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Mastercard® Black Card™ vs American Express® Gold Card

Compare Rewards, Interest Rates, Fees, and Benefits

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

Charge Card vs Credit Card: Mastercard® Black Card™ is a credit card while American Express® Gold Card 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 CardAmerican Express Gold Card
 Apply NowApply Now
 

Mastercard® Black Card™

American Express® Gold Card

 Personal Credit CardPersonal Charge Card
 
Cash Back RewardsAirline RewardsConcierge
Introductory Bonus OfferAirline RewardsPoint RewardsGrocery RewardsNo Pre-Set Spending Limit
 
  • 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 35,000 Membership Rewards® points after you spend $4,000 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 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 factorsSee Rates & Fees
Balance Transfers APR16.49% (Variable) based on your creditworthiness and other factorsSee Rates & Fees
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)$250 annual fee
 

Card Rewards & Benefits

Introductory Bonus Offer Earn 35,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 3 months.
Cash Back Rewards1.5% Value for Cash Back Redemptions 
Airline Rewards2% Value for Airfare RedemptionsEarn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
Point Rewards 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.
Airline Status$100 Annual Airline Credit Toward Qualifying Purchases$100 Airline Fee Credit: up to $100 in statement credits per calendar year for incidental fees at one selected qualifying airline.
Grocery Rewards Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X).
Dining Rewards Earn 4X Membership Rewards® points when you dine at restaurants worldwide.
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.
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 CardAmerican Express Gold Card
Pros & ConsPros:
  • Metal design
  • Concierge service
  • Travel benefits
Cons:
  • $495 annual fee
  • No signup bonus
Pros:
  • Welcome bonus
  • Airline fee credit
  • 3x points for flights booked directly with airlines
Cons:
  • $250 annual fee
Bottom LineSleek metal credit card with luxury benefits... Read full reviewGood rewards card for cardholders who fly frequently or eat out... Read full review
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    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.


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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 Platinum
    Introductory Bonus OfferTravel RewardsAirline RewardsHotel RewardsPoint RewardsNo Pre-Set Spending LimitConciergeEventsCar Rental Insurance Extended WarrantyPurchase ProtectionReturn Protection$0 Fraud LiabilityIdentity Theft Assistance
    Card TypeAnnual Fee
    Personal Charge Card
    $550

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    Compare American Express Gold 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
    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
    Gold Delta SkyMiles

    Gold Delta SkyMiles® Credit Card from American Express

    Introductory Bonus Airline RewardsAirline RewardsCar Rental InsuranceExtended Warranty
    Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
    N/AN/A
    17.24% - 26.24% Variable
    Annual Fee
    $0 introductory annual fee for the first year, then $95


    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.

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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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