Is Mastercard® Black Card® the right fit for you?
Last Updated: 04/20/2026
SuperMoney User Recommendation Score +33
Mostly recommended9 total votes
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Highlights
Community Rating
Mostly recommended
Purchase APR (Variable APR)
19.49% - 27.49%(Verified 04/15/2026)
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Balance Transfer APR (Variable APR)
19.49% - 27.49%(Verified 04/15/2026)
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Credit Score Range
740 - 850
Annual Fee
$699
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Number of Reviews
Mastercard® Black Card® Review
This is a travel card issued by Barclays Bank. If you're wondering whether Mastercard® Black Card® is the right card for you, read on.
Key Takeaways
- Earn 2X points on Airfare and Hotel reservations booked through LuxuryCardTravel.com. One point for every one dollar you spend for all other categories, earning points every time you spend.
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 15 months. 0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening. After that, (and for balance transfers that do not post within 45 days of account opening) the APR will be 19.49% to 27.49, based on your creditworthiness and other factors. This APR will vary with the market based on the Prime Rate.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 19.49% up to 27.49%.
- A 5% balance transfer fee. Mastercard® Black Card® charges a fee of 5% on balance transfers. For example, a balance of $1,000 could cost $50 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 Auto Rental Collision Damage Waiver, airline credit, access to a concierge, emergency support, identity theft protection, travel accident insurance, travel assistance, trip cancellation and interruption protection, and fraud protection.
- Excellent credit required. You will have good approval odds if you have an excellent credit score.
Pros & Cons of Mastercard® Black Card®
| The Good | The Bad |
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Mastercard® Black Card® FAQ
Does Mastercard® Black Card® have a cash back or rewards program?
Mastercard® Black Card® is a travel rewards card.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Airfare | Up to 2 x points (Earn 2X points on Airfare and Hotel reservations booked through LuxuryCardTravel.com.) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Hotels | Up to 2 x points (Earn 2X points on Airfare and Hotel reservations booked through LuxuryCardTravel.com.) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | 1 x points (1.5% on cash redemptions) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Mastercard® Black Card® have a signup bonus?
This card doesn't offer a cash signup bonus.Does Mastercard® Black Card® offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Mastercard® Black Card® benefits?
Mastercard® Black Card® provides the following benefits:
- Auto Rental Collision Damage Waiver
- Emergency Support
- Trip Cancellation Insurance
- Zero fraud liability
- Travel Accident Insurance
- No blackout dates when redeeming miles
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Mastercard® Black Card®?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Mastercard® Black Card® has a variable purchase APR that ranges from 19.49% up to 27.49%. The card has a variable balance transfer APR that ranges from 19.49% up to 27.49%. It also has a variable cash advance APR of 29.74% .
Does Mastercard® 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 15 months. 0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening. After that, (and for balance transfers that do not post within 45 days of account opening) the APR will be 19.49% to 27.49, based on your creditworthiness and other factors. This APR will vary with the market based on the Prime Rate.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 19.49% - 27.49% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% (see terms and conditions) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 15 months (see terms and conditions) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % After Intro Period | 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Mastercard® 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 Mastercard® Black Card®?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $699 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Additional Card Fee Amount | $249 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of $699.
Does Mastercard® 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.How do people rate the customer service and user experience of Mastercard® Black Card®?
Overall, Mastercard® Black Card® is mostly recommended based on community reviews that rate customer service and user experience.
Does Mastercard® Black Card® report your account activity to credit bureaus?
Yes, Mastercard® Black Card® reports to the following credit bureaus:
- 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 build your credit.
Does Barclays Bank perform a hard credit pull?
Yes, Mastercard® Black Card® performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Mastercard® Black Card®
- Visit the website of Mastercard® Black Card®.
- 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.
