Mastercard Black Card (Luxury Card)

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Barclays · Mastercard · personal · Luxury Card Rewards points

Barclays Black MC

Web-verified 2026-09-23.
Review the linked sources below for offer details and eligibility.

$699

annual fee · $249 for each authorized user

foreign txn fee

$260

credits/yr realistic ($300 face)

Earning

Issuer travel portal 2x on airfare and hotel reservations booked through LuxuryCardTravel.com	2x	4%
Everything else	1x	2%

Right column: value per $ at travel valuation (2¢/pt). Proprietary points, no transfer partners, no expiration, no minimum. Airfare redemption is 2¢ on all three Luxury Cards (50,000 points = $1,000 airfare). Cash back differs by card: Gold 2¢, Black 1.5¢, Titanium 1¢ (luxurycard.com/compare, 2026-09-23). cash_cpp set to the Black's 1.5¢ as the middle case; the Gold's card notes flag its 2¢ cash rate.

Credits

$200 Airline credit /year · easy to use
Up to $200 in annual statement credits toward flight-related purchases, including airline tickets, baggage fees, upgrades and more
$100 Dining credit /year · medium to use
Up to $100 in annual statement credits when using the card at qualified restaurants worldwide; no enrollment or third-party apps required (the qualifying restaurant list is not published on the card page)
$120 Global Entry / TSA PreCheck /one time · easy to use · enrollment required
Statement credit up to $120 as reimbursement for a Global Entry or TSA PreCheck application fee (renewal frequency not stated on the card page)

Benefits

No foreign transaction fees
Priority Pass Select — 1,800+ lounges; guests included per luxurycard.com (reviews: unlimited guest visits)
Luxury Card Travel hotel benefits — Average $750 value per stay at 3,000+ properties: daily breakfast for two, room upgrade at check-in, early check-in/late check-out, resort credits
Luxury Card Concierge — 24/7 by call, email, text or chat
Trip cancellation / interruption — Up to $5,000 per insured person
Baggage delay — $100/day, max 3 days, after 4 hours
Travel accident insurance — Up to $250,000
MasterRental secondary coverage
Cell phone protection — When the monthly phone bill is paid with the card; reported $800/claim, $1,000/yr, $50 deductible
Lyft and Peacock perks — $5 Lyft credit after 3 rides in a month (through 2027-01-31); $3/month off Peacock Premium/Premium Plus (through 2027-12-31)
Priceless Golf — Access to 1,000+ private country clubs
0% intro APR on balance transfers — 15 months on transfers made within 45 days of opening (5% fee, min $5); then 19.49%-27.49% variable

Protections

trip cancellation	Up to $5,000 per insured person
baggage delay	$100/day, max 3 days, after a 4+ hour delay
rental car	secondary
cell phone	Pay the monthly bill with the card; reported up to $800/claim, $1,000/yr, $50 deductible (AIG)
travel accident	Up to $250,000

Notes

WEB-VERIFIED 2026-09-23 against luxurycard.com. Marketed by Luxury Card (Black Card LLC), issued by Barclays. Points: 1x everywhere, 2x only on airfare/hotels booked via LuxuryCardTravel.com; no transfer partners; points never expire. Black redeems at 2% for airfare but only 1.5% for cash back (50,000 points = $1,000 airfare / $750 cash back). The shared luxury_card_points currency uses 1.5¢ cash / 2¢ airfare, which matches this card. No welcome bonus. Card is stainless steel, 22 g. Cell phone protection limits are from secondary sources (official page gives none); no purchase protection or extended warranty is listed on the card page.

Verified 2026-09-23 · confidence high · sources: 1, 2, 3, 4, 5, 6