Protection from multicolored means the protected permanent or player cannot be dealt damage, enchanted/equipped, blocked, or targeted by sources that are multicolored (CR 702.16). The key is what 'multicolored' actually means in rules terms.
Under CR 105.2 and CR 202.2, a card's color is defined by its mana cost color indicators, or characteristic-defining abilities — not by its card frame or the 'gold' aesthetic. A card is multicolored only if it has two or more colors (CR 105.2b). A card with a single color pip, even if it has a gold frame or is colloquially called a 'gold card,' is simply monocolored.
So: if a card has only one color pip (e.g., a hybrid card with just {R/G} that makes it both red and green, or a card with only a single {R} pip), you must check how many colors it actually has. A card with a single non-hybrid pip like {R} is monocolored. Protection from multicolored would NOT prevent its damage.
Concrete example: You control a creature with protection from multicolored. Your opponent attacks with a creature that costs {2}{R} — it has one color (red) and is monocolored. Protection from multicolored does nothing here; the damage goes through normally. However, if that creature cost {R}{W}, it would be multicolored and protection would prevent the damage.
The 'gold card' frame is a visual design choice and has no rules meaning. Always check the actual colors of the card as defined by its mana cost or color indicator (CR 202.2, CR 105.2).
Unofficial fan resource — not affiliated with or endorsed by Wizards of the Coast. Answers are AI-generated estimates grounded in the Comprehensive Rules and are not a substitute for an official judge. Verify anything match-critical.