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Luxury Card™ Mastercard® Black Card™

in Personal Credit Cards from Barclays Bank

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Luxury Card™ Mastercard® Black Card™

Unaffiliated

in Personal Credit Cards from Barclays Bank

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Highlights
Highlights
Balance Transfer APR  (Variable APR) 16.49%
Credit Score Range 740 - 850
Annual Fee $495
Purchase APR  (Variable APR) 16.49%
Rewards Rates Every Purchase

Luxury Card™ Mastercard® Black Card™ Review

Luxury Card™ Mastercard® Black Card™ is a cashback credit card issued by Barclays Bank. If you're wondering whether Luxury Card™ Mastercard® Black Card™ is the right card for you, read on. This is everything you need to know to make a good choice.

Key takeaways:

  • Earn 1 point for every dollar spent on everyday purchases. Terms and conditions apply.
  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 15 months, which is longer than the average 0% APR period of 12 months.
  • Competitive APRs. Luxury Card™ Mastercard® Black Card™ has a variable purchase APR of 16.49%
  • 3% Balance transfer fee. Luxury Card™ Mastercard® Black Card™ charges a fee of up to 3% on balance transfers, if you transfer the balance within 45 days of opening the account. For example, a balance of $1,000 could cost up to $30 in transfer fees. The minimum fee is $5.
  • $0 foreign transaction fee. This card does not charge foreign transaction fees, which makes a great credit card to carry with you when traveling abroad.
  • Airport Lounge Access. Benefits like airport lounge access can add luxury to your travel experience.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, airline credit, access to a concierge, emergency support, extended warranty protection on purchases, Global Entry / TSA Precheck Fee Credit, price protection, purchase protection, travel accident insurance, travel assistance, trip cancellation insurance, and fraud protection.
  • Very good credit required. Applicants will typically need a credit score of at least 740 to qualify.

Luxury Card™ Mastercard® Black Card™ Pros and Cons:

The Good The Bad
  • Stainless Steel – Patented Black-PVD-Coated Metal Card.
  • 2% value for airfare redemptions 1.5% value for cash back redemptions
  • Complimentary Luxury Card Concierge lifestyle management service available 24/7 for global expertise and tailored recommendations by phone, via email, and through mobile chat.
  • $100 Global entry application fee credit. $100 annual airline credit.
  • 0% APR balance transfer intro rate on balance transfers for up to 15 months.
  • Multiple credit card perks.
  • Airline Credit.
  • Offers auto rental collision damage waiver.
  • Access to a concierge.
  • Extended warranty and price protection on purchases.
  • Global Entry / TSA Precheck Fee Credit.
  • Travel accident and travel assistance insurance.
  • Trip cancellation insurance.
  • No foreign transaction fee.
  • Cardholders can earn rewards on every purchase.
  • Earn rewards on every purchase.
  • Luxury Card™ Mastercard® Black Card™ reports to multiple credit bureaus.
  • Cardholders can earn rewards on their purchases.
  • Requires good to excellent credit.
  • Charges an annual fee of $495
  • Does not offer a signup bonus.
  • Charges a 3% balance transfer fee, if you transfer the balance within 45 days of opening the account.

Is there a Luxury Card™ Mastercard® Black Card™ cash back or rewards program?

Luxury Card™ Mastercard® Black Card™ is a cashback card. This means you earn a percentage of your purchase as a cash reward. With Luxury Card™ Mastercard® Black Card™ you receive 1.5% cash back on every purchase. For example, if you buy a $1,000 laptop, you will receive $15 back in cash.

Luxury Card™ Mastercard® Black Card™ Rewards
Rewards rate (all purchases) 1.5%
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) N/A
Signup Bonus Spend Requirement $0

Does Luxury Card™ Mastercard® Black Card™ have a signup bonus?

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

Does Luxury Card™ Mastercard® Black Card™ offer an annual loyalty bonus?

Luxury Card™ Mastercard® Black Card™ doesn't offer a cash loyalty bonus.

What are the Luxury Card™ Mastercard® Black Card™ benefits?

Luxury Card™ Mastercard® Black Card™ provides the following benefits:

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

What are the relevant APRs for Luxury Card™ Mastercard® Black Card™?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance.

Luxury Card™ Mastercard® Black Card™ has a variable purchase APR of 16.49%. The card has a variable balance transfer APR of 16.49% . It also has a variable cash advance APR starting at 26.74% .

Does Luxury Card™ Mastercard® Black Card™ have an introductory APR offer on balance transfers?

