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Mastercard Black Card vs US Bank Triple Cash Rewards Business

Both are well-respected travel cards. The Mastercard Black Card comes from Barclays (Luxury Card) at $699/yr; the US Bank Triple Cash Rewards Business from U.S. Bank at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

For most people the US Bank Triple Cash Rewards Business is the stronger pick today, the sign-up bonus is meaningfully larger ($750 more in estimated value) than the Mastercard Black Card's. Get the US Bank Triple Cash Rewards Business first; revisit the Mastercard Black Card after you've earned that bonus.

FeatureMastercard Black CardUS Bank Triple Cash Rewards Business
Annual fee$699$0
Sign-up bonusNo public welcome offer$750 cash back
Bonus value (est.)$0$750
Min spend to unlock bonus$0 in 0 mo$6,000 in 6 mo
IssuerBarclays (Luxury Card)U.S. Bank
Card categorytravelbusiness
Best earning category (Luxury_card_travel)2x1x
Transfer partnersNoneNone
Headline benefits
  • $200 airline credit
  • $100 dining credit
  • Priority Pass Select
  • 1.5cpp cash back, 2cpp airfare
    Read the full review
    Mastercard Black Card
    $699/yr · No public welcome offer
    Read the full review
    US Bank Triple Cash Rewards Business
    $0/yr · $750 cash back

    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.

    Editorial take: US Bank Triple Cash Rewards Business

    Common questions

    Which card has the bigger sign-up bonus, Mastercard Black Card or US Bank Triple Cash Rewards Business?
    The US Bank Triple Cash Rewards Business has the bigger bonus, $750 cash back, worth roughly $750, versus No public welcome offer (~$0) on the Mastercard Black Card.
    Is the Mastercard Black Card's $699 annual fee worth it compared to the US Bank Triple Cash Rewards Business?
    Premium cards like the Mastercard Black Card ($699/yr) earn their fee through credits, travel, dining, lounge access, statement reimbursements. If you'd actively use $699+ of those credits, the math works. The US Bank Triple Cash Rewards Business at $0/yr trades some perks for a lower commitment.
    Can I have both the Mastercard Black Card and US Bank Triple Cash Rewards Business?
    Yes, since they're from different issuers (Barclays (Luxury Card) and U.S. Bank) 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 Mastercard Black Card or the US Bank Triple Cash Rewards Business first?
    Get the one whose sign-up bonus you can hit comfortably without overspending. Mastercard Black Card: $0 spend in 0 months. US Bank Triple Cash Rewards Business: $6,000 in 6 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.