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Compare 24-karat gold credit cards

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

Our pick for a 24k gold credit card: Luxury Card Mastercard® Gold Card™

  • 15 billing cycles of intro APR on balance transfers is ultra-long for a travel card
  • Earn an easy 1x points on everything you buy
  • Enjoy Luxury Card Concierge 24/7 through the mobile app
Apply now

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.

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.

Compare gold credit cards

Name Product Filter values Rewards Purchase APR Annual fee
American Express® Gold Card
4x at restaurants including delivery and Uber Eats; 4x at US supermarkets on up to $25,000 annually (then 1x points), 3x points on directly-booked flights and 1x points on all other purchases
See Pay Over Time APR
$250

Rose Gold is Back

Earn up to 4x points on select purchases, a bevy of travel perks, and a welcome offer worth up to $600 based on our valuation with this upper-mid tier travel card. Terms apply, see rates & fees
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
$995
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 eligible purchases
15.74% to 24.74% variable
$0 intro annual fee for the first year ($99 thereafter)
Earn 40,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 3 months. Plus, earn up to $50 back in statement credits for eligible purchases at US restaurants with your card within the first 3 months of membership
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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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