Mastercard® Black Card®
Purchase APR 19.74–27.74%, variable.
- Annual fee
- Issuer's pageluxurycard.com
“Annual Fee is $699.00 ($249 for each Authorized User added to the account).”
- Purchase APR
- Issuer's pageluxurycard.com
“For new and outstanding balance transfers after the introductory period and all purchases, the variable APR is 19.74% to 27.74%, depending upon our review of your application, your credit history at account opening, and other factors.”
- Foreign transaction fee
- Issuer's pageluxurycard.com
“Foreign transaction fee: 0%.”
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | −$700 | −$700 |
| Typical spender | −$700 | −$700 |
| Heavy spender | −$700 | −$700 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Assumed: not counted: 2x Airfare booked through LuxuryCardTravel.com; not counted: 2x Hotels booked through LuxuryCardTravel.com.
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- Lower top APR than about 40% of the 577 cards we track.
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
How you earn
- 2× pointsAirfare booked through LuxuryCardTravel.com
- 2× pointsHotels booked through LuxuryCardTravel.com
Rates and fees
| Annual fee | Issuer's pageluxurycard.com “Annual Fee is $699.00 ($249 for each Authorized User added to the account).” |
|---|---|
| Purchase APR | Issuer's pageluxurycard.com “For new and outstanding balance transfers after the introductory period and all purchases, the variable APR is 19.74% to 27.74%, depending upon our review of your application, your credit history at account opening, and other factors.” |
| Balance transfer APR | Issuer's pagebarclaycardus.com The source states this figure; we have no exact sentence on file yet. |
| Balance transfer fee | Issuer's pageluxurycard.com “Balance transfer fee: 5% (min.” |
| Cash advance APR | Issuer's pageluxurycard.com “The variable APR for cash advances is 29.99%.” |
| Cash advance fee | Issuer's pagebarclaycardus.com “Either $10 or 5% of the amount of each cash advance, whichever is greater.” |
| Late payment | Issuer's pagebarclaycardus.com “Up to $41 (the amount of the fee varies by state, see below)” |
| Returned payment | Issuer's pagebarclaycardus.com “Up to $41 (the amount of the fee varies by state, see below)” |
| Foreign transactions | Issuer's pageluxurycard.com “Foreign transaction fee: 0%.” |
| Grace period | Issuer's pagebarclaycardus.com “Your due date is at least 23 days after the close of each billing cycle.” |
| Minimum interest charge | Issuer's pageluxurycard.com The source states this figure; we have no exact sentence on file yet. |
Carrying a balance? See how long it takes to pay off
Benefits
- Annual Airline Credit: $200 annual
- Annual Dining Credit: $100 annual
- Global Entry or TSA PreCheck Application Credit: $120
- Lyft Credit: $5 monthly
- Peacock Subscription Credit: $3 monthly
- Up to $120 as reimbursement for a Global Entry or TSA PreCheck application fee.
- Automatic complimentary Priority Pass Select access to over 1,800 airport lounges across 600+ cities and 140+ countries.
- Access includes participating airport restaurants and mini-suites, with unlimited visits for the cardmember and guests.
- Preferred status at qualified restaurants around the world.
- Complimentary benefits averaging $750 per stay at more than 3,000 luxury properties worldwide, which may include daily breakfast for two, room upgrades when available, welcome amenities, resort and dining credits, late check-out, early check-in and complimentary Wi-Fi.
- Luxury Card Travel provides exclusive perks, preferred rates and added amenities for hotels, flights and car rentals booked through its dedicated booking platform.
- Luxury Card Concierge service is available 24/7 for travel planning, dining reservations, gifts and flowers, tickets, tee times, sightseeing and other personal assistance.
- Mastercard ID Theft Protection, including alert notifications, credit-file monitoring, identity-theft resolution assistance and Mastercard Zero Liability Protection.
- Mastercard Special Offers for travel, shopping and other products and services.
- Priceless Golf access to over 1,000 private country clubs across North America, including access to TPC courses and tee times at Pebble Beach Resort.
- Lyft provides a $5 credit after three rides in a month paid with the card, limited to one credit per calendar month; offer valid through January 31, 2027.
- Peacock provides $3 off Peacock Premium or Peacock Premium Plus each month; offer valid through December 31, 2027.
- No foreign transaction fees on international purchases.
- Luxury hotel benefits may include daily breakfast for two, room upgrades at check-in, early check-in and check-out, and resort credits.
- Trip cancellation: Up to $5,000 per insured person
- Trip delay
- Rental car
- Travel accident: Up to $250,000
- Baggage: Up to $100 a day (maximum 3 qualifying days)
- Emergency assistance
- Cell phone
Questions
- What is the annual fee?
- $699 ($249 for each Authorized User added to the account) luxurycard.com, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- Yes: 0% of each transaction in U.S. dollars.. luxurycard.com, since Sep 29, 2026
- What is the purchase APR?
- 19.74–27.74% APR luxurycard.com, since Oct 1, 2026
Other points cards
- Business Altitude ConnectUS Bank · +$1,160 a year
- JetBlue PremierBarclays · +$610 a year
- Mastercard TitaniumLuxury Card · +$400 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).