Luxury Card™ Mastercard® Black Card™
in Personal Credit Cards from Barclays Bank
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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 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 14.99%
- 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 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 |
|---|---|
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Luxury Card™ Mastercard® Black Card™ FAQ
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 $15 back in cash.
| Rewards rate (all purchases) | 1.5% |
| Max rewards rate | N/A |
| Annual rewards limit | N/A |
| Signup Bonus ($) | 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:
- 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.
| Description | |
|---|---|
| Balance Transfer APR | 14.99% |
| 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.| 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™:
| 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?
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.
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.
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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 |
Luxury Card™ Mastercard® Black Card™ Community Reviews
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