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Mastercard® Black Card™

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Our rating
Credit range: Excellent
Annual Fee: $495
Regular APR: 16.49% Variable
Intro Balance Transfer APR: 0% for 15 months

Mastercard® Black Card™

Our rating
Excellent Credit range
$495 Annual Fee
Apply Now Read our Review

Highlights & Features


  • 1X point per dollar for all purchases
    • Cash back redemption value: 1.5% cash back
    • Airfare redemption value: 2% cash back



Balance Transfers

A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.

Intro Balance Transfer APR 0% for 15 months
Regular Balance Transfer APR 16.49% Variable
Balance Transfer Fee 3% ($5 min)
How to Transfer a Balance on a Credit Card


Penalty APR Up to 27.24% (Variable)
Late Fee Up to $37
Returned Payment Fee Up to $37
Additional Cards Annual Fee $195
Foreign Transaction Fee 0%
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR 26.74% Variable
Cash Advance Fee 5% ($10 min)
How to Get a Cash Advance with a Credit Card

Luxury Card

Luxury Card has several card types depending on your needs.

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-844-589-2773 or

Try a different phone number
See all Issuer Cards
Mastercard® Black Card™


  • Stainless Steel – Patented Card Design
  • Luxury Card Rewards Program
  • 2% Value for Airfare Redemptions
  • 1.5% Value for Cash Back Redemptions
  • Complimentary, automatic Priority Pass Select membership offers unlimited lounge access for cardholder, authorized users, and guests
  • 24/7 Luxury Card ConciergeTM
  • Exclusive Luxury Card Travel Benefits
  • $100 Annual Airline Credit Toward Qualifying Purchases
  • $100 Global Entry Application Fee Credit
  • Luxury Gifts
  • Members-Only LUXURY MAGAZINE
  • Annual Fee: $495 ($195 for each Authorized User)
  • 0% Introductory APR on balance transfers made in the first 45 days after account opening (then 16.99%)

The Mastercard® Black Card™ is geared toward the luxury traveler with excellent credit, featuring generous airline rewards, VIP travel perks, and added protections on travel and purchases. However, the price is a hefty annual fee.

This card is constructed with stainless steel on the front and carbon in the back.