0% interest credit cards offer a valuable financial tool, particularly when it comes to managing existing debt or making substantial purchases. The 0% introductory interest rate provides a window where you can borrow money without incurring additional interest or fees, given you meet the minimum monthly payment requirements. This strategic approach allows individuals to address their financial needs more effectively, offering a temporary period of relief from the typical costs associated with borrowing money.

Check out the following credit cards offering 0% APR, sorted by the length of introductory periods.

0% Interest for 21 Months

Credit Card		0% Introductory Interest	Annual Fee
	Citi® Diamond Preferred® Card	0% on purchases for 12 months and on balance transfers for 21 months. After the intro period ends, the go-to rate of 16.49% - 27.24% (variable) applies. (rates & fees)	$0

0% Interest for 18 Months

Credit Card		0% Introductory Interest	Annual Fee
	Citi Double Cash® Card	0% on balance transfers for 18 months. After the intro period ends, the go-to rate of 17.49% - 27.49% (variable) applies. (rates & fees)	$0

0% Interest for 15 Months

Credit Card		0% Introductory Interest	Annual Fee
	Citi Strata℠ Card	0% on purchases and balance transfers for 15 months. After the intro period ends, the go-to rate of 18.49% - 28.49% (variable) applies. (rates & fees)	$0
	Blue Cash Everyday® Card from American Express	0% on purchases and balance transfers for 15 months. After the intro period ends, the go-to rate of 19.49% - 28.49% variable applies. (rates & fees)	$0
	Chase Freedom Unlimited®	0% on purchases and balance transfers for 15 months (rates & fees)	$0

0% Interest for 12 Months

Credit Card		0% Introductory Interest	Annual Fee
	Blue Cash Preferred® Card from American Express	0% on purchases for 12 months. After the intro period ends, the go-to rate of 19.49% - 28.49% variable applies. (rates & fees)	$0 intro annual fee for the first year, then $95.

Small Business Cards with 0% Interest for 12 Months

Credit Card		0% Introductory Interest	Annual Fee
	The American Express Blue Business Cash™ Card	0% on purchases for 12 months from date of account opening. After the intro period ends, the go-to rate of 16.74% - 26.74% variable applies. (rates & fees)	$0
	The Blue Business® Plus Credit Card from American Express	0% on purchases for 12 months from date of account opening. After the intro period ends, the go-to rate of 16.74% - 26.74% variable applies. (rates & fees)	$0

The post Best 0% APR Credit Cards of 2025 appeared first on CardBenefit.

You rely on a cell phone to stay connected with people in your life. Sometimes your phone may be damaged or stolen. Fortunately, you may use a credit card to protect against potential theft or damage. A few credit cards, such as those issued by Wells Fargo, offer cardholders complimentary Cellular Telephone Protection to provide coverage against cell-phone theft or damage. All you need to do is just paying cell phone bill with your covered credit card each month. Then you will be reimbursed up to the allowable limit for damage to, theft of or an involuntary and accidental parting of your eligible cell phone.

Credit cards with complimentary Cellular Telephone Protection

Which credit cards offer complimentary Cellular Telephone Protection as one of the benefits? Here is the list of credit cards that provide this benefit.

Credit Cards that offer Cell Phone Protection

Credit Card		Cell Phone Protection	Annual Fee
	Mastercard® Gold Card™	Up to $800 protection on your cell phone (subject to $50 deductible) maximum of $1,000 on 2 paid claims per 12-month period	$1,199 ($349 for each authorized user added to the account)
	Mastercard® Black Card®	Up to $800 protection on your cell phone (subject to $50 deductible) maximum of $1,000 on 2 paid claims per 12-month period	$699 ($249 for each authorized user added to the account)
	Mastercard® Titanium Card®	Up to $800 protection on your cell phone (subject to $50 deductible) maximum of $1,000 on 2 paid claims per 12-month period	$299 ($149 for each authorized user added to the account)

How does Cellular Telephone Protection work

You don’t need to enroll for the benefit of Cellular Telephone Protection. If you pay your wireless phone bill with one of the above covered credit cards, you are eligible for this Protection. Coverage begins the first day of the calendar month after you make a payment. Then if your cell phone is stolen or damaged, you will be eligible for reimbursement of the amount up to the maximum allowable limit, usually between $600 and $800, subject to a deductible of as low as $25. Cell phones that have been rented, borrowed, prepaid phones and lost phones are not covered by this Protection. If you have other insurance that applies, such as homeowner’s or employers’ insurance policies, this Protection is supplemental and applies only to the extent the other insurance does not cover.

What to do if your cell phone is stolen or damaged

You need to contact the customer services of your covered credit card to provide some preliminary claim information and to request an appropriate claim form. Phone number of the customer services can be found on the back of your card. Keep in mind, if your cell phone is stolen, you must first file a police report within 48 hours of becoming aware of the theft. To file a claim, you typically need to notify your credit-card company within 60 days and submit your completed claim form and supporting documentation within 90 days of the theft or damage.

What paperwork to submit with your claim

In addition to the claim form, you may need to provide the following supporting documentation:

• Your cellular wireless billing statement showing you paid the prior month’s cell phone bill with your covered card
• If the claim is due to theft or criminal action, a police report filed within 48 hours of the event.
• A copy of the device summary page from your cellular wireless phone bill or other sufficient proof of the claimed cell phone model linked to your cell phone account repair estimate or replacement receipt.

