ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL
- Balance Transfer Intro APR 0% intro for 15 Billing Cycles on qualifying transfers
- Balance Transfer Regular APR 15.49%* Variable
- Annual Fee $495; $195 for each additional user
- Purchase Intro APR Not Applicable
- Purchase Regular APR 15.49%* Variable
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.
See Your Approval Odds Before You Apply
Sign up for a free membership, and Credit Karma can estimate your chances of approval based on your credit profile. You’ll also get:
- Credit scores and reports
- Credit monitoring
- Personalized recommendations
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.
† 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 and typical low score to the 5th 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 2014 through November 2014. 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.