How Does LendingTree Get Paid?
LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.
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Advertising Disclosure
LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).

Advertising Disclosure

LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).
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American Express Disclosure
Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

American Express Disclosure

Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

Mastercard® Gold Card™ Review

Mastercard<sup>®</sup> Gold Card™
Balance Transfer Intro Rate
0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening. After that, (and for balance transfers that do not post within 45 days of account opening) the APR will be 21.24%, 25.43% or 28.24%, based on your creditworthiness. There is a fee for balance transfers.
Rewards Rate
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.
Extra Perks
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.
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It was not reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

Our take: While it is a premium credit card, the Mastercard® Gold Card™ has lackluster benefits that don’t justify its exorbitant annual fee.

Pros and cons

  • Heavy metal, gold-plated card
  • Foreign transaction fee of 0% of each transaction in U.S. dollars.
  • Luxury travel perks and travel credits
  • Airport lounge access
  • Travel insurance
  • Average rewards rate
  • Extremely high annual fee
  • No sign-up bonus
  • Other premium cards offer better benefits

Is the Mastercard® Gold Card™ worth it?

Some things in life aren’t meant to be a good deal — they’re done for the panache. Coming with an annual fee of $995 ($295 for each authorized user added to the account), the gold-plated Mastercard® Gold Card™ is one of those things.

With an average rewards program and no sign-up bonus, the Mastercard® Gold Card™ won’t give you much in the way of travel benefits. But it will earn you style points, and that counts for something, right? Read our full review to decide for yourself.

Quick facts

    • 24K-Gold-Plated and stainless steel card. Tailored to be an everyday essential. Rewards and protection benefits that are designed to be used everywhere you go, rather than select categories and purchases. Plus, no foreign transaction fees.
    • Simple and flexible rewards without the hoops. 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. No minimum threshold requirement for cash back or airfare redemptions.
    • Annual Airline Credit—up to $200 in statement credits toward flight-related purchases including airline tickets, baggage fees, upgrades and more. Just pay for airline purchases with your Mastercard Gold Card and we will automatically apply the credit to your account. That’s it. No need to activate or designate an airline.
    • Up to a $100 application fee credit for the cost of TSA Pre✓® or Global Entry. Also, enjoy automatic enrollment in Priority Pass™ Select with access to 1,300+ airport lounges worldwide with no guest or lounge limits. Includes credits at select airport restaurants for cardholder and one guest.
    • 24/7 Luxury Card Concierge®—available by phone, email, SMS and chat in the app. Around-the-clock service to help you save time and manage tasks big and small. There is no requirement to make a purchase in your requests and no fees are associated with using the concierge's assistance.
    • 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. Plus, peace of mind 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: $995 ($295 for each Authorized User). Terms and conditions apply.
    720 850
    Excellent
  • Earning rate: 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.
  • Annual fee: $995 ($295 for each authorized user added to the account).
  • Foreign transaction fee: 0% of each transaction in U.S. dollars.

Intro Purchase APR

N/A

Regular Purchase APR

21.24%, 25.43% or 28.24%

Intro BT APR

0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening.

Regular BT APR

After that, (and for balance transfers that do not post within 45 days of account opening) the APR will be 21.24%, 25.43% or 28.24%, based on your creditworthiness. There is a fee for balance transfers.

Annual Fee

$995 ($295 for each Authorized User added to the account)

Cash Advance Fee

Either $10 or 5% of the amount of each cash advance, whichever is greater.

Foreign Transaction Fee

0% of each transaction in U.S. dollars.

Balance Transfer Fee

Either $5 or 5% of the amount of each transfer, whichever is greater.

Our Mastercard® Gold Card™ review: Is it worth the annual fee?

Key takeaways:

  • The Mastercard® Gold Card™ comes with unusual gifts and perks.
  • The card’s high annual fee outweighs the benefits you’ll get from its rewards program.
  • Its coolest perk is simply that it’s heavy and plated with 24-karat gold.

With an annual fee just shy of a grand — $995 ($295 for each authorized user added to the account) — the Mastercard® Gold Card™ is one of the most expensive luxury cards on the market. But it offers little to make up for that cost compared to other high-end cards.

Still, if the annual fee doesn’t bother you and you’re interested in a flashy card, you can earn decent rewards with the Mastercard® Gold Card™. Here’s what it has to offer.

