Mastercard Black Card
By Alex Compton · Last verified
A heavy metal card with a $495 fee and math that never quite adds up.
Welcome Bonus
Under review
Current claim suppressed
Spend Requirement
Under review
Annual Fee
Under review
Last recorded terms remain in the history below
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.
No numeric welcome bonus recorded
This product has no points- or cash-denominated offer to plot. Dated no-offer observations, non-points benefits, corrections, and primary-source links remain preserved in the table below.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 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 ledgerEvent-level primary-source attachments begin with the September 2026 verification system. Older records remain visible but are not retroactively presented as evidenced.
Source checked 2026-06-11 · spot an outdated offer? Report a correction above.
Last Recorded Earning Rates
These terms are historical context and are not presented as current.
- 1xAll purchasesPoints worth 1.5% as cash back or 2% toward airfare redemptions
- 2xAirfare and hotels booked through LuxuryCardTravel.com
Last Recorded Credits
- Air travel credit$200
Applies to qualifying airline purchases
Last Recorded Benefits
Confirm availability and enrollment requirements with the issuer.
- ✦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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