Mastercard Black Card
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View OfferNo publicly advertised welcome bonus.
Benefits and fees last verified May 2026against the issuer's published terms.
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.
Earning Rates
At a glance
- $200 airline credit
- $100 dining credit
- Priority Pass Select
- 1.5cpp cash back, 2cpp airfare
Important considerations
- Annual fee to offset
This card carries a $699 annual fee. Make sure the credits and bonus categories you will actually use are worth more than that every year.
Based on this card's terms last verified May 2026.
Earning rates
2- 2xlodging
2x points (double points) on airfare and hotels booked through the Luxury Card travel booking platform, per the 'Earn On Airfare And Hotels' panel on luxurycard.com/blackcard; otherwise 1x point per $1 on all purchases with no caps, no blackout dates and no point expirations
- flights
Luxury Rewards points redeem at 1.5 cents per point ($0.015) when redeemed for airfare through the Luxury Card travel portal (50,000 points = $1,000 airfare), and at 1.0 cent per point for cash back (50,000 points = $500 cash back per Luxury Card's value disclosures); brief framed cash back at 1.0 cpp while the current product page shows a $750/50,000 cash back value, indicating an updated 1.5 cpp cash-back rate on the live page (this discrepancy should be re-verified)
Statement credits
6- $200Airline CreditYearly
Up to $200 in annual statement credits for flight-related purchases (tickets, baggage, upgrades). No enrollment or airline designation required.
- $100Dining CreditYearly
Up to $100 in annual statement credits at qualifying restaurants worldwide via Luxury Card.
- $100Up to $100 annual airline credit (brief) toward flight-related purchases including airline tickets, baggage fees and upgrades with no enrollment and no airline designation required; current luxurycard.com product page lists this benefit at $200 per year, indicating the airline credit was doubled in the 2026 refresh
- $100Up to $100 annual dining credit (currently displayed on luxurycard
Up to $100 annual dining credit (currently displayed on luxurycard.com/blackcard) toward qualified restaurants worldwide when paid with the Luxury Card, no enrollment or third-party apps required (this dining credit was not in the brief, so it appears to be a newly added 2026 benefit)
- $100Up to $100 statement credit for the Global Entry application fee (brief framing)
Up to $100 statement credit for the Global Entry application fee (brief framing); the current luxurycard.com/blackcard product page lists this as up to $120 reimbursement for a Global Entry OR TSA PreCheck application fee, indicating Barclays Lifestyles increased the trusted-traveler credit in line with the 2026 Global Entry fee hike from $100 to $120
- $5Lyft credit perk for World Elite Mastercard
Lyft credit perk for World Elite Mastercard: $5 Lyft credit added to the account after taking 3 paid Lyft rides on the Luxury Card in a calendar month, limited to one Lyft credit per calendar month (enroll the Luxury Card in the Lyft app to activate)
Perks & memberships
6- Authorized users$695 annual fee for the primary cardholder per the product framing in this brief; the live luxurycard.com/blackcard product page currently displays a $699 annual fee with $249 for each Authorized User, suggesting Barclays Lifestyles raised the Black Card fee to $699/$249 in 2026 (existing cardholders should confirm with the issuer)
- Lounge accessEach Authorized User card carries its own additional annual fee (brief specifies $195 per AU; current product page shows $249 per AU after the 2026 update); each AU receives the full World Elite Mastercard Luxury benefit suite including Priority Pass Select access
- Concierge24/7/365 Luxury Card Concierge for personal assistance with travel planning, dining reservations, exclusive tickets, gifting, VIP experiences, and everyday tasks such as sending flowers or researching products and services
- Lounge accessPriority Pass Select membership with complimentary access for the cardholder and guests to 1,800+ airport lounges in 600+ cities across 140+ countries, with unlimited visits for both the member and accompanying guests; access also includes participating airport restaurants and mini-suites simply by presenting the Luxury Card
- No foreign feesNo foreign transaction fees on international purchases (a standard premium-Mastercard benefit and explicitly confirmed in the 'No Foreign Transaction Fees' panel on the Black Card product page)
- Lounge accessAuthorized Users (Additional Mastercard Black Card): $195 each per year per the brief, currently displayed at $249 each on the live luxurycard.com product page; each AU receives the World Elite Mastercard Luxury benefit suite including Priority Pass Select with unlimited visits for the AU and the AU's guests
Travel & purchase protections
6- MasterRental Coverage (Mastercard's auto rental Collision Damage Waiver): secondary coverage for covered damages to an eligible rental vehicle when the entire rental transaction is paid with the Luxury Card and the rental agency's CDW is declined
- Trip Cancellation / Trip Interruption insurance: secondary coverage for a covered, roundtrip purchase up to $5,000 per insured person when non-refundable, roundtrip travel charges on the Luxury Card are canceled or interrupted for a covered reason
- Travel Accident Insurance: up to $250,000 in common carrier accidental death and dismemberment coverage at no additional cost when the entire travel fare is charged to the Luxury Card for a covered trip
- Baggage Delay Insurance: reimbursement of up to $100 per day (maximum 3 qualifying days, so up to $300 per covered delay) for qualifying baggage delays of more than 4 hours from arrival at the travel destination (delays at the cardholder's primary residence are excluded)
- Cellular Phone Protection: pay the monthly mobile phone bill with the Luxury Card to activate coverage that reimburses the actual cost to repair or replace the phone if it is damaged or stolen (deductibles and per-claim caps apply per standard Mastercard cellular phone protection terms)
- World Elite Mastercard Luxury / World Elite Mastercard benefits suite: Mastercard ID Theft Protection (monitors personal information including SSN, email, date of birth and credit activity for fraud alerts), Mastercard Zero Liability Protection on unauthorized purchases, and World Elite curated offers and experiences activated at mastercard.us/worldeliteoffers
More benefits & fine print (2)ShowHide
- Card construction is patented metal; the Black Card has historically been marketed as a hybrid patent-pending carbon and stainless steel card, while the current luxurycard.com product page lists only 'Made of Stainless Steel' for the Black Card (carbon-front messaging may have been retired or simplified in 2026 marketing copy)
- Master Trip Travel Assistance, Medical Assistance and Master Legal Referral Service: 24-hours-a-day, 365-days-a-year travel assistance hotline designed to help the cardholder or travel companions when traveling 50+ miles from home (the cardholder pays third-party costs; coordination and referrals are complimentary)
Before you decide, weigh alternatives
Lower-fee cards in the same category. A cheaper card can be the better fit if you will not use enough perks to earn back a bigger fee.
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See the Current Offer
Earn No public welcome offer
View OfferAffiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
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