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Home Depot Commercial Revolving Charge Card vs Mastercard Black Card
Both are well-respected travel cards. The Home Depot Commercial Revolving Charge Card comes from Citi Retail Services at $0/yr; the Mastercard Black Card from Barclays (Luxury Card) at $699/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.
| Feature | Home Depot Commercial Revolving Charge Card | Mastercard Black Card |
|---|---|---|
| Annual fee | $0 | $699 |
| Sign-up bonus | No public welcome offer | |
| Bonus value (est.) | - | $0 |
| Min spend to unlock bonus | - | $0 in 0 mo |
| Issuer | Citi Retail Services | Barclays (Luxury Card) |
| Card category | business | travel |
| Transfer partners | None | None |
| Headline benefits |
|
Read the full review
Home Depot Commercial Revolving Charge Card
$0/yr ·
Read the full review
Mastercard Black Card
$699/yr · No public welcome offer
Editorial take: Mastercard Black Card
The mid tier of the Barclays Luxury Card lineup. The $200 airline + $100 dining credits offset $300 of the $699 AF before lounge value, and the 1.5cpp cash-back rate is the best of the Luxury Card tiers. Still hard to beat Sapphire Reserve or Venture X on transferable-points flexibility, but the all-stainless body and concierge appeal to some.
Common questions
- Which card has the bigger sign-up bonus, Home Depot Commercial Revolving Charge Card or Mastercard Black Card?
- The Mastercard Black Card has a public bonus (No public welcome offer, worth roughly $0), while the Home Depot Commercial Revolving Charge Card doesn't advertise one right now.
- Is the Home Depot Commercial Revolving Charge Card's $0 annual fee worth it compared to the Mastercard Black Card?
- The Home Depot Commercial Revolving Charge Card has no annual fee, so the question is whether the Mastercard Black Card's $699 fee is justified by its perks. If you'll use enough of the Mastercard Black Card's benefits to clear $699 in value annually, it's worth it; otherwise stick with the Home Depot Commercial Revolving Charge Card.
- Can I have both the Home Depot Commercial Revolving Charge Card and Mastercard Black Card?
- Yes, since they're from different issuers (Citi Retail Services and Barclays (Luxury Card)) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the Home Depot Commercial Revolving Charge Card or the Mastercard Black Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Home Depot Commercial Revolving Charge Card: no published min spend. Mastercard Black Card: $0 in 0 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.