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You are here: Home / Credit Cards / Mastercard® Black Card™

Mastercard® Black Card™

August 18, 2022 by Gail Kellner

The Mastercard® Black Card™ 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.

Mastercard® Black Card™
Learn More
Our Rating
3.7/5.0
Welcome Offer
None
Annual Fee
$495
0% on Purchases
None
Rewards Rate
1.5% to 2%
0% on Balance Transfers
15 Months

Rewards

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

Annual Credit

When you spend on air travel, you can get a $100 annual airline credit.

Pros & Cons

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

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

Interest Rates & Fees

Annual Fee$495 Annual Fee and $195 for each Authorized User
Foreign Transaction FeeNone
Regular APR17.24% (V) APR

0% Intro APR

Balance Transfers0% Intro APR for 15 months on balance transfers, then 17.24% (V) APR after that.

What Are the Best Alternatives?

Chase Sapphire Reserve®
Chase Sapphire Reserve®

Rating

Rewards Range

1x - 10x

Annual Fee

$550

Read Review
The Platinum Card® from American Express
The Platinum Card® from American Express

Rating

4.5

Rewards Range

1x-10x

Annual Fee

$695

Read Review
Citi® Double Cash Card - 18 month BT offer
Citi® Double Cash Card - 18 month BT offer

Rating

4.9

Rewards Range

1% to 2%

Annual Fee

$0

Read Review

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About Allcards.com

Rob Berger founded allcards.com in 2008 to help consumers make data-driven decisions about credit cards and banking. A retired trial attorney, he’s written about credit cards, banking and personal finance since 2007, and is the author of Retire Before Mom and Dad.

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