Mastercard® Gold Card™ benefits

On the whole, the Mastercard® Gold Card™ has a solid rewards program, which we’ll break down below. We don’t think the rewards are enticing enough to justify the high annual fee, but the card does come with some unique benefits.

Travel perks

The Mastercard® Gold Card™ comes with a 24/7 travel concierge service and a number of travel perks to make your trips feel more luxurious.

  • Car rental benefits: Get competitive pricing and upgrades from Luxury Card’s auto rental partners.
  • Airport meet & assist: Arrange for a representative to expedite your trip through the airport.
  • No foreign transaction fees (0% of each transaction in U.S. dollars.): Avoid exchange fees when you use your card abroad.
  • Luxury Card Travel®: Luxury Card Travel® offers cardmembers an average value of $500 in travel benefits and services per stay at over 3,000 properties around the world. Benefits may include resort credits, breakfast vouchers, complimentary food and beverages, room upgrades, free Wi-Fi, early check-in, late checkout and welcome perks. View travel benefit examples at the Luxury Card Hotel & Travel site.

Travel credits and protection

On top of the perks outlined above, Mastercard® Gold Card™ membership includes complimentary travel credits and protection, including:

  • Airline credit: Cardholders will get an annual $200 air travel credit that can be used toward ticket purchases, baggage fees, upgrades and more.
  • Global Entry & TSA PreCheck application credit: Cardholders will get a $100 statement credit to cover the cost of application fees so they can enjoy expedited arrival into the U.S. at participating international airports.
  • VIP airport lounge access: With Priority Pass™ Select membership, you can access more than 1,300 airport lounges worldwide.
  • Travel insurance: If your flight is canceled or your baggage is delayed on a trip you purchased with your Mastercard® Gold Card™, you may be reimbursed through Luxury Card’s travel insurance packages. Review your benefits guide for the full terms of your coverage.

Luxury card app

Concierge agents are available 24/7 via live chat to assist with any request from Mastercard® Gold Card™ cardholders. App users can browse and book a memorable Luxury Card experience, make travel arrangements and explore exclusive offers and perks.

Surprises

Mastercard® Gold Card™ cardholders receive exclusive access to events, golf courses and Priceless® Surprises. Mastercard doesn’t divulge what these surprises might be, saying instead, “You never know where, when or who we will surprise next!”

Average rewards rates

One of the biggest strikes against the Mastercard® Gold Card™ is its average rewards program. The rewards rate is underwhelming considering the card’s high annual fee.

Cardholders earn a 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.

While you earn 1 point per dollar spent with the card, the company values its points at 2 cents each, since 50,000 points can be redeemed for a $1,000 airline ticket or $1,000 cash back. That means you earn 2% on your spending if you redeem your Mastercard® Gold Card™ points for airfare or cash back. You can easily find this same rate with many no-annual-fee, cash back cards like the Wells Fargo Active Cash® Card.

With the Mastercard® Gold Card™, you can’t transfer your points to partnering rewards programs to maximize their value like you can with Chase Ultimate Rewards® or American Express Membership Rewards. This limits your redemption options.

24-karat bragging rights

The Mastercard® Gold Card™’s design is its biggest selling point. It has a patented 24-karat, gold-plated front and stainless steel back, weighing in at 22 grams. This is purely a style perk, as we doubt you’d be able to resell the card for its gold content.

But if you’re in the market for a luxury item, a gold-plated credit card might be exactly what you’re looking for.

0% intro APR on balance transfers

One other useful benefit of the Mastercard® Gold Card™ is that it offers a 0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening. After that, (and for balance transfers that do not post within 45 days of account opening) the APR will be 21.24%, 25.43% or 28.24%, based on your creditworthiness. There is a fee for balance transfers.

Mastercard® Gold Card™ eligibility

You don’t need to be a member of the richest 1% to qualify for the Mastercard® Gold Card™, but you will need excellent credit when you submit your card application in order to be approved. You’ll also need a spare $995 ($295 for each authorized user added to the account) to cover the card’s annual fee.

Other cons

Most credit cards let you add authorized users for free, but the Mastercard® Gold Card™ charges $295 for each additional authorized user to cover the cost of the gold-plated card.

Mastercard® Gold Card™ vs. Chase Sapphire Reserve®

Better benefits for a lower annual fee

| Disclosures
Chase Sapphire Reserve®
Chase Sapphire Reserve<sup>®</sup>
Review Coming Soon
N/A
22.49% – 29.49% Variable
$550
Earn 5x total points on flights and 10x total points on hotels
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority PassTM Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
  • Member FDIC
720 850
Excellent
The information related to the Chase Sapphire Reserve® has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.


