SuperMoney 
  Mastercard Black Card

Mastercard Black Card

in Personal Credit Cards from Barclays

Claimed

Mastercard Black Card

Claimed

in Personal Credit Cards from Barclays

SuperMoney Net Recommendation Score -100% Recommendation score measures the loyalty between a provider and a consumer. It's at +100% if everybody recommends the provider and at -100% when no one recommends.

Strongly not recommended

0 users recommend
0 users are unsure
1 user doesn't recommend
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Highlights
Highlights
Community Rating Strongly not recommended
Annual Fee $495
Purchase APR  (Variable APR) Starting at 17.24%
Balance Transfer APR  (Variable APR) Starting at 17.24%
Credit Score Range 700 - 850

Mastercard Black Card Review

Mastercard Black Card is a cashback credit card issued by Barclays. 

Good credit. This card is designed for people with good credit. The minimum credit score to apply is 700.

If you're wondering whether Mastercard Black Card is the right card for you, read on. This is everything you need to know to make a good choice.

Pros & Cons of Mastercard Black Card
Pros Cons
  • Stainless Steel – Patented Black-PVD-Coated Metal Card
  • 2% Value for Airfare Redemptions with no limit to points earned and no blackout dates. 1.5% value for Cashback redemption. For example, you can redeem 5,000 points for a $75 statement credit.
  • $100 Global Entry or TSA Precheck Credit
  • Amenities such as room upgrades, complimentary food and beverage, spa credits and more when you book with Luxury Card Travel.
  • Steep annual fee.
  • High annual fee for each additional card.
  • Is there a Mastercard Black Card cash back or rewards program?

    Mastercard Black Card is a cashback card. This means you earn a percentage of your purchase as a cash reward. With Mastercard Black Card you receive 1% cash back on every purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash.

    This card features rewards for purchases in the following categories:

    • Airfare
    • Every Purchase
    • Hotels
    • Trains, Cruises, Other Travel
    Mastercard Black Card Rewards
    Rewards rate (all purchases) 1%
    Max rewards rate N/A
    Annual rewards limit N/A
    Signup Bonus ($) N/A
    Signup Bonus Spend Requirement $0
    Annual Loyalty Bonus $100

    Does Mastercard Black Card have a signup bonus?

    Mastercard Black Card doesn't offer a cash signup bonus.

    Does Mastercard Black Card offer an annual loyalty bonus?

    Yes, Mastercard Black Card offers card users an annual bonus worth up to $100.

    What are the Mastercard Black Card benefits?

    Mastercard Black Card provides the following benefits:

    • Auto Rental Collision Damage Waiver
    • Emergency Support
    • Extended Warranty Protection
    • Trip Cancellation Insurance
    • Fraud Liability
    • Price Protection
    • Travel Accident Insurance
    • No blackout dates when redeeming miles
    • Travel Assistance
    • Global Entry
    • ID Theft Protection
    • Reports to major credit bureaus

    What are the relevant APRs for Mastercard Black Card?

    Mastercard Black Card has a variable purchase APR starting at 17.24% . The card has a variable balance transfer APR starting at 17.24% .

    It also has a variable cash advance APR starting at 27.49% .

    Does Mastercard Black Card have an introductory APR offer?

    Yes, Mastercard Black Card offers an introductory APR rate on balance transfers of 0% for a period of 15 months.

    Mastercard Black Card does not offer an introductory rate on new purchases.
    Mastercard Black Card Rates & Terms
    Purchase APR Starting at 17.24%
    Balance Transfer APR Starting at 17.24%
    Cash Advance APR Starting at 27.49%

    What are the Mastercard Black Card fees?

    $495 Annual Fee. Mastercard Black Card charges an annual fee of $495. No foreign transaction fee. Mastercard Black Card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

    The following fees apply to Mastercard Black Card:

    Mastercard Black Card Fees
    Fees Amount
    Annual Fee $495
    Foreign Transaction Fee 0%
    Balance Transfer Fee 3%
    Minimum Balance Transfer Fee $5
    Returned Payment Fee $37
    Late Payment Fee up to $37

    Does Mastercard Black Card report your account activity to credit bureaus?

    Mastercard Black Card reports your account activity to the following credit reporting agencies:

    • Equifax
    • Experian
    • Transunion
    • Innovis

    Making regular and on-time payments on a credit card that reports your account activity to credit bureaus will demonstrate that you consistently manage debt well and can help increase your credit scores.

    How to apply for Mastercard Black Card

    • Visit the Barclays website.
    • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
    • Check the information is accurate and submit your application.
    • If you're denied click here to find out why your application may have been rejected and what you can do about it.
    SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

    Availability

    Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
      Available in 50 states and Washington, D.C.
    • Alabama
    • Alaska
    • Arizona
    • Arkansas
    • California
    • Colorado
    • Connecticut
    • Delaware
    • Washington, DC
    • Florida
    • Georgia
    • Hawaii
    • Idaho
    • Illinois
    • Indiana
    • Iowa
    • Kansas
    • Kentucky
    • Louisiana
    • Maine
    • Maryland
    • Massachusetts
    • Michigan
    • Minnesota
    • Mississippi
    • Missouri
    • Montana
    • Nebraska
    • Nevada
    • New Hampshire
    • New Jersey
    • New Mexico
    • New York
    • North Carolina
    • North Dakota
    • Ohio
    • Oklahoma
    • Oregon
    • Pennsylvania
    • Rhode Island
    • South Carolina
    • South Dakota
    • Tennessee
    • Texas
    • Utah
    • Vermont
    • Virginia
    • Washington
    • West Virginia
    • Wisconsin
    • Wyoming

    Feature Breakdown

    Grace Period for Late Payment 23
    Foreign Currency Transaction Fee 0%
    No Foreign Transaction Fee  
    Returned Payment Fee $37
    Minimum Interest Charge $0.50
    Annual Fee $495
    Late Fee Amount Up to $37
    Balance Transfer Fee % 3%
    Balance Transfer Fee Minimum $5
    Cash Advance Fee ($) Starting at $10
    Cash Advance Fee (%) Starting at 5%
    Cash Advance Fee Minimum $10
    Minimum Age 18
    Credit Score Range 700 - 850
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    • Unemployed
    Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
    Supported Income Types
    • 1099 Misc. Income
    • Cash
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
    Customer Type Personal
    Car Rental Insurance  
    Extended Warranty  
    Fraud Liability  
    Travel Insurance  
    Emergency Support  
    Flight Insurance  
    Lost Luggage Insurance  
    Credit Card Benefits
    • Auto Rental Collision Damage Waiver
    • Emergency Support
    • Extended Warranty Protection
    • Fraud Liability
    • Global Entry
    • Identity Theft Protection
    • Price Protection
    • Purchase Protection
    • Travel Accident Insurance
    • Travel Assistance
    • Trip Cancellation Insurance
    All Other Purchases 1 Point for every $1 in Net Purchases using your Card.
    No Blackout Dates  
    Rewards Categories
    • Airfare
    • Every Purchase
    • Hotels
    • Trains, Cruises, Other Travel
    Annual Loyalty Bonus $100
    Purchase APR (Variable APR) Starting at 17.24%
    Cash Advance APR (Variable APR) Starting at 27.49%
    Balance Computation daily balance (including new purchases)
    Balance Transfer APR (Variable APR) Starting at 17.24%
    Introductory Rate 0%
    Intro APR period 15

    Mastercard Black Card Community Reviews

     
     

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