Mastercard® Black Card™

The card_name is a luxury metal card designed for those who just have to have a metal card in their wallets and don’t mind paying the hefty $$495 annual fee. Mastercard Black justifies the fee by providing several travel perks and a $100 airline credit.  Also, it looks cool. Is it worth the annual fee? Well, if you’re looking for excellent travel perks, other cards offer more in the form of signup bonuses, rewards, and credits. Otherwise, there are plenty of 2% cash back cards you can get with no annual fee. We dive into the details in this Mastercard Black review.

Our Rating


Welcome Offer

Annual Airline Credit—up to $100 in statement credits toward flight-related purchases including airline tickets, baggage fees, upgrades and more.

Annual Fee


0% on Purchases


Reward Rate

1.5% to 2%

0% on Balance Transfers

for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening. After that, (and for balance transfers that do not post within 45 days of account opening) the APR will be 21.24%, 25.43% or 28.24%, based on your creditworthiness. There is a fee for balance transfers.

Features & Benefits

SecurityEMV Chip Enabled, Fraud Monitoring, Zero Liability, Alerts, Identity theft protection
Contactless PaymentsApple Pay, Google Pay
BenefitsCell Phone Protection, ShopRunner, 24/7 customer service
Travel PerksAccess to Special Events and Concerts, Auto Rental Collision Damage Waiver, Concierge Services, Emergency Travel Assistance, Airport Lounge Access, Luggage Protection, Trip Delay Reimbursement, Travel Accident Insurance, Trip Cancellation Insurance, TSA PreCheck & Global Entry credit


1.5% cash back
On all other eligible purchases
Earn one point for every one dollar ($1) you spend. 1.5% value for cash back redemptions.
2% cash back
Earn one point for every one dollar ($1) you spend. 2% value for airfare redemptions.

Interest Rates & Fees

Annual Fee$495
Foreign Transaction Fee0% of each transaction in U.S. dollars
Regular APR21.24%, 25.43% or 28.24% (V) APR
Balance Transfers0% Intro APR for 4545212425432824 months on balance transfers, then 21.24%, 25.43% or 28.24%(V) APR after that.
Balance Transfer FeeEither $5 or 5% of the amount of each transfer, whichever is greater.

What Credit Score Is Required to Get the Mastercard® Black Card™

The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use numerous factors in their underwriting process, and these factors can change at any time.

Lowest Approved Credit Score: 783

Average Approved Credit Score: 783

App StatusDateCredit ScoreBureauCredit Limit

Pros & Cons

  • No foreign transaction fee
  • Up to 2% cash back value
  • Annual fee
  • No welcome bonus
  • Requires good credit

What Are the Best Alternatives?

Chase Sapphire Reserve®
Chase Sapphire Reserve®



Rewards Range

1x - 10x

Annual Fee


The Platinum Card® from American Express
The Platinum Card® from American Express



Rewards Range

1x - 5x points

Annual Fee


Citi<sup>®</sup> Double Cash Card
Citi® Double Cash Card



Rewards Range

1% to 2%

Annual Fee


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