Maria Adams, Credit Cards Moderator
@m_adams
No, the Visa Black Card doesn’t exist anymore. The offer changed card networks and rebranded from Visa to Mastercard back in 2016. Only the rebranded version of the card – now the Mastercard® Black Card – is available to new applicants. This card is offered through a partnership between Barclays and the so-called Luxury Card brand – the same as the Visa Black Card.
The Mastercard® Black Card also offers many of the same features as the Visa Black Card. For example, the Mastercard® Black Card has the same annual fee as the old Visa: $699 (plus $249 for each authorized user). Plus, it’s the mid-priced option in a 3-card lineup, which now includes the Mastercard® Gold Card and the Mastercard® Titanium Card.
What You Need to Get the Mastercard® Black Card
The Visa Black Card was touted as a luxury status symbol-type credit card, and so is the newer Mastercard® Black Card. However, neither is the invitation-only Centurion® Card from American Express, also known as “the black card.” You won’t need an invitation to apply for the Mastercard® Black Card. All you need is at least good credit, and you can apply through the Luxury Card website.
Mastercard® Black Card Benefits and Perks
The new Mastercard® Black Card is a carbon/stainless steel card and offers a few more perks than the old Visa version did. More specifically, with this card you can get:
- Earn 1 point for every $1 spent on this card. Receive 1.5% Value for Cash Back direct deposit into a US bank account or as a statement credit.
- Earn 2 points per $1 spent on eligible hotel and airfare purchases booked through LuxuryCardTravel.com.
- 2% Value for Airfare Redemption. 50,000 Points will get you a $1,000 ticket on any airline with no blackout dates or seat restriction.
- Receive up to $200 in annual air travel credits toward flight-related purchases, including airline tickets, baggage fees, upgrades and more.
- Get up to $100 in annual statement credits when you use your Luxury Card at qualifying restaurants.
- Plus, $120 automatic statement credit for the cost of the Global Entry Application Fee.
- Enjoy $500 value per stay through Luxury Card Travel program at 3,000+ global properties. Benefits include room upgrade at check-in (when available), daily breakfast for two, complimentary Wi-Fi, and unique amenity.
- Unlock $5 Lyft App credit monthly after 3 rides. Limit one Lyft credit per calendar month.
- Get three months of Instacart+ complimentary and $10 off your second order each month with your Mastercard® Black Card.
- Get a $3 statement credit each month with Peacock, when you use your Mastercard® Black Card.
- Airport Lounge Access with Priority Pass™ Select.
The card also added a promotional APR period of 0% for 15 months on balance transfers. There is also a balance transfer fee of 5% (min $5). The card’s regular APR is 19.74% (V). Many other things remain the same from the old card, though, like the 24-hour concierge service and 0% foreign transaction fee.
Overall, the Mastercard® Black Card isn’t as exclusive or valuable as it’s trying to look. But if you’re a frequent traveler, you’ll at least have the opportunity to make good use of the card’s best features, and it may prove to be worth the annual fee. That said, there are other travel cards with similar benefits, better ongoing rewards, and lower annual fees.
Notable Travel Credit Cards:
- Rates & Fees Best Overall: Chase Sapphire Preferred® CardLearn MoreLearn Moreon issuer's website
- Rates & Fees Best Overall: Chase Sapphire Preferred® CardLearn MoreLearn Moreon issuer's website
- Best Overall: Chase Sapphire Preferred® CardLearn MoreLearn More
- Rates & Fees Bonus Rewards: Capital One Venture X Rewards Credit CardLearn MoreLearn Moreon issuer's website
- Rates & Fees Bonus Rewards: Capital One Venture X Rewards Credit CardLearn MoreLearn Moreon issuer's website
- Bonus Rewards: Capital One Venture X Rewards Credit CardLearn MoreLearn More
- Rates & Fees Travel & Dining: Citi Strata Premier® CardLearn MoreLearn Moreon issuer's website
- Rates & Fees Travel & Dining: Citi Strata Premier® CardLearn MoreLearn Moreon issuer's website
- Travel & Dining: Citi Strata Premier® CardLearn MoreLearn More
- Rates & Fees Sign-Up Bonus: Capital One Venture Rewards Credit CardLearn MoreLearn Moreon issuer's website
- Rates & Fees Sign-Up Bonus: Capital One Venture Rewards Credit CardLearn MoreLearn Moreon issuer's website
- Sign-Up Bonus: Capital One Venture Rewards Credit CardLearn MoreLearn More
- Best Overall:
- Bonus Rewards:
- Travel & Dining:
- Sign-Up Bonus:
You can also check our editors’ latest picks for the best travel credit cards on the market to weigh your options.
People also ask
What are the requirements for an American Express Black Card?
The American Express Black Card’s requirements are rumored to include being an Amex cardholder for at least a year, spending over $100,000 annually on American Express credit cards, and annual income of at least $1 million. You’ll probably need to have an excellent credit score, too. To be clear, these things only get you an invitation to apply for the card. So that's just the bare minimum needed. There is a steep "initiation fee" of...
read full answer by Benny Joseph, WalletHub AnalystWhat are the Mastercard Black Card approval requirements?
The minimum requirements for the Mastercard® Black Card include being at least 18 years old, having a good credit score of 700 or better, and earning enough income to afford monthly bill payments. You also need to have a Social Security number or International Tax Identification Number.
Minimum Mastercard® Black Card Requirements
- Enough income to make the monthly minimum payment
- Good credit or better (700+ credit score)
- 18+ years old
- Social Security number...
How much is the American Express Black Card credit limit?
The American Express Black Card’s credit limit is determined on a month-to-month basis, and it depends on your overall spending and payment habits. That is because the Amex Black Card – officially known as the Centurion® Card from American Express - is a no preset spending limit (NPSL) card. American Express may also adjust the limit based on your card use.
This is one of the most exclusive credit cards out there, and it's designed for high-spenders.
read full answer by Peter Fox, WalletHub AnalystDid we answer your question?
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