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Mastercard® Black Card™

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This premium metal credit card comes with Priority Pass Select airport lounge access for you and unlimited guests, a $100 annual travel credit, a credit for a Global Entry or TSA PreCheck application, and thousands of dollars in potential hotel credits. It’s one of the heaviest credit cards you can get.

Our rating
Min. credit level: Excellent
Annual Fee: $495
Regular APR: 14.99% Variable
Intro Balance Transfer APR: 0% for 15 months

Mastercard® Black Card™

Our rating
Excellent Min. credit level
$495 Annual Fee
Apply Now Read our Review

Highlights & Features

Rewards

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

INTRODUCTORY BONUS

None

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 14.99% Variable
Balance Transfer Fee 3% ($5 min)
How to Transfer a Balance on a Credit Card

Fees

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 25.24% Variable
Cash Advance Fee 5% ($10 min)
How to Get a Cash Advance with a Credit Card
Mastercard® Black Card™

Highlights

  • 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).
  • Terms and conditions apply.
ABOUT THE ISSUER

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

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.