- Reward Rates
- 2%2% value for airfare redemptions with no blackout dates or seat restrictions.
- 1.5%1.5% Value for Cash Back Redemptions
- 1XEarn one point for every one dollar spent.
- Balance Transfers Intro APR
- 0% intro APR for first 15 billing cycles on BT within first 45 days; After that - 19.99% Variable APR
- Purchases Intro APR
- N/A
- Regular APR
- 19.99% Variable
- Annual Fee
- $495 ($195 for each Authorized User added to the account)
Highlights
- Stainless steel and carbon card. Tailored to be an everyday essential. Rewards and protection benefits that are designed to be used everywhere you go, rather than select categories and purchases. Plus, no foreign transaction fees.
- Simple and flexible rewards without the hoops. 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. No minimum threshold requirement for cash back or airfare redemptions.
- Annual Airline Credit-up to $100 in statement credits toward flight-related purchases including airline tickets, baggage fees, upgrades and more. Just pay for airline purchases with your Mastercard Black Card and we will automatically apply the credit to your account. That’s it. No need to activate or designate an airline.
- Up to a $100 application fee credit for the cost of TSA Pre✓® or Global Entry. Also, enjoy automatic enrollment in Priority Pass™ Select with access to 1,300+ airport lounges worldwide with no guest or lounge limits. Includes credits at select airport restaurants for cardholder and one guest.
- 24/7 Luxury Card Concierge®-available by phone, email, SMS and chat in the app. Around-the-clock service to help you save time and manage tasks big and small. There is no requirement to make a purchase in your requests and no fees are associated with using the concierge's assistance.
- 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. Plus, peace of mind protection benefits like trip cancellation and interruption, auto rental car collision waiver, travel accident and baggage delay.
- 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.
Features
- Airport Lounge Access
- Auto Rental Insurance
- Balance Transfer
- Cash Back
- Concierge Service
- EMV
- Excellent Credit
- Extended Warranty Program
- Free Credit Score
- Good Credit
- Lost Luggage Reimbursement
- Mobile Pay Ready
- No Foreign Transaction Fees
- Points
- Price Protection
- Private Jet Access
- Purchase Protection
- Rewards
- Roadside Assistance
- Travel
- Travel Accident Insurance
- Travel Assistance
- Trip Cancellation Insurance
- TSA/Customs Reimbursement
- Unsecured credit card
- World Elite Mastercard®
- Zero Fraud Liability
Staff Review
Editor's Rating: 2.5 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. Check the best alternatives to this card |