I received a hard-copy mail advertisement for a Mastercard Gold application. Yes, the card is actually 24K-gold plated. The features actually looked good, so it perked my investigative instincts. My stopping point though was the annual fee of $995.00. (Yes, I did type that correctly). And you could add additional persons for $295.00 each. Good gawd! I have trouble believing people actually buy these things for that price.