SuperMoney

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

SuperMoney Net Recommendation Score +17

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly recommended by SuperMoney users with a score of +17, equating to 3.3 on a 5 point rating scale.

+17

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.

Mostly recommended

3 users recommend
1 user is unsure
2 users don't recommend
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Highlights
Community Rating Mostly recommended
Purchase APR  (Variable APR) 14.99%
Balance Transfer APR  (Variable APR) 14.99%
Credit Score Range 740 - 850
Annual Fee $495
Number of Reviews 6

Luxury Card™ Mastercard® Black Card™ Review

This is a rewards credit card issued by Barclays Bank. If you're wondering whether Luxury Black card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

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. Keep riding
  • 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 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, Global Entry / TSA Precheck Fee Credit, 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
  • $100 Global entry application fee credit. $100 annual airline credit.
  • 2% value for airfare redemptions 1.5% value for cash back redemptions
  • Enroll and take five eligible Lyft rides in a month using your Luxury Card and get a $10 Lyft credit. Keep riding to earn credit month after month.
  • $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.
  • Offers auto rental collision damage waiver.
  • Access to a concierge.
  • Extended warranty and price protection on purchases.
  • Global Entry / TSA Precheck Fee Credit.
  • Identity Theft Protection.
  • Travel accident and travel assistance insurance.
  • Trip cancellation insurance.
  • No foreign transaction fee.
  • Cardholders can earn rewards on their purchases.
  • 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 3% balance transfer fee. After the introductory period, the fee is 3% of the balance transferred or $5, whichever is greater.
Luxury Black card FAQ

Does Luxury Black card have a cash back or rewards program?

Luxury Black card is a travel rewards card.

Luxury Black card Rewards
Minimum rewards rate 1.5x
Max rewards rate N/A
Annual rewards limit 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. It has lower than average regular APRs.

It 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 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.

Luxury Card™ Mastercard® Black Card™ Balance Transfers
Description
Balance Transfer Fee % After Intro Period 3%
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 15 months
Balance Transfer APR 14.99%
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:

Luxury 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 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 (888) 710-8756.

What is the support contact email for Luxury Black card?

The support contact email for Luxury Black card is online@barclaysus.com.

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.

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.

Message From Luxury Card™ Mastercard® Black Card™

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.

Each Mastercard Black Card is designed with a unique black-PVD-coated stainless steel front and carbon back. With 64 patents issued globally, Luxury Card leads the industry in metal card design and construction by combining advanced technology and design principles to create durability and distinction. Every detail of your card reflects excellence and represents the exclusivity of your membership.

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • 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

Feature Breakdown

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
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
  • 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
  • Identity Theft Protection
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Price Protection
  • Purchase Protection
  • Trip Cancellation Insurance
  • Emergency Support
  • Fraud Liability
  • Travel Accident Insurance
  • Global Entry / TSA Precheck Fee Credit
  • Travel Assistance
  • Concierge
  • Airline Credit
  • Airport Lounge Access
Bonus Offer $5 off first two orders on DoorDash every month until 9/30/22, while supplies last. Free 3 months of DashPass. Renews to $9.99/mo after free trial ends. No hidden fees, cancel anytime
Annual Airline Credit $100
No Blackout Dates
Rewards Categories
  • Points on Every Purchase
Cash Advance APR (Variable APR) 25.24%
Balance Computation Daily balance (including new purchases)
Purchase APR (Variable APR) 14.99%
Balance Transfer Fee % After Intro Period 3%
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 % 3%
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

This product is mostly recommended by SuperMoney users with a score of +17, equating to 3.3 on a 5 point rating scale.

+17

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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