Mastercard® Black Card™

For People with
Excellent Credit



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.

Card Quick Facts

Card Quick Facts

  • Stainless Steel – Patented Card Design
  • Luxury Card Rewards Program
  • 2% Value for Airfare Redemptions
  • 1.5% Value for Cash Back Redemptions
  • 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)
  • 16.99% Variable APR on Purchases and Transfers
  • 0% Introductory APR on balance transfers made in the first 45 days after account opening

For People with
Excellent Credit



Manage My Card

Want to pay a bill or check your balance?

Card Details



  • 1.5% cash back on all purchases when points are redeemed for statement credit
  • Double points when redeemed for airfare
  • Redeem points on cash back, gift cards, and more
How to Redeem

Introductory Bonus

  • None
Card Stats

Card Stats

Annual Fee $495
Additional Cards Annual Fee -
Regular Purchase APR 16.99% Variable
Intro Purchase APR -
Foreign Transaction Fee 0%
Chip Technology Chip-and-Signature
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score No
Penalty APR Up to 27.24% (Variable)
Late Fee Up to $37
Returned Payment Fee Up to $37
Balance Transfers

Balance Transfers

Intro Balance Transfer APR 0% for 15 months
Regular Balance Transfer APR 16.99% Variable
Balance Transfer Fee 3% ($5 min)
Cash Advances

Cash Advances

Cash Advance APR 27.24% Variable
Cash Advance Fee 5% ($10 min)

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

Visitor Reviews

Read about experiences others have had with this card and leave your own review here.

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Average rating:  
 3 reviews
by Jason
Enjoy my Black Card

Without question, this is a true metal credit card. I think they say its 4x the weight of a regular credit card, and in my line of work it really does create a conversation starter when I use it. The airline redemption is very easy and have not had any issue with blackout dates, expiration of points or seat restrictions. The concierge is definitely a service I am trying to use more, actually abuse more. They literally will do any research I need, flights, gift ideas, bus routes, traffic times. I know I have a smartphone, but sometimes I don't even want to do the research and its nice to offload that task on the 24/7 concierge. I went to Singapore for business last month, and I know I could have done my research myself, but it was nice to have a dedicated and local individual offer the places I should consider taking my clients to dinner there. Took 5 minutes while getting ready in my hotel room and I was done. Researching would have taken a whole lot longer and been a larger headache. I get my $495 worth just from turning this service into a personal assistant.

by louis j hubaud
service is lacking

terrible service . staff never gives you the same answer. they appear to be lacking training . management is also lacking. I requested to to speak to a supervisor about this .im still waiting for a supervisor to call me

by Ken Grant
Amex Platinum vs Black Mastercard

I have both. I have not seen the high limits of the black mastercard as mentioned. the credit lines start at $5000 and go up from there. The concierge is excellent from what i have seen in both. I think however, the Ritz Visa infinite by Chase is a much better overall value than the black mastercard AND they are much much more generous with the starting credit lines. Amex is my favorite but i have never had the Amex black.

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