Luxury Card™ Mastercard® Black Card™

Luxury Card™ Mastercard® Black Card™

on Luxury Card's website

Luxury Card™ Mastercard® Black Card™

Luxury Card™ Mastercard® Black Card™

Luxury Card™ Mastercard® Black Card™

on Luxury Card's website

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Card details

  • 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.

  • 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. Includes credits at select airport restaurants for cardholder and one guest.

  • 24/7 Luxury Card Concierge®—available by phone, email and live mobile chat. Around-the-clock service to help you save time and manage tasks big and small.

  • 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.

  • Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard® benefits.

  • Annual Fee: $495 ($195 for each Authorized User). Terms and conditions apply.

Rates, fees & offers

  • Annual fee

    $495

  • Rewards rate

    1x

  • Bonus offer

    None

  • Intro APR

    0% intro APR on Balance Transfers for 15 billing cycles

  • Ongoing APR

    APR: 14.99%, Variable

    Cash Advance APR: 25.24%, Variable

  • Balance transfer fee

    Either $5 or 3% of the amount of each transfer, whichever is greater

  • Foreign transaction fee

    None

Recommended credit score

Compare to other cards

NerdWallet rating 
NerdWallet rating 
NerdWallet rating 
Annual fee

$495

Annual fee

$95

Annual fee

$0 intro for the first year, then $95

Regular APR

14.99% Variable APR

Regular APR

15.99%-22.99% Variable APR

Regular APR

13.99%-23.99% Variable APR

Rates & Fees

Intro APR

0% intro APR on Balance Transfers for 15 billing cycles

Intro APR

N/A

Intro APR

0% intro APR on Purchases for 12 months

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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NerdWallet review

By Erin Hurd

Rating details

3.7

Editor's overall rating

Pros and cons

Pros
  • Luxury perks

  • Anniversary perk

  • Lounge membership

  • Intro APR period

Cons
  • High annual fee

  • Low rewards rate

  • No new cardholder bonus offer

You don’t need an invitation to get this black card into your wallet, but it won’t feel any less luxurious than if you did.

The Luxury Card™ Mastercard® Black Card™ comes with a $495 annual fee, and you’ll get a $100 annual airline credit, Global Entry or TSA Precheck application fee credit, Priority Pass Select lounge membership and more.

The card earns 1 point per dollar spent, and points are worth 2 cents apiece for airfare redemptions, 1.5 cents apiece for cash back and 1 cent apiece for other redemptions.

For more information, see a closer look at this card.