Conclusion

Cell phones have become an essential tool in our lives. Losing a cell phone to theft or using a phone with cracked screen is painful. Fortunately, a number of credit cards provide Cell Phone Protection benefit. It is a very nice credit-card perk that may save a few hundred dollars a year.

The post Cellular Telephone Protection by Credit Cards appeared first on CardBenefit.

Apply Now

Card Issuer

Barclays

Network

Mastercard

Card Category

Rewards, Travel

Required Credit

Excellent

Rate this card:  

Apply Now

Mastercard^® Gold Card™

• Redeem at 2% value for airfare and 2% for cash back. Just 50,000 points will get you a $1,000 ticket on any airline or $1000 cash back, issued as a direct deposit statement credit.
• Earn 2X points on Airfare and Hotel reservations booked through LuxuryCardTravel.com. One point for every one dollar you spend for all other categories, earning points every time you spend.
• $300 Annual Airline Credit: Receive up to $300 in annual air travel credits toward flight-related purchases, including airline tickets, baggage fees, upgrades and more.
• $200 Annual Dining Credit: Get up to $200 in annual statement credits when you use your Luxury Card at qualifying restaurants.
• $200 Ship&Play Credit: Send your belongings ahead of time with Ship&Play and receive up to $200 in credits annually.
• Receive up to $120 reimbursment credit for a Global Entry or TSA PreCheck^® application for each Mastercard Gold Card Primary Cardmember and Authorized Users.
• 24/7 Luxury Card Concierge^®: Exclusive to Cardmembers. Your busy life never stops, and neither do our Luxury Card Concierge agents. Enjoy around-the-clock lifestyle management and planning support tailored to your specific needs-and designed to save you time. Our personalized one-on-one service delivers solutions, suggestions and even surprises to make every day exceptional. Book the trip. Get the reservations. Score the tickets.
• With your Luxury Card, enjoy complimentary access to over 1,700 airport lounges and travel experiences in more than 600 cities across 145 countries with Priority Pass™ Select. Access includes unlimited visits for yourself as well as your guests.
• Made with 24K Gold^®: Beautifully crafted and exceptionally premium, Luxury Card is a statement piece designed to stand out in the most refined way. Weighing in at an impressive 22 grams, its contactless patented card design and metal construction raises the standard. Carry a card with distinction.
• 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. Receive 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: $1,199 ($349 for each Authorized User). Terms and conditions apply.
• Read our review on Mastercard^® Gold Card™

Intro APR

0% on Balance Transfers made in the first 45 days

Intro APR Period

15 billing cycles

Regular APR

19.49% - 27.49% Variable, based on your creditworthiness and other factors

Annual Fee

$1,199 ($349 for each Authorized User added to the account)

Citi Strata Premier^® Card

Chase Sapphire Preferred^® Card

Citi Strata^℠ Card

United^℠ Business Card

The Business Platinum Card^® from American Express

Hilton Honors American Express Card

Delta SkyMiles^® Gold Business American Express Card

IHG One Rewards Traveler Credit Card

Delta SkyMiles^® Platinum Business American Express Card

Marriott Bonvoy Business^® American Express^® Card

American Express Platinum Card^®

IHG One Rewards Premier Credit Card

Hilton Honors American Express Surpass^® Card

Delta SkyMiles^® Reserve Business American Express Card

Delta SkyMiles^® Blue American Express Card

Delta SkyMiles^® Gold American Express Card

American Express^® Business Gold Card

The Hilton Honors American Express Business Card

IHG One Rewards Premier Business Credit Card

British Airways Visa Signature^® Card

Chase Sapphire Reserve^®

Mastercard^® Titanium Card^®

Mastercard^® Black Card^®

First Tech Odyssey Rewards™ World Elite Mastercard^®

Citi^® / AAdvantage^® Platinum Select^® World Elite Mastercard^®

Business Green Rewards Card from American Express

Sapphire Reserve for Business^℠

Delta SkyMiles^® Platinum American Express Card

Delta SkyMiles^® Reserve American Express Card

American Express^® Gold Card

Citi^® / AAdvantage^® Executive World Elite Mastercard^®

Hilton Honors American Express Aspire Card

American Airlines AAdvantage^® MileUp^® Card

Marriott Bonvoy Brilliant^® American Express^® Card

Citi^® / AAdvantage^® Globe™ Mastercard^®

Marriott Bonvoy Bevy^® American Express^® Card

Citi^® / AAdvantage Business™ World Elite Mastercard^®

Citi Strata Elite^℠ Card

Graphite™ Business Cash Unlimited Card

The post Mastercard® Gold Card™ appeared first on CardBenefit.

Apply Now

Card Issuer

Barclays

Network

Mastercard

Card Category

Rewards, Travel

Required Credit

Excellent

Rate this card:  

