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Mastercard® Black Card
Mastercard® Black Card
Info about Mastercard® Black Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
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Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit
Annual Fee
$495
Rewards
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.
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 an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
Plus, $100 automatic statement credit for the cost of the Global Entry Application Fee.
Airport Lounge Access with Priority Pass™ Select.
APR on Purchases
19.24% (V)
Balance Transfer
0% intro APR for 15 months, 19.24% (V) APR after that
Balance Transfer Fee
WalletHub Review
by John Kiernan
January 30th, 2023
Mastercard® Black Card Pros & Cons
0% intro APR on balance transfers
No foreign fee
High membership fees
No initial rewards bonus
No intro APR on purchases
Balance transfer fee
Mastercard® Black Card's Additional Info
| cash advance fee | 5% (min $10) |
| cash advance APR | 29.49% (V) |
| foreign transaction fee | 0% |
| smart chip | Yes, chip-and-PIN |
| max late fee | $39 |
| max overlimit fee | $0 |
| max penalty APR | None |
| grace period | 23 days |
0% Introductory APR on balance transfers that post to your account within 45 days of account opening.
$195 Annual Fee for each Authorized User added to the account.
Stainless Steel/Carbon Card – Patented Design.
Luxury Card Concierge, 24 hours a day, 365 days a year.
Privileged access to exclusive events and insider opportunities.
Access to the Tournament Players Club (TPC) network of private club courses and Priceless® Surprises.
Questions & Answers
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Compare The Mastercard® Black Card
Purchase Intro APRNot Offered
Purchase Intro APRNot Offered
Purchase Intro APRNot Offered
Transfer Intro APR0% for 15 months|Transfer Fee: 3% (min $5)
Transfer Intro APR0% for 12 billing cycles|Transfer Fee: $0
Transfer Intro APR0% for 12 months|Transfer Fee: 3%
Regular APR19.24% (V)
Regular APR12.50% - 18.00% (V)
Regular APR17.99% (V)
Rewards Rate1 point / $1
Rewards Rate1 - 2 points / $1
Rewards Rate1 - 5 points / $1
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Mastercard® Black Card Reviews
Share your insights and review the Mastercard® Black Card
2.7
925 reviews
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1 Star Rating
The high fees of the Visa black Credit card make it a card I would not have. I don't buy luxury items and would not be able to afford the high annual fee. Maybe a great deal for the wealthier people of the world.
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1 Star Rating
This card is not a card for me. The requirements to any of the rewards are too high. I would not recommend this card for the average person
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1 Star Rating
Apparently you must be in a very high income bracket to have this card. Although it may be nice to have a stainless steel card the annual fee is extraordinary at $495. And although the interest is more reasonable than the one I have with Capital One the late penalty seem higher and with a zero liability for unauthorized purchases this puts one in an unsafe place as far as identity/card theft. This card would be no benefit for my lifestyle - which is not one of the "rich and famous".
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2 Star Rating
The Visa Black credit card seems great for someone with a high income and who travels a lot. I mean, the perks for traveling comfortably are undeniable with late check out, early check in, lounges in airports, etc. But, the fact of the matter is, if you're an average person (like most people are) the $495 annual fee can absolutely be beat with a different card. Chase Freedom is another card that has similar traveling perks for much less cost. I can't say I'd choose this card over Chase Freedom even if I was a high income/frequent traveler consumer, but to each their own.
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2 Star Rating
Its got all the great perks to lure you in: You can earn 25,000 points, plus 1 point per dollar spent. Sounds rewarding. And then you realize that its all just a scam unless you have some good money coming in. As a 22 year old wife and mother, this isn't for me. At all. A $495 annual fee is almost a month of rent for my family. And if I want those 25,000 points I have to spend $1,500 within the first 90 days. For people who travel a lot (fly, stay in hotels, go out to eat) this would be the card for you. But for me, I don't see myself in any lounges, or on any vacations anytime soon, anyway. I'll pass on the Visa Black Credit Card!
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2 Star Rating
the Visa Black Credit card is not something i would want to get into, especially for me being a student. it's totally too expensive to maintain and they have set an unrealistic target. i would take the Capital One Secured Mastercard over this one any day anytime.
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3 Star Rating
In my opinion, the best other comparable would be the Amex Platinum Card because of the annual fee. Other cards in a similar annual fee range include the Citi Chairman Club. So in terms of common features, I find the Visa Black Card slightly lacking compared to the Amex Platinum and the Citi Chairman Card. But whether it affects you depends on whether you use those features. If you do not travel internationally, then it does not matter! When I look at high end cards, the most important thing to me are the travel rewards (especially airline rewards). I doubt any serious cardholder exchanges points for gift cards and other merchandise stuff! The Visa Black Card has a travel reward system that is different from other high end cards and will suit travelers who travel frequently on flights that cost between $400 to $500. It is in this range that you get the most bang for the buck on your reward points. If you fly southwest and your ticket costs around $200, then this card is not for you.
If you are the sort of person that has multiple frequent flier programs and likes to use airline alliance to get the most bang for the buck, then this card is not for you. If you only fly with one airline, then perhaps, getting that particular airline credit card is better.
If you are the sort of person that has multiple frequent flier programs and likes to use airline alliance to get the most bang for the buck, then this card is not for you. If you only fly with one airline, then perhaps, getting that particular airline credit card is better.
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2 Star Rating
The Visa Black Card seems, to me, very pricey and for people who are willing to spend quite a bit of money. I'm a student and the thought of spending $1500 in the first 90 days just floors me. I couldn't imagine it. The annual fee seems a little pricey for me too and considering I don't travel much, I wouldn't get my money's worth. I see that it also has zero liability protection against unauthorized purchases. I feel that that should be the biggest concern, with so many people having credit cards stolen and unauthorized purchases, there should be some type of protection.
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Zero liability is a plus. It means you are never liable for fraudulent purchases. Although, I thought federal law required this of all credit cards...
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4 Star Rating
I love the fact that the Visa Black credit card has a zero introductory interest rate and provides you with VIP treatment at so many hotels around the world. The annual fee is higher than that of my other cards, but the benefits make it worth the extra cost.
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2 Star Rating
The Visa Black Credit Card is definitely more geared toward the big spenders. As a student myself, I don't really see much rewards coming out of a card like this, because I can't possibly spend that much without going completely broke. The $495 Annual Fee alone is one of the most off putting to me, personally. When I can have a rewards credit card for free with my bank, I don't see the need to pay a yearly fee to someone else. It might look intriguing at first, but I wouldn't be fooled, by the fancy looking perks, that in reality you may never see, and just end up paying the high fees and interest rates.
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Offer last updated: Jan 30th, 2023 at 08:10 ET
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PURCHASE INTRO APR
Not Offered
TRANSFER INTRO APR
0% for 12 billing cycles $0 Transfer Fee
REGULAR APR
12.50% - 18.00% (V)
ANNUAL FEE
$0
REWARDS RATE
1 - 2 points / $1
BONUS OFFER
20,000 points
MINIMUM CREDIT