Best for those who want premium perks and aren't worried about using rewards points

This card offers a ton of benefits — perks comparable to other cards with similar fees. However, it falls flat in two key areas: no welcome bonus and weak spending categories. Many people would do better with other premium credit cards.

At a glance

  • 2% 2% Value for Airfare Redemptions
  • 1.5% 1.5% Value for Cash Back Redemptions
  • 1X Earn one point for every one dollar spent.
no offer
29.49% Variable
19.24% Variable
0% intro APR for first 15 billing cycles on BT within first 45 days; After that - 19.24% Variable APR
19.24% Variable
$495 ($195 for each Authorized User added to the account)
  • Patented black-PVD-coated metal card-weighing 22 grams.
  • 2% value for airfare redemptions with no blackout dates or seat restrictions. 1.5% value for cash back redemptions. Earn one point for every one dollar spent.

At a glance

  • 2% 2% Value for Airfare Redemptions
  • 1.5% 1.5% Value for Cash Back Redemptions
  • 1X Earn one point for every one dollar spent.
no offer
29.49% Variable
19.24% Variable
0% intro APR for first 15 billing cycles on BT within first 45 days; After that - 19.24% Variable APR
19.24% Variable
$495 ($195 for each Authorized User added to the account)
  • Patented black-PVD-coated metal card-weighing 22 grams.
  • 2% value for airfare redemptions with no blackout dates or seat restrictions. 1.5% value for cash back redemptions. Earn one point for every one dollar spent.
  • Annual Airline Credit-up to $100 in statement credits toward flight-related purchases including airline tickets, baggage fees, upgrades and more. Up to a $100 application fee credit for the cost of TSA Pre✓® or Global Entry.
  • Enrollment in Priority Pass™ Select with access to 1,300+ airport lounges worldwide with no guest limit. Includes credits at select airport restaurants for cardholder and one guest.
  • 24/7 Luxury Card Concierge®—available by phone, email and live mobile chat. Around-the-clock service to help you save time and manage tasks big and small.
  • Exclusive Luxury Card Travel® benefits—average value of $500 per stay (e.g., resort credits, room upgrades, free wifi, breakfast for two and more) at over 3,000 properties.
  • Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard® benefits.
  • Annual Fee: $495 ($195 for each Authorized User). Terms and conditions apply.
Apply now for Mastercard® Black Card™ at Luxury Card's secure site

Our Take

TPG Editor's Rating

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2.5/5

Overview

This is a premium card with premium benefits to elevate your travels. However, it lacks premium rewards and has no welcome bonus.

Pros

  • There are numerous benefits to offset the card's annual fee. These include a $100 annual airline incidental credit, reimbursement for your Global Entry or TSA PreCheck application fee and Priority Pass Select membership. You'll also get an abundance of travel and shopping protections

Cons

  • The earning structure is very weak, earning just 1 point per dollar on all purchases. There also aren't any transfer partners for outsized redemption values.

Who is this card good for?

This card is good for travelers who want premium perks like lounge access and insurance protections but rarely use points for anything but statement credit so they aren’t worried about a lack of redemption options.

Earning Rewards

Earn 1 point per dollar on all purchases. These can be redeemed at 2 cents apiece in value for airfare purchases or 1.5 cents apiece as a statement credit.