Luxury Card™ Mastercard® Black Card™
on Luxury Card's website
Luxury Card™ Mastercard® Black Card™
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
Annual fee$495 | Annual fee$95 | Annual fee$0 intro for the first year, then $95 |
Regular APR14.99% Variable APR | Regular APR15.99%-22.99% Variable APR | |
Intro APR0% intro APR on Balance Transfers for 15 billing cycles | Intro APRN/A | Intro APR0% intro APR on Purchases for 12 months |
Recommended Credit Score |
Recommended Credit Score |
Recommended Credit Score |
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.
