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Mastercard® Black Card™ vs The Platinum Card® from American Express

Compare Rewards, Interest Rates, Fees, and Benefits

Luxury Card and American Express are CreditDonkey partners. We receive compensation if you apply and get approved for a card through links in our content. You do not have to use our links, but you help support CreditDonkey if you do. (read more)

Mastercard Black Card is a sleek metal credit card with luxury benefits. How does it compare to American Express Platinum, a travel and airline charge card? Read our comparison chart below.

Charge Card vs Credit Card: Mastercard® Black Card™ is a credit card while The Platinum Card® from American Express is a charge card. If you plan to carry a balance, avoid charge cards as they usually require that you pay in full.

 Mastercard Black CardThe Platinum Card from American Express
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Mastercard® Black Card™

The Platinum Card® from American Express

 Personal Credit CardPersonal Charge Card
 
Cash Back RewardsAirline RewardsConcierge
Introductory Bonus OfferTravel RewardsAirline RewardsHotel RewardsPoint Rewards
 
  • Stainless Steel – Patented Black-PVD-Coated Metal Card
  • 2% Value for Airfare Redemptions
  • 1.5% Value for Cash Back Redemptions
  • 24/7 Luxury Card Concierge™ – Available by phone, email, and mobile chat
  • Exclusive Luxury Card Travel Benefits
  • $100 Annual Airline Credit Toward Qualifying Purchases
  • $100 Global Entry Application Fee Credit
  • Annual Fee: $495 ($195 for each Authorized User)
  • Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
  • Enjoy Uber VIP status and free rides in the U.S. up to $15 each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings.
  • 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
  • 5X Membership Rewards points on prepaid hotels booked on amextravel.com.
  • Enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
  • Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn More.
  • $200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline.
  • Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. Enrollment required.
  • $550 annual fee.
  • Terms Apply.
  • See Rates & Fees
 

Card Interest Rates & Fees

Introductory APR for Balance Transfers0% introductory APR for first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening.N/A
Purchase APR16.49% (Variable) based on your creditworthiness and other factorsN/A
Balance Transfers APR16.49% (Variable) based on your creditworthiness and other factorsN/A
Foreign Transaction Fee0% of each transaction in U.S. dollars.No foreign transaction fee
Annual Fee$495 annual fee ($195 for each Authorized User added to the account)$550 annual fee
 

Card Rewards & Benefits

Introductory Bonus Offer Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
Cash Back Rewards1.5% Value for Cash Back Redemptions 
Travel Rewards Travel Rewards
Airline Rewards2% Value for Airfare Redemptions5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
Hotel Rewards 5X Membership Rewards points on prepaid hotels booked on amextravel.com.
Point Rewards Earn 1 point for virtually every dollar spent.
Airline Status$100 Annual Airline Credit Toward Qualifying Purchases$200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline. Terms Apply.
Access to 5 airport lounge networks including The Centurion® lounge network, The International American Express lounges, Delta Sky Club® lounges, Priority Pass(TM) Select, and Airspace Lounge. Enrollment required for Priority Pass Select.
Hotel Status Enroll for complimentary Marriott Bonvoy Gold Status.
Enroll for complimentary Hilton Honors Gold Status.
Fine Hotels & Resorts - book your stay through American Express FHR at one of 600 luxury hotels and you may get a room upgrade upon arrival, daily continental breakfast for 2, guaranteed 4pm late checkout and a special amenity unique to each property. Terms Apply.
Airline Transfer Partners Airline transfer partners include Delta, Hawaiian Airlines, Aeromexico, Air Canada, Air France, Emirates, Cathay Pacific (Asia Miles), Virgin Atlantic, Singapore Airlines, Etihad, Alitalia, All Nippon Airways and more.
 Go to issuer's official application, terms, and detailsGo to issuer's official application, terms, and details
 

CreditDonkey® Card Reviews

 Mastercard Black CardThe Platinum Card from American Express
Pros & ConsPros:
  • Metal design
  • Concierge service
  • Travel benefits
Cons:
  • $495 annual fee
  • No signup bonus
Pros:
  • Travel benefits
  • 60,000 bonus points after you spend $5000 in first 3 months
  • Concierge service
Cons:
  • $550 annual fee
Bottom LineSleek metal credit card with luxury benefits... Read full reviewExcellent charge card for frequent travelers... Read full review
 Apply NowApply Now
What Others View

    See issuer's website for details including terms and conditions. While reasonable effort has been made to maintain accurate and updated information, the information shown on this site may vary, be out of date, or not applicable to you. All information is provided without warranty. When you click on the Apply Now button, you can review the terms and conditions on the issuer's website.

    Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the issuer's website for details.

    Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

    Which is Better: Mastercard Black Card or American Express Platinum?

    Still need help deciding which travel card is better? Read the in-depth reviews below. You may also be interested in comparing Mastercard Black Card or Chase Sapphire Preferred.


    Articles on Mastercard® Black Card™


    Articles on The Platinum Card® from American Express


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    Compare Mastercard Black Card to:

    Chase Sapphire Reserve
    Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
    N/AN/A
    18.74% - 25.74% Variable
    $450

    American Express Gold
    Introductory Bonus OfferAirline RewardsPoint RewardsGrocery RewardsNo Pre-Set Spending LimitDining RewardsEventsCar Rental InsuranceExtended Warranty Purchase ProtectionBaggage Insurance$0 Fraud Liability
    Card TypeAnnual Fee
    Personal Charge Card
    $250

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    Compare American Express Platinum to:

    Chase Sapphire Preferred

    Chase Sapphire Preferred® Card

    Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
    N/AN/A
    17.74% - 24.74% Variable
    Annual Fee
    $95
    American Express Business Platinum

    The Business Platinum® Card from American Express

    Introductory Bonus OfferTravel RewardsAirline RewardsBonus Airline Rewards
    Annual Fee
    $595
    Blue Cash Preferred

    Blue Cash Preferred® Card from American Express

    Introductory Bonus Cash BackCash Back RewardsGas RewardsGrocery Rewards
    Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
    0% on purchases for 12 months
    0% on balance transfers for 12 months
    14.49% - 25.49% Variable
    Annual Fee
    $95


    About CreditDonkey®
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    Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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    *See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

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