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Luxury Card™ Mastercard® Black Card™

in Personal Credit Cards from Black Card LLC

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Luxury Card™ Mastercard® Black Card™

Unaffiliated

in Personal Credit Cards from Black Card LLC

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

Luxury Card™ Mastercard® Black Card™ Review

Luxury Card™ Mastercard® Black Card™ is a cashback credit card issued by Black Card LLC.  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

  • Rewards program. This credit card offers rewards on your purchases, but you will have to pay an annual fee of $495 for the privilege.
  • 0% balance transfer intro rate. Offers an introductory APR rate on balance transfers of 0% 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 up to 16.49%.
  • Great for travel. This card does not charge foreign transaction fees, which makes a great credit card to carry with you when traveling abroad.
  • Very good credit required. You should probably try with another credit card if your credit score is below 740.
  • 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.
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.
  • Has an introductory APR rate on balance transfers of 0%.
  • Multiple credit card perks.
  • No foreign transaction fee.
  • Earn rewards on every purchase.
  • Luxury Card™ Mastercard® Black Card™ reports to multiple credit bureaus.
  • Airline Credit.
  • Cardholders can earn rewards on their purchases.
  • Offers auto rental collision damage waiver.
  • Access to a concierge.
  • Includes 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.
  • Charges an annual fee of $495.
  • Does not offer a signup bonus.

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 starting at 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?

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

Luxury Card™ Mastercard® Black Card™ does not offer an introductory rate on new purchases.
Luxury Card™ Mastercard® Black Card™ Balance Transfers
Description
Balance Transfer APR Starting at 16.49%
Introductory Rate 0%
Intro APR period (months) 15
Luxury Card™ Mastercard® Black Card™ Rates & Terms
Description
Balance Computation Daily balance (including new purchases)
Purchase APR 16.49%
Credit Limit N/A
Penalty APR N/A
Cash Advance APR Starting at 26.74%
Security Deposit N/A
Introductory Rate N/A
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%
Balance Transfer Fee 3%
Minimum Balance Transfer Fee $5
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
  •   250 Veronica Lane
    Jackson, WY 83001
  •   Visit Site

Message from Black Card LLC

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.

About Luxury Card™ Mastercard® Black Card™

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View all personal credit cards offered by Black Card LLC

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
Paper Statement Fee $0
Annual Fee $495
Balance Transfer Fee % 3%
Balance Transfer Fee Minimum $5
Cash Advance Fee (%) Starting at 5%
Cash Advance Fee Minimum $10
Late Fee Amount Up to $37
Minimum Cash Advance Fee ($) Starting at $10
Minimum Interest Charge $0.50
Returned Payment Fee Up to $37
Customer Type Personal
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Card Network
  • Mastercard
Card Type
  • Balance Transfer
  • Cashback
  • Low Interest
  • Rewards
  • Travel
Credit Bureau Reporting
  • Equifax
  • Experian
  • Innovis
  • TransUnion
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
Emergency Support  
Extended Warranty  
Fraud Liability  
Lost Luggage Insurance  
Travel Insurance  
Annual Airline Credit $100
No Blackout Dates  
Rewards Categories
  • Every Purchase
Cash Advance APR (Variable APR) Starting at 26.74%
Purchase APR (Variable APR) 16.49%
Balance Computation Daily balance (including new purchases)
Balance Transfer APR (Variable APR) Starting at 16.49%
Intro APR period 15
Introductory Rate 0%

Luxury Card™ Mastercard® Black Card™ Community Reviews

 

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