Mastercard® Black Card™ vs Chase Sapphire Preferred® Card
Compare Rewards, Interest Rates, Fees, and Benefits
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Mastercard Black Card is a stainless steel and carbon card with luxury benefits. How does it compare to Chase Sapphire Preferred, a travel, airline, points and restaurant card? Read our comparison chart below.
Keep in mind, the Mastercard Black Card has a $495 annual fee ($195 for each Authorized User added to the account), while the Chase Sapphire Preferred has a
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Mastercard® Black Card™ | Chase Sapphire Preferred® 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 | 19.99% (Variable) based on your creditworthiness and other factors | 21.24% to 28.24% Variable based on your creditworthiness and other factors |
| Balance Transfers APR | 19.99% (Variable) based on your creditworthiness and other factors | 21.24% to 28.24% Variable based on your creditworthiness and other factors |
| Foreign Transaction Fee | 0% of each transaction in U.S. dollars. | $0 |
| Annual Fee | $495 annual fee ($195 for each Authorized User added to the account) | |
Credit Card Rewards & Benefits | ||
| Introductory Bonus Offer | Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®. | |
| Cash Back Rewards | 1.5% value for cash back redemptions | |
| Travel Rewards | 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases | |
| Airline Rewards | 2% value for airfare redemptions with no blackout dates or seat restrictions. | 1:1 point transfer to leading airline and hotel loyalty programs |
| Bonus Hotel Rewards | $50 annual Ultimate Rewards Hotel Credit | |
| Hotel Rewards | 1:1 point transfer to leading airline and hotel loyalty programs | |
| Point Rewards | 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases. Earn 1 point per dollar spent on all other purchases. | |
| 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. | |
| Dining Rewards | 3X points on dining | |
| Airline Transfer Partners | Chase airline transfer partners include United Airlines, Southwest Airlines, JetBlue, British Airways, Air Canada, Air France, Singapore Airlines, Virgin Atlantic, Iberia, Emirates, and Aer Lingus. | |
| 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:
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| Bottom Line | Stainless steel and carbon card with luxury benefits... | High-earning rewards card for those with excellent credit... |
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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. | ||
Which is Better: Mastercard Black Card or Chase Sapphire Preferred?
Still need help deciding which travel credit card is better? Read the in-depth reviews below. You may also be interested in comparing Mastercard Black Card or Chase Sapphire Reserve.
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 Chase Sapphire Preferred® Card
Chase Sapphire Review
Travel credit cards are a smart way to earn flights and hotel stays. Our favorite is the Chase Sapphire Preferred® Card because of its bonus point offer and premium travel benefits. Read on to see if the annual fee is worth it for you.
Credit Score for Chase Sapphire
Chase Sapphire Preferred usually requires an excellent credit score (720+). But this is not the only deciding factor. Find out how to improve your odds.
Chase Sapphire Preferred Credit Score Needed
Chase Sapphire Preferred usually requires great credit, which means 720 or more. However, many users can be approved with a lower score. Find out the credit requirements needed.
Chase Sapphire Preferred Rental Car Insurance
Chase Sapphire Preferred offers primary coverage for rental cars. Learn what this covers, how to use it, and how to file a claim.
Chase Sapphire Preferred Credit Limit
Many Chase Sapphire Preferred users receive a credit limit of $5,000 - $20,000. Find out how Chase determines your credit limit and how to get an increase.
Which Do You Like and Why?
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