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.
Rewards925Reviews11Q&AContactAccepted 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
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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Mastercard® Black Card Reviews
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I mean the Visa Black Card offers 1% cash back across all purchases, which is easily bested by any number of credit cards. Sure, it gives you lounge access, but a lot of cards do that as well and if you fly enough to really need it, you’ll probably get it for free instead of having to pay 500 bucks for it. What about 0% on transfers for 15 months? The Slate Card offers the same thing and doesn’t charge the same 3% fee.
Needless to stay, there’s very little reason to even consider opening the Visa Black Card.
While the Centurion Card is truly exclusive (it’s invitation only and no one really knows exactly what it takes to get invited) and truly provides personal service unattainable from any other card, the Visa Black Card basically feigns at these things. Yeah, Barlcays says it’s exclusive, but I bet that’s just because no one wants to pay that much money for such a mediocre credit card. And sure it offers 24/7 concierge service, but I’d bet it’s nothing more than the glorified customer service call center that pretty much every credit card company positions as a concierge service and offers to its customers. So at the end of the day I’d run not walk away from the Visa Black Card and consider yourself lucky not to have been duped because being back in black, like the Visa’s Black Card advertising says, is a good way to see your finances into the red.
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