You should know that in some cases, we may receive compensation when you click on links or purchase through links on this site. This is at no extra cost to you. It lets us operate the business and keep the service free for everyone. Here's How We Make Money.
In some cases, offers that appear are from paying advertisers. These offers are labeled as "Sponsored" or as "Advertisement".
This site does not include all companies and offers available. We are an independent comparison service. While we aim to provide you with the most accurate information and keep things up to date, prices and terms of products and services can change. We encourage you to always do your own research and double check the terms. Using the information on this site is at your own risk and without warranty.
The Luxury Card™ Mastercard® Black Card™ currently has an Informr score of 7.7 out of 10.
This score is based on our evaluation of 14
sources including reviews from users and the web's most trusted critics.
Patented black-PVD-coated metal card—weighing 22 grams.
2% value for airfare redemptions with no blackout dates or seat restrictions. 1.5% value for cash back redemptions. Earn one point for every one dollar spent.
24/7 Luxury Card Concierge®—available by phone, email and live mobile chat. Reach out to manage tasks big and small.
Exclusive Luxury Card Travel® benefits—average value of $500 per stay (e.g., amenities, room upgrades and complimentary food and beverages) at over 3,000 properties.
Annual Airline Credit—up to $100 in statement credits toward flight-related purchases including airline tickets, baggage fees, upgrades and more. Up to a $100 application fee credit for the cost of TSA Pre✓® or Global Entry.
Enrollment in Priority Pass™ Select with access to 1,300+ airport lounges worldwide with no guest limit.
Cell phone protection for eligible claims of up to $1,000 each year. Plus Lyft credits, ShopRunner membership, Fandango perks and more.
Annual Fee: $495 ($195 for each Authorized User). Terms and conditions apply.
No signup bonus
Low rewards rate
High fee for each authorized user
Am I eligible?
Luxury Card™ Mastercard® Black Card™ is typically available to those with
credit scores (650 or greater).
To get this card, you must also:
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...
The Mastercard Black Card's biggest selling point is its redemption value. Compared to other travel rewards cards, this card outstrips the competition in terms of making points go as far as possible when redeeming for airfare. That makes it a potentially good fit for someone who wants to get the mos...
- Rebecca Lake, MyBankTracker
The Black Card’s best features are its yearly rewards total and its interest rate. The yearly rewards are at their strength when you redeem them for airline purchases through Mastercard’s luxury portal. Also, the Black Card has the best APR. However, we think that the analysis reveals the Black Card...
- J.R. Duren, HighYa
While some people may want this card for the perceived prestige of having a black card that’s made of metal (stainless steel to be exact), it comes with some great benefits that can go a long way toward justifying the annual fee. But you can likely get the same or better perks with other cards, with...
- Brendan Harkness, Credit Card Insider
This is an excellent card for travelers who value choice travel perks, high-touch service and convenience, and rewards on all eligible purchases, every day – including those who want to preserve their rewards options vis-à-vis cash back redemptions.
- Brian Martucci, Money Crashers
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...
$195 for each Authorized User added to the account
Travel Accident Insurance
Car Rental Insurance
Car Rental Discount
No Foreign Transaction Fees
Free Credit Scores
Apple Pay, Google Pay
Up to $100 annual airline credit
$100 Global Entry & TSA Pre✓® Application Credit
Exclusive Luxury Card Travel® benefits (e.g., amenities, room upgrades and complimentary food and beverages).
Complimentary Priority Pass Select
Luxury Gift Program
Members-Only Luxury Magazine
Luxury Card Experiences®
Luxury Card App
Create a Boxed account and use your Luxury Card World Elite Mastercard to earn 5% cash rewards on eligible Boxed orders for use on future purchases.
Get $10 Lyft credit when you enroll and take 5 eligible rides in a month.
Receive free 2-day shipping and free return shipping on eligible purchases when you sign up for a complimentary ShopRunner membership
Get rewarded even faster on eligible purchases when you join Fandango VIP. Earn double the points for the tickets you buy with your Luxury Card World Elite Mastercard, 250 points per ticket. Rack up 500 points and earn a $5 VIP + reward.
Disclaimer: All products, logos, images and trademarks are the property of their respective owners. Content is not provided or commissioned by any company mentioned. Any views, analyses, or recommendations expressed here are those of the author's alone, and may not have been reviewed, approved or otherwise endorsed by any company mentioned.
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.
The Informr is an independent, advertising supported website and may receive compensation for sponsorships or when you click on certain affiliated links.
Use this card?
Help inform others by sharing your experience with Luxury Card™ Mastercard® Black Card™