Apply Now

Mastercard^® Black Card^®

• Redeem at 2% value for airfare and 1.5% for cash back. Just 50,000 points will get you a $1,000 ticket on any airline or $750 cash back, issued as a direct deposit statement credit.
• Earn 2X points on Airfare and Hotel reservations booked through LuxuryCardTravel.com. One point for every one dollar you spend for all other categories, earning points every time you spend.
• $200 Annual Airline Credit: Receive up to $200 in annual air travel credits toward flight-related purchases, including airline tickets, baggage fees, upgrades and more.
• $100 Annual Dining Credit: Get up to $100 in annual statement credits when you use your Luxury Card at qualifying restaurants.
• Receive up to $120 reimbursment credit for a Global Entry or TSA PreCheck^® application fee. Global Entry includes access to TSA PreCheck^® with no additional application or fee required.
• 24/7 Luxury Card Concierge^®: Exclusive to Cardmembers. Your busy life never stops, and neither do our Luxury Card Concierge agents. Enjoy around-the-clock lifestyle management and planning support tailored to your specific needs-and designed to save you time. Our personalized one-on-one service delivers solutions, suggestions and even surprises to make every day exceptional. Book the trip. Get the reservations. Score the tickets.
• With your Luxury Card, enjoy complimentary access to over 1,700 airport lounges and travel experiences in more than 600 cities across 145 countries with Priority Pass™ Select. Access includes unlimited visits for yourself as well as your guests.
• Black-PVD-Coated Metal Card and Made of Stainless Steel^®: Beautifully crafted and exceptionally premium, Luxury Card is a statement piece designed to stand out in the most refined way. Weighing in at an impressive 22 grams, its stainless steel, contactless patented card design and metal construction raises the standard. Carry a card with distinction.
• 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. Receive 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: $699 ($249 for each Authorized User). Terms and conditions apply.

Intro APR

0% on Balance Transfers made in the first 45 days

Intro APR Period

15 billing cycles

Regular APR

19.49% - 27.49% Variable, based on your creditworthiness and other factors

Annual Fee

$699 ($249 for each Authorized User added to the account)

Citi Strata Premier^® Card

Chase Sapphire Preferred^® Card

Citi Strata^℠ Card

United^℠ Business Card

The Business Platinum Card^® from American Express

Hilton Honors American Express Card

Delta SkyMiles^® Gold Business American Express Card

IHG One Rewards Traveler Credit Card

Delta SkyMiles^® Platinum Business American Express Card

Marriott Bonvoy Business^® American Express^® Card

American Express Platinum Card^®

IHG One Rewards Premier Credit Card

Hilton Honors American Express Surpass^® Card

Delta SkyMiles^® Reserve Business American Express Card

Delta SkyMiles^® Blue American Express Card

Delta SkyMiles^® Gold American Express Card

American Express^® Business Gold Card

The Hilton Honors American Express Business Card

IHG One Rewards Premier Business Credit Card

British Airways Visa Signature^® Card

Chase Sapphire Reserve^®

Mastercard^® Gold Card™

Mastercard^® Titanium Card^®

First Tech Odyssey Rewards™ World Elite Mastercard^®

Citi^® / AAdvantage^® Platinum Select^® World Elite Mastercard^®

Business Green Rewards Card from American Express

Sapphire Reserve for Business^℠

Delta SkyMiles^® Platinum American Express Card

Delta SkyMiles^® Reserve American Express Card

American Express^® Gold Card

Citi^® / AAdvantage^® Executive World Elite Mastercard^®

Hilton Honors American Express Aspire Card

American Airlines AAdvantage^® MileUp^® Card

Marriott Bonvoy Brilliant^® American Express^® Card

Citi^® / AAdvantage^® Globe™ Mastercard^®

Marriott Bonvoy Bevy^® American Express^® Card

Citi^® / AAdvantage Business™ World Elite Mastercard^®

Citi Strata Elite^℠ Card

Graphite™ Business Cash Unlimited Card

The post Mastercard® Black Card® appeared first on CardBenefit.

Apply Now

Card Issuer

Barclays

Network

Mastercard

Card Category

Rewards, Travel, Balance Transfer

Required Credit

Excellent

Rate this card:  

Apply Now

Mastercard^® Titanium Card^®

• Redeem at 2% value for airfare and 1% for cash back. Just 50,000 points will get you a $1,000 ticket on any airline or $500 cash back, issued as a direct deposit statement credit.
• Earn 2X points on Airfare and Hotel reservations booked through LuxuryCardTravel.com. One point for every one dollar you spend for all other categories, earning points every time you spend.
• 24/7 Luxury Card Concierge^®: Exclusive to Cardmembers. Your busy life never stops, and neither do our Luxury Card Concierge agents. Enjoy around-the-clock lifestyle management and planning support tailored to your specific needs-and designed to save you time. Our personalized one-on-one service delivers solutions, suggestions and even surprises to make every day exceptional. Book the trip. Get the reservations. Score the tickets.
• With your Luxury Card, enjoy complimentary access to over 1,700 airport lounges and travel experiences in more than 600 cities across 145 countries with Priority Pass™ Select. Access includes unlimited visits for yourself as well as your guests.
• Brushed Metal Card: Beautifully crafted and exceptionally premium, Luxury Card is a statement piece designed to stand out in the most refined way. Weighing in at an impressive 22 grams, its contactless patented card design and metal construction raises the standard. Carry a card with distinction.
• 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. Receive 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: $299 ($149 for each Authorized User). Terms and conditions apply.

