Features

Who is the Black Card MasterCard Designed For?

Black Card MasterCard is designed for frequent travelers with good to excellent credit who love luxury perks and receiving VIP treatment and don't mind paying a high annual fee for the privilege. Although Black Card MasterCard does include exclusive benefits, its annual fee and low rate of rewards only make it worthwhile for the most demanding of frequent travelers who really feel the need to own a credit card made of stainless steel.

What are the Interest Rates for the Visa Black Card?

Black Card MasterCard has a 14.99% APR on purchases and balance transfer. New customers receive a 0% APR introductory rate for the first 15 months. Cash advances have a 25.24% APR.

What Are the Fees for Visa Black Card?

The Black Card MasterCard has a pretty outrageous annual fee of $495 and an extra $195 annual fee for every authorized user added to the account. Ouch! There is also a 3% balance transfer fee (minimum $5 fee) and a 5% cash advance fee (minimum $10 fee). Late and returned payments incur a $37 fee. The only break Black Card MasterCard gives its members is that it doesn't charge foreign transaction fees.

What Is Visa Black Card's Rewards Program Like?

Black Card MasterCard has a blah rewards program that basically gives 1 point per $1 spent on all purchases. If the points are redeemed for airline tickets through Visa Black Card's Exclusive Rewards Program, points are worth double. For example, if you earn 50,000 points, you can redeem them for a $500 statement credit or $1,000 in airline tickets when you buy them through their rewards program. Although the double points value on airline tickets is interesting, it's still a lame program for a “luxury” card that charges a $495 annual fee.

What about Visa Black Card's Signup Bonus?

Black Card MasterCard gives new cardholders a lackluster 25,000 bonus points when they spend $1,500 within the first three months. In case you were wondering, the $495 annual fee doesn't count toward the $1,500 required to earn the signup bonus.

Does the Black Card MasterCard Have Any Other Benefits?

Black Card MasterCard includes many benefits, services and VIP perks. These include VIP treatment at over 3,000 hotels, National Emerald Club car rental status, Lounge Club membership, access to exclusive events, and luxury gifts from renowned brands. This in addition of the “basic” benefits you expect from a prime credit card, such as car rental coverage, travel insurance and extended warranty. However, it doesn't include standard benefits like identity theft protection, price protection and return protection; or VIP perks other high-end cards include, such as a premium private jet or limousine program.

How Is Black Card MasterCard Better Than Other Credit Cards?

Black Card MasterCard has an impressive list of luxury benefits. The Lounge Club access, car rental elite status and Black Card VIP program are certainly attractive to frequent flyers. However, its rewards program is nothing special. Travel rewards cards with annual premiums under $100 like Barclaycard Arrival+ and Chase Sapphire Preferred have much more generous reward rates. And that is the bottom line. This would be a great card to have, if it weren't for the $495 annual fee, the modest signup bonus and a not-so-great rewards program. If the "status" symbol of owning a high-end card is important to you, there are other luxury cards, such as the American Express Platinum and the Citi Prestige, that have more perks and better rewards program and still manage to “only” charge an annual fee of $450.

  • Card Type
    Balance Transfer Rewards
  • Customer Type
    Personal
  • Card Network
    Visa
  • Minimum Age
    18
  • Co-signing Allowed
  • Grace Period / Deferred Interest
    23
  • Late Payment Penalty
    $37
  • Minimum Interest Charge
    $1
  • Returned Payment Fee
    $37
  • Car Rental Insurance
  • Emergency Support
  • Extended Warranty
  • Flight Insurance
  • Fraud Liability
  • Free FICO Score
  • Lost Luggage Insurance
  • Travel Insurance
  • Air Miles
  • Cashback
  • Points
  • Purchases APR
    14.99% - %
  • Transfer Fee
    3% w/$10 min.
  • Balance Transfer APR
    14.99% var. APR% - %
js-table-filter bizname-nfl-extra-points-credit-card
0
js-table-filter ccard-type-136
js-table-filter every-purchase-138
js-table-filter points-137
15.24
0
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-12
js-table-filter credit-required-114
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 2000

