The Mastercard Black Card’s credit limit could be $5,000 to $25,000, based on user reports. But the card’s issuer (Barclays) does not disclose an official minimum starting limit. They do say that it’s impossible to request a certain limit though. Given that the Mastercard Black Card is advertised as a “luxury” card and charges an annual fee of $495, applicants may assume it will have a high limit. That may or may not prove true, depending on the applicant. But even if it does, the high fee means this black card probably won’t be worth it.
Mastercard’s Black Card offers few perks. There’s only 1 point per $1 on purchases, a $100 annual air travel credit and a Priority Pass Select lounge membership. That’s really not worth the cost, especially when there are cheaper options available with better rewards.
But there’s a second “Black Card.” The Amex Centurion card is better known by that nickname. It’s an extremely exclusive card available only through invitation to high-income, high-spending Amex clients. The Centurion card has no preset spending limit, which means that the amount you can spend can change each month based on how much you choose to spend, your credit, your income and more.
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