Intro APR

0% on Balance Transfers made in the first 45 days

Intro APR Period

15 billing cycles

Regular APR

19.49% - 27.49% Variable, based on your creditworthiness and other factors

Annual Fee

$299 ($149 for each Authorized User added to the account)

Citi Strata Premier^® Card

Citi Double Cash^® Card

Chase Sapphire Preferred^® Card

Citi^® Diamond Preferred^® Card

Citi Strata^℠ Card

United^℠ Business Card

The Business Platinum Card^® from American Express

Hilton Honors American Express Card

Delta SkyMiles^® Gold Business American Express Card

IHG One Rewards Traveler Credit Card

Delta SkyMiles^® Platinum Business American Express Card

Marriott Bonvoy Business^® American Express^® Card

American Express Platinum Card^®

IHG One Rewards Premier Credit Card

Hilton Honors American Express Surpass^® Card

Delta SkyMiles^® Reserve Business American Express Card

Delta SkyMiles^® Blue American Express Card

Delta SkyMiles^® Gold American Express Card

American Express^® Business Gold Card

The Hilton Honors American Express Business Card

IHG One Rewards Premier Business Credit Card

British Airways Visa Signature^® Card

Chase Sapphire Reserve^®

Mastercard^® Gold Card™

Mastercard^® Black Card^®

First Tech Odyssey Rewards™ World Elite Mastercard^®

Citi^® / AAdvantage^® Platinum Select^® World Elite Mastercard^®

Business Green Rewards Card from American Express

Sapphire Reserve for Business^℠

Delta SkyMiles^® Platinum American Express Card

Delta SkyMiles^® Reserve American Express Card

American Express^® Gold Card

Citi^® / AAdvantage^® Executive World Elite Mastercard^®

Hilton Honors American Express Aspire Card

American Airlines AAdvantage^® MileUp^® Card

Marriott Bonvoy Brilliant^® American Express^® Card

Citi^® / AAdvantage^® Globe™ Mastercard^®

Marriott Bonvoy Bevy^® American Express^® Card

Citi^® / AAdvantage Business™ World Elite Mastercard^®

Citi Strata Elite^℠ Card

Graphite™ Business Cash Unlimited Card

The post Mastercard® Titanium Card® appeared first on CardBenefit.

Priority Pass has been a leading airport lounge access program since 1992, providing travelers with access to airport VIP lounges around the world, regardless of the class of travel or airline flown. With over 1,200 airport lounges across 500 cities in over 140 countries worldwide, Priority Pass grants access to the largest network of airport lounges in the world. Frequent flyers, either on business travel or on family vacations, can enjoy a place to relax with complimentary refreshments. Most international lounges offer showers, email, internet and conference space.

Priority Pass sells three classes of memberships directly from its website, including Standard, Standard Plus, and Prestige. Each class of membership provides varying levels of access. A fourth class of membership, Priority Pass Select, is specially designed for customers who receive their Priority Pass membership through premium credit cards. The benefits of Priority Pass Select for different credit cards vary in terms of fees or access. Among all credit cards that include Priority Pass Select as a perk for customers, Chase Sapphire Reserve^® and Marriott Bonvoy Brilliant^® American Express^® Card offer the best package of benefits, which give cardholders and their travel companions unlimited access to participating Priority Pass lounges for free.

Participating Airport Lounges

Whether you travel infrequently or are a seasoned, regular traveler, Priority Pass can ensure that your journey always begins stress free at one of 1,200+ participating airport lounges worldwide. The following is a list of select airports in the United States and Canada with participating VIP lounges in the Priority Pass program. For a complete list of participating lounges, visit prioritypass.com.

Major U.S. Airports with VIP Lounges Participating in the Priority Pass Select Program
Anchorage Airport (Alaska)	Atlanta Airport (Georgia )	Baltimore / Washington Airport (Maryland)	Boston Logan Airport (Massachusetts)	Charlotte Douglas Airport (North Carolina)
Chicago O’Hare Airport (Illinois)	Cincinnati Airport (Ohio)	Cleveland Hopkins Airport (Ohio)	Colorado Springs Airport (Colorado)	Dallas DFW Airport (Texas)
Denver Airport (Colorado)	Detroit Metropolitan Wayne County Airport (Michigan)	Fort Lauderdale Airport (Florida)	Greenville-Spartanburg Airport (South Carolina)	Honolulu Airport (Hawaii)
Houston George Bush Intercontinental Airport (Texas)	Indianapolis Airport (Indiana)	Las Vegas Airport (Nevada)	Lexington Blue Grass Airport (Kentucky)	Los Angeles LAX Airport (California)
Miami Airport (Florida)	Minneapolis / St. Paul Airport (Minnesota)	Newark Airport (New Jersey)	New York JFK Airport (New York)	Orlando Airport (Florida)
Orlando Sanford Airport (Florida)	Philadelphia Airport (Pennsylvania)	Pittsburgh Airport (Pennsylvania)	Portland Airport (Oregon)	San Francisco Airport (California)
San Jose Mineta Airport (California)	Seattle Sea-Tac Airport (Washington)	St Louis Lambert Airport (Missouri)	Syracuse Hancock Airport (New York)	Tampa Airport (Florida)
Tucson Airport (Arizona)	Washington DC Dulles International Airport (District of Columbia)	Washington DC Ronald Reagan National Airport (District of Columbia)

Major Airports in Canada with VIP Lounges Participating in the Priority Pass Select Program
Edmonton Airport (Alberta)	Montreal Pierre E. Trudeau Airport (Quebec)	Quebec Jean Lesage Airport (Quebec)	Toronto Lester B. Pearson Airport (Ontario)	Vancouver Airport (British Columbia)
Winnipeg J.A. Richardson Airport (Manitoba)	Calgary Airport (Alberta)

Complimentary Priority Pass Select Membership by Luxury Card

If you are a cardholder of Mastercard^® Gold Card™ or Mastercard^® Black Card^®, you will automatically receive a complimentary Priority Pass Select membership card within 7–14 business days after your credit card is opened. Priority Pass Select is a prestigious membership program for travelers to visit airport VIP lounges to relax and enjoy free food, snacks, and WIFI while waiting for flights. The complimentary Priority Pass Select membership allows you and your travel companions to enjoy unlimited visits to participating airport lounges worldwide.

