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Most of us are familiar with premium credit cards like The Platinum Card® from American Express and the Chase Sapphire Reserve®. Another favorite in the recent past was the Luxury Card, which was also known as the Visa Black Credit Card.
The information for the Mastercard® Black Card™ has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.
Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.
Where is the Visa Black Credit Card?
Maybe this is the first time you have heard about this luxury credit card. Or maybe you think it’s no longer available to new applicants.
Here’s the catch. The Visa Black Credit Card rebranded as the Mastercard® Black Card™ in 2016. You can still get the Luxury Card but it’ll be a Mastercard instead of a Visa.
Mastercard Black Card
If you used to own the Visa Black Credit Card, this card didn’t entirely vanish. Mastercard manages the Luxury Card portfolio and Barclaycard issues the card. There are three different card versions (Gold, Black, and Titanium) with varying benefit amounts. The Black Card is the mid-tier Luxury Card product.
Your points are most valuable when booking award flights and you can enjoy other complimentary travel perks.
The Black Card has a $495 annual fee plus $195 per additional user. Is this card worth the fee? Let’s see.
Redeem Points for Award Flights
The Mastercard Black Credit Card earns 1 point for every $1 spent. While this isn’t a special perk, your points are worth more when redeemed for flights or cash redemptions.
Below is how much your points are worth for each redemption option:
- Flights: 2 cents each
- Cash rewards: 1.5 cents each
- Hotels and car rentals: 1 cent each
- Gift cards: Varies
If you spend $1,000 you earn 1,000 points. These points are worth $20 in award flights, $15 in cash rewards, and $10 in hotel stays or car rentals.
This card doesn’t have any point transfer partners like the Chase Sapphire Reserve or Amex Platinum.
This card comes with some travel benefits that help justify the $495 annual fee:
- $100 annual air travel credit
- $100 Global Entry & TSA PreCheck fee credit
- Priority Pass Select lounge membership
- Special member-only gifts
- No foreign transaction fee
You may also like to know this is a metal credit card. It has a stainless steel front and carbon back. Weighing 22 grams, it’s heavier than the Amex Platinum (18g), Chase Sapphire Reserve (13g), and Citi Prestige (12g).
The $100 airline credit applies to ticket purchases, checked bag fees, in-flight purchases, upgrades, and other incidental fees. While the flexibility is nice, other credit cards with similar annual fees offer larger credits.
Overall, the travel benefits can help pay the Black Card pay for itself but similar travel credit cards offer more valuable benefits.
Trip Protection Benefits
You may also enjoy this card’s trip protection benefits if your travel plans get delayed or canceled.
Trip Cancellation and Interruption
Receive reimbursement of up to $5,000 per trip and $10,000 per person in a 12-month period. This perk applies to non-refundable travel purchases that are delayed or canceled for covered reasons including extreme weather and unexpected illness.
Trips delayed at least 6 hours can receive up to $300 per trip and $600 every 12 months.
Baggage Delay Insurance
Receive compensation for essential purchases if your checked bags are delayed during travel.
Summary of the Mastercard Black Card
The Visa Black Credit Card is now the Mastercard Black Card. The card’s travel benefits and 2% airfare redemption can be worth the $495 annual fee. However, some of the other best credit cards for travel rewards have more robust rewards programs with similar annual fees.
Chase Sapphire Preferred® Card
- Our best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards®.
- Enjoy new benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 100,000 points are worth $1,250 toward travel.
- With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
- Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.
The comments on this page are not provided, reviewed, or otherwise approved by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities.
Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities.