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2 cards side by side

Gold Mastercard vs World Mastercard

At a glance
  • Purchase interest (APR): the ranges overlap, so which is lower depends on the rate you're approved at.
  • Foreign transaction fee: not confirmed for World Mastercard, so we don't say which is lower.
  • Same annual fee on both: $0.
  1. Gold MastercardTower Federal Credit Union6 of 8 facts on file · annual fee checked Oct 2026
  2. World MastercardTower Federal Credit Union6 of 8 facts on file · annual fee checked Oct 2026
Purchase interest (APR)Charged on balances you carry. Your rate may depend on approval. Lower is marked only when a published issuer or regulator document confirms every card's rate.The ranges overlap, so which is lower depends on the rate you're approved at.
Gold Mastercard
10.9%–15.9%
World Mastercard
14.49%–17.99%
Top earn ratesPer unit of currency spent, as the card states it. Not ranked: points in different programs aren't worth the same, and most rates don't record their unit.
Gold Mastercard
1% on everything else
World Mastercard
1.5% on everything elseNot yet checked with Tower Federal Credit Union
Foreign transaction feeAdded to purchases in another currency. Lower is marked only when a published issuer or regulator document confirms every card's fee.Not confirmed for World Mastercard, so no card is marked lower.
Gold Mastercard
1.1%
World Mastercard
Not confirmed
Welcome offerAs the issuer describes it. Offers change often, so check the terms before you apply.
Gold Mastercard
Not confirmed
World Mastercard
$100 cash back when you spend $1,000 on purchases within the first three months of account opening.^
Annual feeSame on allPer year. Lower is marked only when every fee has been verified against the issuer.
Gold Mastercard
$0No annual fee
World Mastercard
$0No annual fee
Listed underThe sections of this site the card appears in.
Gold Mastercard
Low Interest
World Mastercard
Welcome Bonus
NetworkSame on allWhere the card is accepted.
Gold Mastercard
Mastercard
World Mastercard
Mastercard
Apply
DetailsNo application link on file
DetailsNo application link on file

Not confirmed for any of these cards: Rewards program. We leave these out rather than show a row of blanks — check the issuer’s own terms for them.

Lower lowest figure, marked only when every card’s figure is confirmed by the issuer’s or a regulator’s published document Not confirmed: we hold no checked figure — a blank is not a claim of zero On file, but not yet checked with the issuer — confirm it on their own page

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The bottom line

Which one?

Cost is only half of it. Match each card’s earn rates and welcome offer to where your money actually goes, confirm anything marked “not confirmed” with the issuer, then open the full review for the card that fits.

Gold Mastercard reviewWorld Mastercard review
Questions

Frequently asked

Can I hold Gold Mastercard and World Mastercard at the same time?

In most cases, yes. Holding cards from different issuers is common and can help you cover more spending categories. Check each issuer's own policies for any restrictions.

Are these cards available in United States?

Every card in this comparison is issued for United States. Approval depends on each issuer's credit and income criteria.