Last updated: 8/3/2021

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Luxury Card Mastercard Black

Earns: Luxury Card Rewards

GigaTake:

2% rewards for airfare is good, but it’s hard to justify the large annual fee when there are other cards that will offer 2% cash back on everything.

Here’s how much you would earn with this card

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${{totalValueToUser | number}}

How’d we figure that out?

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See how the Luxury Card Mastercard Black compares to other credit cards

Luxury Card Mastercard Black Other Cards


Hover the dots to view other Credit Cards

Reward Rate = 1x

Value = 2 cents per point
Effective Value = 2 %

0%
3%

Welcome Bonus = 0

Value = 2 cents per point
Effective Value = $0

$0
$1800

Annual Fee = $495

$0
$995
Welcome Bonus
0 Points
GigaInfo about Welcome Bonuses Welcome Bonuses 101 Article
Spending Rewards
1x All Spending

Excellent

excellent

Excellent

In the top 15% of cards.

Is this card right for me?

That depends on your individual spending patterns. We have a tool that figures it out for you. Learn what you could earn.

Program Name
Luxury Card Rewards
Gigapoints Value
2¢ per point
0.4¢ PER POINT
2¢+ PER POINT
Other Card Information

Note: Black Card redemptions are worth 2% for airfare purchases, but only 1.5% for cash back.

Annual Fee
  • $495
Use this card for…

You can earn more rewards by using different cards for different purchases. We built a tool that tells you which card to use, when. Just plug in your favorite brand, store, or category to find out which card pays the most.

Use the Best Card For tool Go

Additional perks of owning this card

$100 Annual Airline Credit

$100 annual airline credit toward qualifying airline purchases

$100 Global Entry Application Fee Credit

Mastercard Gold Card members receive a one hundred dollar ($100) statement credit for the cost of the Global Entry application fee.

Priority Pass™ Select

Enjoy complimentary access to more than 1,300 lounges in over 500 cities worldwide.

Luxury Card Concierge

Enjoy 24/7 access to Luxury Card Concierge—a complete lifestyle management service tailored to your personal requirements. From booking an extravagant travel itinerary to sourcing hard-to-find gifts, our Concierge specialists are on hand to ensure Cardmembers experience more.

Luxury Card Travel

The Luxury Card Travel program offers competitive rates and complimentary benefits at over 3,000 properties across the globe. Cardmembers receive an average value of $500 in benefits and services per stay. Benefits may include complimentary food and beverages, room upgrades, resort or spa credits and welcome amenities.

The Fine Print

INTRO APR FOR BALANCE TRANSFERS 0% for 15 months
PURCHASES APR 14.99%
BALANCE TRANSFER APR 14.99%
BALANCE TRANSFER FEE Either $5 or 3% of the amount of each transfer, whichever is greater.
CASH ADVANCE APR 25.24%
CASH ADVANCE FEE Either $10 or 5% of the amount of each cash advance, whichever is greater.
LATE PAYMENTS Up to $39
FOREIGN TRANSACTION FEE 0%