Mastercard® Black Card™

Apply now
  • 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 
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

Click here for Additional Details

(Will launch in a new browser window)

* 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 26.24%* 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
by Anonymous
Helpful to 44 out of 49

Idk why people are crying over an AF when knowing the fact that if you spend daily on this card you will be able to pay back the AF of $495 without an ease . I mean don't get me wrong , it's an high AF amount . The thing is before applying you see that this card is an ULTIMATE SPENDING TOOL , so this means the more you use it daily the more points you get and believe it it not , AMEX is PLATINUM isn't any better and it's same BS !!! The difference with this card is that it's your choice if you would like to pay full amount the next month or not with Amex your stuck because no matter what you have to pay the entire amount even if you decide not to . So yea get this card if your score is over 720 and you make 75k-100k yearly . Have at least record of spending at least 30k to 50k on credit cards previously before even considering this card .  Ciao !

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
The card grabs a lot of attention
by Anonymous
Helpful to 19 out of 28

There's a lot of better options out there like the chase sapphire reserve they give a 300 dollars credit toward any travel purchase which is great and you get a point on any other purchase than restaurant you get 3 points  . With the black card you get one point regardless where you spend your buck and you only get 100 dollars worth of travel credit and the annual feel is higher. Looks really good and feels good you'll like all the compliments you get on the black card though.. 

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 May 2017 through October 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.

My Saved Cards
Welcome to My Saved Cards
Save and compare credit cards to find the best fit for you. All you need to do is find cards you like and check the Compare This Card box. When you’re ready to review, click the compare button that appears in this menu.