Meet the Contenders
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Strongest in travel at 3%.
2x points (≈3% value) on airfare/hotels via Luxury Card Travel; up to $320 in annual credits ($200 airline + $100 dining + $120 Global Entry/TSA PreCheck) plus unlimited-guest lounge access.
Earns a solid 1.5% on everything else.
Annual fee: $699
Foreign fees: 0%
Perfect if: You spend enough in bonus categories to easily offset the annual fee.
Beyond the points: Up to $300 in annual statement credits ($200 airline + $100 dining), plus a $120 Global Entry/TSA PreCheck credit, 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.
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Strongest in travel at 3%.
3x points on restaurants, travel, gas, transit, streaming, and phone plans.
Annual fee: None
Sign-up bonus: 20,000 points after $1,000 spend in 3 months
Foreign fees: 0%
Perfect if: You want solid rewards without paying an annual fee.
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The Verdict
Luxury Card Mastercard Black Card pulls ahead for
groceries spending.
Wells Fargo Autograph Card wins on
dining, gas.
The $699/year fee difference means
Luxury Card Mastercard Black Card needs to earn about that much more in rewards to justify its cost.
Luxury Card Mastercard Black Card carries $420/year in credits (mostly unlocked by everyday bonus-category spending).
Those only count if you’d actually use them — worth checking against your own habits before treating them as a discount on the fee.
Rewards rates aren’t the whole story here. Lounge access, concierge service, travel protections, and statement credits can be worth more than a fraction of a percent in earn rate — see the key benefits above and weigh them against how you travel and spend.
Not sure which fits your life? Enter your spending below and we’ll do the math — the calculator ranks purely on rewards minus the full annual fee, so credits and perks are yours to judge.