Luxury Card™ Credit Cards

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With Luxury Card, travel in style with exceptional benefits at over 3,000 properties. Experience the highest caliber of personal service from Luxury Card Concierge™. An elite, dedicated group of consultants offering local and global knowledge are ready to assist Cardmembers with any request. Compare partner offers side by side and apply online for the credit card of your choice below.

Mastercard® Black Card™

Our rating:2.5

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Rewards rate

2%: 2% value for airfare redemption with no airline or seat restrictions and no blackout dates
1.5%: Flat-rate redemption value of 1.5% for cash back
1X: Earn one point for every one dollar spent.

Intro offer: No current offer

Annual fee: $495 ($195 for each Authorized User added to the account)

Regular APR: 20.74% - 28.74% variable

Recommended credit: 740-850 (Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:2.5

Rating methodology

Rewards Value:: 1.1
Annual Percentage Rate:: 4.1
Rewards Flexibility:: 4.2
Features:: 4.0
Issuer Customer Experience: 4.1

Highlights

Ideal for those seeking a top-of-wallet premium card with straightforward rewards and exceptional service. Cardholders can avoid juggling various cards and monthly statements while benefiting from travel perks and enhanced protection that exceeds standard credit cards.
Offers a flat-rate redemption value of 1.5% for cash back or 2% value for airfare redemption with no airline or seat restrictions and no blackout dates. Cardholders earn one point for every dollar spent. Point redemption is simple, without requiring a complex reward strategy. The card features no foreign transaction fees, no earning caps, no rotating categories, and eliminates the need to pursue transfer partners to maximize point values.
Annual Airline Credit—up to $100 in statement credits toward flight-related purchases including airline tickets, baggage fees, upgrades and more. Cardholders simply pay for airline purchases with their Mastercard Black Card and the credit is automatically applied to their account. There's no need to activate or designate an airline. The full credit amount is available at the start of the calendar year.
Up to a $120 application fee credit for the cost of TSA Pre✓® or Global Entry. Also, enjoy automatic enrollment in Priority Pass™ Select with access to 1,500+ airport lounges worldwide with no guest or lounge limits. Includes credits at select airport restaurants for cardholder and one guest.
24/7 Luxury Card Concierge®—Make requests the way you want by phone, email, SMS and chat in the app. Connect directly with a real agent and receive 24/7 assistance for tasks big and small. Requests do not require a purchase, incur no charge for making them, and do not involve department transfers.
Exclusive Luxury Card Travel® benefits—average value of $500 per stay (e.g., resort credits, room upgrades, free wifi, breakfast for two and more) at over 3,000 properties. Receive protection benefits like trip cancellation and interruption, auto rental car collision waiver, travel accident and baggage delay. Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard® benefits.
Black PVD-Coated Metal Card: Weighing in at an industry-leading 22g. Designed for frequent shoppers, big ticket purchases and everything in between.
Annual Fee: $495 ($195 for each Authorized User). Terms and conditions apply.

Rates & Fees

Annual Fee: $495 ($195 for each Authorized User added to the account)
Intro Purchase APR: N/A
Regular APR: 20.74% to 28.74%
Intro Balance Transfers APR: 0% intro APR for the first 15 billing cycles following each balance transfer that posts to your account within 45 days of account opening. After that, the APR will be 20.74% to 28.74%, based on your creditworthiness. There is a fee for balance transfers.

Mastercard® Titanium Card™

Our rating:2.5

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Rewards rate

2%: 2% value for airfare redemption with no airline or seat restrictions and no blackout dates.
1%: Flat-rate redemption value of 1% for cash back.
1X: Earn one point for every one dollar spent.

Intro offer: No current offer

Annual fee: $195 ($95 for each Authorized User added to the account)

Regular APR: 20.74% - 28.74% variable

Recommended credit: 740-850 (Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:2.5

Rating methodology

Rewards Value:: 0.3
Annual Percentage Rate:: 4.1
Rewards Flexibility:: 4.7
Features:: 3.0
Issuer Customer Experience: 4.1

