Luxury Black or Luxury Gold card: choose the best!

We do not doubt that Luxury Black and Luxury Gold are elegant cards full of luxurious benefits. But which one is best for your lifestyle and purchasing power? This article will help you clarify this doubt.


Luxury Black or Luxury Gold: learn the best option for you

Learn all about these cards. Source: The Mad Capitalist.

How to choose between Luxury Black or Luxury Gold? The Luxury Card is issued by Barclays Bank Delaware and has a Mastercard signature. This company entered the luxury credit cards market with great force, investing heavily in marketing and design. Everything related to these cards conveys the image of exclusivity to a selected audience.

You’ll feel like a member of an exclusive club for high-net individuals. These cards will give you a high status every time you pick it off your wallet to pay your expenses on the best hotels and restaurants. Both cards arrive at your house on a wood box with a beautiful design, just like everything around this card.

Both are travel cards that seek to offer VIP experiences to their members. The Mastercard signature grants special offers too. For frequent travelers, it will grant excellent benefits, either for a business trip or a vacation to the Maldives Islands.

One of these cards can upgrade your status among airlines, hotels, and restaurants. In this review, we’ll show you the pros and cons of each one to help you choose. If you’re curious to know which one you like the most, stay here and check the following information.

luxury black credit card

How do you get the Luxury Black card?

Receive a beautiful wood box with your Luxury Black credit card. This metal card comes full of benefits. Learn how to apply!

luxury gold credit card

How do you get the Luxury Gold credit card?

Your wallet will get heavier with this card, and the Concierge Service can take you to the best trips. Learn how to apply for this golden card.

Luxury Black cardLuxury Gold card
Sign-up bonusNo sign-up bonusNo sign-up bonus
Annual fee$495$995
Rewards1x point per dollar; 2% cashback for airfare; 1,5% for cashback. 1x point per dollar; 2% cashback for airfare and account deposit.
Other perks$100 Annual Airline Credit
$100 Global Entry Application Fee Credit
$500 in benefits and services at selected hotels
$200 Annual Airline Credit
$100 Global Entry Application Fee Credit
$500 in benefits and services at selected hotels
APR14.99%, Variable APR (0% Intro APR for 15 months)14.99% variable APR (0% Intro APR for 15 months)

Luxury Black 

man in elegant suit
This card will match your best outfit. Source: Freepik.

Your wallet will get heavier with this card. First, because it weighs 22g, and will last forever. Secondly, this card will give you its exclusive status. You’ll have preferential boarding, VIP access to airport lounges, and selected cultural and gastronomic events.

Most of its benefits are offered by the Mastercard signature. Insurance against damage and theft of your cell phone and luggage, notable credits to enjoy your stays in selected hotels in style, and travel with your favorite airline.

Also, count on a special treat: the subscription to the exclusive magazine for members Luxury magazine. With this magazine, you’ll get updated on exciting topics, like art, design, technology, wellness, and much more. To top it off, a Concierge service and travel assistance will make your life easier.


  • Robust structure, with a beautiful black-PVD-coated stainless steel front and carbon back. With 22g and great technology applied, this card won’t be easily damaged.
  • 1x point per dollar in every purchase.
  • Your points are worth 1.5% cash back or 2% in airfare redemption.
  • $100 in credit for air travel and $500 to use in selected hotels with the Mastercard Black Card benefits.
  • VIP access to airport lounges with Priority Pass.
  • Cellphone insurance for theft and damage.
  • No Foreign transaction fees.
  • 24/7 Concierge Service and Travel Assistant services.


  • High annual fee, but similar to otter cards in the same category.
  • The fact that it does not offer any welcome bonus besides de 0%intro APR is a significant disadvantage. This disadvantage becomes clearer when we compare this card with other travel cards that offer generous welcome bonuses worth hundreds or even thousands of dollars.

Luxury Gold 

luxury black or luxury gold
Take your Luxury Gold credit card to your best restaurants with you. Source: Freepik.

This golden card is not just a credit card. It is a luxury accessory, like a bracelet, an earring, or a Rollex. That’s because it has real gold on it, and is very robust to last a lifetime.

If you’re a big spender and frequent traveler, this card may suit your needs. You earn 1 point per dollar and can turn these points into 2% cashback on airfare. This is a great redemption value among other travel cards. However, it does not offer any welcome bonus, so you’ll have to spend a lot before benefiting from this rewards program.

Like most premium travel credit cards, you’ll have access to airport lounges and preferential boarding. If you book your travel with the Luxu Card Travels you’ll have even more advantages, like the amazing $500 credits to use in services, food, and experiences in selected hotels and resorts.

Multiple personalized credit card offers

Applying won't hurt your credit score

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  • 1 x point per dollar in every purchase.
  • Beautifull metal card with 24k gold plated on top of stainless steel, weighing 22g. This card will last forever.
  • You can redeem your points as cashback for a 1,5% rate, or to airfare at a 2% rate.
  • $200 credits to use in booking hotels.
  • $500 credit to use in selected hotels booked through Luxury Card Travel.
  • VIP access to airport lounges.
  • No foreign transaction fees.
  • Luxury experiences, like exclusive dinners or backstage access at cultural events.


  • High annual fee. It is higher than other cards at the same level (like the Platinum, from American Express, or the Chase Sapphire Reserve), but it does not offer benefits as valuable as the cards above him (like the Amex Centurion).
  • No welcome bonus, which means you need to spend a lot before accumulating points worth enough to cover the annual fee.

Luxury Black or Luxury Gold card: choose the best

As you can see, they are very similar. The benefits differ in the value of the benefits, and the more considerable difference is in the annual fee. Whichever you choose, you’ll have a luxury experience. These metal cards will be with you for a long time on your best trips with your family and friends.

If you’d like to see a third option, we recommend you to take a look at the American Express Platinum credit card. This card is one of the best in the market, with more than 40 years of reliability. Consider checking the benefits and the eligibility requirements in the following content. It will be worth the reading.

Cartão American Express Platinum

How to get the American Express Platinum?

The American Express Platinum Card is worth the price if you enjoy its benefits. It is easy to apply for it. Here you'll learn how to do it.

About the author  /  Julia Bermudez

Julia Bermudez is a writer here on this portal. Since childhood, writing has been a passion, and her curiosity for different subjects led to this profession. Julia has a degree in Cultural Production, and her subjects of most significant interest are health, finances, and self-development.

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