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:
15.49%*
Variable
Balance Transfer Intro APR:
0% intro
(15 Billing Cycles) on qualifying transfers
Balance Transfer Regular APR:
15.49%*
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 25.74%* 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
NotSoFarFletched
Best Cash Back in Every Day Spending
by NotSoFarFletched
Helpful to 15 out of 17

This card loses a lot of people's interest because they directly look at the Annual Fee and stop doing their homework to see if the card is a good fit for them. First, If you travel 5+ time a year this is a card that you should really consider looking into it. They recently just updated their VIP lounge to Priority Pass, exactly the same as what Sapphire Reserve offers, which is over 900 locations. If you haven't experienced a VIP lounge at the airport with free drinks, snacks/food and a relaxing atmosphere, then its easy to miss the value this card offers. (I've literally saved at least ~$200 this year on just the drinks alone from these lounges). These airport lounges are more than I would ever pay for a single-time use without a membership, but the cost to do that is ~$40/hour. Just highlights the monetary value you are getting with the VIP Airport lounge access. As far as booking travel, getting 2X miles on any airline with no blackout dates or seat restrictions can really go a long way. Remember, Black Card also give your a $100 airline credit automatically, providing more value. Plus free TSA-Precheck and global entry membership ($100value)

Now as far as cash back. This is the best cash back card that I have seen for the type of spending that I do. So many cards trick you with their modifiers (and sure, maybe those modifiers make sense to you) but so much of my credit card spending is outside the areas of travel, gas and restaurants. Especially for someone with a lot of business expense, this is where this card really makes sense. What I call "every day spend" is almost always 1X on every credit card I've look into. I recently did a lot of remodeling, and everyone knows home improvement is costly. Getting that extra .5X on contractor cost and hardware supplies was realy nice.

I've figured in order for this card to be worth its value (after all the benefits I mentioned) I need to earn at least $100 additional in cash back in those everyday categories. This means, with that math, a person that is spending less than $1,667 on this card would really need to benefit from the double miles and VIP lounge to stretch and hit that $495 AF cost. Again, it's the homework you have to do in deciding what card is right for you and this one saves me a lot of money in categories that other credit cards couldn't.

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 Negative Review
delicatedelinquent
Barclays is cheap on credit lines
by delicatedelinquent

Every time Barclays gets a credit line request they do a hard pull which hurts the cardholder credit score. I have 3 accounts with Barclays all in excellent standing and they denied me a credit line increase on my black card and denied me a Gold Mastercard even though i have $200,000 in available credit and 22 total credit card accounts in excellent standing with 7% utilization. In my opinoon BARCLAYS is eithert too cheap or is getting stiffed by a lot of people and in financial deep water. I have a credit score of 753


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.

Similar Offers

† 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 August 2016 through January 2017. 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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