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

  • Ideal for those seeking a premium travel card that doubles as an everyday workhorse, paired with elevated service beyond the ordinary. Leave behind the hassle of juggling various cards and monthly statements, while finding peace of mind with protection benefits that exceeds standard credit cards.

  • Flat-rate redemption value of 1.5% for cash back or 2% value for airfare redemption with no airline or seat restrictions and no blackout dates. Earn one point for every dollar spent. Straightforward redemption without needing a high-maintenance reward strategy. No foreign transaction fees, no earning caps, no rotating categories, and no need to chase down transfer partners to escape very low point values.

  • Annual Airline Credit—up to $100 in statement credits toward flight-related purchases including airline tickets, baggage fees, upgrades and more. Just pay for airline purchases with your Mastercard Black Card and we will automatically apply the credit to your account. That’s it. No need to activate or designate an airline. The credit amount is available in full at the start of the calendar year.

  • Up to a $100 application fee credit for the cost of TSA Pre✓® or Global Entry. Also, enjoy automatic enrollment in Priority Pass™ Select with access to 1,300+ airport lounges worldwide with no guest or lounge limits. Includes credits at select airport restaurants for cardholder and one guest.

  • 24/7 Luxury Card Concierge®—Make requests the way you want by phone, email, SMS and chat in the app. Connect directly with a real agent and receive 24/7 assistance for tasks big and small. Requests do not require a purchase, incur no charge for making them, and do not involve department transfers.

  • 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. Receive protection benefits like trip cancellation and interruption, auto rental car collision waiver, travel accident and baggage delay. Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard® benefits.

  • Black PVD-Coated Metal Card: Weighing in at an industry-leading 22g. Designed for frequent shoppers, big ticket purchases and everything in between.

  • 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: 21.24%, 25.43% or 28.24%, Variable APR

    Cash Advance APR: 30.49%, Variable APR

  • Balance transfer fee

    Either $5 or 5% 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 
Learn moreLearn more
Annual fee

$495

Annual fee

$99

Annual fee

$199

Regular APR

21.24%, 25.43% or 28.24% Variable APR

Regular APR

21.24%-29.99%, Variable APR

Rates & Fees

Regular APR

See Terms

Intro APR

0% intro APR on Balance Transfers for 15 billing cycles

Intro APR

0% intro APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable APR will apply, 21.24%-29.99%.

Intro APR

N/A

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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NerdWallet review

By Erin Hurd

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

Rating details

1.9

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.