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Mastercard® Black Card™
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Mastercard® Black Card™

Our rating:2.5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

Excellent

CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply now at Luxury Card's secure site
Reward Rates
2%2% value for airfare redemption with no airline or seat restrictions and no blackout dates
1.5%Flat-rate redemption value of 1.5% for cash back
1XEarn one point for every one dollar spent.
Balance Transfers Intro APR
0%
Purchases Intro APR
N/A
Regular APR
21.24%, 25.43% or 28.24%
Annual Fee
$495 ($195 for each Authorized User added to the account)

Highlights

  • Ideal for those seeking a premium travel card that doubles as an everyday workhorse, paired with elevated service beyond the ordinary. Leave behind the hassle of juggling various cards and monthly statements, while finding peace of mind with protection benefits that exceeds standard credit cards.
  • Flat-rate redemption value of 1.5% for cash back or 2% value for airfare redemption with no airline or seat restrictions and no blackout dates. Earn one point for every dollar spent. Straightforward redemption without needing a high-maintenance reward strategy. No foreign transaction fees, no earning caps, no rotating categories, and no need to chase down transfer partners to escape very low point values.
  • 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. The credit amount is available in full at the start of the calendar year.
  • Up to a $100 application fee credit for the cost of TSA PreCheck® 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® - Make requests the way you want by phone, email, SMS and chat in the app. Connect directly with a real agent and receive 24/7 assistance for tasks big and small. Requests do not require a purchase, incure no charge for making them, and do not involve department transfers.
  • 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. Receive 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.
  • Black PVD-Coated Metal Card: Weighing in at an industry-leading 22g. Designed for frequent shoppers, big ticket purchases and everything in between.
  • Annual Fee: $495 ($195 for each Authorized User). Terms and conditions apply.

Features

  • Airport Lounge Access
    Airport Lounge Access
  • Auto Rental Insurance
    Auto Rental Insurance
  • Balance Transfer
    Balance Transfer
  • Cash Back
    Cash Back
  • Concierge Service
    Concierge Service
  • EMV
    EMV
  • Excellent Credit
    Excellent Credit
  • Free Credit Score
    Free Credit Score
  • Good Credit
    Good Credit
  • Mobile Pay Ready
    Mobile Pay Ready
  • No Foreign Transaction Fees
    No Foreign Transaction Fees
  • Points
    Points
  • Private Jet Access
    Private Jet Access
  • Rewards
    Rewards
  • Roadside Assistance
    Roadside Assistance
  • Travel
    Travel
  • Travel Accident Insurance
    Travel Accident Insurance
  • Travel Assistance
    Travel Assistance
  • Trip Cancellation Insurance
    Trip Cancellation Insurance
  • TSA/Customs Reimbursement
    TSA/Customs Reimbursement
  • Unsecured credit card
    Unsecured credit card
  • World Elite Mastercard®
    World Elite Mastercard®
  • Zero Fraud Liability
    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

Read full review

All reviews are prepared by CreditCards.com staff. Opinions expressed therein are solely those of the reviewer. The information, including card rates and fees, presented in the review is accurate as of the date of the review.