Card App. You may also reach them by phone and email.
Not only will dedicated Concierge agents assist you with any queries you have about your account or card, they can also help you with composing travel itineraries, making dinner reservations, researching areas you are traveling or moving to and even finding gifts.
The customer service with Luxury Card truly exemplifies the VIP experience.
If you’re looking for a heavy card that's heavy on the perks, Luxury Card is an industry leader. While its annual fees are on the higher side, you’ll reap more in rewards if you use credit often or travel frequently.
Its Concierge service may warrant the price alone. A 24/7 personal assistant to help you handle all the things that can fall through the cracks in your busy lifestyle is priceless.
Anyone can apply for a Luxury Card. While approval relies on credit eligibility, Luxury Card can provide you the VIP experience stacked with benefits.
Cellular Telephone Protection: Luxury Card comes with $1,000 in yearly coverage ($800 maximum per claim, two claims per year) should your phone get stolen or need certain repairs. Simply pay for your mobile phone bill with your Luxury Card to activate coverage. Fandango: Get rewarded even faster on eligible purchases when you join Fandango VIP. Earn double the points for the tickets you buy with your Luxury Card, 250 points per ticket. Rack up 500 points and earn a $5 VIP + reward. ShopRunner: Receive free two-day shipping and free return shipping on eligible purchases when you sign up for a complimentary ShopRunner membership with your Luxury Card. ($79 annual value) Mastercard ID Theft Protection: Mastercard ID Theft Protection gives Cardmembers extra peace of mind at no additional cost. Services provide around-the-clock, in-depth monitoring of every aspect of your identity, from passports, credit reports, to all your credit cards to mobile phones and more. Should you become a victim of identity theft, expect immediate security alerts, replacement of your card and prompt notification to credit agencies. We ensure all of your personal information remains safe. https://mastercardus.idprotectiononline.com/enrollment/embedded.html Lyft: Enroll and take 3 eligible rides in a month using your Luxury Card and get a $5 Lyft credit. Keep riding to earn credit month after month. Onefinestay: Onefinestay provides access to thousands of rental homes and villas around the world. Cardmembers receive a 10% discount on eligible Onefinestay bookings. Auto Rental Collision Damage Waiver: Car rental services purchased with your eligible Luxury Card allow reimbursement for any damages due to collision or theft that may occur. Travel Assistance: Service is available 24 hours a day, 365 days a year, and provides the following assistance services: Master Trip Travel Assistance, Medical Assistance, and MasterLegal Referral Service. Benefits are designed to assist you or your travel companions when you're traveling 50 miles or more from home.