Mastercard® Black Card™
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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. There is a 0% intro APR offer for 15 billing cycles on balance transfers that are made within 45 days of account opening, then 21.24% to 29.24% variable APR. 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
3.7/5.0
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% Intro on Purchases
None
Reward Rate
1.5% to 2%
0% Intro on Balance Transfers
15 billing cycles
Editorial Review
Features & Benefits
| Security | EMV Chip Enabled, Fraud Monitoring, Zero Liability, Alerts, Identity theft protection |
| Contactless Payments | Apple Pay, Google Pay |
| Benefits | Cell Phone Protection, ShopRunner, 24/7 customer service |
| Travel Perks | 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 |
Rewards
Interest Rates & Fees
| Annual Fee | $495 |
| Foreign Transaction Fee | 0% of each transaction in U.S. dollars |
| Regular APR | 21.24% to 29.24% (V) APR |
| Balance Transfers | 0% Intro APR for 15 months on balance transfers, then 21.24% to 29.24%(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 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 Status | Date | Credit Score | Bureau | Credit Limit |
|---|---|---|---|---|
| Approved | 12/30/2019 | Experian |
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®
Rating
4.9
Rewards Range
1x - 10x
Annual Fee
$550
The Platinum Card® from American Express
Rating
4.5
Rewards Range
1x - 5x points
Annual Fee
$695
Citi® Double Cash Card
Rating
4.9
Rewards Range
1% to 2%
Annual Fee
$0