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Mastercard® Black Card™ Review
Pros & Cons
Enjoy access to luxury benefits with your brushed stainless steel card, such as an annual $100 airfare credit to offset incidental charges.- Redeem your points for airfare at a 2 percent value – that means that 50,000 points are worth a $1,000 flight.
- Take advantage of 15 billing cycles of no interest on balance transfers made within 45 days of account opening.
- While this card comes with plenty of luxury perks, you'll pay for them. The annual fee isn't for everyone and you'll pay for each authorized user, too. If you won't put the perks and features to good use, consider a lower annual fee or even no-annual-fee option.
Top Features
Rewards
1.5% Value for Cash Back Statement Credit Redemptions
Bonus Rewards
2% Value for Airfare Redemptions
Regular APR
17.24% Variable
Annual Fee
$495
This card compared to other travel rewards cards
Rewards
1.5% Value for Cash Back Statement Credit Redemptions
Earn 9 points total per $1 spent at Hyatt - 4 Bonus Points per $1 when you use your card at Hyatt hotels & 5 Base Points per $1 you can earn as a World of Hyatt member
Earn 2 miles per $1 spent at restaurants, on hotel stays and on purchases from United. 1 mile per $1 spent on all other purchases
Bonus Rewards
2% Value for Airfare Redemptions
Earn up to 50,000 Bonus Points - 25,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening. Plus an additional 25,000 Bonus Points after you spend a total of $6,000 on purchases within the first 6 months of account opening.
Earn 40,000 bonus miles after you spend $2,000 on purchases in the first 3 months your account is open
Regular APR
17.24% Variable
18.24% - 25.24% Variable
18.24% - 25.24% Variable
Annual Fee
$495
$95
$95
CardRatings.com Editorial Staff
Mastercard® Black Card™ details
Balance Transfer Intro APR
0% introductory APR
Balance Transfer Intro Period
for the first 15 billing cycles on balance transfers made in the first 45 days after account opening; After intro will be 17.24%
Purchase Intro
APR:
N/ARegular APR
17.24% Variable
Annual Fee
$495
What Luxury Card says about this card
- Stainless Steel - Patented Card Design
- Luxury Card Rewards Program
- 2% Value for Airfare Redemptions
- 1.5% Value for Cash Back Redemptions
- 24/7 Luxury Card ConciergeTM
- Exclusive Luxury Card Travel Benefits
- $100 Annual Airline Credit Toward Qualifying Purchases
- $100 Global Entry Application Fee Credit
- Luxury Gifts
- Members-Only LUXURY MAGAZINE
- Annual Fee: $495 ($195 for each Authorized User)
- 17.24% Variable APR on Purchases and Transfers
- 0% introductory APR for the first fifteen billing cycles on balance transfers made in the first 45 days after account opening; After intro will be 17.24%
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Highlighted offers
Currently available on the Mastercard® Black Card™
0% introductory APR
For the first fifteen billing cycles on balance transfers made in the first 45 days after account opening; After intro will be 17.24%
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The World Of Hyatt Credit Card
- Earn up to 50,000 Bonus Points - 25,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening
- Earn an additional 25,000 Bonus Points after you spend a total of $6,000 on purchases within the first 6 months of account opening - free nights start at 5,000 points
- Receive 1 free night every year after your cardmember anniversary at any Category 1-4 Hyatt hotel or resort
- Earn an extra free night at any Category 1-4 Hyatt hotel or resort if you spend $15,000 during your cardmember anniversary year
- Get automatic World of Hyatt Elite status for as long as your account is open and 5 qualifying night credits toward your next tier status every year
- Earn 2 qualifying night credits towards your next tier status every time you spend $5,000 on your card
- Earn 9 points total per $1 spent at Hyatt - 4 Bonus Points per $1 when you use your card at Hyatt hotels & 5 Base Points per $1 you can earn as a World of Hyatt member
- Plus, earn 2 Bonus Points per $1 spent at restaurants, on airlines tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
Credit Needed:
Excellent, Good
United℠ Explorer Card
- 40,000 bonus miles after you spend $2,000 on purchases in the first 3 months your account is open
- $0 introductory annual fee for the first year, then $95.
- Earn 2 miles per $1 spent at restaurants and on hotel stays
- Up to $100 Global Entry or TSA Pre✔® Fee Credit
- 25% back on United inflight purchases
- Check your first bag for free (a savings of up to $120 per roundtrip) when you use your Card to purchase your ticket
- Enjoy priority boarding privileges and visit the United Club℠ with 2 one-time passes each year for your anniversary
- Earn 2 miles per $1 spent on purchases from United, and 1 mile per $1 spent on all other purchases
Credit Needed:
Excellent, Good