Are you considering the Luxury Card™ Mastercard® Black Card™? Before you apply for the card, you'll want to learn some key facts about the offer and how it compares to others on the market.
In reviewing the card, our staff rated it a 4.5 out of 5.0.
While this card comes with a hefty annual fee, it's about as prestigious as it gets. The group of select individuals who are approved for this card and who love to travel the world in luxury will surely appreciate all the perks and bonuses it has to offer.
Here's a rundown of the key features, rates, and terms of the Luxury Card™ Mastercard® Black Card™:
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BEST OVERALL RATING
★★★★★
4.5
- Stainless steel and carbon card. Tailored to be an everyday essential. Rewards and protection benefits that are designed to be used everywhere you go, rather than select categories and purchases. Plus, no foreign transaction fees.
- Simple and flexible rewards without the hoops. 2% value for airfare redemptions with no blackout dates or seat restrictions. 1.5% value for cash back redemptions. Earn one point for every one dollar spent. No minimum threshold requirement for cash back or airfare redemptions.
- Annual Airline Credit—up to $100 in statement credits toward flight-related purchases including airline tickets, baggage fees, upgrades and more. Just pay for airline purchases with your Mastercard Black Card and we will automatically apply the credit to your account. That’s it. No need to activate or designate an airline.
- Up to a $100 application fee credit for the cost of TSA Pre✓® or Global Entry. Also, enjoy automatic enrollment in Priority Pass™ Select with access to 1,300+ airport lounges worldwide with no guest or lounge limits. Includes credits at select airport restaurants for cardholder and one guest.
- 24/7 Luxury Card Concierge®—available by phone, email, SMS and chat in the app. Around-the-clock service to help you save time and manage tasks big and small. There is no requirement to make a purchase in your requests and no fees are associated with using the concierge's assistance.
- Exclusive Luxury Card Travel® benefits—average value of $500 per stay (e.g., resort credits, room upgrades, free wifi, breakfast for two and more) at over 3,000 properties. Plus, peace of mind protection benefits like trip cancellation and interruption, auto rental car collision waiver, travel accident and baggage delay.
- Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard® benefits.
- Annual Fee: $495 ($195 for each Authorized User). Terms and conditions apply.
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N/A
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0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening.
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21.24%, 25.43% or 28.24%
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$495 ($195 for each Authorized User added to the account)
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Excellent
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There's certainly a lot to like about the Luxury Card™ Mastercard® Black Card™. Let's dive deeper into the card's rates and fees, as they could make or break whether owning the Luxury Card™ Mastercard® Black Card™ is right for you.
According to the issuer, the Luxury Card™ Mastercard® Black Card™ currently charges the following interest rates on purchases and balance transfers:
- Purchase Intro: N/A
- Balance Transfer Intro: 0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening.
- Regular APR: 21.24%, 25.43% or 28.24%
Here's the annual fee for the Luxury Card™ Mastercard® Black Card™ as listed by the issuer:
- Annual Fee: $495 ($195 for each Authorized User added to the account)
See site for details »
According to the issuer, the current general credit history requirement for the Luxury Card™ Mastercard® Black Card™ is:
If you feel you have the credit needed for approval and you're ready to apply, you can do so online on the issuer's secure website.
Keep in mind that rates and features may change, so if you like what the Luxury Card™ Mastercard® Black Card™ is offering today, you may want to apply now to lock it in current terms before it's too late.
Below are all the ratings our team gives the Luxury Card™ Mastercard® Black Card™, along with the card's ranking within each category. To see how it compares to other cards, simply click on the category name:
All told, our team's review of the Luxury Card™ Mastercard® Black Card™ resulted in a rating of 4.5 out of 5.0, as the card features many pros and cons for a potential cardholder to consider. Ultimately, it's up to you to determine if the card's benefits outweigh its possible drawbacks.
If you're ready to apply for the Luxury Card™ Mastercard® Black Card™, here is the link the issuer's official application:
Are you ready to apply for the Luxury Card™ Mastercard® Black Card™ offer? Be sure to read up on all of its terms and details first, then apply via the provider’s secure website:
If you’d like to keep researching, you may want to try one of our popular guides to the top offers available. We break down a variety of offers, including many similar to Luxury Card™ Mastercard® Black Card™:
Whether you decide on Luxury Card™ Mastercard® Black Card™ or another option, be sure to make all your payments on time and keep your balance below the credit limit.
Toby is the founder of CardRates.com and lends his 20 years of experience in the credit card industry to educate consumers. His commentary and reviews have been featured to millions on Yahoo! Finance, CreditCards.com, Entrepreneur.com, and others. Toby's industry connections enable him to keep audiences informed with timely advice and insight.
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