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Mastercard® Black Card™

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Mastercard® Black Card™

 

Rated 4.5/5 stars by our editorial team

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  • Regular Purchase APR

    19.49%

  • Intro Purchase APR

    N/A

  • Intro BT 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.

  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    $495 ($195 for each Authorized User added to the account)

  • Card Brand

    Mastercard®

Highlights

  • Click "APPLY NOW" to apply online
  • Patented black-PVD-coated metal card—weighing 22 grams.
  • 2% value for airfare redemptions with no blackout dates or seat restrictions. 1.5% value for cash back redemptions. Earn one point for every one dollar spent.
  • Annual Airline Credit—up to $100 in statement credits toward flight-related purchases including airline tickets, baggage fees, upgrades and more. Up to a $100 application fee credit for the cost of TSA Pre✓® or Global Entry.
  • Enrollment in Priority Pass™ Select with access to 1,300+ airport lounges worldwide with no guest limit. Includes credits at select airport restaurants for cardholder and one guest.
  • 24/7 Luxury Card Concierge®—available by phone, email and live mobile chat. Around-the-clock service to help you save time and manage tasks big and small.
  • Exclusive Luxury Card Travel® benefits—average value of $500 per stay (e.g., resort credits, room upgrades, free wifi, breakfast for two and more) at over 3,000 properties.
  • Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard® benefits.
  • Annual Fee: $495 ($195 for each Authorized User). Terms and conditions apply.

Card Fees

  • Foreign Transaction Fee

    0% of each transaction in U.S. dollars.

  • Balance Transfer Fee

    Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.

  • Cash Advance Fee

    Either $10 or 5% of the amount of each cash advance, whichever is greater.

Additional Card Details

  • $0 Fraud Liability

    No

  • Auto Rental Insurance

    Yes

  • Extended Warranty Program

    No

  • Roadside Assistance

    No

  • Purchase Protection

    No

  • Travel Assistance

    No

  • Flight Accident Insurance

    Yes

  • Lost Luggage Reimbursement

    Yes

  • Concierge Service

    Yes


Expert Reviews

  • Regular APR

    4.5

  • Intro APR

    4.5

  • Fees

    3.0

  • Benefits

    4.0

  • Overall Rating

    4.5 /5

From the LendingTree.com Editorial Team

The Mastercard® Black Card™ is a Luxury credit card offered by Barclays bank. This black stainless steel and carbon metal card carries status and is teeming with over the top luxury benefits. Card holders get complimentary VIP airport lounge access with Priority Pass, 24/7 Luxury Card concierge service and exclusive travel benefits like complimentary food and beverages, room upgrades, resort or spa credits and welcome amenities at properties in the Luxury Card Travel program. Cardholders also get cell phone protection, Lyft credits, and Fandango perks.

Cardholders earn one 1 point for every one dollar spent. Get a 2% value for airfare redemptions with no blackout dates or seat restrictions. 1.5% value for cash back redemptions. Earn one point for every one dollar spent..

There is an Annual Fee of $495 ($195 for each Authorized User added to the account). That is offset by the valuable $100 annual airline credit and $100 Global Entry and TSA Pre-Check✓® application fee credit and the airport lounge membership.

This card offers 0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening. Not all premium cards offer 0% intro APR on balance transfers, so this is a welcome feature for anyone who wants to transfer a balance and save money on interest payments. Terms and conditions apply.

The Bottom Line

The rewards rate at 2% for airline redemption is solid. Redeem for any airlines with no blackout dates. The real value in the Luxury cards are the massive array of benefits and features that come along with the high status Luxury cards. If you travel frequently, the airport lounge access can significantly improve your travel experience. There are no foreign transaction fees, which will save you up to 3% when you travel abroad.

The Good

Vast array of luxury benefits.

The Not So Good

No sign up bonus.


Editorial Note: This content is not provided by Luxury Card. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Luxury Card.

Expert Reviews of the Mastercard® Black Card™

  • Regular APR

    4.5

  • Intro APR

    4.5

  • Fees

    3.0

  • Benefits

    4.0

  • Overall Rating

    4.5 /5


Consumer Reviews 0 Reviews

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