The Luxury Card Mastercard Black Card is an amazing metal travel card that will give you a 2% return towards airfare redemption. They even have a 1.5% return on cash back redemption, a variety of premium perks such as: airport lounge access, 24/7 concierge availability, global luggage delivery, etc. A good middle ground between 3 similar products in the Luxury Card platform is the Black Card. It will come with an annual fee of $495.
If you want a credit card that will offer you a good range of distinction, then you would want to consider the Black Card. But, if you travel often and want a luxury card with a decent value, there’s a better variety of travel cards such as: Chase Sapphire Reserve®, and The Platinum Card® from American Express.
The Black Card Quick Facts
| Bonus Available | None |
| Bonus Value | Get $100 annual airline credit. $100 Global Entry/TSA Precheck application fee credit. |
| Travel Credit | Receive 1 point for every $1 used on all expenses. |
| Ongoing Rewards/Benefits | Priority Pass Select membership. |
| Foreign Transaction Fees? | VIP travel benefits Luxury gifts |
| Airport Lounge Access | None |
| Annual Fee | $495 + $195/authorized user |
Recommended Free Credit Score (Get Free Score)
720 – 850 (Excellent)
*The Black Card is issued by Luxury Card. Compare this to other credit card offers.*
Pros
- Flashy heavy metal card
- Annual airline credit
- Lounge membership
- Global Entry credit
- VIP travel benefits
- No foreign transaction fees
Cons
- High annual fee
- High authorized user fee
- Excellent credit needed to qualify
- No welcome bonus
- No travel partners
Editor’s Alternate Pick
 The Chase Sapphire Reserve offers 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase TravelSM. You'll earn • 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel immediately after the first $300 is spent on travel purchases annually. • 3x points on other travel and dining • 1 point per $1 spent on all other purchases Get 50% more value when you redeem your points for travel through Chase Travel. This card does carry a $550 annual fee and there are no foreign transaction fees. However, you're able to earn a $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year & up to $120 application fee credit for Global Entry or TSA Pre✓®. Member FDIC |
The Black Card Rewards
Using the Black Card, you’ll be able to gain 1 point for each $1 used on all expenses. There won’t be any limitations placed for the amount of points you’ll be able to gain. Also, you don’t have to worry about your points expiring as long as your account is in good standing and remains active.
Other cards that compete with this one such as the Chase Sapphire Reserve and The Platinum Card from American Express has the ability to gain bigger rewards in specific categories options. But, they still offer the same earning potential like 1 point for every $1 used on all non-category expenses.
You’ll be able to redeem Black Card points towards: airfare, hotel bookings, car rental, cash back, merchandise, and gift cards. To receive the best value for your points is to use them for:
- Airfare. Every point will be worth a flat rate of about $0.02, no matter which carrier route, cost of the ticket, etc. Partial redemptions like points and cash can be done, the starting rate will be about 50 points ($1 value).
- Cash back. You can get statement credit or direct deposit. Every point will be worth a flat rate of about $0.015. You’ll need at least 66 points ($0.99 value) to be able to redeem your points.
Hotel stay, car rental, merchandise and gift card redemptions will enable you to receive about $0.01 for each point, if not noted otherwise.
Here’s what what you’ll get for 50,000 Black Card points:
| Redemption | Value of 50,000 Points |
| Airfare | $1,000 |
| Cash Back | $750 |
| Hotel Stay/Car Rental/ Merchandise/Gift Card |
$500 |
However, the points you’ve gained with the Black Card can’t be transferred towards an airline or hotel partners.
When you redeem points with a rate of $0.02 for each point will show up well when you compare it to other cards in this platform. Even with cards such as the Chase Sapphire Reserve has travel partners where your points will be worth about $0.02 for each point as well.
If you look at the big annual fee that comes with this card, receiving no more than a value of $0.02 for each $1 used is pretty low when you compare this card to other luxury cards out there. You’ll be able to find cash back cards that don’t come with an annual fee that can gain you about 1.5% – 2% on all expenses.
Most of The Black Card’s value is gained from their variety of perks, not their rewards.
The Black Card Top Features
With The Black Card, it will allow you to benefit from their complimentary Priority Pass Select memberships. They grant you and your travel companions access to over 1,300 Priority Pass lounges worldwide, no matter which airline you’re flying with.
