Mastercard® Black Card™ vs Chase Sapphire Reserve®
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 Reserve, a travel, airline, points and restaurant card? Read our comparison chart below.
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Mastercard® Black Card™ | Chase Sapphire Reserve® | |
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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 | 20.24% to 28.24% (Variable) based on your creditworthiness and other factors | 20.24% to 28.74% Variable based on your creditworthiness and other factors |
| Balance Transfers APR | 20.24% to 28.24% Variable, based on your creditworthiness and other factors based on your creditworthiness and other factors | 20.24% to 28.74% 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 $5,000 on purchases in the first 3 months from account opening. | |
| Cash Back Rewards | 1.5% value for cash back redemptions | |
| Travel Rewards | Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases. 1:1 point transfer to leading airline and hotel loyalty programs | |
| 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 |
| Hotel Rewards | 1:1 point transfer to leading airline and hotel loyalty programs | |
| Point Rewards | Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 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. Cardmembers simply pay for airline purchases with their Mastercard Black Card and the credit is automatically applied to their account. There's no need to activate or designate an airline. The full credit amount is available at the start of the calendar year. Up to a $120 application fee credit for the cost of TSA Pre✓® or Global Entry. Also, enjoy automatic enrollment in Priority Pass™ Select with access to 1,500+ airport lounges worldwide with no guest or lounge limits. Includes credits at select airport restaurants for cardholder and one guest. | $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year. Complimentary Priority Pass™ Select membership for access to 1,300+ airport lounges worldwide. One-time enrollment required for Priority Pass Select |
| Dining Rewards | 3x points on dining at restaurants | |
| 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... | Ultra premium credit card for luxury travelers... |
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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. For rates and fees of the Mastercard® Black Card™ card, please click here. | ||
Which is Better: Mastercard Black Card or Chase Sapphire Reserve?
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 Preferred.
Articles on Mastercard® Black Card™
Mastercard Black Card
Want to know if the Mastercard® Black Card™ is worth its cost? Discover the privileges and requirements in this in-depth review.
Articles on Chase Sapphire Reserve®
Chase Sapphire Reserve Credit Score
You usually need an excellent credit score for Chase Sapphire Reserve® (720+). But this is not the only factor. Here's how to improve your approval odds.
Chase Sapphire Reserve Lounge Access
Airport lounge access is one of the best benefit of Chase Sapphire Reserve® . Learn how to maximize this perk including what lounges you can enter, how to use it, and the guest policy.
Chase Sapphire Reserve Credit Limit
Many Chase Sapphire Reserve® users receive a credit limit of $10,000 - $25,000. Find out how Chase determines your credit limit and how to get an increase.
Chase Sapphire Reserve Priority Pass
Priority Pass membership is one of Chase Sapphire Reserve® best benefits. Here is everything you need to know to sign up, activate and use it.
Which Do You Like and Why?
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For rates and fees of the Chase Sapphire Preferred® Card, please click here.
For rates and fees of the Ink Business Preferred® Credit Card, please click here.
