- 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
- Auto Rental Insurance
- Balance Transfer
- Cash Back
- Concierge Service
- EMV
- Excellent Credit
- Free Credit Score
- Good Credit
- Mobile Pay Ready
- No Foreign Transaction Fees
- Points
- Private Jet Access
- 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 |