Our illustration, not the card’s design
Luxury Card credit card
Luxury Card Mastercard® Gold Card™
Purchase APR 19.74–27.74%, variable.
Checked Nov 1, 2026Updated
- Annual fee
- ($349 for each Authorized User added to the account)Receipt · Annual feeChecked Nov 1, 2026
Issuer's page · luxurycard.com
The source states this figure; we have no exact sentence on file yet.
- Purchase APR · variable
- Receipt · Purchase APRChecked Nov 1, 2026
Issuer's page · luxurycard.com
“For new and outstanding balance transfers after the introductory period and all purchases, the variable APR is 19.74% to 27.74%, depending upon our review of your application, your credit history at account opening, and other factors.”
- Foreign transactions
- Receipt · Foreign transactionsChecked Nov 1, 2026
Issuer's page · luxurycard.com
“Foreign transaction fee: 0%.”
Select an underlined figure to see where it comes from.
In dollars
What it’s worth
Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
| Spending | Value against the fee | First year | After |
|---|---|---|---|
| Light spender | −$1,200 | −$1,200 | |
| Typical spender | −$1,200 | −$1,200 | |
| Heavy spender | −$1,200 | −$1,200 |
The spending each assumes, and what isn’t counted
- Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month
Assumed: not counted: 2x Earn 2X points on airfare booked through LuxuryCardTravel.com.; not counted: 2x Earn 2X points on hotels booked through LuxuryCardTravel.com..
−$1,200a year
The same in the first year and after.
Rewards and credits$0
−$1,200 after the fee−$1,200 annual fee
The spending this assumes
A month: groceries $300, dining $100, gas $100, everything else $500.
−$1,200a year
The same in the first year and after.
Rewards and credits$0
−$1,200 after the fee−$1,200 annual fee
The spending this assumes
A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250.
−$1,200a year
The same in the first year and after.
Rewards and credits$0
−$1,200 after the fee−$1,200 annual fee
The spending this assumes
A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: not counted: 2x Earn 2X points on airfare booked through LuxuryCardTravel.com.; not counted: 2x Earn 2X points on hotels booked through LuxuryCardTravel.com..
Use your own spending
Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards
Against the market
How it compares
- Lower top APR than about 35% of the 651 cards we track.
Other points cards
- JetBlue PremierBarclays+$1,110 a year
- Mastercard TitaniumLuxury Card+$900 a year
- Chase Sapphire ReserveChase+$775 a year
Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Rewards
How you earn
- 2×
- Earn 2X points on airfare booked through LuxuryCardTravel.com.Earn 2X points on hotels booked through LuxuryCardTravel.com.
Points per dollar.
Benefits
- Annual Airline Credit: $300 annual
- Annual Dining Credit: $200 annual
- Ship&Play Credit: $200 annual
- Global Entry or TSA PreCheck Application Credit: $120
- Lyft Credit: $5 monthly
All 27 benefits
- Peacock Discount: $3 monthly
- Up to $120 reimbursement for a Global Entry or TSA PreCheck application fee.
- Automatic complimentary Priority Pass Select access to over 1,800 airport lounges across 600+ cities and 140+ countries, including participating airport restaurants and mini-suites; unlimited visits for the cardmember and guests.
- Preferred status at qualified restaurants worldwide.
- LuxuryCardTravel.com provides access to exclusive perks, preferred rates and added amenities for hotels, flights and car rentals.
- Complimentary benefits averaging $750 per stay at more than 3,000 luxury properties worldwide, which may include daily breakfast for two, room upgrades when available, welcome amenities, resort and dining credits, late checkout, early check-in and complimentary Wi-Fi.
- Around-the-clock Luxury Card Concierge services for travel planning, exclusive tickets, gifting and VIP experiences.
- Luxury Card Concierge is available 24/7 by phone, email, text or chat.
- No foreign transaction fees.
- Luxury Card Cellular Phone Protection for eligible damage or theft claims when the monthly mobile phone bill is paid with the card.
- Mastercard ID Theft Protection, including alert notifications, credit-file monitoring and identity-theft resolution assistance.
- Mastercard Zero Liability Protection for unauthorized purchases.
- Priceless Golf access to over 1,000 private country clubs across North America, including access to TPC courses and tee-time scheduling at Pebble Beach Resort.
- Mastercard Special Offers for additional travel, shopping and other offers.
- Get $3 off Peacock Premium or Peacock Premium Plus each month when using the eligible Luxury Card to subscribe; offer valid through December 31, 2027.
- Receive a $5 Lyft credit after taking three rides in a month and paying with the Luxury Card; limited to one credit per calendar month and valid through January 31, 2027.
- Trip cancellation: Up to $5,000 per insured person
- Rental car
- Travel accident: Up to $250,000
- Baggage: Up to $100 a day for up to 3 qualifying days
- Cell phone
- Emergency assistance
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Nov 1, 2026 Issuer's page · luxurycard.com “Annual Fee is $1,199.00 ($349 for each Authorized User added to the account).” |
|---|---|
| Purchase APR | Receipt · Purchase APRChecked Nov 1, 2026 Issuer's page · luxurycard.com “For new and outstanding balance transfers after the introductory period and all purchases, the variable APR is 19.74% to 27.74%, depending upon our review of your application, your credit history at account opening, and other factors.” |
| Balance transfer APR | Receipt · Balance transfer APRChecked Nov 1, 2026 Issuer's page · luxurycard.com “0% Introductory APR Balance Transfers 1” |
| Balance transfer fee | Receipt · Balance transfer feeChecked Nov 1, 2026 Issuer's page · luxurycard.com “Balance transfer fee: 5% (min.” |
| Cash advance APR | Receipt · Cash advance APRChecked Nov 1, 2026 Issuer's page · luxurycard.com “The variable APR for cash advances is 29.99%.” |
| Cash advance fee | Receipt · Cash advance feeChecked Nov 1, 2026 Issuer's page · barclaycardus.com “Either $10 or 5% of the amount of each cash advance, whichever is greater.” |
| Late payment | Receipt · Late paymentChecked Nov 1, 2026 Issuer's page · barclaycardus.com “Up to $41 (the amount of the fee varies by state, see below)” |
| Returned payment | Receipt · Returned paymentChecked Nov 1, 2026 Issuer's page · barclaycardus.com “Up to $41 (the amount of the fee varies by state, see below)” |
| Foreign transactions | Receipt · Foreign transactionsChecked Nov 1, 2026 Issuer's page · luxurycard.com “Foreign transaction fee: 0%.” |
| Grace period | Receipt · Grace periodChecked Nov 1, 2026 Issuer's page · barclaycardus.com “Your due date is at least 23 days after the close of each billing cycle.” |
| Minimum interest charge | Receipt · Minimum interest chargeChecked Nov 1, 2026 Issuer's page · luxurycard.com The source states this figure; we have no exact sentence on file yet. |
Before you apply
- What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
- Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
Questions
- What is the annual fee?
- $1199 ($349 for each Authorized User added to the account) · luxurycard.com, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- Yes: 0% of each transaction in U.S. dollars.. · luxurycard.com, since Sep 29, 2026
- What is the purchase APR?
- 19.74–27.74% APR · luxurycard.com, since Oct 1, 2026