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This card offers a solid rewards rate for airfare redemption. Redeem airline tickets 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 can save you up to 3% when you travel abroad.
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SIGN-UP BONUS
N/A
REWARDS RATE
2% Value for Airfare Redemptions. 1.5% Value for Cash Back Redemptions. Terms and Conditions Apply.
Balance Transfer Intro Rate
0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening. After that, (and for balance transfers that do not post within 45 days of account opening) the APR will be 20.24% to 28.24%, based on your creditworthiness and other factors. This APR will vary with the market based on the Prime Rate.
Rewards Rate
2% Value for Airfare Redemptions. 1.5% Value for Cash Back Redemptions. Terms and Conditions Apply.
Extra Perks
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.
Annual Fee
$495 ($195 for each Authorized User added to the account)
Card Brand
Mastercard®
Recommended Credit Score
ExcellentHighlights
0% of each transaction in U.S. dollars.
Either $5 or 5% of the amount of each transfer, whichever is greater.
From the LendingTree editorial team, updated on May 01, 2025
The Mastercard® Black Card™ is a Luxury credit card offered by Barclays bank. This heavy-duty card carries serious status and is teeming with over-the-top luxury benefits. Cardmembers get complimentary VIP airport lounge access with Priority Pass, 24/7 Luxury Card concierge service and exclusive travel benefits that may include complimentary room upgrades and other amenities at properties in the Luxury Card Travel program. Cardmembers also get cell phone protection and Lyft credits.
Cardmemberss earn one 1 point for every one dollar spent. Get a 2% Value for Airfare Redemptions. 1.5% Value for Cash Back Redemptions. Terms and Conditions Apply.
There is an Annual Fee of $495 ($195 for each Authorized User added to the account). That gets offset some by the annual airline credit that's worth up to $100, the $120 Global Entry or TSA Pre✓® 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. After that, (and for balance transfers that do not post within 45 days of account opening) the APR will be 20.24% to 28.24%, based on your creditworthiness and other factors. This APR will vary with the market based on the Prime Rate. 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 Good
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The Bottom Line
This card offers a solid rewards rate for airfare redemption. Redeem airline tickets 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 can save you up to 3% when you travel abroad.
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.