Credit Cards	Purchase APR	Transfer Info	Annual Fee	Credit Level
Mastercard® Gold Card™  Hide Benefits Show Benefits	19.49% - 27.49% Variable, based on your creditworthiness and other factors APR	0% intro APR for 15 billing cycles 19.49% - 27.49% Variable, based on your creditworthiness and other factors APR after that	$1,199 ($349 for each Authorized User added to the account)	ExcellentApply NowView Card Details
Redeem at 2% value for airfare and 2% for cash back. Just 50,000 points will get you a $1,000 ticket on any airline or $1000 cash back, issued as a direct deposit statement credit. Earn 2X points on Airfare and Hotel reservations booked through LuxuryCardTravel.com. One point for every one dollar you spend for all other categories, earning points every time you spend. $300 Annual Airline Credit: Receive up to $300 in annual air travel credits toward flight-related purchases, including airline tickets, baggage fees, upgrades and more. $200 Annual Dining Credit: Get up to $200 in annual statement credits when you use your Luxury Card at qualifying restaurants. $200 Ship&Play Credit: Send your belongings ahead of time with Ship&Play and receive up to $200 in credits annually. Receive up to $120 reimbursment credit for a Global Entry or TSA PreCheck® application for each Mastercard Gold Card Primary Cardmember and Authorized Users. 24/7 Luxury Card Concierge®: Exclusive to Cardmembers. Your busy life never stops, and neither do our Luxury Card Concierge agents. Enjoy around-the-clock lifestyle management and planning support tailored to your specific needs-and designed to save you time. Our personalized one-on-one service delivers solutions, suggestions and even surprises to make every day exceptional. Book the trip. Get the reservations. Score the tickets. With your Luxury Card, enjoy complimentary access to over 1,700 airport lounges and travel experiences in more than 600 cities across 145 countries with Priority Pass™ Select. Access includes unlimited visits for yourself as well as your guests. Made with 24K Gold®: Beautifully crafted and exceptionally premium, Luxury Card is a statement piece designed to stand out in the most refined way. Weighing in at an impressive 22 grams, its contactless patented card design and metal construction raises the standard. Carry a card with distinction. 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. Receive 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: $1,199 ($349 for each Authorized User). Terms and conditions apply.
Mastercard® Black Card®  Hide Benefits Show Benefits	19.49% - 27.49% Variable, based on your creditworthiness and other factors APR	0% intro APR for 15 billing cycles 19.49% - 27.49% Variable, based on your creditworthiness and other factors APR after that	$699 ($249 for each Authorized User added to the account)	ExcellentApply NowView Card Details
Redeem at 2% value for airfare and 1.5% for cash back. Just 50,000 points will get you a $1,000 ticket on any airline or $750 cash back, issued as a direct deposit statement credit. Earn 2X points on Airfare and Hotel reservations booked through LuxuryCardTravel.com. One point for every one dollar you spend for all other categories, earning points every time you spend. $200 Annual Airline Credit: Receive up to $200 in annual air travel credits toward flight-related purchases, including airline tickets, baggage fees, upgrades and more. $100 Annual Dining Credit: Get up to $100 in annual statement credits when you use your Luxury Card at qualifying restaurants. Receive up to $120 reimbursment credit for a Global Entry or TSA PreCheck® application fee. Global Entry includes access to TSA PreCheck® with no additional application or fee required. 24/7 Luxury Card Concierge®: Exclusive to Cardmembers. Your busy life never stops, and neither do our Luxury Card Concierge agents. Enjoy around-the-clock lifestyle management and planning support tailored to your specific needs-and designed to save you time. Our personalized one-on-one service delivers solutions, suggestions and even surprises to make every day exceptional. Book the trip. Get the reservations. Score the tickets. With your Luxury Card, enjoy complimentary access to over 1,700 airport lounges and travel experiences in more than 600 cities across 145 countries with Priority Pass™ Select. Access includes unlimited visits for yourself as well as your guests. Black-PVD-Coated Metal Card and Made of Stainless Steel®: Beautifully crafted and exceptionally premium, Luxury Card is a statement piece designed to stand out in the most refined way. Weighing in at an impressive 22 grams, its stainless steel, contactless patented card design and metal construction raises the standard. Carry a card with distinction. 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. Receive 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: $699 ($249 for each Authorized User). Terms and conditions apply.

Mastercard® Gold Card™

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• Redeem at 2% value for airfare and 2% for cash back. Just 50,000 points will get you a $1,000 ticket on any airline or $1000 cash back, issued as a direct deposit statement credit.
• Earn 2X points on Airfare and Hotel reservations booked through LuxuryCardTravel.com. One point for every one dollar you spend for all other categories, earning points every time you spend.

