MasterCard® Black Card™

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  • Stainless Steel/Carbon Card - Patented Design
  • Industry-Leading Rewards
  • DOUBLE POINTS value when Redeemed for Airfare
  • 1.5% Value for Cash Back Statement Credit Redemptions
  • Luxury Card Concierge™
  • $100 Annual Airline Credit Toward Qualifying Airline Purchases
  • $100 Global Entry Application Fee Credit
  • Luxury Gifts and Members-Only Luxury Magazine
Annual Fee:
$495; $195 for each additional user
Purchase Intro APR:
N/A
Purchase Regular APR:
15.24%*
Variable
Balance Transfer Intro APR:
0% intro
(15 Billing Cycles) on qualifying transfers
Balance Transfer Regular APR:
15.24%*
Variable

Details, Rates & Fees

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* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the 'Apply Now' button, you can review the credit card terms and conditions on the provider's website.

Cash Advance Rate 25.49%* Variable
Cash Advance Fee 5% Min: $10
Late Fee Up to $37
Penalty APR N/A
Balance Transfer Fee 3% Min: $5
Foreign Transaction Fee None
Return Payment Fee Up to $37

Rewards

All Purchases

1 point per dollar

No cap on spending

Airfare

1 point per dollar

DOUBLE POINTS when redeemed for airfare


Cardholders' Reviews

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Positive Review
imginc1
Good card
by imginc1
Helpful to 28 out of 38

This card gets a bad rep based on the previous version and the AF. In addition most people compare this card to the Amex Platinum card and to some extent they are correct. The big difference is the fact that this is a credit card and the Amex Platinum is a charge card. That being said, I have both. If you know how to maximize the rewards of this card than the AF is actually worth it. I spend roughly $300k on credit cards per year between my personal expenses and business expenses. I also travel quite a lot. With how I use this card I can justify the AF without any issues.

I have had this card for 6 months now and when I was approved, I was approved for a $10k limit. I believe so far I have put almost $20k through on this card without any issues. If you are someone that does not put but a few charges on this card per month with minimal charge amounts, this card may not be wprth it to you but it is a good card.

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Review
imginc1
Good card
by imginc1
Helpful to 28 out of 38

This card gets a bad rep based on the previous version and the AF. In addition most people compare this card to the Amex Platinum card and to some extent they are correct. The big difference is the fact that this is a credit card and the Amex Platinum is a charge card. That being said, I have both. If you know how to maximize the rewards of this card than the AF is actually worth it. I spend roughly $300k on credit cards per year between my personal expenses and business expenses. I also travel quite a lot. With how I use this card I can justify the AF without any issues.

I have had this card for 6 months now and when I was approved, I was approved for a $10k limit. I believe so far I have put almost $20k through on this card without any issues. If you are someone that does not put but a few charges on this card per month with minimal charge amounts, this card may not be wprth it to you but it is a good card.


Our Take

The MasterCard® Black CardTM is aimed at consumers looking for a luxury credit card.

What to Like

There are a whole lot of perks to like, including 24/7 concierge services, a $100 annual airline credit, $100 toward a Global Entry application fee and more. There are more cool travel benefits too, like entry to VIP airport lounges and room upgrades at participating hotels. They’ll even mail you Luxury Gifts every once in a while.

Look Out For

This is a high-end card, so cardholders will usually have strong credit scores. There’s a $495 annual fee and an extra $195 annual fee for each additional user.

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† Credit Karma looks at how your credit profile compares to other Credit Karma members who were approved for this product. Of course, there's no such thing as a sure thing, but knowing whether your Approval Odds are Very Good, Good, Fair or Poor may help you narrow down your choices.

‡ Average score refers to the arithmetic mean, typical low score to the 5th percentile and typical high score to the 95th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from June 2016 through November 2016. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.

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