Card
Network

Mastercard®
Bank

Barclays
Issuing
Country

United States
User
Category

Consumer
Card
Type

Unsecured
Credit
Recommended

Excellent
Interest Rates
Maintenance Fees
Customer Service
Features & Benefits
Reward Program
Card Overall Rating

MAIN CARD FEATURE

Ideal for those seeking a top-of-wallet premium card with straightforward rewards and exceptional service. Cardmembers can avoid juggling various cards and monthly statements while benefiting from travel perks and enhanced protection that exceeds standard credit cards.

CARD DETAILS

  • Ideal for those seeking a top-of-wallet premium card with straightforward rewards and exceptional service. Cardmembers can avoid juggling various cards and monthly statements while benefiting from travel perks and enhanced protection that exceeds standard credit cards.
  • Offers a flat-rate redemption value of 1.5% for cash back or 2% value for airfare redemption with no airline or seat restrictions and no blackout dates. Cardmembers earn one point for every dollar spent. Point redemption is simple, without requiring a complex reward strategy. The card features no foreign transaction fees, no earning caps, no rotating categories, and eliminates the need to pursue transfer partners to maximize point values.
  • Annual Airline Credit—up to $100 in statement credits toward flight-related purchases including airline tickets, baggage fees, upgrades and more. Cardmembers simply pay for airline purchases with their Mastercard Black Card and the credit is automatically applied to their account. There's no need to activate or designate an airline. The full credit amount is available at the start of the calendar year.
  • Up to a $120 application fee credit for the cost of TSA Pre✓® or Global Entry. Also, enjoy automatic enrollment in Priority Pass™ Select with access to 1,500+ airport lounges worldwide with no guest or lounge limits. Includes credits at select airport restaurants for cardholder and one guest.
  • 24/7 Luxury Card Concierge®—Make requests the way you want by phone, email, SMS and chat in the app. Connect directly with a real agent and receive 24/7 assistance for tasks big and small. Requests do not require a purchase, incur no charge for making them, and do not involve department transfers.
  • Exclusive Luxury Card Travel® benefits—average value of $500 per stay (e.g., resort credits, room upgrades, free wifi, breakfast for two and more) at over 3,000 properties. Receive protection benefits like trip cancellation and interruption, auto rental car collision waiver, travel accident and baggage delay. Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard® benefits.
  • Black PVD-Coated Metal Card: Weighing in at an industry-leading 22g. Designed for frequent shoppers, big ticket purchases and everything in between.
  • Annual Fee: $495 ($195 for each Authorized User). Terms and conditions apply.
+ Pros
  • Straightforward rewards.
  • 1.5% value for cash back or 2% value for airfare redemption.
  • Exclusive Luxury Card Travel Benefits.
- Cons
  • Annual fee

PURCHASES

Intro
APR

N/A
Ongoing
APR

20.24% to 28.24% Variable APR on purchases and balance transfers, based on your creditworthiness and other factors
Penalty
APR

See website for Details*
Minimum Grace
Period

See website for Details*
Minimum Interest
Charge

See website for Details*

BALANCE TRANSFERS

Intro
APR

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 20.24% to 28.24%, based on your creditworthiness and other factors. This APR will vary with the market based on the Prime Rate.
Ongoing
APR

20.24% to 28.24% Variable APR on purchases and balance transfers, based on your creditworthiness and other factors
Balance Transfer
Fee

Either $5 or 5% of the amount of each transfer, whichever is greater.
Penalty
APR

See website for Details*
Minimum Grace
Period

See website for Details*

CASH ADVANCE

Intro
APR

N/A
Ongoing
APR

29.99% This APR will vary with the market based on the Prime Rate.
Cash Advance
Fee

Either $10 or 5% of the amount of each cash advance, whichever is greater.
Penalty
APR

See website for Details*
Minimum Grace
Period

See website for Details*

GENERAL FEES

Application Processing
Fee

See website for Details*
Annual
Fee

$495 ($195 for each Authorized User added to the account)
Foreign Transaction
Fee

0% of each transaction in U.S. dollars.
Late Payment
Fee

See website for Details*
Card Overall Rating
APPLY
Have Questions?
ASK OUR EXPERT!
ASK YOUR QUESTION

SEE OTHER RECOMMENDED OFFERS

CONSUMER DISCUSSION
NEED CREDIT OFFERS THAT SUIT YOUR STATE?
Choose your credit history and state and we will show you some great options
NEXT>
HERE ARE THE BEST DEALS FOR YOU
< BACK
SORRY!

Nothing was found, please check Best Credit Cards of 2025 to see more options for you!