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 15.74% (Variable)
  • Cash Advance APR 25.99% (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.

Perks

  • 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.

Security

  • Zero Liability Protection

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

Shopping

  • 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.

Travel

  • 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

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Average rating:  
 2 reviews
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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