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Mastercard® Black Card™


  • 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)
  • Go to issuer's official application, terms, and details

See issuer's website for details including terms and conditions. While reasonable effort has been made to maintain accurate information, the information shown on this site may vary, be out of date, or not applicable to you.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.


Mastercard® Black Card™ is a Personal Mastercard card with $495 annual fee ($195 for each Authorized User added to the account).

Apply for the Mastercard Black Card with secure online application. To qualify for this offer, you usually need excellent credit.

Intro APR Intro Period as long as Regular APR
Purchases N/AN/A17.24% (Variable)
Balance Transfers 0%first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening.17.24% (Variable)
Cash Advances N/AN/A27.49% (Variable)

    Interest Rates & Interest Charges

  • Annual Percentage Rate (APR) for Purchases
    APR will be 17.24% (Variable) based on your creditworthiness and other factors.
  • Annual Percentage Rate (APR) for Balance Transfers
    0% introductory APR for first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening.. After that, your APR will be 17.24% (Variable) based on your creditworthiness and other factors.
  • Annual Percentage Rate (APR) for Cash Advances
    APR will be 27.49% (Variable) based on your creditworthiness and other factors.

    Fees

  • Annual Fee
    $495 annual fee ($195 for each Authorized User added to the account)
  • Balance Transfer Transaction Fee
    Either $5 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance Transaction Fee
    Either $10 or 5% of the amount of each cash advance, whichever is greater.
  • Foreign Transaction Fee
    0% of each transaction in U.S. dollars.
 Mastercard Black CardChase Sapphire Reserve
 Apply NowApply Now
 

Mastercard® Black Card™

Chase Sapphire Reserve®

 
  • 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 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • Named "Best Premium Travel Credit Card" for 2018 by MONEY® Magazine
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year
  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees.
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select
  • Up to $100 application fee credit for Global Entry or TSA Pre✓®
 

Interest Rates and 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 APR17.24% (Variable) based on your creditworthiness and other factors19.24% to 26.24% Variable based on your creditworthiness and other factors
Balance Transfers APR17.24% (Variable) based on your creditworthiness and other factors19.24% to 26.24% Variable based on your creditworthiness and other factors
Annual Fee$495 annual fee ($195 for each Authorized User added to the account)$450 annual fee
 

Benefits and Features

Introductory Bonus Reward Points Introductory Bonus Reward Points: Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
Cash Back RewardsCash Back Rewards: 1.5% Value for Cash Back Redemptions 
Travel Rewards Travel Rewards: 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees.
1:1 point transfer to leading airline and hotel loyalty programs
Airline RewardsAirline Rewards: 2% Value for Airfare RedemptionsAirline Rewards: 1:1 point transfer to leading airline and hotel loyalty programs
Hotel Rewards Hotel Rewards: 1:1 point transfer to leading airline and hotel loyalty programs
Point Rewards Point Rewards: 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases.
Airline StatusAirline Status: $100 Annual Airline Credit Toward Qualifying PurchasesAirline Status: $300 Annual Travel Credit (as reimbursement for travel purchases charged to your card).
Complimentary Priority Pass™ Select membership for access to 1,000+ airport lounges worldwide. Enrollment required for Priority Pass Select
Dining Rewards Dining Rewards: 3X points on dining at restaurants
Airline Transfer Partners Airline Transfer Partners: Chase airline transfer partners include United Airlines, Southwest Airlines, JetBlue, British Airways, Air France, Singapore Airlines, Virgin Atlantic, Iberia, and Aer Lingus.
 Apply NowApply Now

Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product 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.

    Complete Card Details

  • For the complete terms and conditions, view the issuer's official application, terms, and details. 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. Please review the terms and conditions on the issuer's website.


Articles on Mastercard® Black Card™

    Black Card

    March 22, 2019 - Reviews
    Is the Mastercard® Black Card™ worth the $495 annual fee? Find out what credit score you need to qualify, the limits, and how it compares.

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Compare Mastercard Black Card to:

Compare Mastercard Black Card vs Chase Sapphire Reserve
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • Named "Best Premium Travel Credit Card" for 2018 by MONEY® Magazine
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year
  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees.
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select
  • Up to $100 application fee credit for Global Entry or TSA Pre✓®
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
19.24% - 26.24% Variable
$450

Compare Mastercard Black Card vs American Express Platinum
  • 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 TypeAnnual Fee
Personal Charge Card
$550

Compare Mastercard Black Card vs American Express Gold
  • Earn 35,000 Membership Rewards® Points after you spend $2,000 on eligible purchases with your new Card within the first 3 months.
  • Earn 4X Membership Rewards® points when you dine at restaurants worldwide. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
  • $100 Airline Fee Credit: up to $100 in statement credits per calendar year for incidental fees at one selected qualifying airline.
  • Choose to carry a balance with interest on eligible charges of $100 or more.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
  • See Rates & Fees
Card TypeAnnual Fee
Personal Charge Card
$250

About CreditDonkey®
CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

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.

†Advertiser Disclosure: Many of the card offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*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.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.