There won’t be any limitations placed for the amount of times you’ll be able to visit or how many travel buddies can come with you. If you’re a normal traveller, then the annual fee that comes with this card will be well worth the price.
There are other glamorous cards that have Priority Pass Select membership. However, you will be limited on the amount of guests you can have for free (Chase Sapphire Reserve and The Platinum Card from Amex lets you bring two guests free).
If you want to be granted access to the Priority Pass lounges, you’ll need to show your Priority Pass membership card (can use the digital card on their app). Just using the Black Card by itself won’t be enough for you to get inside.
The Black Card has some travel credits that assist their annual fee of $495.
Annual airline credit. Cardmembers will be able to receive $100 credit each calendar year for airline fees, this includes airfare, upgrades, baggage fees, and inflight expenses.
If you compare this card to other glamorous cards in this industry, they do have more to offer towards travel credits. Even more than $300, it makes it easier to make up for the large annual fee that comes with the card. The Chase Sapphire Reserve has a $300 credit for every anniversary for the account, it applies to travel expenses as well. The Platinum Card from Amex gives a $200 credit each calendar year, this applies to baggage and incidental airline charges.
Global Entry credit. You can receive a $100 reimbursement to make up for the charge of applying for Global Entry and TSA PreChecks.
The Black Card has plenty of special, premium perks that increases their value, this is something most cards won’t do. You’ll be able to see if these benefits and perks will be worth their annual fee of $495 down below.
Luxury Card Travel. Using this program, they give a suite of services that will enable your travels to be more comfortable at more than 3,000 hotel partners worldwide. Theses services and amenities can has additional perks such as: resort or spa credits, complimentary food and drinks, room upgrades, early check ins, late checkout, welcome benefits, etc. This Luxury Card states that their members will average out to a value of about $500 each stay.
Luxury Card EXPERIENCES. Getting access will be specifically picked and constantly updated activities for a variety of interests such as: Culinary & Wine, Activity & Adventure, Sports & Entertainment, Family, Arts & Culture, and Specialty Travel.
24/7 Luxury Card Concierge. Basically, it’s not like your normal concierge. Their teams will be open 24/7 on phone, live chat, and email. They will be able to help you with any requests or questions such as: making a reservation, getting sold out tickets, offering things for your itinerary, and more.
Luxury Magazine. Their members will receive a subscription for this quarterly publication that will be able to cover your travel, fashion, design, real estate, automobiles, and tech.
Luxury Gifts. With this, Black Card will be able to give you presents “from some of the world’s most popular brand names.” There won’t be any “premeditated schedule or frequency.” This way, you will be able to look forward to surprises in your mailbox.
More premium benefits will be:
- Mastercard Priceless. Benefit from a one time, invitation only experience.
- Airport Meet & Assist (20% discount). You can get a professional representative and meet up with them to help guide you through the ticketing process, security, and terminals.
- Chauffeured Transportation Get a $50 discount towards your first booking, 10% discount for base rates, and complimentary car upgrades.
- Global Luggage Delivery Receive a complimentary second bag for your first shipment, 20% ongoing discount, complimentary luggage insurance with the Global Luggage Delivery.
Keep in mind, that cardholders will be able to receive special benefits towards trips you take with at least 20 cruise lines. You can even get a priority access towards chartered yachts and private jets. But, there will be some extra charges that may be included.
Most cards in the Luxury Card group will have unique and long lasting metal designs. Every card will weigh out to be 22 grams. Typically, this company will have 46 patents that are issued worldwide to make their metal cards.
This card is made with a black-PVD-coated stainless steel front, and a carbon back. Their special design was made to reflect the high level card for your membership.
This is a OneFineStay Home.
Benefit from their many perks such as (they can be subject to change):
- Rental car discounts. Varies by company.
- Wireless communication worldwide. This will have high-speed pocket WIFi, small priced WiFi calling app and satellite phone rental.
- Lyft. Take 5 rides/month and get $10 Lyft credit.
- Boxed. Gain 5% cash rewards to use for future purchases.
- ShopRunner. Receive a complimentary membership, free 2-day shipping and free return shipping on purchases.