  • Every Purchase
  • Points
  • No Annual Fee
  • 0% Introductory APR
Card Type Rewards
Purchases APR 15.24%
Balance Transfer APR 15.24%
Intro APR period (months) 15
090
js-table-filter bizname-barclaycard-rewards-mastercard--average-credit
0
js-table-filter ccard-type-136
js-table-filter free-fico-score-575
js-table-filter gas-139
js-table-filter groceries-141
js-table-filter points-137
25.24
js-table-filter no-annual-fee-238
js-table-filter card-type-11
js-table-filter credit-required-114
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 2000

  • Free FICO Score
  • Gas
  • Groceries
  • Points
  • No Annual Fee
Card Type Rewards
Purchases APR 25.24%
Balance Transfer APR 25.24%
090
js-table-filter bizname-barclaycard-arrival-world-mastercard
js-table-filter air-miles-136
js-table-filter airlines-140
89
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter every-purchase-138
js-table-filter free-fico-score-575
js-table-filter gas-139
js-table-filter groceries-141
16.24
js-table-filter restaurants-142
js-table-filter travel-143
0
js-table-filter no-annual-fee-first-year-225
js-table-filter no-introductory-apr-350
js-table-filter card-type-11
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 2000

  • Air Miles
  • Airlines
  • Every Purchase
  • Free FICO Score
  • Gas
  • Groceries
  • Restaurants
  • Travel
  • No Annual Fee First Year
  • 0% Introductory APR
  • No Foreign Transaction Fee
Annual Fee $89
Card Type Balance Transfer
Card Type Rewards
Purchases APR 16.24%
Balance Transfer APR 16.24%
Intro APR period (months) 12
083
js-table-filter bizname-the-priceline-rewards8482-visa-card
js-table-filter airlines-140
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter every-purchase-138
js-table-filter points-137
15.24
js-table-filter travel-143
0
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-12
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1998

  • Airlines
  • Every Purchase
  • Points
  • Travel
  • No Annual Fee
  • 0% Introductory APR
  • No Foreign Transaction Fee
Card Type Balance Transfer
Card Type Rewards
Purchases APR 15.24%
Balance Transfer APR 15.24%
Intro APR period (months) 15
042
js-table-filter bizname-black-card-mastercard
js-table-filter airlines-140
495
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter points-137
14.99
js-table-filter no-introductory-apr-350
js-table-filter card-type-12
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1966

  • Airlines
  • Points
  • 0% Introductory APR
  • No Foreign Transaction Fee
Annual Fee $495
Card Type Balance Transfer
Card Type Rewards
Purchases APR 14.99%
Balance Transfer APR 14.99% var. APR%
006
js-table-filter bizname-barclays-bank-of-delaware--barnes-and-noble-mastercard
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter points-137
13.99
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-11
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 2000

  • Points
  • No Annual Fee
  • 0% Introductory APR
Card Type Balance Transfer
Card Type Rewards
Purchases APR 13.99%
Balance Transfer APR 13.99% - 24.99% var. APR%
006
js-table-filter bizname-frontier-world-mastercard-with-no-annual-fee
js-table-filter air-miles-136
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
15.99
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-11
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1994

  • Air Miles
  • No Annual Fee
  • 0% Introductory APR
Card Type Balance Transfer
Card Type Rewards
Purchases APR 15.99%
Balance Transfer APR 15.99% – 24.99% var. APR%
006
js-table-filter bizname-china-airlines-mastercard-with-no-annual-fee
js-table-filter air-miles-136
0
15.99
0
js-table-filter no-annual-fee-238
js-table-filter card-type-11

  • Air Miles
  • No Annual Fee
Purchases APR 15.99%
Balance Transfer APR 15.99% – 24.99% var. APR (based on Prime Rate)%
000
js-table-filter bizname-frontier-world-mastercard-with-annual-fee
js-table-filter air-miles-136
69
js-table-filter ccard-type-137
js-table-filter ccard-type-136
15.99
js-table-filter card-type-11
js-table-filter credit-required-116