View Mastercard® Black Card®'s published terms & conditions
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 Mastercard® Black Card®
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Purchase APR
19.49% - 27.49%
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Balance Transfer APR
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Credit Score Range
740 - 850
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Annual Fee
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Purchase APR
19.49% - 27.49%
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Credit Score Range
740 - 850
300
850
Annual Fee
$299
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Purchase APR
16.99% - 27.99%
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Balance Transfer APR
16.99% - 27.99%
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Credit Score Range
700 - 850
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850
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Purchase APR
18.99% - 27.99%
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Balance Transfer APR
18.99% - 27.99%
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Credit Score Range
650 - 850
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850
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Balance Transfer APR
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650 - 850
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28.99%
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Credit Score Range
650 - 850
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850
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$0
Rating not yet determined
Purchase APR
28.99%
Disclaimer popup with additional information
Balance Transfer APR
28.99%
Disclaimer popup with additional information
Credit Score Range
Starting at 740
Annual Fee
$0
Rating not yet determined
Purchase APR
19.74% - 28.74%
Disclaimer popup with additional information
Balance Transfer APR
19.74% - 28.74%
Disclaimer popup with additional information
Credit Score Range
N/A
Annual Fee
$0
Rating not yet determined
Purchase APR
18.74% - 27.99%
Disclaimer popup with additional information
Balance Transfer APR
18.74% - 27.99%
Disclaimer popup with additional information
Credit Score Range
640 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
19.49% - 28.74%
Disclaimer popup with additional information
Balance Transfer APR
19.49% - 28.74%
Disclaimer popup with additional information
Credit Score Range
640 - 850
300
850
Annual Fee
$75
SuperMoney Net Recommendation Score
SuperMoney users mostly recommend this product, giving it a user recommendation score of +33, or 3.7 on a 5-point rating scale.
+33
-1000+100
No one recommends
Everyone recommends
Mastercard® Black Card® Community Reviews
Would you recommend Mastercard® Black Card® to your friends?
PP
Pradip P.
Aug 7, 2022
May or may not recommend
Highly recommend, i have a great credit score now and they have wide range of cashback bonuses.
UA
Umair A.
Mar 1, 2022
May or may not recommend
In my opinion, this card is ideal for people who travel a lot since there is no conversion penalty so one can save on FX conversion. However, having said that people who mostly reside in the US there are much better options available that accept customers on lower credit ratings.
LH
Lashane H.
Dec 3, 2021
May or may not recommend
I would recommend this credit card to anyone who has a bad credit score also people who are working on their credit score,
NC
Naomi C.
Aug 27, 2021
May or may not recommend
The balance transfer fee is a big setback that would discourage anyone willing to tap into their other amazing features
GW
Gabrielle W.
Aug 1, 2021
May or may not recommend
This Mastercard has positively affected my credit a lot. You won't find better rates than this, if you use it correctly and take advantage of all the benefits then you should have no trouble with it. It's very easy to apply and the website has tons of information so you know exactly what you're getting into.
DR
Devine R.
Jul 14, 2021
May or may not recommend
I personally would not use the luxury black card there are far better selections for personal credit card options wide range and variety of different options to select from .
JB
Jake B.
Dec 1, 2020
May or may not recommend
I have not personally used this card but my family member has had a very positive experience with it. He and I went on supermoney to compare our credit cards to other options out there and in that process I realized that his card, the Luxury Black Card, is a good credit card for a person who spends a lot of money and has good credit. The high annual fee ...Show More
AA
Alexandrea A.
Nov 2, 2020
May or may not recommend
With the black MasterCard the annual fee is extremely over prices at 495$. This is a big turn off for people looking into this card. Looking at the pros, they offer 2% value for airfare ( with no seat restrictions ), along with 1.5% value for cash back redemptions. They have travel benefits, good rewards, and a good annual bonus. Even with all of this, it is not cheap to ...Show More
Kimberly S.
Oct 16, 2020
May or may not recommend
At first, I was drawn in by the name of this card - The Black Card. It sounds mysterious. I know that is not the reason to get a credit card but I was looking to expand my portfolio so I figured, why not? I am happy with this card. They provide outstanding customer service and they answer any questions that I have about my statement in a fast ...Show More
Showing 9 of 9 reviews
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