Rating: 5 Stars
Bottom Line:
Luxury Travel Perks And 1.5% Cash Back
TABLE OF CONTENTS
Card Details
| Regular APR: | 16.49% (Variable) |
| Intro APR (Purchases): | None |
| Intro APR (Balance transfers): | 0% for first 15 billing cycles for transfers in first 45 days |
| Rewards Rate: | one (1) point for every one dollar ($1) you spend |
| Credit Needed: | (740 – 850) Excellent |
| Annual Fee: | $495 ($195 for each Authorized User added to the account) |
| Card Brand: | Mastercard |
*See online credit card application for details on the terms and conditions.
Offer Highlights
- Click APPLY NOW to apply online
- one (1) point for every one dollar ($1) you spend
- 2% Value for Airfare Redemptions: 50,000 points will get you a $1,000 ticket on any airline with no blackout dates or seat restrictions
- 1.5% Value for Cash Back Redemptions: Cash back can be deposited directly into a US bank account or applied as a statement credit
- Mastercard Black Card members receive up to $100 in annual air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more. For your convenience, Luxury Card automatically applies the credit to your account
- Global Entry & TSA Pre Application Credit. With Global Entry, enjoy expedited arrival into the United States from international destinations. Global Entry members are eligible to participate in TSA Pre, an expedited domestic security screening at participating airports in the United States. Luxury Card members receive a one hundred dollar ($100) automatic statement credit for the cost of the Global Entry application fee
- VIP Airport Lounge Access with Priority Pass Select – Enjoy complimentary access to more than 1,200 airport lounges around the world with Priority Pass Select regardless of the airline you are flying or class of ticket you have booked. For your convenience, Mastercard Gold Card and Mastercard Black Card members are automatically enrolled in the Priority Pass Select program
- Luxury Card Concierge can assist you with travel bookings, various personal requests and much more
- Mastercard Priceless: Luxury Card members enjoy invitation-only, once-in-a-lifetime experiences. Enjoy a look behind the scenes, sit courtside, see the dress rehearsal before opening night or learn skills from top experts in their trade. Mastercard Priceless delivers exclusive opportunities to go beyond the ordinary
- Each year Luxury Card Travel offers you an average value of $500 in travel benefits and services per stay. Amenities and services may include resort or spa credits, complimentary food and beverages, room upgrades and welcome perks.
- Unique metal construction: stainless steel front and carbon back
Is Mastercard Black Card worth it?
Mastercard Black Card is a great card for luxury consumers. To start, the card offers its own concierge to assist you with travel bookings, various personal requests and much more. The card also offers you an average value of $500 in travel benefits and services per 3-day hotel stay. Amenities and services may include resort or spa credits, complimentary food and beverages, room upgrades and welcome perks. The rewards rate for Mastercard Black Card is lower than average: cardholders earn one point for every one dollar you spend, but for cardholders who take advantage of all the perks, the $495 annual fee could be justified.
Pros
- Luxury Card members receive a one hundred dollar ($100) automatic statement credit for the cost of the Global Entry application fee
- Each year Luxury Card Travel offers you an average value of $500 in travel benefits and services per stay. Amenities and services may include resort or spa credits, complimentary food and beverages, room upgrades and welcome perks.
- Receive up to $100 in annual air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more
- 2% Value for Airfare Redemptions: 50,000 points will get you a $1,000 ticket on any airline with no blackout dates or seat restrictions
- 1.5% Value for Cash Back Redemptions
Cons
- No sign up bonus
- $195 for each Authorized User added to the account
- Even with 1.5% cash back redemption and 2% airfare redemption offered by Mastercard Black Card, the rewards rate of one point per $1 makes this rewards card below average
Why 5 Stars?
Regular APR
4 Stars
Intro APR
5 Stars
Fees
4 Stars
Perks
5 Stars
Overall
5 Stars
Fees
| Foreign Transaction Fee | None |
| Balance Transfer Fee | Either $5 or 3% of the amount of each transfer, whichever is greater |
| Cash Advance Fee | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Penalty APR | None |
Benefits
| $0 Fraud Liability |
| Auto Rental Collision Damage Waiver |
| Baggage Delay Insurance |
| Cellular Telephone Protection |
| Emergency Card Replacement |
| Emergency Cash Advance |
| Extended Warranty Program |
| Lost Luggage Reimbursement |
| Purchase Protection |
| Roadside Assistance |
| Travel Accident Insurance |
| Travel Assistance |
| Trip Cancellation and Interruption |
Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.
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