Mastercard® Black Card®
- Annual fee
- $699
- Earn rate
- 2Xon airfare & hotels via LuxuryCardTravel.com, 1X elsewhere
- Redemption value
- 2% / 1.5%airfare / cash back redemptions
- Annual credits
- $300+$120 every 5 yrs
- Foreign transaction fee
- 0%
Earns 2X on airfare & hotels via LuxuryCardTravel.com and 1X elsewhere, with points worth 2% redeemed for airfare or 1.5% redeemed for cash back.
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The middle tier runs on its credits more than its earn rate. The $200 airline and $100 dining credits need no enrollment and no designated merchant list, so they land on ordinary spending you were going to do anyway, and together they cover most of the $699 before a single point is counted. Points are worth 1.5% redeemed for cash back or 2% redeemed for airfare. It fits you if you reliably spend $200 on flights and $100 at restaurants in a year. If either credit would go unused, the case for this tier gets thin quickly.
Beyond the points: Up to $300 in annual statement credits ($200 airline + $100 dining), plus a $120 Global Entry/TSA PreCheck credit every 5 years, offset a large share of the $699 fee before any points are counted. Then add Priority Pass Select with unlimited guest visits and 24/7 concierge.
Annual Credits
This card currently offers $300 in annual credits, plus a $120 Global Entry/TSA PreCheck credit every 5 years. What they're actually worth depends on how you spend, so run your own numbers in the calculator to see which ones you'd capture.
- $200 Airline fee credit requires spending in this category
- $100 Dining credit requires spending in this category
- $120 Global Entry/TSA PreCheck $120 every 5 years
Credits are not factored into our rankings. Cards are ordered by rewards earned minus the full annual fee. We show credits separately so you can judge them against your own habits rather than taking an advertised total at face value.
Rewards Breakdown
| Category | Earn | Details |
|---|---|---|
| Airfare & hotels via LuxuryCardTravel.com | 2X points | Unlimited |
| All other purchases | 1X points | Unlimited |
| Foreign Transaction Fee | None | Great for international purchases |
Redemption value
- 2% redeemed for airfare
- 1.5% redeemed for cash back
What that looks like
Spend $2,500 on airfare & hotels via LuxuryCardTravel.com and you earn 5,000 points. Redeem them for cash back and that is $75. Redeem them for airfare and it is $100.
Earn terms
Earn 2X points on Airfare and Hotel reservations booked through LuxuryCardTravel.com. One point for every one dollar you spend for all other categories, earning points every time you spend.
- 2% Value for Airfare Redemptions
- 1.5% Value for Cash Back Redemptions
- Terms and Conditions Apply
Compare With Similar Cards
See How Much You’d Earn
Enter your monthly spending to see how the Luxury Card Mastercard Black Card compares against other cards based on your actual habits.
See Your Estimated RewardsFrequently Asked Questions
What is the annual fee for the Luxury Card Mastercard Black Card?
The Luxury Card Mastercard Black Card has an annual fee of $699.
What is the sign-up bonus for the Luxury Card Mastercard Black Card?
The Luxury Card Mastercard Black Card does not currently offer a sign-up bonus.
Does the Luxury Card Mastercard Black Card charge foreign transaction fees?
No, the Luxury Card Mastercard Black Card does not charge foreign transaction fees.
What categories earn bonus rewards with the Luxury Card Mastercard Black Card?
Earn 2X points on Airfare and Hotel reservations booked through LuxuryCardTravel.com. One point for every one dollar you spend for all other categories, earning points every time you spend. Terms and conditions apply.
These rankings are estimates based on published card terms. Actual rewards depend on your spending patterns, how you redeem, and whether your purchases qualify for bonus categories. Rates and terms may change, so verify current offers on the issuer’s site.
The Luxury Card trademarks are property of Barclays Lifestyles LLC. BLACK CARD is a registered trademark used under license. Luxury Card products are issued by Barclays Bank Delaware pursuant to a license from Mastercard International Incorporated, owner of the registered trademarks Mastercard, World Elite Mastercard, and the circles design. All trademarks are the property of their respective owners. © 2026 Barclays Lifestyles LLC