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Mastercard® Black Card™

Mastercard® Black Card™

 

Rated 4.5/5 stars by our editorial team

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Your Rating:

4.0/5.0 from 6 Offer Ratings
Over the Past 60 Days!

(6) Over the Past 60 Days!

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  • Regular Purchase APR 14.99%
  • Intro Purchase APR 14.99%
  • Intro BT APR 0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening.
  • Annual Fee $495 ($195 for each Authorized User added to the account)
  • Credit Needed

    Excellent/Very Good

  • Card Brand Mastercard®

Card Details

Highlights

  • Click "APPLY NOW" to apply online
  • 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 & Conditions Apply.

Card Fees

Foreign Transaction Fee 0% of each transaction in U.S. dollars.

Balance Transfer Fee Either $5 or 3% of the amount of each transfer, whichever is greater.

Cash Advance Fee Either $10 or 5% of the amount of each cash advance, whichever is greater.

Ongoing Information

Rewards Rate 2% value for airfare redemptions and 1.5% value for cash back redemptions

Annual Fee $495 ($195 for each Authorized User added to the account)

Additional Card Details

$0 Fraud Liability No

Auto Rental Insurance Yes

Extended Warranty Program No

Roadside Assistance No

Purchase Protection No

Travel Assistance No

Flight Accident Insurance Yes

Lost Luggage Reimbursement Yes

Concierge Service Yes

Expert Reviews

From the CompareCards.com Editorial Team

The Mastercard® Black Card™ is a Luxury credit card offered by Barclays bank. This black stainless steel and carbon metal card carries status and is teeming with over the top luxury benefits. Card holders get complimentary VIP airport lounge access with Priority Pass, 24/7 Luxury Card concierge service and exclusive travel benefits like complimentary food and beverages, room upgrades, resort or spa credits and welcome amenities at properties in the Luxury Card Travel program. Cardholders also get cell phone protection, Lyft credits, Postmates discounts and Fandango perks.

Cardholders earn one 1 point for every one dollar spent. Get a 2% value for airfare redemptions and 1.5% value for cash back redemptions.

There is a $495 ($195 for each Authorized User added to the account). That is offset by the valuable $100 annual airline credit and $100 Global Entry and TSA Pre-Check✓® application fee credit and the airport lounge membership. 

This card offers 0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening. After that, (and for balance transfers that do not post within 45 days of account opening) your APR will be 14.99%. This APR will vary with the market based on the Prime Rate. Not all premium cards offer 0% intro APR on balance transfers, so this is a welcome feature for anyone who wants to transfer a balance and save money on interest payments. 

Expert Reviews of the Mastercard® Black Card™

  • 4.5

    Regular APR

  • 4.5

    Intro APR

  • 3.0

    Fees

  • 4.0

    Benefits

  • star rating 4.5/5

    Overall Rating

The Bottom Line

The rewards rate at 2% for airline redemption is solid. Redeem for any airlines with no blackout dates. The real value in the Luxury cards are the massive array of benefits and features that come along with the high status Luxury cards. If you travel frequently, the airport lounge access can significantly improve your travel experience. There are no foreign transaction fees, which will save you up to 3% when you travel abroad.

The Good

Vast array of luxury benefits.

The Not so Good

No sign up bonus.

Editorial Note: This content is not provided by Barclays. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Barclays.

Consumer Reviews

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Offer Rating

4.0/5.0

6 Total Ratings

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