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Those who always pay their balances in full and on time will usually come out ahead.
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- Regular Purchase APR 19.74% to 27.74% Variable, based on your creditworthiness and other factors
- Intro Purchase APR N/A
- 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. After that, (and for balance transfers that do not post within 45 days of account opening) the APR will be 19.74% to 27.74% Variable, based on your creditworthiness and other factors. This APR will vary with the market based on the Prime Rate.
- Annual Fee $699 ($249 for each Authorized User added to the account)
- Credit Needed Excellent
- Card Brand Mastercard®
- Regular Purchase APR 19.74% to 27.74% Variable, based on your creditworthiness and other factors
- Intro Purchase APR N/A
- 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. After that, (and for balance transfers that do not post within 45 days of account opening) the APR will be 19.74% to 27.74% Variable, based on your creditworthiness and other factors. This APR will vary with the market based on the Prime Rate.
- Annual Fee $699 ($249 for each Authorized User added to the account)
- Credit Needed Excellent
- Card Brand Mastercard®
Highlights
- Click APPLY NOW to apply online.
- Redeem at 2% value for airfare and 1.5% for cash back. Just 50,000 points will get you a $1,000 ticket on any airline or $750 cash back, issued as a direct deposit statement credit.
- Earn 2X points on Airfare and Hotel reservations booked through LuxuryCardTravel.com. One point for every one dollar you spend for all other categories, earning points every time you spend.
- $200 Annual Airline Credit: Receive up to $200 in annual air travel credits toward flight-related purchases, including airline tickets, baggage fees, upgrades and more.
- $100 Annual Dining Credit: Get up to $100 in annual statement credits when you use your Luxury Card at qualifying restaurants.
- Receive up to $120 reimbursment credit for a Global Entry or TSA PreCheck® application fee. Global Entry includes access to TSA PreCheck® with no additional application or fee required.
- 24/7 Luxury Card Concierge®: Exclusive to Cardmembers. Your busy life never stops, and neither do our Luxury Card Concierge agents. Enjoy around-the-clock lifestyle management and planning support tailored to your specific needs—and designed to save you time. Our personalized one-on-one service delivers solutions, suggestions and even surprises to make every day exceptional. Book the trip. Get the reservations. Score the tickets.
- With your Luxury Card, enjoy complimentary access to over 1,700 airport lounges and travel experiences in more than 600 cities across 145 countries with Priority Pass™ Select . Access includes unlimited visits for yourself as well as your guests.
- Black-PVD-Coated Metal Card and Made of Stainless Steel®: Beautifully crafted and exceptionally premium, Luxury Card is a statement piece designed to stand out in the most refined way. Weighing in at an impressive 22 grams, its stainless steel, contactless patented card design and metal construction raises the standard. Carry a card with distinction.
- Exclusive Luxury Card Travel® benefits—average value of $500 per stay (e.g., resort credits, room upgrades, free wifi, breakfast for two and more) at over 3,000 properties. Receive protection benefits like trip cancellation and interruption, auto rental car collision waiver, travel accident and baggage delay. Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard® benefits.
- Annual Fee: $699 ($249 for each Authorized User). Terms and conditions apply.
Card Fees
Foreign Transaction Fee
0% of each transaction in U.S. dollars.
Balance Transfer Fee
Either $5 or 5% of the amount of each transfer, whichever is greater.
Penalty APR
N/A
Ongoing Information
Rewards Rate
2 points for every $1 spent on Airfare and Hotel reservations booked through LuxuryCardTravel.com. 1 point for every $1 spent on all purchases. 2% Value for Airfare Redemptions. 1.5% Value for Cash Back Redemptions. Terms and Conditions Apply.
Annual Fee
$699 ($249 for each Authorized User added to the account)
Expert Reviews
From the CompareCards.com Editorial Team, updated on Nov 12, 2025
The Mastercard® Black Card® is a Luxury credit card offered by Barclays bank. This heavy-duty card carries serious status and is teeming with over-the-top luxury benefits. Cardmembers get complimentary VIP airport lounge access with Priority Pass™, 24/7 Luxury Card concierge service and exclusive travel benefits that may include complimentary room upgrades and other amenities at properties in the Luxury Card Travel program. Cardmembers also get cell phone protection.
