
Luxury Card™ Mastercard® Black Card™
Would you recommend Luxury Card™ Mastercard® Black Card™ to your friends?
Community Rating | Mostly recommended |
Purchase APR (Variable APR) |
19.49% (Verified 03/03/2023)
|
Balance Transfer APR (Variable APR) |
19.49% (Verified 03/03/2023)
|
Credit Score Range | 740 - 850 |
Annual Fee | $495 |
Number of Reviews | 9 |
Luxury Card™ Mastercard® Black Card™ Review
This is a rewards card issued by Barclays Bank. If you're wondering whether Luxury Black card is the right card for you, read on.
Key Takeaways
- Complimentary Luxury Card Concierge. Lifestyle management service available 24/7 for global expertise and tailored recommendations by phone, via email, and through mobile chat.
- LYFT Rewards. Enroll and take three eligible Lyft rides in a month using your Luxury Card and get a $5 Lyft credit.
- 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.
- DoorDash. Use your Luxury Card to sign up for DashPass as a new member to get three (3) complimentary months of membership. After the DashPass trial period ends, new members will automatically be charged the current monthly DashPass rate, plus any applicable fees. Cardmembers who sign up for DashPass with an eligible Luxury Card will also receive a $5 discount each month until September 30, 2023. See full DashPass terms and conditions at www.doordash.com/terms.
- High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 19.49%
- 3% Balance transfer fee. Luxury Card™ Mastercard® Black Card™ charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Airport Lounge Access. Benefits like airport lounge access can add luxury to your travel experience.
- Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, airline credit, access to a concierge, emergency support, extended warranty protection on purchases, identity theft protection, price protection, purchase protection, travel accident insurance, travel assistance, trip cancellation insurance, and fraud protection.
- Very good credit required. Applicants will typically need a credit score of at least 740 to have good approval odds.
Pros & Cons of Luxury Black card
The Good | The Bad |
---|---|
|
|
Luxury Black card FAQ
Does Luxury Black card have a cash back or rewards program?
Luxury Black card is a travel rewards card.
Minimum rewards rate | 1.5x |
Max rewards rate | N/A |
Annual rewards limit | N/A |
Signup Bonus ($) | N/A |
Signup Bonus Spend Requirement | $0 |
Does Luxury Black card have a signup bonus?
This card doesn't offer a cash signup bonus.Does Luxury Black card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Luxury Black card benefits?
It 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
- Reports to major credit bureaus
What are the relevant APRs for Luxury Black card?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.Luxury Card™ Mastercard® Black Card™ has a variable purchase APR of 19.49%. The card has a variable balance transfer APR of 19.49% . It also has a variable cash advance APR of 29.74% .
Does Luxury Black card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 15 months.
Description | |
---|---|
Balance Transfer Fee % After Intro Period | 3% |
Balance Transfer Introductory APR | 0% |
Balance Transfer Intro APR Period | 15 months |
Balance Transfer APR | 19.49% |
Balance Transfer Fee Minimum | $5 |
Balance Transfer Fee % | 3% |
Does Luxury Black card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Luxury Black card?
The following fees apply:
Fees | Amount |
---|---|
Annual Fee | $495 |
Foreign Transaction Fee | 0% |
Returned Payment Fee | up to $39 |
Late Payment Fee | up to $39 |
Does Luxury Black card have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for Luxury Black card?
The Luxury Black card customer service number is (914) 249-2000.
What is the support contact email for Luxury Black card?
The support contact email for Luxury Black card is online@barclaysus.com.
What is the Luxury Black card login page?
You can access the Luxury Black card login page here.
How do people rate the customer service and user experience of Luxury Black card?
Overall, Luxury Black card is mostly recommended based on community reviews that rate customer service and user experience.
Does Luxury Card™ Mastercard® Black Card™ report your account activity to credit bureaus?
Yes, 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 may help improve your credit.
How to apply for Luxury Black card
- Visit the Luxury 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 your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Message From Luxury Black card
Contact
- Headquarters
-
125 South West Street
Wilmington, DE 19801 USA - (914) 249-2000
- Visit Site
- Email Support
Other Services by Barclays Bank
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- 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
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
Cash Advance Fee Minimum | $10 |
Cash Advance Fee (%) | Starting at 5% |
Minimum Cash Advance Fee ($) | Starting at $10 |
Foreign Currency Transaction Fee | 0% |
No Foreign Transaction Fee | |
Annual Fee | $495 |
Minimum Interest Charge | $0.50 |
No Interest Grace Period for Late Payment | 23 days |
Returned Payment Fee | Up to $39 |
Paper Statement Fee | $0 |
Additional Card Fee Amount | $195 |
Late Fee Amount | Up to $39 |
Luxury Card™ Mastercard® Black Card™ Community Reviews
Would you recommend Luxury Card™ Mastercard® Black Card™ to your friends?
Barclays Bank Credit Cards
- Andrews Federal Credit Union Simplicity Visa Credit Card
- Auburn University FCU Platinum MasterCard
- Christian Community Credit Union Biola Visa® Credit Card
- First Bank and Trust Visa Gold Rewards Credit Card
- Gate City Bank Platinum Edition® Card
- INTRUST Bank Visa Signature Real Rewards Card
- Michigan Schools Government CU Credit Card
- Modica Bros Tire Centers Credit Card
- Noble FCU Rewards Platinum Visa Credit Card
- PlayStation® Visa® Credit Card
- Rakuten Cash Back Visa Signature® Credit Card
- Restoration Hardware Credit Card