Rated 4.5/5 stars by our editorial team
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Over the Past 60 Days!
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Regular Purchase APR
19.49%
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Intro Purchase APR
N/A
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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.
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Typical Credit Needed
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Annual Fee
$495 ($195 for each Authorized User added to the account)
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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
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Concierge Service
Yes
Expert Reviews
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.
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Related Card Offers
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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)
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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)
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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
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Typical Credit Needed
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Annual Fee
$0
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Card Brand
Mastercard®
Highlights
- Click "APPLY NOW" to apply online
- Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase, every day
- $0 annual fee and no foreign transaction fees
- Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- 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
- 0% intro APR on purchases and balance transfers for 15 months; 19.74%-29.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
- For Capital One products listed on this page, some of the benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
See additional details for Capital One Quicksilver Cash Rewards Credit Card
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Welcome Offer
Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
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Rewards Rate
Earn unlimited 2% cash rewards on purchases
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Extra Perks
No categories to track or remember and cash rewards don't expire as long as your account remains open
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Typical Credit Needed
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Annual Fee
$0
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Card Brand
Visa®
Highlights
- Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
- Earn unlimited 2% cash rewards on purchases
- 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 19.74%, 24.74%, or 29.74% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
- $0 annual fee
- No categories to track or remember and cash rewards don't expire as long as your account remains open
- Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge
- Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
- Select “Apply Now” to learn more about the product features, terms and conditions
- See Rates & Fees
See additional details for Wells Fargo Active Cash® Card
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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.
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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.
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Intro APR
0% intro APR for 15 months on purchases and balance transfers, then 18.74% - 28.74% (Variable)
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Typical Credit Needed
-
Annual Fee
$0
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Card Brand
Mastercard®
Highlights
- 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.
- 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.74% - 28.74%, based on your creditworthiness.
- 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.
- No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
- No Annual Fee
- Citi will only issue one Citi Custom Cash℠ Card account per person.
- See additional Citi Custom Cash℠ Card details
See additional details for Citi Custom Cash℠ Card
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