Mastercard® Black Card™

Mastercard® Black Card™ review

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Advertiser Disclosure

Interest Rate: Purchases
17.24%
Balance Transfer
17.24% (0% for the first 15 months)
Rewards
1 point
Signup Bonus
-


7.6/10
Informr score
The Mastercard® Black Card™ currently has an Informr score of 7.6 out of 10. This score is based on our evaluation of 8 sources including reviews from users and the web's most trusted critics.

Am I eligible?


Mastercard® Black Card™ is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


LendEDU

If you’re looking for unique, status-based perks, the Luxury Mastercard Black card can be a good choice. There’s some special features that make it worth it, especially if you spend enough to redeem for a $1,000 plane ticket each year or if you take advantage of the concierge service. However, there...

- Miranda Marquit, LendEDU
Cardcruncher

For the average person interested in a premium travel card, the Mastercard Black Card provides the best value. The Mastercard Black Card offers all the travel perks you’d expect from a high-end card, including travel insurance and rental car insurance, baggage delay coverage and a concierge service...

- Cardcruncher
CreditDonkey

The Mastercard Black Card is not for those concerned with getting maximum value. It's a luxury product aimed to impress while delivering solid perks and a premium time saving user experience.

- Anna G, CreditDonkey
Cardcruncher

The Mastercard® Black Card™ offers a fair amount of value to frequent travelers, but the high annual fee and lower cash-back redemption rate won’t be great if you fly once or twice per year. As with any card that charges an annual fee, the Mastercard® Black Card™ requires a bit of estimating to figu...

- Kailey Fralick, Cardcruncher
CreditCards.com

The Mastercard Black Card is your best bet for over-the-top luxury benefits, but its rewards program falls short.

- Robin Ratcliff, CreditCards.com

Details


Interest Rates
Regular APR Interest Rate 17.24%

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 17.24% (0% for the first 15 months)
  • Intro rate applies on balances transferred within the first 45 days of account opening.
  • This APR will vary with the market based on the Prime Rate.
Cash Advance Interest Rate 27.49%

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $495.00
Balance Transfer Fee 3%

Minimum of $5

Cash Advance Fee 5%

Minimum of $10

Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $37.00

Maximum

Promotions
Sign up bonus No
Rewards
All Purchases 1 point per $1 spent
Restaurants No
Gas No
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Additional Details
  • Double Points when Redeemed for Airfare
  • Redeem at 1.5% Value for Cash Back
  • $100 Annual Airline Credit Toward Qualifying Airline Purchases
  • $100 Global Entry Application Fee Credit
  • Members-Only Luxury Magazine
Features & Benefits
Additional Card Holders Yes

$195 for each Authorized User added to the account

Travel Accident Insurance Yes
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty Yes
Purchase Protection Yes
Zero Liability Yes
No Foreign Transaction Fees Yes
Emergency Assistance Yes
Concierge Service Yes
Price Protection Yes
Fraud Protection Yes
Free Credit Scores No
Wireless Payments Apple Pay, Android Pay
Additional Benefits
  • Baggage Delay Insurance
  • Return Protection
  • Trip Cancellation and Interruption
  • VIP Airport Lounge Access with Priority Pass Select
  • Global Entry & TSA Pre✓ Application Credit
Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
More
Additional comments
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

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Critic Reviews


LendEDU

A solid choice, especially if you travel regularly

from LendEDU

If you’re looking for unique, status-based perks, the Luxury Mastercard Black card can be a good choice. There’s some special features that make it worth it, especially if you spend enough to redeem for a $1,000 plane ticket each year or if you take advantage of the concierge service. However...More

If you’re looking for unique, status-based perks, the Luxury Mastercard Black card can be a good choice. There’s some special features that make it worth it, especially if you spend enough to redeem for a $1,000 plane ticket each year or if you take advantage of the concierge service. However, there are other premium credit cards that offer you more flexible (and even more valuable) rewards without costing as much.

Read full review

Less

Cardcruncher

Strikes a fair balance between cost and value, and should interest frequent travelers

For the average person interested in a premium travel card, the Mastercard Black Card provides the best value. The Mastercard Black Card offers all the travel perks you’d expect from a high-end card, including travel insurance and rental car insurance, baggage delay coverage and a concierge ser...More

For the average person interested in a premium travel card, the Mastercard Black Card provides the best value. The Mastercard Black Card offers all the travel perks you’d expect from a high-end card, including travel insurance and rental car insurance, baggage delay coverage and a concierge service that helps you book travel. You may also be eligible for perks like room upgrades or spa credits at hotels when you book with Luxury Card Travel.

Read full review

Less

CreditDonkey

For frequent travelers and big spenders

from CreditDonkey

The Mastercard Black Card is not for those concerned with getting maximum value. It's a luxury product aimed to impress while delivering solid perks and a premium time saving user experience.

Read full review

The Mastercard Black Card is not for those concerned with getting maximum value. It's a luxury product aimed to impress while delivering solid perks and a premium time saving user experience.

Read full review

Less

Cardcruncher

High-end perks, but with a high annual fee

from Cardcruncher

The Mastercard® Black Card™ offers a fair amount of value to frequent travelers, but the high annual fee and lower cash-back redemption rate won’t be great if you fly once or twice per year. As with any card that charges an annual fee, the Mastercard® Black Card™ requires a bit of estimat...More

The Mastercard® Black Card™ offers a fair amount of value to frequent travelers, but the high annual fee and lower cash-back redemption rate won’t be great if you fly once or twice per year. As with any card that charges an annual fee, the Mastercard® Black Card™ requires a bit of estimating to figure out if you’ll reap enough rewards to offset its annual fee.

Read full review

Less

CreditCards.com

Mostly style over substance

from CreditCards.com

The Mastercard Black Card is your best bet for over-the-top luxury benefits, but its rewards program falls short.

Read full review

The Mastercard Black Card is your best bet for over-the-top luxury benefits, but its rewards program falls short.

Read full review

Less

UponArriving

Luxury travel card

from UponArriving

Not a strong rewards card because there are much more practical alternatives that provide you with the same benefits and often for much cheaper. Instead, this card is for someone who is drawn to the prestige of the Black Card brand and is looking to impress.

Read full review

Not a strong rewards card because there are much more practical alternatives that provide you with the same benefits and often for much cheaper. Instead, this card is for someone who is drawn to the prestige of the Black Card brand and is looking to impress.

Read full review

Less

Bankrate

OK perks for the steep price

from Bankrate

If you can afford a pricey rewards card and want all the plush perks that go along with it, do yourself a favor and get one that also gives you a big sign-up bonus.

Read full review

If you can afford a pricey rewards card and want all the plush perks that go along with it, do yourself a favor and get one that also gives you a big sign-up bonus.

Read full review

Less

AskSebby

Doesn’t have any redeeming benefits unlike the competition

If you’re looking for a good travel credit card, this is not the right card for you. This card doesn’t make any sense because there are similar cards that lower effective annual fees with better perks and sign up bonuses.

Read full review

If you’re looking for a good travel credit card, this is not the right card for you. This card doesn’t make any sense because there are similar cards that lower effective annual fees with better perks and sign up bonuses.

Read full review

Less

User Reviews


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