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All comparisons
Head-to-head, 2026

Luxury Card Mastercard Black Card Luxury Card Mastercard Gold Card

Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.

Lower annual fee: Luxury Card Mastercard Black Card

Luxury Card

Mastercard Black Card

Annual fee
$699
Network
mastercard
Welcome value
—
Min spend
—

Top earning rates

  • 2×Airfare · Luxury Card Rewards
  • 2×Hotels · Luxury Card Rewards
  • 1×All other purchases · Luxury Card Rewards

Key benefits

  • Luxury Card Travel Hotel Benefits · $750
  • Luxury Card Concierge · $250
  • $200 Annual Airline Credit · $200
  • Global Entry or TSA PreCheck Application Credit · $120
  • $100 Annual Dining Credit · $100
Full Luxury Card Mastercard Black Card review

Luxury Card

Mastercard Gold Card

Annual fee
$1,199
Network
mastercard
Welcome value
—
Min spend
—

Top earning rates

  • 2×Airfare · Luxury Card Rewards
  • 2×Hotels · Luxury Card Rewards
  • 1×All other purchases · Luxury Card Rewards

Key benefits

  • Luxury Card Travel hotel benefits · $750
  • $300 annual airline credit · $300
  • 24/7 Luxury Card Concierge · $250
  • $200 Ship&Play credit · $200
  • $200 annual dining credit · $200
Full Luxury Card Mastercard Gold Card review

Wondering which one is right for your wallet?

Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.

Get my personal answer