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Apply online for Mastercard® Black Card™
About Our Ratings
Credit Needed
Excellent

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
Purchase APR
15.99% Variable
Annual Fee
$495

This card compared to other travel rewards cards

Rewards
1.5% Value for Cash Back Statement Credit Redemptions
2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide
3X points for flights booked directly with airlines. 2X points at US restaurants, US gas stations, and US supermarkets. 1X points on other purchases. Terms and limitations apply
Bonus Rewards
2% Value for Airfare Redemptions
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards(R)
25,000 Membership Rewards® Points after you use your new Card to make $2,000 in purchases within the first 3 months.
Purchase APR
15.99% Variable
16.99% - 23.99% Variable 
N/A 
Annual Fee
$495
$0 Intro for the First Year. Then $95
Introductory annual fee of $0 for the first year, then $195.
Rates and Fees
CardRatings.com Editorial Staff

Mastercard® Black Card™ details

Balance Transfer Intro APR
0%
Balance Transfer Intro Period
15 Billing Cycles
Purchase Intro
APR:
N/A
Purchase APR
15.99% 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)
  • 15.99% Variable APR on Purchases and Transfers
  • 0% Introductory APR on balance transfers made in the first 45 days after account opening

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Highlighted offers
Currently available on the Mastercard® Black Card™
0% introductory APR
For the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening
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(690-719)
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Apply online for Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
Credit Needed:
Excellent/Good
Apply online for Premier Rewards Gold Card from American Express

Premier Rewards Gold Card from American Express

  • Earn 25,000 Membership Rewards® Points after you use your new Card to make $2,000 in purchases within the first 3 months.
  • 3X points for flights booked directly with airlines. 2X points at US restaurants, US gas stations, and at US supermarkets. 1X points on other purchases.
  • No Foreign Transaction Fees.
  • $100 Airline Fee Credit. Up to $100 a calendar year for baggage fees at one airline.
  • Get a $75 hotel credit on qualifying charges, plus a room upgrade upon arrival, when available with The Hotel Collection at americanexpress.com/hc.
  • $0 Intro Annual Fee for the 1st year, then $195.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • Terms Apply.
Terms and Limitations Apply
Credit Needed:
Excellent, Good