- Fandango. Earn double points for tickets (250 points/ticket). 500 points gets you a $5 VIP + reward.
- Onefinestay. Receive a 10% discount on bookings.
Make the Most Out of the Black Card
Remember, to receive the best value out of The Black Card. You’ll be able to travel around. You can gain double points when you redeem them towards airfare, it’s not hard to build up your value for a flight ticket that will be able to cover the annual fee this card comes with.
If you spend $25,000 a year on your Black Card, you can redeem for $500 in airfare.
The card’s additional fees will be worth it with all of the benefits this card has to offer. Be sure to do the following such as:
- Use your annual $100 airline credit and Global Entry application fee credit (once every 5 years).
- Access Priority Pass Select lounges with your guests every chance you can get.
- Make use of The Luxury Card hotel & travel benefits.
- Get The Luxury Card app to chat live with Luxury Card concierge 24/7.
Bottom Line
Looking for large rewards? Then the Luxury Card Mastercard Black Card isn’t the best option for you with no welcome bonuses included. You will only be able to receive 1 point for every $1 you’ve used towards your purchases.
However, if you want to redeem your points towards airfare, you’ll be able to increase your rewards rate to no more than 2%. This is pretty good if you compare it to other travel rewards credit cards there is to offer.
But, with the majority of luxury cards, they don’t normally put their main priority towards the rewards. Their status and premium benefits are what they mainly focus on. If you want an exclusive card that comes with luxury benefits to decrease your struggles for travel, The Black Card could be a good fit for you if you don’t mind paying the $495 annual fee charge.
(Visit The Black Card for more information)
What’s the Competition?
There are some of The Luxury Card Mastercard Black Card’s top competitors listed below.
The Chase Sapphire Reserve offers 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase TravelSM. You'll earn • 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel immediately after the first $300 is spent on travel purchases annually. • 3x points on other travel and dining • 1 point per $1 spent on all other purchases Get 50% more value when you redeem your points for travel through Chase Travel. This card does carry a $550 annual fee and there are no foreign transaction fees. However, you're able to earn a $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year & up to $120 application fee credit for Global Entry or TSA Pre✓®. Member FDIC |
 The Platinum Card® from American Express offers 100,000 Membership Rewards points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. You'll earn: • 5X Membership Rewards Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year. • 5X Membership Rewards Points on prepaid hotels booked with American Express Travel. • $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts(R) or The Hotel Collection bookings through American Express Travel using your Platinum Card(R). The Hotel Collection requires a minimum two-night stay. • $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required. • With American Express Global Lounge Collection you can enjoy access to over 1,400 airport lounges globally, including The Centurion Lounge, Unlimited Delta Sky Club® Access when flying an eligible Delta flight, Escape Lounges, Lufthansa Lounges when flying Lufthansa Group, Plaza Premium, Priority Pass Select Lounges, & Additional Global Lounge Collection Partner Lounges subject to visit limitations. Lounges may have their own rules, like additional access rules and guest fees, and for Priority Pass Select, you need to enroll and there are unlimited airport lounge visits for Card Members. With Delta Sky Club Access, Card Members will receive 10 Visits to the Delta Sky Club to be used from February 1 until January 31 of the next calendar year and can unlock Unlimited Delta Sky Club Access by spending $75,000 in eligible purchases on their Card in a calendar year. To find a lounge, visit the membership section in the American Express App or visit http://www.americanexpress.com/findalounge#/loungefinder. • $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month. • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card. • $200 Uber Cash: Platinum Card Members can ride or dine in style with $15 in Uber Cash each month, plus a bonus $20 in December after adding their Card to their Uber account. Use your Uber Cash on rides and orders in the U.S. when you select an Amex Card for your transaction. • $199 CLEAR® Plus Credit: CLEAR Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $199 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues. • Receive either a $120 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck (through a TSA official enrollment provider) application fee, when charged to your Platinum Card. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost. • Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card. That's up to $50 in statement credits semi-annually. Enrollment required. This card comes with a $695 annual fee.¤ (See Rates & Fees), but you cardholders can enjoy Uber VIP status and up to $200 in Uber savings on rides in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member and Additional Centurion Cards only. Terms Apply. |
