Mastercard Black Card
- Annual fee
- $699
- Network
- mastercard
- Type
- personal
It earns 1 point per dollar on purchases, with points generally redeemable at 2% value for airfare or 1.5% value for cash back.
Heads up: Rates, fees, and welcome offers below are pulled directly from the issuer and refreshed continuously. Confirm final terms on the issuer site before applying.
Three ways to value this card. Only one of them is yours.
What the issuer advertises.
Pays out with no hoops.
$1,146 of the advertised value — 80% — comes with strings attached.
- $1,426 advertised across 7 benefits.
- $1,146 (80%) needs a booking, enrollment, or deadline.
- Biggest credit — Luxury Card Travel Hotel Benefits, $750 — comes with conditions.
- Luxury Card Concierge ($250) posts automatically. No hoops.
- No-hoops value covers 40% of the annual fee.
- You'll actually use Luxury Card Travel Hotel Benefits.
- You'll actually use Luxury Card Concierge.
- 2× on airfare matches your spend.
- You won't use Luxury Card Travel Hotel Benefits.
- You want the fee covered without chasing — $419 short.
- You'd forget monthly credits.
Earning rates
- All other purchases1×ptsLuxury Card Rewards
- Top earnAirfareBooked directly with the airline or through Luxury Card Travel2×ptsLuxury Card Rewards
- Top earnHotelsBooked directly with the hotel or through Luxury Card Travel2×ptsLuxury Card Rewards
On-card benefits & credits
- Luxury Card Travel Hotel Benefits$750/One-time
Book eligible stays through Luxury Card Travel for complimentary benefits averaging $750 per stay at more than 3,000 luxury properties; benefits may include breakfast for two, upgrades, credits, and flexible check-in/out.
- Luxury Card Concierge$250/Annual
Around-the-clock concierge assistance is available for personalized travel planning, exclusive tickets, gifting, dining reservations, and VIP experiences.
- $200 Annual Airline Credit$200/Annual
Receive up to $200 each year in statement credits for flight-related purchases, including tickets, baggage fees, and upgrades. No enrollment or airline designation is required.
- Global Entry or TSA PreCheck Application Credit$120/One-time
Receive up to $120 as reimbursement for a Global Entry or TSA PreCheck application fee.
- $100 Annual Dining Credit$100/Annual
Receive up to $100 each year in statement credits at qualified restaurants worldwide. No enrollment or third-party app is required.
- Lyft Monthly Credit$5/Monthly
Receive one $5 Lyft credit in a calendar month after enrolling the card and taking three rides paid with it. The offer is stated as valid through January 31, 2027.
- Peacock Monthly Discount$3/Monthly
Receive $3 off Peacock Premium or Peacock Premium Plus each month when paying with an eligible Luxury Card. The offer is stated as valid through December 31, 2027.
- Travel Assistance$0/Annual
Cardmembers and travel companions can access 24/7 Master Trip Travel Assistance, Medical Assistance, and Master Legal Referral Service while traveling at least 50 miles from home.
- Baggage Delay Insurance$0/Annual
Eligible baggage delays of more than four hours may be reimbursed for covered items at up to $100 per day for a maximum of three qualifying days; arrival at the primary residence is excluded.
- Luxury Magazine$0/Annual
Cardmembers receive access to Luxury Magazine, which covers travel, design, technology, and fashion.
- Travel Accident Insurance$0/Annual
Provides up to $250,000 of eligible common-carrier accidental death and dismemberment coverage when the entire travel fare is charged to the card.
- Priceless Golf Access$0/Annual
Access more than 1,000 private country clubs in North America, including TPC courses and booking opportunities at Pebble Beach Resort; separate booking terms may apply.
- No Foreign Transaction Fees$0/Annual
International purchases made with the card do not incur foreign transaction fees.
- Luxury Card Experiences$0/Annual
Cardmembers receive exclusive access through the Luxury Card App to curated trips and experiences such as Broadway, Yellowstone, and Sonoma activities.
- Priority Pass Select Lounge Access$0/Annual
Automatic complimentary Priority Pass Select access includes participating airport lounges and travel experiences, with unlimited visits for the cardmember and guests.
- Mastercard Global Service$0/Annual
Worldwide, 24-hour assistance is available for lost or stolen card reporting and emergency card replacement.
- Airport Meet & Assist$0/One-time
Meet & Assist service offers expedited security screening, terminal-to-aircraft escorts, and arrival or transfer welcome services at more than 500 airports worldwide.
- Trip Cancellation / Trip Interruption Insurance$0/Annual
Secondary coverage reimburses nonrefundable round-trip expenses up to $5,000 per insured person when a covered accidental event causes cancellation or interruption for a covered reason.
- Cellular Phone Protection$0/Monthly
Pay the monthly mobile-phone bill with the Luxury Card to activate eligible damage or theft coverage for the phone's repair or replacement cost.
- Mastercard ID Theft Protection$0/Annual
Identity monitoring, credit-file monitoring, alert notifications, resolution assistance, and Zero Liability Protection are available at no additional cost after registration.
Other Luxury Card cards
Is the Mastercard Black Card right for your spend?
Drop in your typical monthly spend and we'll show exactly how much this card would earn you — plus how it stacks up against your current wallet.