• $300 Annual Airline Credit: Receive up to $300 in annual air travel credits toward flight-related purchases, including airline tickets, baggage fees, upgrades and more.
• $200 Annual Dining Credit: Get up to $200 in annual statement credits when you use your Luxury Card at qualifying restaurants.
• $200 Ship&Play Credit: Send your belongings ahead of time with Ship&Play and receive up to $200 in credits annually.
• Receive up to $120 reimbursment credit for a Global Entry or TSA PreCheck^® application for each Mastercard Gold Card Primary Cardmember and Authorized Users.
• 24/7 Luxury Card Concierge^®: Exclusive to Cardmembers. Your busy life never stops, and neither do our Luxury Card Concierge agents. Enjoy around-the-clock lifestyle management and planning support tailored to your specific needs-and designed to save you time. Our personalized one-on-one service delivers solutions, suggestions and even surprises to make every day exceptional. Book the trip. Get the reservations. Score the tickets.
• With your Luxury Card, enjoy complimentary access to over 1,700 airport lounges and travel experiences in more than 600 cities across 145 countries with Priority Pass™ Select. Access includes unlimited visits for yourself as well as your guests.
• Made with 24K Gold^®: Beautifully crafted and exceptionally premium, Luxury Card is a statement piece designed to stand out in the most refined way. Weighing in at an impressive 22 grams, its contactless patented card design and metal construction raises the standard. Carry a card with distinction.
• 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. Receive 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: $1,199 ($349 for each Authorized User). Terms and conditions apply.

Show More »

Mastercard® Black Card®

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• Redeem at 2% value for airfare and 1.5% for cash back. Just 50,000 points will get you a $1,000 ticket on any airline or $750 cash back, issued as a direct deposit statement credit.
• Earn 2X points on Airfare and Hotel reservations booked through LuxuryCardTravel.com. One point for every one dollar you spend for all other categories, earning points every time you spend.

• $200 Annual Airline Credit: Receive up to $200 in annual air travel credits toward flight-related purchases, including airline tickets, baggage fees, upgrades and more.
• $100 Annual Dining Credit: Get up to $100 in annual statement credits when you use your Luxury Card at qualifying restaurants.
• Receive up to $120 reimbursment credit for a Global Entry or TSA PreCheck^® application fee. Global Entry includes access to TSA PreCheck^® with no additional application or fee required.
• 24/7 Luxury Card Concierge^®: Exclusive to Cardmembers. Your busy life never stops, and neither do our Luxury Card Concierge agents. Enjoy around-the-clock lifestyle management and planning support tailored to your specific needs-and designed to save you time. Our personalized one-on-one service delivers solutions, suggestions and even surprises to make every day exceptional. Book the trip. Get the reservations. Score the tickets.
• With your Luxury Card, enjoy complimentary access to over 1,700 airport lounges and travel experiences in more than 600 cities across 145 countries with Priority Pass™ Select. Access includes unlimited visits for yourself as well as your guests.
• Black-PVD-Coated Metal Card and Made of Stainless Steel^®: Beautifully crafted and exceptionally premium, Luxury Card is a statement piece designed to stand out in the most refined way. Weighing in at an impressive 22 grams, its stainless steel, contactless patented card design and metal construction raises the standard. Carry a card with distinction.
• 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. Receive 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: $699 ($249 for each Authorized User). Terms and conditions apply.

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Priority Pass Select by Luxury Card Stacks Up Against Competition

A few high-end travel credit cards provide complimentary Priority Pass Select membership. Benefits depend on the affiliated credit cards and are actually not identical. Some memberships have restrictions on guests and lounge visits. Priority Pass Select by Luxury Card has the most compelling package of rich benefits for frequent travelers. The following table is the comparison of Priority Pass Select by market-leading premium travel cards.

Priority Pass Select is a special type of membership that some premium travel credit cards offer through the Priority Pass network. Each credit card issuer has its own agreement with PriorityPass. Consequently, Priority Pass Select memberships are not the same for different cards in terms of benefits. Priority Pass Select by Luxury Card has the best value because it gives members unlimited free visits to lounges for themselves and their guests, including any family members and friends on the same travel itinerary. Luxury Card differentiates itself from the other credit cards with Priority Pass that have limited guests, limited lounge visits, or both.

Whether you are a business traveler or an avid vacationer, having unlimited lounge access to VIP airport lounges will be a real treat when you and your companions can enjoy a light meal, sip wine, and relax in comfortable chairs in an exclusive club. Luxury Card offers its cardholders of Mastercard Gold Card or Mastercard Black Card the utmost pleasant experience in airport layovers through its Priority Pass Select program.

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If you are looking for a credit card that is more than just amassing points, you should consider Mastercard^® Gold Card™, a premium credit card with unmatched benefits and luxury perks. Plated with 24-karat gold, the Mastercard^® Gold Card™ is a very stylish metal credit card. It is a symbol of elite status. It comes with a steep annual fee, but it offers exclusive value that caters to successful business owners and professionals, such as 24/7 concierge services, rich rewards, and all-around exceptional benefits.

Card Benefits

Earn Rewards

You will earn rewards points on every purchase with your Mastercard^® Gold Card™ and your points can be redeemed for cash back worth 2% in value. You will earn one point for every one dollar spent. When you redeem points for cash back, you will receive $2 for each point. For example, if you spend $10,000 on purchases, you will earn 10,000 rewards points, redeemable for a $200 bank deposit or statement credit, which is a 2% return of the original $10,000 you spend. Cash back redemption starts at 50 points for $1. There is no limit to the total rewards points you can earn and your points do not expire as long as your account is active.

In addition to cash back redemption, you may opt to redeem points for travel, gift cards or merchandise. To redeem points for travel, such as airfare, hotel and car rentals, you may either book your travel plans online through Loyalty Edge on myluxurycard.com or call the Luxury Card Rewards at (844) 724-2500. You points can be redeemed for airfare worth 2% in value. For example, 10,000 points equates to $200 in airfare redemption. When redeeming for hotel and car rentals, your points are redeemed at a rate of 1%, for example, 10,000 points for $100. When redeeming for gift cards, redemption usually starts at 2,500 points for $25 gift cards, which is at a rate of 1%.

