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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™

Claimed

in Personal Credit Cards from Barclays Bank

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Highlights
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Purchase APR  (Variable APR) 14.99%
Balance Transfer APR  (Variable APR) 14.99%
Credit Score Range 740 - 850
Annual Fee $495

Luxury Card™ Mastercard® Black Card™ Review

Luxury Card™ Mastercard® Black Card™ is a rewards 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 14.99%
  • 5% Balance transfer fee. Luxury Card™ Mastercard® Black Card™ charges a fee of up to 5% 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 $50 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 airline credit, access to a concierge, Global Entry / TSA Precheck Fee Credit, price protection, purchase protection, 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 & 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.
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 15 months.
  • Multiple credit card perks.
  • Airline Credit.
  • Access to a concierge.
  • Global Entry / TSA Precheck Fee Credit.
  • No foreign transaction fee.
  • Cardholders can earn rewards on purchases everywhere Luxury Card™ Mastercard® Black Card™ is accepted.
  • Luxury Card™ Mastercard® Black Card™ reports to multiple credit bureaus.
  • Requires good to excellent credit.
  • Charges an annual fee of $495
  • Does not offer a signup bonus.
  • Charges a 5% balance transfer fee, if you transfer the balance within 45 days of opening the account.
Luxury Card™ Mastercard® Black Card™ FAQ

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

Luxury Card™ Mastercard® Black Card™ offers a rewards program to its customers.

Luxury Card™ Mastercard® Black Card™ Rewards
Minimum rewards rate (all purchases) 1.5x
Max rewards rate N/A
Annual rewards limit 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:

  • Price Protection
  • No blackout dates when redeeming miles
  • 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 lower than average purchase APRs.

Luxury Card™ Mastercard® Black Card™ has a variable purchase APR of 14.99%. The card has a variable balance transfer APR of 14.99% . It also has a variable cash advance APR of 25.24% .

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 15 months.

Luxury Card™ Mastercard® Black Card™ Balance Transfers
Description
Balance Transfer APR 14.99%
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period (months) 15
Balance Transfer Fee % 5%
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 fees for Luxury Card™ Mastercard® Black Card™?

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 $39
Late Payment Fee up to $39

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?

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 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...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

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

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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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.

Availability

  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 $39
Additional Card Fee Amount $195
Late Fee Amount Up to $39
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
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
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
  • Innovis
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) 25.24%
Balance Computation Daily balance (including new purchases)
Purchase APR (Variable APR) 14.99%
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) 14.99%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 5%
Card Type
  • Rewards
  • Balance Transfer
  • Low Interest
  • Travel
Card Network Mastercard

Luxury Card™ Mastercard® Black Card™ Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

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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.

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