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.
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 $495
0% on Purchases N/A
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.
Cell Phone Protection, ShopRunner, 24/7 customer service
Access 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
Foreign Transaction Fee
0% of each transaction in U.S. dollars
21.24%, 25.43% or 28.24% (V) APR
0% Intro APR for 4545212425432824 months on balance transfers, then 21.24%, 25.43% or 28.24%(V) APR after that.
Balance Transfer Fee
Either $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 a number of factors in
their underwriting process, and these factors can change at any time.