Est. 1994

  • Air Miles
Annual Fee $69
Card Type Balance Transfer
Card Type Rewards
Purchases APR 15.99%
Balance Transfer APR 15.99% – 24.99% var. APR%
006
js-table-filter bizname-barclaycard-arrival-world-mastercard-8212-89-annual-fee-card
js-table-filter air-miles-136
89
14.99
js-table-filter card-type-11
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-116

Est. 2000

  • Air Miles
  • No Foreign Transaction Fee
Annual Fee $89
Purchases APR 14.99%
006
js-table-filter bizname-barclaycard-ring-mastercard
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
8
js-table-filter no-annual-fee-238
js-table-filter card-type-11
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-116

Est. 2000

  • No Annual Fee
  • No Foreign Transaction Fee
Card Type Balance Transfer
Card Type Rewards
Purchases APR 8%
006
js-table-filter bizname-the-choice-privileges-visa-card
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter points-137
15.24
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-12
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1941

  • Points
  • No Annual Fee
  • 0% Introductory APR
  • No Foreign Transaction Fee
Card Type Balance Transfer
Card Type Rewards
Purchases APR 15.24%
Balance Transfer APR 15.24% to 19.99% APR%
006
js-table-filter bizname-the-us-airways-premier-world-mastercard
js-table-filter air-miles-136
js-table-filter airlines-140
89
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter every-purchase-138
15.24
0
js-table-filter card-type-11
js-table-filter credit-required-116

  • Air Miles
  • Airlines
  • Every Purchase
Annual Fee $89
Card Type Balance Transfer
Card Type Rewards
Purchases APR 15.24%
Balance Transfer APR 15.24% or 18.24%* Variable%
000
js-table-filter bizname-williamssonoma-visa-signature-card
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter every-purchase-138
js-table-filter points-137
13.74
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-12
js-table-filter credit-required-114
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1956

  • Every Purchase
  • Points
  • No Annual Fee
  • 0% Introductory APR
Card Type Balance Transfer
Card Type Rewards
Purchases APR 13.74%
Balance Transfer APR 13.74%%
006
js-table-filter bizname-barclaycard-arrival-world-mastercard-no-annual-fee-card
js-table-filter airlines-140
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter points-137
14.99
js-table-filter restaurants-142
js-table-filter travel-143
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-11
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-116

Est. 2000

  • Airlines
  • Points
  • Restaurants
  • Travel
  • No Annual Fee
  • 0% Introductory APR
  • No Foreign Transaction Fee
Card Type Balance Transfer
Card Type Rewards
Purchases APR 14.99%
Balance Transfer APR 14.99%, 18.99% or 22.99% APR variable%
006
js-table-filter bizname-the-carnival8482-mastercard
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter every-purchase-138
js-table-filter points-137
14.24
js-table-filter restaurants-142
js-table-filter travel-143
0
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-11
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1972

  • Every Purchase
  • Points
  • Restaurants
  • Travel
  • No Annual Fee
  • 0% Introductory APR
  • No Foreign Transaction Fee
Card Type Balance Transfer
Card Type Rewards
Purchases APR 14.24%
Balance Transfer APR 14.24%
Intro APR period (months) 15
014
js-table-filter bizname-american-airlines-aadvantage-aviator-red-mastercard
js-table-filter air-miles-136
js-table-filter airlines-140
79
js-table-filter ccard-type-136
14.49
0
js-table-filter card-type-11
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1934

  • Air Miles
  • Airlines
  • No Foreign Transaction Fee
Annual Fee $79
Card Type Rewards
Purchases APR 14.49%
Balance Transfer APR 14.49%
Intro APR period (months) 6
014
js-table-filter bizname-the-llbean-visa-card
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter cashback-135
js-table-filter every-purchase-138
14.24
js-table-filter no-annual-fee-238
js-table-filter card-type-12
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1912

  • Cashback
  • Every Purchase
  • No Annual Fee
Card Type Balance Transfer
Card Type Rewards
Purchases APR 14.24%
Balance Transfer APR 14.24%
012
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