Mastercard Black Card
By Alex Compton · Last verified
A 22-gram steel card, now $699, with its first real welcome bonus.
Welcome Bonus
75,000
≈$1,125 value
Spend Requirement
$6,000
in 3 months
Annual Fee
$699
No FTF
Credit Score
740+
(Excellent)
Current offer note: Limited-time offer: 75,000 bonus points after $6,000 in purchases and paying the $699 annual fee, both within the first 90 days
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-10-12 | 75,000 | $6,000 in 3 mo | Bonus increased: 0 → 75,000 · Spend: $0 → $6,000 · Window: 0 months → 3 monthsLimited-time offer: 75,000 bonus points after $6,000 in purchases and paying the $699 annual fee, both within the first 90 days | Luxury Card Mastercard Black Card product page → |
| 2026-06 | 0 | No recorded spend | Terms reconfirmedNo welcome offer | Archive record · no attached snapshot |
| 2024-01 | 0 | No recorded spend | Earliest recordNo welcome offer, a Luxury Card tradition | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- changed
Annual fee rose to $699 ($249 AU); new 75,000-point bonus after $6,000 and paying the fee in 90 days; $200 airline and $100 dining credits
Fields: annualFee, authorizedUserFee, currentOffer, credits, benefits
Luxury Card Mastercard Black Card product page →
Source checked 2026-10-12 · spot an outdated offer? Report a correction above.
Embed this chart on your site (free, with attribution)
Bloggers and journalists: paste this snippet to embed the live, auto-updating bonus history chart. Attribution to Credit Compound is included in the widget.
Earning Rates
- 2xAirfare and hotels booked through LuxuryCardTravel.com
- 1xAll other purchasesPoints worth 1.5% as cash back or 2% toward airfare redemptions
Credits ($300/yr stated)
- Airline credit$200
Flight-related purchases including tickets, bag fees and upgrades; no enrollment or airline designation
- Dining credit$100
Qualified restaurants; no enrollment required
Benefits
- ✦Stainless steel card, 22 grams
- ✦Priority Pass Select lounge access with guests included
- ✦Up to $120 Global Entry or TSA PreCheck application credit
- ✦24/7 Luxury Card Concierge and Luxury Card Travel hotel benefits
- ✦0% intro APR for 15 months on balance transfers made within 45 days (5% fee)
Why it earns its spot
- +75,000-point offer is worth about $1,125 in cash or $1,500 toward airfare
- +$300 of yearly airline and dining credits with no enrollment
- +Priority Pass Select covers guests too
Where it costs you
- −$699 annual fee, plus $249 per authorized user
- −The bonus needs $6,000 of spend in 90 days
- −1x flat earning outside the travel portal
The Compound Verdict
The Black Card finally has a welcome bonus, and it is a real one: 75,000 points is $1,125 in cash or $1,500 in airfare. That covers the first $699 fee with room to spare. After year one, $300 of credits and Priority Pass leave you paying roughly $400 a year for a heavy card and a concierge, which a cheaper premium card still beats on rewards.
Rate this card
Be the first to rate it
Commentson MC Black Card
Comments are stored in your browser during our community preview. Accounts, moderation and cross-device sync arrive with Credit Compound Community.