Mastercard® Black Card™
- Annual fee
- $495 ($195 for each Authorized User added to the account)
- Recommended credit
- Excellent
- Card network
- Mastercard
- Regular purchase APR
- 20.74% to 28.74%
At a glance
An exclusive and complete credit card, the Mastercard® Black Card™ is a statement piece that offers a wide range of unique benefits not found anywhere else. Beyond a 2% redemption rate for airfare and 1.5% for cash back, the Black Card provides a full lifestyle experience that goes beyond just amassing points – and that more than makes up for its annual costs. Once approved, customers can expect 24/7 personalized concierge service, VIP discounts, and attractive memberships.
Our review of the Mastercard® Black Card™
The Mastercard Black Card from Luxury Card is a top-tier payment card designed for those with discerning tastes. With an annual fee of $495, this card offers exclusive benefits and perks that make it a standout in the market. Comparable to the Mastercard Gold Card, the Black Card is perfect for those looking for a luxurious travel experience without the hefty price tag.
Who Can Benefit from the Mastercard® Black Card™?
While the Mastercard Black Card is considered the middle child among the Luxury Card lineup, it is by no means lacking in luxury. Ideal for individuals seeking a premium travel experience without breaking the bank, this card offers impressive travel perks, exclusive access offers, and 24/7 concierge service. With a 0% APR for 15 months, it’s a reliable choice for those who want to indulge in the finer things in life
How to Get the Card
Luxury Card products are available in all 50 U.S. states and the District of Columbia.
Credit Needed
To be eligible for the Mastercard Black Card, you will need excellent credit.
22 Gram Metal & Carbon Card Design
The Mastercard Black Card features a sleek black metal design that exudes luxury and sophistication. Weighing 22 grams, this card surpasses its competitors in both style and substance.
0% APR Balance Transfer Offer
New cardholders can take advantage of a 0% introductory APR for the first 15 billing cycles on purchases and balance transfers. This introductory rate is a rare find among ultra-premium credit cards.
How to Earn Rewards
The Mastercard Black Card offers a simplified rewards scheme that prioritizes value and convenience. Cardmembers can earn 2% back in value when redeeming rewards for airfare or 1.5% back for deposits into a US bank account or as a statement credit. There are no minimum threshold requirements for redeeming rewards, and no blackout dates for airline redemptions.
Luxury Card Travel Benefits
At the core of the Mastercard Black Card is a world-class travel experience tailored for affluent travelers. From exclusive access to the Luxury Card Travel program to travel credits for TSA Pre/Global Entry and annual airline purchases, this card offers a host of benefits to enhance your travel experience.
Luxury Card Concierge
The 24-hour Luxury Card Concierge provides VIP service tailored to your needs, including assistance with travel bookings, restaurant reservations, gift recommendations, and more. This personalized service sets the Black Card apart from its competitors.
World Elite Mastercard Benefits
As a World Elite Mastercard product, the Mastercard Black Card offers a range of additional benefits, including Zero Liability Protection, Airport Concierge, Cell Phone Protection, and more.
Comparison
When compared to other premium credit cards, the Mastercard Black Card stands out for its unique design, exclusive benefits, and exceptional concierge service.
Should You Apply for the Mastercard® Black Card?
If you value luxury, exclusivity, and personalized service, the Mastercard Black Card is a top choice. While the $495 annual fee may seem steep, the card’s perks and benefits can easily offset this cost for frequent travelers and luxury enthusiasts. Consider adding the Mastercard Black Card to your wallet for a truly premium credit card experience.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- Ideal for those seeking a top-of-wallet premium card with straightforward rewards and exceptional service. Cardholders can avoid juggling various cards and monthly statements while benefiting from travel perks and enhanced protection that exceeds standard credit cards.
- Offers a flat-rate redemption value of 1.5% for cash back or 2% value for airfare redemption with no airline or seat restrictions and no blackout dates. Cardholders earn one point for every dollar spent. Point redemption is simple, without requiring a complex reward strategy. The card features no foreign transaction fees, no earning caps, no rotating categories, and eliminates the need to pursue transfer partners to maximize point values.
- Annual Airline Credit—up to $100 in statement credits toward flight-related purchases including airline tickets, baggage fees, upgrades and more. Cardholders simply pay for airline purchases with their Mastercard Black Card and the credit is automatically applied to their account. There's no need to activate or designate an airline. The full credit amount is available at the start of the calendar year.
- Up to a $120 application fee credit for the cost of TSA Pre® or Global Entry. Also, enjoy automatic enrollment in Priority Pass™ Select with access to 1,500+ airport lounges worldwide with no guest or lounge limits. Includes credits at select airport restaurants for cardholder and one guest.
Who this card may suit
- You're a frequent traveler who aims to earn rewards that can be redeemed for airfare at an unmatched rate
- You're looking to minimize your wallet via an everyday credit card that rewards on every redemption
- You aim to stand out from the crowd with an expertly-crafted metal credit card weighing 22 grams
- You're seeking a dedicated 24/7 Concierge service offering personalized assistance to meet a variety of requests
- You stay at high-end hotels and exclusive resorts that offer Cardmembers amenities, breakfast vouchers and resort credits
- You're interested in premium travel benefits and protections found in few competing credit cards
Rates, fees and terms
| Annual Fee | $495 ($195 for each Authorized User added to the account) |
|---|---|
| Regular Purchase APR | 20.74% to 28.74% |
| Intro Balance Transfer 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 |
| Balance Transfer APR | 20.74% to 28.74%, based on your creditworthiness. There is a fee for balance transfers. |
| Balance Transfer Transaction Fee | Either $5 or 5% of the amount of each transfer, whichever is greater. |
| Cash Advance Transaction Fee | Either $10 or 5% of the amount of each transaction, whichever is greater |
| Late Payment Penalty Fee | Up to $39 |
| Return Payment Penalty Fee | Up to $39 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit.
Apply Now for Mastercard® Black Card™ (opens in a new tab)View issuer terms for Mastercard® Black Card™ (opens in a new tab)
Mastercard® Black Card™
Apply Now for Mastercard® Black Card™ (opens in a new tab)You will leave this site for the issuer’s page. Confirm current terms there.
Similar cards
Capital One Venture X Rewards Credit Card
- Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in…
- Receive up to $300 back annually as statement credits for bookings through Capital One Travel, where you'll get Capital…
- Annual fee
- $395
- Recommended credit
- Excellent / Good
- Purchase APR
- 21.99% - 28.99% variable based on creditworthiness and the Prime Rate
Mastercard® Titanium Card™
- Designed for those seeking an introductory premium travel card with exceptional airfare redemption, access to hotel…
- Offers a flat-rate redemption value of 1% for cash back or 2% value for airfare redemption with no airline or seat…
- Annual fee
- $195 ($95 for each Authorized User added to the account)
- Recommended credit
- Excellent
- Intro APR
- 0% introductory APR for the first fifteen billing cycles following…
Synovus Business Travel Rewards Visa® Credit Card
- 0% introductory APR on purchases, balance transfers and overdraft protection for the first 6 months
- Annual fee of $50, which is waived for the first year
- Annual fee
- None
- Recommended credit
- Excellent / Good
- Intro APR
- 0% for 6 months from account opening date