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Mastercard Black Card vs Choice Privileges Select Mastercard

Both are travel travel cards. The Mastercard Black Card comes from Barclays (Luxury Card) at $699/yr; the Choice Privileges Select Mastercard from Wells Fargo at $95/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

If you're not sure you'll use premium perks, start with the Choice Privileges Select Mastercard, its annual fee is significantly lower and the bonus values are similar. Upgrade later if you find yourself using the higher-tier benefits.

FeatureMastercard Black CardChoice Privileges Select Mastercard
Annual fee$699$95
Sign-up bonusNo public welcome offer60,000 bonus points
Bonus value (est.)$0-
Min spend to unlock bonus$0 in 0 mo$3,000 in 3 mo
IssuerBarclays (Luxury Card)Wells Fargo
Card categorytraveltravel
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
    Choice Privileges Select Mastercard
    $95/yr · 60,000 bonus points

    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: Choice Privileges Select Mastercard

    Common questions

    Which card has the bigger sign-up bonus, Mastercard Black Card or Choice Privileges Select Mastercard?
    The Mastercard Black Card has a public bonus (No public welcome offer, worth roughly $0), while the Choice Privileges Select Mastercard doesn't advertise one right now.
    Is the Mastercard Black Card's $699 annual fee worth it compared to the Choice Privileges Select Mastercard?
    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 Choice Privileges Select Mastercard at $95/yr trades some perks for a lower commitment.
    Can I have both the Mastercard Black Card and Choice Privileges Select Mastercard?
    Yes, since they're from different issuers (Barclays (Luxury Card) and Wells Fargo) 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 Choice Privileges Select Mastercard first?
    Get the one whose sign-up bonus you can hit comfortably without overspending. Mastercard Black Card: $0 spend in 0 months. Choice Privileges Select Mastercard: $3,000 in 3 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.