Mastercard Black Card
A heavy metal card with a $495 fee and math that never quite adds up.
Welcome Bonus
None
No welcome offer
Spend Requirement
None
Annual Fee
$495
No FTF
Credit Score
740+
(Excellent)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Last verified 2026-06-11 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 1xAll purchases
- 2xAirfare and hotels booked through LuxuryCardTravel.com
Credits ($200/yr stated)
- Air travel credit$200
Applies to qualifying airline purchases
Benefits
- ✦Black PVD-coated stainless steel card, 22 grams of table presence
- ✦24/7 Luxury Card Concierge for bookings and requests
- ✦Global Entry or TSA PreCheck application fee credit
- ✦Airport lounge access through Priority Pass Select
Why it earns its spot
- +1.5% cash back value with 2% airfare redemptions is the best of the trio
- +$200 air credit claws back some of the fee
- +The metal card and concierge are the actual product
Where it costs you
- −No welcome bonus, ever
- −A $495 fee for benefits a $395 Venture X beats comfortably
- −1x flat earning with no bonus categories
The Compound Verdict
You are paying $495 for a heavy card and a concierge, because the rewards math loses to cards costing $100 less. The $200 air credit and lounge access soften the blow but never close the gap. Buy it as jewelry with a payment chip, not as a rewards strategy.
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