Rated 4.5/5 stars by our editorial team
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4.0/5.0 from 6 Offer Ratings
Over the Past 60 Days!
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.
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)
$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
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.
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.
Vast array of luxury benefits.
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.
6 Total Ratings