According to fares supremo Barry Doe, in Rail Magazine issues 761 and 763, the cheapest Gold Card - £108 at current prices - will be Lichfield Trent Valley to/from City. The former cheapest Gold Card was Ryde St Johns Road to/from Ryde Esplanade on the Isle of Wight. This now costs £164, but, if bought at a South West Trains station, it (and I assume any South West Trains Gold Card) entitles the holder to 6 free South West trains tickets in the year. This may save you more than the £56 difference in price from the Lichfield one.
The discounts obtainable with a Gold Card, which change from 2015, are explained here:http://www.nationalrail.co.uk/times_fares/ticket_types/46573.aspx
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