- Reward Rates
- 2% 2% Value for Airfare Redemptions
- 1.5% 1.5% Value for Cash Back Redemptions
- 1X Earn one point for every one dollar spent.
- Balance Transfers Intro APR
- 0% intro APR for the first 15 billing cycles on BT within first 45 days; APR after will be 14.99%
- Purchases Intro APR
- Regular APR
- 14.99% Variable
- Annual Fee
- $495 ($195 for each Authorized User added to the account)
- Patented black PVD metal card-weighing 22 grams.
- 2% value for airfare redemptions with no blackout dates or seat restrictions.
- 1.5% value for cash back redemptions.
- 24/7 Luxury Card Concierge®-available by phone, email and live mobile chat.
- Exclusive Luxury Card Travel® benefits (e.g., amenities, room upgrades and complimentary food and beverages).
- Up to $100 annual airline credit and $100 Global Entry and TSA Pre-Check application fee credit.
- Cell Phone Protection, Lyft credits, Postmates discounts, Fandango perks and more.
- Annual fee: $495 ($195 for each Authorized User).
- Earn one point for every one dollar spent.
- Terms and conditions apply.
2.6 out of 5
Our take: With a $495 annual fee, the Mastercard Black card is one of the priciest cards in its class, and comes with travel benefits that don’t hold up to other luxury cards.