Highlights

Designed for those seeking an introductory premium travel card with exceptional airfare redemption, access to hotel privileges, and elevated service that most conventional cards do not provide. Cardholders also receive protection benefits that exceed those of standard credit cards.
Offers a flat-rate redemption value of 1% for cash back or 2% value for airfare redemption with no airline or seat restrictions and no blackout dates. Cardholders earn one point for every dollar spent. Point redemption is simple, without requiring a complex reward strategy. The card features no foreign transaction fees, no earning caps, no rotating categories, and eliminates the need to pursue transfer partners to maximize point values.
24/7 Luxury Card Concierge®—Make requests the way you want by phone, email, SMS and chat in the app. Connect directly with a real agent and receive 24/7 assistance for tasks big and small. Requests do not require a purchase, incur no charge for making them, and do not involve department transfers.
Exclusive Luxury Card Travel® benefits—average value of $500 per stay (e.g., resort credits, room upgrades, free wifi, breakfast for two and more) at over 3,000 properties. Receive protection benefits like trip cancellation and interruption, auto rental car collision waiver, travel accident and baggage delay. Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard® benefits.
Brushed Metal Card Design: Weighing in at an industry-leading 22g. Designed for frequent shoppers, big ticket purchases and everything in between.
Annual fee: $195 ($95 for each Authorized User). Terms and conditions apply.

Rates & Fees

Annual Fee: $195 ($95 for each Authorized User added to the account)
Intro Purchase APR: N/A
Regular APR: 20.74% to 28.74%
Intro Balance Transfers APR: 0% intro APR for the first 15 billing cycles following each balance transfer that posts to your account within 45 days of account opening. After that, the APR will be 20.74% to 28.74%, based on your creditworthiness. There is a fee for balance transfers.

Mastercard® Gold Card™

Our rating:2.9

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Rewards rate

2%: 2% value for airfare redemption with no airline or seat restrictions and no blackout dates
2%: Flat-rate redemption value of 2% for cash back
1X: Earn one point for every one dollar spent.

Intro offer: No current offer

Annual fee: $995 ($295 for each Authorized User added to the account)

Regular APR: 20.74% - 28.74% variable

Recommended credit: 740-850 (Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:2.9

Rating methodology

Rewards Value:: 0.0
Annual Percentage Rate:: 4.1
Rewards Flexibility:: 4.7
Features:: 5.0
Issuer Customer Experience: 4.1

Highlights

Ideal for those seeking a top-of-wallet premium card with straightforward rewards and exceptional service. Cardholders can avoid juggling various cards and monthly statements while benefiting from travel perks and enhanced protection that exceeds standard credit cards.
Offers a flat-rate redemption value of 2% for cash back or 2% value for airfare redemption with no airline or seat restrictions and no blackout dates. Cardholders earn one point for every dollar spent. Point redemption is simple, without requiring a complex reward strategy. The card features no foreign transaction fees, no earning caps, no rotating categories, and eliminates the need to pursue transfer partners to maximize point values.
Annual Airline Credit—up to $200 in statement credits toward flight-related purchases including airline tickets, baggage fees, upgrades and more. Cardholders simply pay for airline purchases with their Mastercard Gold Card and the credit is automatically applied to their account. There's no need to activate or designate an airline. The full credit amount is available at the start of the calendar year.
Up to a $120 application fee credit for the cost of TSA Pre✓® or Global Entry. Also, enjoy automatic enrollment in Priority Pass™ Select with access to 1,500+ airport lounges worldwide with no guest or lounge limits. Includes credits at select airport restaurants for cardholder and one guest.
24/7 Luxury Card Concierge®—Make requests the way you want by phone, email, SMS and chat in the app. Connect directly with a real agent and receive 24/7 assistance for tasks big and small. Requests do not require a purchase, incur no charge for making them, and do not involve department transfers.
Exclusive Luxury Card Travel® benefits—average value of $500 per stay (e.g., resort credits, room upgrades, free wifi, breakfast for two and more) at over 3,000 properties. Receive protection benefits like trip cancellation and interruption, auto rental car collision waiver, travel accident and baggage delay. Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard® benefits.
Made with 24K Gold: Weighing in at an industry-leading 22g. Designed for frequent shoppers, big ticket purchases and everything in between.
Annual Fee: $995 ($295 for each Authorized User). Terms and conditions apply.

Rates & Fees

Annual Fee: $995 ($295 for each Authorized User added to the account)
Intro Purchase APR: N/A
Regular APR: 20.74% to 28.74%
Intro Balance Transfers APR: 0% intro APR for the first 15 billing cycles following each balance transfer that posts to your account within 45 days of account opening. After that, the APR will be 20.74% to 28.74%, based on your creditworthiness. There is a fee for balance transfers.

Luxury Card™ Credit Cards

How we Choose

Mastercard® Black Card™

Rewards rate

At A Glance

Mastercard® Titanium Card™

Rewards rate

At A Glance

Mastercard® Gold Card™

Rewards rate

At A Glance