Luxury Card™ Mastercard® Black Card™

Luxury Card is an Experian Partner

Luxury Card™ Mastercard® Black Card™ Apply Now
  • Rewards

  • 0% Intro APR

  • Balance Transfer

Recommended FICO® ScoreΘ Rating

Very Good - Exceptional

Get your FICO Score for free
  • Rewards

    Rewards, Cash back, Rewards Points

  • Annual fee

    $495

  • Intro APR

    0% for the first 15 billing cycles on balance transfers made in the first 45 days after account opening

  • Ongoing APR

    14.99% Variable

  • Balance transfer

    14.99% Variable

Card details:
  • Patented black-PVD-coated metal card—weighing 22 grams
  • 2% value for airfare redemptions with no blackout dates or seat restrictions. 1.5% value for cash back redemptions. Earn one point for every one dollar spent.
  • 24/7 Luxury Card Concierge®—available by phone, email and live mobile chat. Reach out to manage tasks big and small.
  • Exclusive Luxury Card Travel® benefits—average value of $500 per stay (e.g., resort credits, amenities, room upgrades and complimentary food and beverages) at over 3,000 properties.
  • Annual Airline Credit—up to $100 in statement credits toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
  • Up to a $100 application fee credit for the cost of TSA Pre✓® or Global Entry.
  • Enrollment in Priority Pass™ Select with access to 1,300+ airport lounges worldwide with no guest limit.
  • Cell phone protection for eligible claims of up to $1,000 each year. Plus Lyft credits, ShopRunner membership, Fandango perks and more.
  • Members-Only LUXURY MAGAZINE
  • 0% intro APR for 15 billing cycles on balance transfers posted within 45 days of account opening. After that, the APR will be 14.99%, a variable rate based on the Prime Rate.
Rates and fees
Pros:
  • Valuable travel rewards redemption
  • Suite of travel perks
  • Decent APR
Cons:
  • High annual fee
  • No intro bonus
  • Fee for each authorized user

Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by the issuer.

ΘCredit score is calculated based on FICO® Score 8 model, unless otherwise noted. In addition to the FICO® Score 8, we may offer and provide other base or industry-specific FICO® Scores (such as FICO® Auto Scores and FICO® Bankcard Scores). Your lender or insurer may use a different FICO® Score than FICO® Score 8 or such other base or industry-specific FICO® Score (if available), or another type of credit score altogether. Learn more.

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