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:
Purchase Regular APR:
Balance Transfer Intro APR:
0% intro
(15 Billing Cycles) on qualifying transfers
Balance Transfer Regular APR:

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


All Purchases

1 point per dollar

No cap on spending


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
Great Card
by RAR3
Helpful to 18 out of 21

While I understand the comments others say about this card being a "bad' card or a "useless" card; I feel that they do not truly understand the card for it's worth.  Those that get this card for the material it is made out of or for the fact that it says "BLACK CARD" on it are getting it for the wrong reason(s).  I applied for this card when it was taken over by MasterCard and use it for about 80% of my daily purchases.  The points rack up and the pros do outweigh the cons.  I understand that this card isn't for everyone.  I also understand that the annual fee is very high for a card of it's kind.  However, when using it properly, the card will be worth the annual fee in the long hual.  Aside from this card, I also own the American Express Platinum and Citi Prestige cards.  I am acitve in all three of them and therefore see the positive side of having so many points split between the three cards.  Like I said before; this card isn't meant for everyone.  If you obtain the card for the purpose of looking "cool" than you are not going to like this card after paying the annual fee.  If you get this card because you are good with paying your debts, enjoy the extra attention from a credit card lendor, enjoy the perks of the card (which are not many but they do still count), and can afford and not mind paying the annual fee; than this card will be a good card for your wallet/purse.  The customer service was excellent and the application process was painless.  They started me off with a low credit limit but soon increased it after 6 months of having the 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 Negative Review
Barclays is cheap on credit lines
by delicatedelinquent
Helpful to 1 out of 1

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.

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‡ 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 November 2016 through April 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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