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 card? Read our comparison chart below.
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Mastercard® Black Card™ | American Express® Gold Card | |
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Credit Card Summary | ||
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Credit Card Interest Rates & Fees | ||
| Introductory APR for Balance Transfers | 0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening. | N/A |
| Purchase APR | 19.49% (Variable) based on your creditworthiness and other factors | See Pay Over Time APR |
| Balance Transfers APR | 19.49% (Variable) based on your creditworthiness and other factors | N/A |
| Foreign Transaction Fee | 0% 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) | |
Credit Card Rewards & Benefits | ||
| Introductory Bonus Offer | Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership. | |
| Cash Back Rewards | 1.5% value for cash back redemptions | |
| Airline Rewards | 2% value for airfare redemptions with no blackout dates or seat restrictions. | 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com. |
| Point Rewards | Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com. | |
| Airline Status | Annual Airline Credit—up to $100 in statement credits toward flight-related purchases including airline tickets, baggage fees, upgrades and more. Up to a $100 application fee credit for the cost of TSA Pre✓® or Global Entry. | |
| Grocery Rewards | Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). | |
| Dining Rewards | Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S. $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. 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 details | Go to issuer's official application, terms, and details | |
CreditDonkey® Credit Card Reviews | ||
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| Pros & Cons | Pros:
| Pros:
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| Bottom Line | Sleek metal credit card with luxury benefits... | Good rewards card for cardholders who fly frequently or eat out... |
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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. | ||
Articles on Mastercard® Black Card™
Mastercard Black Card
Does Mastercard® Black Card™ provide enough benefits to justify the steep annual fee? Read our in-depth review and find out the requirements to qualify.
Articles on American Express® Gold Card
American Express Gold
If you spend a lot, the American Express® Gold Card may be worth considering. Read on for the pros and cons of the AMEX Gold Card.
Which Do You Like and Why?
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