It is best to redeem rewards points for cash back direct deposit into a U.S. bank account or statement credit, because you receive the highest return in value. Although airfare redemption is at the same rate of 2% as cash redemption, cash rewards is always the most convenient and universal form of remuneration. For small business owners who spend thousands of dollars on purchases each month, this credit card can help racking up cash rewards quickly. For example, if you spend $20,000 per month, you will receive $400 cash back each month and $4,800 in cash rewards each year.

$300 Annual Airline Credit

You will receive statement credits of up to $300 each year when you use the card to pay for qualifying airline purchases, such as airfare, baggage fees, lounge access, and in-flight purchases (for example, drinks, refreshments and WIFI access). This is an annual benefit of $300 each calendar year (January 1st through December 31st). The transaction dates of eligible purchases will be used to determine the applicable calendar year. The travel credit will be automatically applied to your card statement. It may take up to two weeks for statement credits to be posted to your account after qualifying airline purchases are made.

$120 Global Entry Application Fee Credit

You will receive a statement credit of $120 when you use the card to pay for the application fee of Global Entry, a travel program administered by US Customs and Border Protection (CBP). Global Entry membership allows international travelers expedited entry upon arrival in the United States. Once approved, Global Entry members can use automated kiosks in most major U.S. airports, rather than having to go through the traditional arrival process. Global Entry membership also includes free access to the TSA Pre✓ program, which provides expedited security screening benefits for flights departing from U.S. airports. Please allow 2-3 weeks for the $120 credit to appear on your statement after you apply for Global Entry.

Global Entry can save travelers 20 to 30 minutes in most airports. Sometimes crowded lines at US customs or airport security check points may cause travelers to miss flights or connections. Global Entry membership helps travelers avoid unnecessary hassle of rescheduling flights in those stressful situations. Global Entry expires 5 years after your next birthday following the date you are approved for the membership. Depending on your approval date and date of birth, your Global Entry membership will be valid for at least 5 years, and sometimes it might be valid for almost 6 years after the approval.

Priority Pass Select Benefits

You will automatically receive a complimentary Priority Pass Select membership card within 7–14 business days after your Mastercard^® Gold Card™ is opened. Priority Pass Select is a prestigious membership program for travelers to visit airport VIP lounges to relax and enjoy free food, snacks, and WIFI while waiting for flights. The complimentary Priority Pass Select membership provided by Mastercard^® Gold Card™ allows you and your travel companions to enjoy unlimited visits to over 1,200 participating airport lounges worldwide. Whether you are a business traveler or an avid vacationer, having unlimited lounge access to VIP airport lounges will be a pleasant experience when you and your companions can enjoy a light meal, sip wine, and relax in comfortable chairs in an exclusive club. Your Priority Pass Select membership card will be automatically renewed annually if your account is in good standing.

Priority Pass sells three classes of memberships directly from its website, including Standard, Standard Plus, and Prestige. Among the three memberships, Priority Pass Prestige offers highest level of access, which grants members unlimited access to lounges and allows accompanying guests to visit lounges at a discounted fee of $32 per visit. Priority Pass Select is a fourth class of membership, specially designed for customers who receive their Priority Pass membership through premium travel credit cards. A Priority Pass Select membership with Mastercard^® Gold Card™ is more compelling than the Priority Pass Prestige membership, which costs $429 annually, because all your guests, including family members or friends on the same itinerary, can visit lounges for free. With the Mastercard^® Gold Card™, it is an instant savings of more than $429 in value annually.

Visit prioritypass.com for a complete list of participating lounges. The following is a list of select airports in the United States and Canada with VIP lounges participating in the Priority Pass Select network.

Major U.S. Airports with VIP Lounges Participating in the Priority Pass Select Program
Anchorage Airport (Alaska)	Atlanta Airport (Georgia )	Baltimore / Washington Airport (Maryland)	Boston Logan Airport (Massachusetts)	Charlotte Douglas Airport (North Carolina)
Chicago O’Hare Airport (Illinois)	Cincinnati Airport (Ohio)	Cleveland Hopkins Airport (Ohio)	Colorado Springs Airport (Colorado)	Dallas DFW Airport (Texas)
Denver Airport (Colorado)	Detroit Metropolitan Wayne County Airport (Michigan)	Fort Lauderdale Airport (Florida)	Greenville-Spartanburg Airport (South Carolina)	Honolulu Airport (Hawaii)
Houston George Bush Intercontinental Airport (Texas)	Indianapolis Airport (Indiana)	Las Vegas Airport (Nevada)	Lexington Blue Grass Airport (Kentucky)	Los Angeles LAX Airport (California)
Miami Airport (Florida)	Minneapolis / St. Paul Airport (Minnesota)	Newark Airport (New Jersey)	New York JFK Airport (New York)	Orlando Airport (Florida)
Orlando Sanford Airport (Florida)	Philadelphia Airport (Pennsylvania)	Pittsburgh Airport (Pennsylvania)	Portland Airport (Oregon)	San Francisco Airport (California)
San Jose Mineta Airport (California)	Seattle Sea-Tac Airport (Washington)	St Louis Lambert Airport (Missouri)	Syracuse Hancock Airport (New York)	Tampa Airport (Florida)
Tucson Airport (Arizona)	Washington DC Dulles International Airport (District of Columbia)	Washington DC Ronald Reagan National Airport (District of Columbia)