If you’re in the market for a high-end card, you’ll get more value from the Chase Sapphire Reserve® than the Mastercard® Gold Card™. The $550 annual fee is high, but it’s far lower than the fee charged by the Mastercard® Gold Card™.

Plus, the rewards rate for the Chase Sapphire Reserve® is better. You can earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases. If you transfer these points to certain partners on the Ultimate Rewards portal, you can squeeze even more value out of them.

Finally, the Chase Sapphire Reserve® comes with a valuable sign-up bonus: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®. You’ll also get a $300 travel credit, lounge access and comparable travel benefits. If you’re looking for a luxury credit card with high-end benefits, it’s hard to beat the Chase Sapphire Reserve®.

Mastercard® Gold Card™ vs. The Platinum Card® from American Express

The ultimate luxury travel card

| Disclosures
The Platinum Card® from American Express
The Platinum Card® from American Express
apply-now-icon Apply Now
on American Express's secure site
Rates & Fees
| Terms Apply
N/A
See Pay Over Time APR
$695
5X Membership Rewards® points on flights booked directly with airlines or with
  • Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
  • $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, SiriusXM, and The Wall Street Journal. Enrollment required.
  • $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card®. Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
  • $300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card®. Enrollment required. Visit https://platinum.equinox.com/ to enroll.
  • $189 CLEAR® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card®. Learn more.
  • $100 Global Entry Credit: Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
  • Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
  • $300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card®. An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. Enrollment Required.
  • Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
  • $695 annual fee.
  • Terms Apply.
660 720 850
Excellent/Good

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.


When it comes to travel benefits, the Platinum Card® from American Express beats the Mastercard® Gold Card™ by a long shot.

The Platinum Card® from American Express is targeted specifically toward people who want luxury travel amenities like upgrades, concierge service for high-end reservations and access to Amex Centurion and Priority Pass lounges (enrollment required).

You’ll also earn up to 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel on up to $500,000 on these purchases per calendar year and 5X Membership Rewards® points on prepaid hotels booked with American Express Travel. Terms apply. You’ll get up to a $200 airline fee credit each year (enrollment required) and up to $100 in statement credits annually for purchases at Saks Fifth Avenue (enrollment required). You can also earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership.

And although its $695 annual fee is rather high, it’s still much cheaper than the Mastercard® Gold Card™.

To see rates & fees for The Platinum Card® from American Express please click here.

Mastercard® Gold Card™ vs. Mastercard® Black Card™

Watered-down benefits for a lower annual fee

| Disclosures
Mastercard® Black Card™
Mastercard® Black Card™
apply-now-icon Apply Now
on Luxury Card's secure site
N/A
21.24%, 25.43% or 28.24%
$495 ($195 for each Authorized User added to the account)
2% value for airfare redemptions with no blackout dates or seat restrictions.
  • Stainless steel and carbon card. Tailored to be an everyday essential. Rewards and protection benefits that are designed to be used everywhere you go, rather than select categories and purchases. Plus, no foreign transaction fees.
  • Simple and flexible rewards without the hoops. 2% value for airfare redemptions with no blackout dates or seat restrictions. 1.5% value for cash back redemptions. Earn one point for every one dollar spent. No minimum threshold requirement for cash back or airfare redemptions.
  • Annual Airline Credit—up to $100 in statement credits toward flight-related purchases including airline tickets, baggage fees, upgrades and more. Just pay for airline purchases with your Mastercard Black Card and we will automatically apply the credit to your account. That’s it. No need to activate or designate an airline.
  • Up to a $100 application fee credit for the cost of TSA Pre✓® or Global Entry. Also, enjoy automatic enrollment in Priority Pass™ Select with access to 1,300+ airport lounges worldwide with no guest or lounge limits. Includes credits at select airport restaurants for cardholder and one guest.
  • 24/7 Luxury Card Concierge®—available by phone, email, SMS and chat in the app. Around-the-clock service to help you save time and manage tasks big and small. There is no requirement to make a purchase in your requests and no fees are associated with using the concierge's assistance.
  • 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. Plus, peace of mind 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: $495 ($195 for each Authorized User). Terms and conditions apply
720 850
Excellent

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.


