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24-karat gold credit cards

Either pay a high annual fee or use a credit card conversion service.


Fact checked
You’ve probably heard about Visa Gold, Mastercard Gold or American Express Gold cards. But did you know there are actual gold credit cards? If you’re looking to get this premium option and capture everyone’s attention when you pay, be ready for a hefty annual fee or a conversion fee.

What are 24k credit cards?

This is a type of credit card made of 24k gold-plated stainless steel. However, in the US, you’ll only find the Luxury Card Mastercard® Gold Card™ as a native 24k gold credit card.

With the help of metal conversion services, you can turn any card — metal or plastic — into a 24k card. But expect to pay a one-time fee.

Our pick for a 24k gold credit card

Luxury Card Mastercard® Gold Card™

  • Patented 24K-gold-plated front and carbon back—weighing 22 grams.
  • 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.
  • 24/7 Luxury Card Concierge®—available by phone, email and live mobile chat. Around-the-clock service to help you save time and manage tasks big and small.
  • 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.
  • Annual Airline Credit—up to $200 in statement credits toward flight-related purchases including airline tickets, baggage fees, upgrades and more. Up to a $100 application fee credit for the cost of TSA Pre✓® or Global Entry.
  • Enrollment in Priority Pass™ Select with access to 1,300+ airport lounges worldwide with no guest limit. Includes credits at select airport restaurants for cardholder and one guest.
  • 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.
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Compare gold credit cards

Name Product Filter values Rewards Purchase APR Annual fee
American Express® Gold Card
3x points on directly-booked flights; 4x at restaurants; 4x at US supermarkets on up to $25,000 annually (then 1x points)
Earn up to 4x points on select purchases, a bevy of travel perks, and a welcome offer worth up to $600 with this upper-mid tier travel card. Rates & fees
CardMatch™ from
See terms
See issuer's website
See terms
Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.
Applied Bank® Secured Visa® Gold Preferred® Credit Card
9.99% fixed
No credit check is required for this secured card. Make a deposit of at least $200 to open this card and get a low 9.99% fixed APR on purchases.
Luxury Card Mastercard® Gold Card™
1x points on all purchases with 2% point value when you redeem for airfare or cash back
14.99% variable
Earn 2% point value when redeemed for airfare or cash back through the Luxury rewards program.
Delta SkyMiles® Gold American Express Card
2x miles on Delta purchases, restaurants and at US supermarkets and 1x miles on all other purchases
15.74% to 24.74% variable
$0 intro annual fee for the first year ($99 thereafter)
With a welcome offer worth up to $600, up to 2x miles on select purchases, and assorted Delta perks, this is a strong choice for Delta fans. Rates & fees

Compare up to 4 providers

How much does a 24k credit card cost?

It depends. If you apply for the Luxury Card Mastercard® Gold Card™, you’ll pay a $995 annual fee.

The metal card conversion services cost less. For example:

  • The Lion Credit Card metal conversion service charges from $234 to convert your credit card into 24k gold card.
  • The Metal Credit Card conversion service charges from $299 to turn your credit card into 24k gold card.

Benefits of a 24-karat gold credit card

A 24-karat gold card is undoubtedly a status symbol. But the features you get from such a card vary, depending on the card itself. For example, if you use:

  • Luxury Card Mastercard® Gold Card™.
    Get travel rewards and features, such as $200 annual airline credit, luxury card concierge, Priority Pass lounge access, airport meet and assists and more.
  • Metal card conversion.
    Turn any card you want — a premium card, an airline card, a cashback card — into a 24k credit card and enjoy the cool visuals with the perks you want.

Bottom line

If you’re looking for premium credit card option, consider the Luxury Card Mastercard® Gold Card™ or convert your plastic credit card into a 24k gold card.

But if you think there could be a better option, compare all credit cards until you find the right card for your needs.

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