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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.

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 CardChase Sapphire Reserve
 Apply NowApply Now
 

Mastercard® Black Card™

Chase Sapphire Reserve®

 

Credit Card Summary

 
  • Ideal for those seeking a premium travel card that doubles as an everyday workhorse, paired with elevated service beyond the ordinary. Leave behind the hassle of juggling various cards and monthly statements, while finding peace of mind with protection benefits that exceeds standard credit cards.
  • Flat-rate redemption value of 1.5% for cash back or 2% value for airfare redemption with no airline or seat restrictions and no blackout dates. Earn one point for every dollar spent. Straightforward redemption without needing a high-maintenance reward strategy. No foreign transaction fees, no earning caps, no rotating categories, and no need to chase down transfer partners to escape very low point values.
  • Annual Airline Credit—up to $100 in statement credits toward flight-related purchases including airline tickets, baggage fees, upgrades and more. Just pay for airline purchases with your Mastercard Black Card and we will automatically apply the credit to your account. That's it. No need to activate or designate an airline. The credit amount is available in full at the start of the calendar year.
  • Up to a $100 application fee credit for the cost of TSA Pre✓® or Global Entry. Also, enjoy automatic enrollment in Priority Pass™ Select with access to 1,300+ airport lounges worldwide with no guest or lounge limits. Includes credits at select airport restaurants for cardholder and one guest.
  • 24/7 Luxury Card Concierge®—Make requests the way you want by phone, email, SMS and chat in the app. Connect directly with a real agent and receive 24/7 assistance for tasks big and small. Requests do not require a purchase, incure no charge for making them, and do not involve department transfers.
  • 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. Receive protection benefits like trip cancellation and interruption, auto rental car collision waiver, travel accident and baggage delay. Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard® benefits.
  • Black PVD-Coated Metal Card: Weighing in at an industry-leading 22g. Designed for frequent shoppers, big ticket purchases and everything in between.
  • Annual Fee: $495 ($195 for each Authorized User). Terms and conditions apply.
  • 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
  • Member FDIC
 

Credit Card Interest Rates & Fees

Introductory APR for Balance Transfers0% 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 APR21.24%, 25.43%, 28.24% (Variable) based on your creditworthiness and other factors22.49% to 29.49% Variable based on your creditworthiness and other factors
Balance Transfers APR21.24%, 25.43%, 28.24% (Variable) based on your creditworthiness and other factors22.49% to 29.49% Variable based on your creditworthiness and other factors
Foreign Transaction Fee0% 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 Rewards1.5% 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 Rewards2% 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 StatusAnnual Airline Credit—up to $100 in statement credits toward flight-related purchases including airline tickets, baggage fees, upgrades and more. Just pay for airline purchases with your Mastercard Black Card and we will automatically apply the credit to your account. That's it. No need to activate or designate an airline. The credit amount is available in full at the start of the calendar year.
Up to a $100 application fee credit for the cost of TSA Pre✓® or Global Entry. Also, enjoy automatic enrollment in Priority Pass™ Select with access to 1,300+ 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 detailsGo to issuer's official application, terms, and details
 

CreditDonkey® Credit Card Reviews

 Mastercard Black CardChase Sapphire Reserve
Pros & ConsPros:
  • Stainless steel and carbon card
  • 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 LineStainless steel and carbon card with luxury benefits... Read full reviewUltra premium credit card for luxury travelers... 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.

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 Benefits

Chase Sapphire Reserve has benefits you may not know. Don't waste these valuable perks. Read this guide to maximize Chase Sapphire Reserve benefits.

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 Chase Sapphire Reserve's best benefits. Learn how to maximize this benefit including what lounges you can enter, how to use it, and the guest policy.

Chase Sapphire Reserve Rental Car Insurance

Chase Sapphire Reserve offers primary coverage for rental cars. Learn what this covers, how to use it, and how to file a claim.

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: What You Need to Know

Chase Sapphire Reserve Priority Pass

Priority Pass membership is one of Chase Sapphire Reserve's best benefits. Here is everything you need to know to sign up, activate and use it.

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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.

†Advertiser Disclosure: Many of the offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*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.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.

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