Cardmembers get 2 points for every $1 spent on Airfare and Hotel reservations booked through LuxuryCardTravel.com. 1 point for every $1 spent on all purchases. 2% Value for Airfare Redemptions. 1.5% Value for Cash Back Redemptions. Terms and Conditions Apply.
There is an Annual Fee of $699 ($249 for each Authorized User added to the account). That gets offset some by the annual airline credit that's worth up to $200, the $120 Global Entry or TSA PreCheck® application reimbursement 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) the APR will be 19.74% to 27.74% Variable, based on your creditworthiness and other factors. 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. Terms and conditions apply.
Expert Reviews of Mastercard® Black Card®
The Bottom Line
This card offers a solid rewards rate for airfare redemption. Redeem airline tickets 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 can 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 Luxury Card. 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 Luxury Card.
Consumer Reviews
OFFER RATING
/5.0
Related Card Offers
Our pick for choosing your own cash back rewards
- Intro APR 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 17.74% - 27.74% Variable APR will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. Balance transfers may not be used to pay any account provided by Bank of America.
- Sign-Up Bonus $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
- Rewards Rate 6% cash back for the first year in the category of your choice, 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category. Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
- Annual Fee $0
- Credit Needed Good / Excellent
- Card Brand Visa®
- Intro APR 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 17.74% - 27.74% Variable APR will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. Balance transfers may not be used to pay any account provided by Bank of America.
- Sign-Up Bonus $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
- Rewards Rate 6% cash back for the first year in the category of your choice, 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category. Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
- Annual Fee $0
- Credit Needed Good / Excellent
- Card Brand Visa®
Highlights
- Click APPLY NOW to apply online.
- Earn 6% cash back for the first year in the category of your choice: gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement and furnishings. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category.
- Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- With the Bank of America Preferred Rewards® program, members can earn 25%-75% more cash back on every purchase. That means the 3% choice category could go up to 3.75%-5.25%. The Preferred Rewards bonus is not applied to the 3% first-year bonus.
- No annual fee and cash rewards don’t expire as long as your account remains open.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.74% - 27.74% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. Balance transfers may not be used to pay any account provided by Bank of America.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
See additional details for Bank of America® Customized Cash Rewards credit card
Our pick for doubling your cash back
68,965 users have viewed this card in the last 30 days.
- Rewards Rate Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
- Intro Balance Transfer APR 0% intro APR for 18 months on Balance Transfers
- Regular Purchase & BT APR 17.49% - 27.49% (Variable)
- Annual Fee $0
- Credit Needed Good / Excellent
- Card Brand Mastercard®
- Rewards Rate Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
- Intro Balance Transfer APR 0% intro APR for 18 months on Balance Transfers
- Regular Purchase & BT APR 17.49% - 27.49% (Variable)
- Annual Fee $0
- Credit Needed Good / Excellent
- Card Brand Mastercard®
Highlights
- Click APPLY NOW to apply online.
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 17.49% - 27.49%, based on your creditworthiness.
- Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
- Rates & Fees
See additional details for Citi Double Cash® Card
Our pick for best unlimited travel rewards card
- Sign-Up Bonus 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases
- Flexible Redemption Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
- Rewards Rate 1.5 points per $1 spent on all purchases. 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
- Annual Fee $0
- Credit Needed Good / Excellent
- Card Brand Visa®
- Sign-Up Bonus 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases
- Flexible Redemption Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
- Rewards Rate 1.5 points per $1 spent on all purchases. 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
- Annual Fee $0
- Credit Needed Good / Excellent
- Card Brand Visa®
Highlights
- Click APPLY NOW to apply online.
- 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
- Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
- Earn 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
- Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
- Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.74% - 27.74% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. Balance transfers may not be used to pay any account provided by Bank of America.
- If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases. You could earn 3.75-5.25 points for every $1 you spend on travel purchases made through the Bank of America Travel Center.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
See additional details for Bank of America® Travel Rewards credit card
Methodology
Our editors take a comprehensive, data-driven approach to identify the best credit cards in various categories. We use an objective rating and ranking system that evaluates over 100 credit cards from more than 50 issuers. While this site receives compensation from companies listed here, this does not influence our ratings or reviews. Learn more here.