Yes, Luxury Card™ Mastercard® Black Card™ offers an introductory APR rate on balance transfers of 0% for a period of up to months.

Luxury Card™ Mastercard® Black Card™ Balance Transfers
Description
Balance Transfer APR 16.49%
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period (months) 15
Balance Transfer Fee % 3%
Balance Transfer Fee % After Intro Period N/A
Balance Transfer Fee Intro Period (days) 45
Balance Transfer Fee Minimum $5

Does Luxury Card™ Mastercard® Black Card™ have an introductory APR offer on new purchases??

Luxury Card™ Mastercard® Black Card™ does not offer an introductory rate on new purchases.
Luxury Card™ Mastercard® Black Card™ Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the Luxury Card™ Mastercard® Black Card™ fees?

The following fees apply to Luxury Card™ Mastercard® Black Card™:

Luxury Card™ Mastercard® Black Card™ Fees
Fees Amount
Annual Fee $495
Foreign Transaction Fee 0%
Returned Payment Fee up to $37
Late Payment Fee up to $37

Does Luxury Card™ Mastercard® Black Card™ have a foreign transaction fee?

Luxury Card™ 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.

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

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

  • Equifax
  • Experian
  • Transunion
  • Innovis

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit score.

How to apply for Luxury Card™ Mastercard® Black Card™

  • Visit the Luxury Card™ Mastercard® Black Card™ website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • 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.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

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...

Contact

  • Headquarters
  •   125 South West Street
    Wilmington, DE 19801
  •   Visit Site

Message from Barclays Bank

Enjoy the industry's best airline redemption rates and luxury concierge services. Our luxury concierge services are not just for travel, but reservations, recommendations, questions, and research. No limit or charges for booking directly through the concierge, available anytime, anywhere. A truly global 24/7 personal assistant.

Hours of Operation

  • Sunday 8:00am - 8:00pm
  • Monday 8:00am - 8:00pm
  • Tuesday 8:00am - 8:00pm
  • Wednesday 8:00am - 8:00pm
  • Thursday 8:00am - 8:00pm
  • Friday 8:00am - 8:00pm
  • Saturday 8:00am - 8:00pm

Other Services by Barclays Bank

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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

Every Purchase (Points) - 2% value for airfare redemptions. - 1.5% Value for Cash Back Redemptions
Foreign Currency Transaction Fee 0%
No Foreign Transaction Fee  
No Interest Grace Period for Late Payment 23 days
Paper Statement Fee $0
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Starting at 5%
Minimum Cash Advance Fee ($) Starting at $10
Annual Fee $495
Minimum Interest Charge $0.50
Returned Payment Fee Up to $37
Additional Card Fee Amount $195
Late Fee Amount Up to $37
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 740 - 850
Card Type
  • Balance Transfer
  • Cashback
  • Low Interest
  • Rewards
  • Travel
Card Network Mastercard
Credit Bureau Reporting
  • Equifax
  • Experian
  • Innovis
  • TransUnion
Lost Luggage Insurance  
Emergency Support  
Travel Insurance  
Fraud Liability  
Extended Warranty  
Car Rental Insurance  
Credit Card Benefits
  • Airline Credit
  • Airport Lounge Access
  • Auto Rental Collision Damage Waiver
  • Concierge
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Global Entry / TSA Precheck Fee Credit
  • Identity Theft Protection
  • Price Protection
  • Purchase Protection
  • Travel Accident Insurance
  • Travel Assistance
  • Trip Cancellation Insurance
Annual Airline Credit $100
No Blackout Dates  
Rewards Rates Every Purchase
Rewards Type Points
Cash Advance APR (Variable APR) Starting at 26.74%
Balance Computation Daily balance (including new purchases)
Purchase APR (Variable APR) 16.49%
Balance Transfer Fee Intro Period 45 days
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 15 months
Balance Transfer APR (Variable APR) 16.49%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%

Luxury Card™ Mastercard® Black Card™ Community Reviews

 

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    5% 29% Variable APR
Credit Score Range 680 - 850     300 850
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    5% 29% Variable APR
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    5% 29% Variable APR
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    5% 29% Variable APR
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(Variable APR)
    5% 29% Variable APR
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    5% 29% Variable APR
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    5% 29% Variable APR
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Balance Transfer APR 18.24% - 27.24%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 700 - 850     300 850
Annual Fee $79 Annual Fee
Purchase APR 18.24% - 27.24%
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Credit Score Range 700 - 850     300 850
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Balance Transfer APR 17.49% - 26.49%
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