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Rated 4.5/5 stars by our editorial team
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Over the Past 60 Days!
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
Annual Fee
$495 ($195 for each Authorized User added to the account)
Card Brand
Mastercard®
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.
$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
Regular APR
4.5
Intro APR
4.5
Fees
3.0
Benefits
4.0
Overall Rating
4.5 /5
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 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.
Vast array of luxury benefits.
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.
Regular APR
4.5
Intro APR
4.5
Fees
3.0
Benefits
4.0
Overall Rating
4.5 /5
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Rated 4.5/5 stars by our editorial team
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3.9/5.0 from 28 Offer Ratings
Over the Past 60 Days!
Rewards Rate
Unlimited 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
Intro APR
0% intro on purchases for 15 months, then 19.74% - 29.74% (Variable). 0% intro on balance transfers for 15 months, then 19.74% - 29.74% (Variable)
Cash Back Details
No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
Typical Credit Needed
Annual Fee
$0
Card Brand
Mastercard®
See additional details for Capital One Quicksilver Cash Rewards Credit Card
on Wells Fargo's secure site
Rated 4/5 stars by our editorial team
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Your Rating:
3.7/5.0 from 35 Offer Ratings
Over the Past 60 Days!
Welcome Offer
Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
Rewards Rate
Earn unlimited 2% cash rewards on purchases
Extra Perks
No categories to track or remember and cash rewards don't expire as long as your account remains open
Typical Credit Needed
Annual Fee
$0
Card Brand
Visa®
See additional details for Wells Fargo Active Cash® Card
Rated 5/5 stars by our editorial team
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Your Rating:
4.5/5.0 from 19 Offer Ratings
Over the Past 60 Days!
Sign-Up Bonus
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Rewards Rate
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
Intro APR
0% intro APR for 15 months on purchases and balance transfers, then 18.74% - 28.74% (Variable)
Typical Credit Needed
Annual Fee
$0
Card Brand
Mastercard®
See additional details for Citi Custom Cash℠ Card
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Credit Card Balance Transfer Calculator:
ASSUMPTIONS:
The Credit Card Balance Transfer Calculator assumes the full balance of the credit card will be transferred to a 0% APR credit card and regular payments will be applied. The calculator also assumes a $0 balance transfer fee for certain cards that have a promotional introductory balance transfer fee. LendingTree does not guarantee the accuracy of the results and you should seek individualized advice from qualified professional(s) who can assist you in regard to your personal financial circumstances. The actual savings does not take into account any fees or other charges by the card issuer. Please read all terms and conditions of the credit card offer carefully before making a decision. All tools and calculators are deemed examples and are for illustrative purposes only. Your final payment, interest rate, loan, amount and/or fees are unknown and all calculations are estimates only.
Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.
Between 720 - 850
Credit cards for excellent credit are intended for those with a credit score between 720 - 850.
Between 660 - 719
Credit cards for good credit are intended for those with a credit score between 660 - 719.
Between 550 - 659
Credit cards for fair credit are intended for those with a credit score between 550 - 659.
Between 300 - 599
Credit cards for poor credit are intended for those with a credit score between 300 - 599.
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Credit cards for no credit are intended for those without an established credit score.
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion.
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