Our Take
The Mastercard® Black Card™ is a hallmark of luxury and exclusivity, perfect for those who often travel and appreciate premium service. With an annual fee of $495, cardholders access a plethora of benefits tailored to enhance their travel experiences. Every purchase earns you one point for every dollar spent, translating to 1.5% cash back and 2% back for airfare redemptions. Although the card lacks a sign-up bonus, it compensates through exceptional perks like 24/7 concierge assistance, which helps manage travel arrangements, book reservations, and even handle personal requests. Additionally, capitalize on a $100 statement credit for airline fees each year, plus a membership to Priority Pass Select, granting unlimited access to over 1,500 lounges worldwide, where you can bring in guests at no extra cost. The card also provides vital travel insurance benefits, including trip cancellation coverage and baggage delay insurance, enhancing your peace of mind while traveling. Despite its limited rewarding structure compared to some competition, the Mastercard® Black Card™ ensures a sophisticated lifestyle, blending luxury and convenience to cater to the discerning traveler.
Intro Offer
Bonus History
Currently, the Mastercard® Black Card™ does not offer a sign-up bonus; however, its long-standing prestige comes from the unique benefits and services it provides, which can offer valuable savings over time. Historically, the absence of welcome bonuses has remained constant, focusing instead on luxury service and experiences for its cardholders.
Recommended Credit
Disclaimer: Having the recommended credit does not guarantee you will get approved, and not having the recommended credit does not imply you will absolutely not get approved. Learn how credit scores affect approval rates.
Rewards
With the Mastercard® Black Card™, every dollar spent is rewarded at a competitive rate. Cardholders earn one point per dollar on all purchases, translating to impressive redemption opportunities for travel and cash back. Enjoy a 2% redemption value for airfare, which far exceeds many typical credit cards. This makes your travel expenses more rewarding with no blackout dates or seat restrictions.
2x Travel
Annual Fee
The Mastercard® Black Card™ features an annual fee of $495, which may initially seem steep. However, this fee is counterbalanced by a wide array of privileges and travel perks that can render great value for high rollers and frequent travelers. Not to mention, authorized users can be added for $195 each, making this card a strong option for those who travel regularly with family or friends.