Mastercard® Black Card™

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.

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  • Rewards
    • 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
  • Signup Bonus None
  • Chip Technology Chip-and-Signature
  • Foreign Transaction Fee 0%
  • Intro Balance Transfer APR 0% for 15 months
  • Regular Balance Transfer APR 16.74% Variable
  • Cash Advance APR 26.99% Variable
  • Penalty APR Up to 27.24% (Variable)
  • Late Fee Up to $37
  • Returned Payment Fee Up to $37

Card Benefits

Check your card's Guide to Benefits to learn the specific benefits your card offers and how to access them. Learn more about credit card benefits here.


  • Luxury Card Concierge

    Enjoy 24/7 access to a personal concierge assistant for all kinds of non-emergency help

  • $100 Annual Airline Fee Credit

    Each year you’ll receive a $100 credit for flight-related expenses

  • $100 Global Entry Application Credit

    Apply for Global Entry for free and avoid the wait at customs

  • VIP Airport Lounge Program

    Complimentary membership with unlimited visits to 495+ lounges in 200 cities worldwide. Cardholders must enroll in this program.

  • Global Luggage Delivery

    Send your bags ahead of time to almost any destination in the world

  • Luxury Car Rental

    Get better prices and upgrades at select car rental partners.

  • VIP Treatment

    At 3,000+ hotels, resorts and villas across the globe. Includes spa treatments, room upgrades, complimentary breakfast, early check-in, late check-out and more.

  • Cruise Privileges

    Enjoy complimentary services and amenities at over 20 cruise lines.

  • Charter Services

    Relax by chartering your own private jet or yacht, for just a day or over a week.

  • Chauffeured Transportation

    Professional chauffeurs are waiting 24/7 to bring you anywhere you need to go in style.

  • Luxury Gifts

    You’ll receive luxury gifts from some of the world’s top brands.

  • Subscription to Luxury Magazine

    An exclusive magazine for the affluent, covering travel, fashion, technology, real estate, and more.

  • Mastercard Priceless® Services

    Enjoy exclusive, once-in-a-lifetime experiences in the Priceless Cities and Priceless Golf programs.

Account Management

  • Add Authorized Users

    $195 annual fee for each authorized user that is added to your account.


  • Zero Liability Protection

    You will not be held responsible for unauthorized use of your card.


  • Purchase Protection

    Items purchased with your card are protected against accidental damage and theft within 90 days of the purchase.

  • Extended Warranty

    You can get up to one extra year added to the original manufacturer’s warranty.


  • Mastercard® Global Service™

    Provides card services around the world, like lost/stolen card reporting, emergency card replacement, and emergency cash advances.

  • MasterAssist™ Black

    Provides emergency travel assistance when traveling 100 miles or more from home, along with baggage loss, trip delay, and trip interruption insurance.

  • MasterRental™

    Provides coverage against physical damage and theft of rented vehicles, as long as the rental company’s own insurance is declined.

  • MasterTravel™

    Provides coverage against accidental death or dismemberment for you, your spouse, and eligible dependent children.

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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