Major Airports in Canada with VIP Lounges Participating in the Priority Pass Select Program
Edmonton Airport (Alberta)	Montreal Pierre E. Trudeau Airport (Quebec)	Quebec Jean Lesage Airport (Quebec)	Toronto Lester B. Pearson Airport (Ontario)	Vancouver Airport (British Columbia)
Winnipeg J.A. Richardson Airport (Manitoba)	Calgary Airport (Alberta)

24/7 Luxury Card Concierge^®

Luxury Card Concierge transcends concierge services offered by other credit cards. Its comprehensive and complimentary resource is a one-of-a-kind benefit that offers immeasurable value to cardholders of Mastercard^® Gold Card™. It is available 24/7 and concierge agents can assist with any and all requests. Cardmembers can choose to communicate via phone, email or live mobile chat using Luxury Card App. Luxury Card Concierge is not limited to just making travel arrangements; concierge agents can get tickets to special events or concerts, conduct general research, book large groups, source specialty gifts and make international reservations. This service is free to use and there is no charge for booking, unlike the competition.

Here are some success stories of how cardholders used Luxury Card Concierge^®:

• Cardmember requested information on the type of shoes worn by Will Smith and Tommy Lee Jones in the Men in Black films. Within
  24 hours, Luxury Card Concierge provided the type of shoes and a listing of local retailers that carried them.
• A Cardmember, invited to Guy Fieri’s birthday party, did not have time to get a birthday gift before flying in the day of the party. The
  Concierge was able to arrange to have a limited-batch bottle of whisky from a local distillery delivered to the Cardmember’s hotel
  room just in time to bring to the party.
• The Concierge was able to arrange a private “meet & greet” after a game with Boston Bruins player Patrice Bergeron, the
  Cardmember’s all-time favorite player.
• A Cardmember wanted to propose to his girlfriend using the JumboTron in New York City’s Times Square. He called Luxury Card
  Concierge, who was able to accommodate his request within two hours.
• A Cardmember, his wife and their 3-year-old son were moving from Kansas City to Denver. Given that their son was going to start
  school in two years, the Cardmember asked the Concierge to research the best school districts in the city, which helped them narrow
  the search for a new home.
• A Luxury Card member was devastated when he left his cash and jewelry in a hotel while in Japan for business. The Concierge
  arranged for someone to go to the hotel, pick them up, and had the valuables securely sent to the Cardmember’s home.
• A Cardmember was standing in a theme park ticket line with five little girls and wanted a way to get into the park quicker than the
  anticipated 90 minutes. He called Luxury Card Concierge, who went online and purchased tickets for the group. The Cardmember then
  moved over to the Will Call line, which was much shorter, and was able to get into the park much more quickly.

Luxury Card Hotel & Travel Program

Available exclusively to cardholders, Luxury Card’s annual Hotel & Travel Program provides both inspiration and benefits based on where affluent tourists travel and stay. Luxury Card offers competitive rates and complimentary benefits with an average total value of $500 per stay at over 3,000 properties around the world. You can enjoy amenities such as room upgrades, complimentary food and beverage, spa credits and more when you book with Luxury Card Travel.

Patented Metal Card Design

Metal credit cards continue to grow in popularity, and the Mastercard^® Gold Card™ surpasses the competition. A stainless credit card plated with 24-karat gold, the Mastercard^® Gold Card™ has a unique design that is an inspiration of distinguished class.

Fees and Introductory APR

This credit card has no foreign transaction fees, making the Mastercard^® Gold Card™ perfect for those who travel outside of the United States. There is an annual fee of $1,199, which makes the card exclusive to own. But with the all the above benefits, it is an excellent high-end credit card for wealthy individuals who value services and time more than just points.

As an added bonus, new members pay zero interest on qualifying balance transfers for the first 15 billing cycles which is great if you plan on transferring a high-interest balance to the card. After the introductory period ends, the go-to rate of 19.49% - 27.49% Variable, based on your creditworthiness and other factors applies.

Required Credit Rating

The Mastercard^® Gold Card™ is for people with good or excellent credit rating. If your credit score is close to or above 700, you may be qualified for the credit card. Terms and conditions apply.

Is this the right card for you?

If you value services and like hassle-free travel benefits such as top-rated concierge services, airline credit and expedited airport access, exclusive access to airport lounges, no foreign transaction fees, the Mastercard^® Gold Card™ is the right card for you. It is one of the best travel credit cards with exclusive benefits available on the market. If you are a big spender and frequent travelers, its rich rewards and travel benefits will outweigh the cost of owning the card.

Similar Premium Credit Cards

If you are interested in the Mastercard^® Gold Card™, you may also consider a few other premium credit cards with similar benefits.

Credit Card		Bonus and Rewards	Annual Fee
	Citi Strata Premier® Card	60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com. 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations. 1 Point per $1 spent on all other purchases	$95 rates & fees
	Chase Sapphire Preferred® Card	75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. Enjoy benefits such as 5x on travel purchased through Chase Travel, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases	$95 rates & fees
	Blue Cash Preferred® Card from American Express	As High As $300 cash back* after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.	$0 intro annual fee for the first year, then $95. rates & fees
	Citi Double Cash® Card	$200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back. 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.	$0 rates & fees
	American Express® Business Gold Card	4X Membership Rewards points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.* Up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.*	$375 rates & fees
	Citi Strata℠ Card	20,000 bonus Points after spending $1,000 in the first 3 months of account opening. 2 ThankYou® Points for each $1 spent at Restaurants; earn 1 ThankYou® Point for each $1 spent on All Other Purchases.	$0 rates & fees

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