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.
3.7/5.0
$495 Annual Fee and $195 for each Authorized User
None
1.5% to 2%
15 Months
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 Annual Fee and $195 for each Authorized User |
Foreign Transaction Fee | None |
Regular APR | 17.24% (V) APR |
Balance Transfers | 0% Intro APR for 15 months on balance transfers, then 17.24% (V) APR after that. |
Balance Transfer Fee | Either $5 or 3% of the amount of each transfer, whichever is greater. |
What Credit Score Is Required to Get the Mastercard® Black Card™
- 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 - 18 month BT offer
Rating
4.9
Rewards Range
1% to 2%
Annual Fee
$0