Credit Cards (US)

Mastercard® Luxury Black credit card full review

Have you ever seen a credit card that provides you with an experience of unboxing? The Mastercard® Luxury Black credit card is all about this kind of exclusivity. Take a look at the review we’ve prepared for you!

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by Aline Augusto

Published on 01/16/2022

Mastercard® Luxury Black credit card

Read our full review to learn more about this card. Source: Luxury Card.

The Mastercard® Luxury Black credit card is made of Black-Physical-Vapor-Deposition-Coated Metal (or Black-PVD-Coated Metal) and weighs 22g. That’s one feature that makes you feel special to be its cardholder.

This post will review all the benefits this card can give you, as well as the fees, pros, and cons.

So, stay tuned if you want to know whether you are eligible to hold this luxurious piece of metal and perks.

Credit ScoreFrom Very Good to Excellent
Annual Fee$495 (plus $195 for each additional and authorized user)
Regular APRIt charges 14.99% Variable APR on transfers and purchases 
Welcome bonusNone
Rewards1 point for each dollar spent on all purchases
Airfare redemption
Cashback redemptions
Cartão Mastercard® Luxury Black em cima de bandeja de prata

How to apply for Mastercard® Luxury Black card?

The best cashback and airfare redemptions are only the beginning of all benefits the Mastercard® Luxury Black credit card can offer you. See how to apply for it!

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How does the Mastercard® Luxury Black credit card work?

Mastercard Luxury Black credit card
Know all about the features of the credit card. Source: Freerange.

The credit card is more than a well-designed black metal card. It fits a perfectly luxurious life.

That is because the card gives you 24/7 concierge service, with agents supporting personal requests, like event planning and travel booking.

Also, it provides VIP access at airports and VIP treatment at hotels. Like its similar card, the Mastercard® Luxury Gold credit card, the black one gives you credit in air travel.

Moreover, if you like traveling, this card guarantees you are protected. And it does it by providing ID Theft Protection and protection against fraud, as well as Travel Accident Insurance.

But you can only get these benefits if proving an excellent credit score. Plus, it requires a $495 annual fee (plus $195 for each additional and authorized user).   

Mastercard® Luxury Black card benefits

Well, an exclusive card comes with exclusivities, right? And these exclusivities mean great benefits. Such as one point for each dollar spent on all purchases, airfare redemptions rated in 2%, and cashback redemptions valued at 1.5%. 

Although the annual fee is high, there is no foreign transaction fee. Consequently, you can appreciate the Mastercard’s worldwide acceptance while traveling.

Pros

  • Reward program
  • No foreign transaction fee
  • VIP access at airport
  • 24/7 concierge service
  • Competitive airfare and cashback redemptions
  • Good to raise the purchasing power

Cons

  • Annual fee plus annual fee for each additional authorized card
  • Only eligible for excellent credit score 

How good does your credit score need to be?

As a secured luxury card, this credit card requires a very good to an excellent credit score, nothing less than that.

How to apply for a Mastercard® Luxury Black credit card?

Ready to take a big step and enter an exclusive club? Then, to enjoy all the perks and benefits, learn right now how to apply for the Black credit card.

Cartão Mastercard® Luxury Black em cima de bandeja de prata

How to apply for Mastercard® Luxury Black card?

The best cashback and airfare redemptions are only the beginning of all benefits the Mastercard® Luxury Black credit card can offer you. See how to apply for it!

About the author

Aline Augusto

My name is Aline Mesquita; I'm a writer here on the blog, where I write about finance in general and other subjects. I have been working with content creation for ten years. Also, I'm post-graduated in Project Management, with expertise in SEO practices. Currently, I am studying finance, market trends, and cryptocurrencies.

Reviewed by

Aline Barbosa

Senior Editor

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