With an annual fee of $495 ($195 for each authorized user added to the account), the Mastercard® Black Card™ is a lot more affordable than the Mastercard® Gold Card™. You’ll take a slight hit on the rewards rate in exchange for this reduced price.

While most of the benefits are the same, cardholders will only receive 2% value for airfare redemptions with no blackout dates or seat restrictions. 1.5% value for cash back redemptions. Earn one point for every one dollar spent. Also, you’ll earn an annual airline credit of just $100. And the card isn’t made out of gold.

It’s a better option than the Mastercard® Gold Card™ since you can still lock in a 2% rate when redeeming for airfare and it costs $500 less per year to carry the card. However, when compared to similarly priced cards like The Platinum Card® from American Express and the Chase Sapphire Reserve®, we don’t think the Mastercard® Black Card™ stands out.

How can you make the most out of your Mastercard® Gold Card™?

If you’re dead set on getting the Mastercard® Gold Card™, you might as well make the most of it by utilizing its top benefits:

  • Take advantage of its travel credits to help offset the annual fee: The $200 annual airline fee credit and the $100 Global Entry/TSA PreCheck credit will save you money and time when you travel.
  • Be sure to use airport lounges: You’ll get a Priority Pass™ Select membership with this card, which means you can access more than 1,300 airport lounges worldwide.
  • Use the travel perks and discounts: With Luxury Card Travel®, you’ll get access to a range of upgrades and credits at over 3,000 worldwide properties. These benefits may include spa credits, breakfast vouchers, room upgrades and more. It’s also worth taking advantage of the travel insurance that comes with the Mastercard® Gold Card™.
  • Take up golf: With this card, you’ll get luxury golf perks and access to courses around the world.
  • Make the Mastercard® Gold Card™ your primary premium card: Use this card for its luxury benefits and amenities. Only keep other credit cards with low or no annual fees and higher rewards rates.

Should you apply?

In our opinion, if you’re looking for a credit card to use for day-to-day spending, the Mastercard® Gold Card™ isn’t worth it. Its rewards rates for nontravel purchases are low, and we don’t believe the card’s benefits outweigh the high annual fee. Other premium credit cards have more to offer at significantly lower prices.

However, frequent travelers who want a swanky card with luxury travel benefits may find that this card is what they’re looking for. If you plan to take advantage of the travel perks, credits, discounts and lounges, and want an extravagant gold-plated credit card, you might decide that the Mastercard® Gold Card™ is worth the expensive annual fee.

Frequently asked questions

No, the Mastercard® Gold Card™ does not waive its annual fee for active military members. Though Barclaycard previously offered perks like 0% APR and no annual or late fees to active duty military cardholders, they have since removed those benefits. However, there are still a few Mastercard® Gold Card™ military benefits that are required by the Servicemembers Civil Relief Act (SCRA), including a capped interest rate during and after the time of active military duty.

In order to qualify for the Mastercard® Gold Card™, you will need to have Mastercard® Gold Card™ credit and be able to afford the annual fee of $995 ($295 for each authorized user added to the account).

Yes, the Mastercard® Gold Card™ is a 24-karat, gold-plated, stainless steel card. The card is heavy, weighing in at 22 grams, which outweighs several similar competing premium credit cards.

In our opinion, the Mastercard® Gold Card™ isn’t worth it for the average consumer. If you’re a frequent traveler with a luxurious lifestyle, the travel benefits of this card could be worth it for you. However, other premium credit cards offer better benefits at lower prices.

For gold card eligibility, you will need to have excellent credit. You’ll also need to be able to pay the high annual fee. If you meet both of these requirements, you can fill out the Mastercard® Gold Card™ application online.

The Mastercard® Gold Card™ is a luxurious, gold-plated rewards credit card. Mastercard is widely accepted throughout the world and offers a variety of useful travel perks.

The Mastercard® Gold Card™ charges an annual fee of $995 ($295 for each authorized user added to the account).

The Mastercard® Gold Card™ is a status symbol. These types of cards are often more expensive to own and come with a variety of exclusive rewards and benefits.

Whether a Mastercard® Black Card™ is better than a Mastercard® Gold Card™ will depend on your personal preferences. Black and gold cards tend to fall into the premium credit card category, which grants a level of status exclusive to these types of cards.

No, the Mastercard® Gold Card™ does not offer a sign-up bonus.

To see rates & fees for The Platinum Card® from American Express please click here.

The information related to Chase Sapphire Reserve® and Chase Sapphire Preferred® Card has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication.