Mastercard® Black Card™ vs Chase Sapphire Reserve®

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 Chase Sapphire Reserve, 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 Reserve has a $550 annual fee.

	Mastercard® Black Card™	Chase Sapphire Reserve®


	Credit Card Summary
	Patented black-PVD-coated metal card—weighing 22 grams. 2% value for airfare redemptions with no blackout dates or seat restrictions. 1.5% value for cash back redemptions. Earn one point for every one dollar spent. 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. Enrollment in Priority Pass™ Select with access to 1,300+ airport lounges worldwide with no guest limit. Includes credits at select airport restaurants for cardholder and one guest. 24/7 Luxury Card Concierge®—available by phone, email and live mobile chat. Around-the-clock service to help you save time and manage tasks big and small. Exclusive Luxury Card Travel® benefits—average value of $500 per stay (e.g., resort credits, room upgrades, free wifi, breakfast for two and more) at over 3,000 properties. Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard® benefits. Annual Fee: $495 ($195 for each Authorized User). Terms and conditions apply. See Current Offer	Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards® $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year. Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® 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 Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel 1:1 point transfer to leading airline and hotel loyalty programs Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck® Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more See Current Offer
	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	21.49% to 28.49% Variable based on your creditworthiness and other factors
Balance Transfers APR	19.49% (Variable) based on your creditworthiness and other factors	21.49% to 28.49% 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)	$550 annual fee
	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 $900 toward travel when you redeem through Chase Ultimate Rewards®
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 Ultimate Rewards® 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 Ultimate Rewards® 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. Up to a $100 application fee credit for the cost of TSA Pre✓® or Global Entry.	$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

Pros & Cons	Pros: Metal design Concierge service Travel benefits Cons: $495 annual fee No signup bonus	Pros: Bonus points Annual travel credit Elite travel benefits Cons: $550 annual fee No introductory annual fee No intro APR
Bottom Line	Sleek metal credit card with luxury benefits... Read full review	Ultra premium credit card for luxury travelers... Read full review

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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

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 Reserve®

Which Do You Like and Why?

Compare Mastercard Black Card to:

The Platinum Card® from American Express
Terms Apply \| Read Review \| See Rates & Fees
Intro APR for Purchases	Intro APR for Balance Transfer	Regular APR	Annual Fee
N/A	N/A	See Pay Over Time APR	$695

American Express® Gold Card
Terms Apply \| Read Review \| See Rates & Fees
Intro APR for Purchases	Intro APR for Balance Transfer	Regular APR	Annual Fee
N/A	N/A	See Pay Over Time APR	$250