Luxury Card MasterCard Black Card Review (2026.10 Update: 75k Offer!)
[2026.10 Update] The new welcome offer is 75k, which is an all-time high! Since the points can be redeemed toward airfare at a fixed value of 2 cents per point, or cashed out at a fixed value of 1.5 cents per point, the 75k welcome offer is worth $1,125 even if you simply redeem it for cash. At this level, the offer is finally good enough to justify the hefty $699 annual fee.
[2025.10 Update] The annual fee is increased from $495 to $699, and benefits are improved accordingly.
Application Link
Benefits
- 75k offer: earn 75,000 points after spending $6,000 in the first 90 days. This is the best ever offer on this card.
- You can redeem the points at a fixed 2 cents/point value for airfare, and 1.5 cents/point for cash back. So the 75k welcome offer is worth $1,125 even if you simply redeem it for cash.
- This card is really heavy: 22g, it is now the most heavy credit card that an ordinary person can get.
- [New] Earn 2X points on Airfare and Hotel reservations booked through LuxuryCardTravel.com. One point for every one dollar you spend for all other categories, earning points every time you spend.
- [New] $200 Annual Airline Credit: Receive up to $200 in annual air travel credits toward flight-related purchases, including airline tickets, baggage fees, upgrades and more.
- [New] $100 Annual Dining Credit: Get up to $100 in annual statement credits when you use your Luxury Card at qualifying restaurants.
- Complimentary Priority Pass Select (PPS) card: get access to 1,800+ airport lounges.
- Up to a $120 application fee credit for the cost of TSA Pre✓® or Global Entry.
- Cell phone protection for eligible claims of up to $1,000 each year.
- 24/7 access to Luxury Card Concierge. They use the same provider as AmEx Platinum.
- Exclusive Luxury Card Travel® benefits—average value of $750 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.
- No foreign transaction fee.
Disadvantages
Recommended Application Time
- Barclays value the number of recent hard pulls a lot, we recommend you apply when you have less than 6 hard pulls in the past 6 months.
- We recommend you apply for this card after you have a credit history of at least one year.
Summary
First of all, although its name is black card, this card is NOT the famous “black card” (which is actually AmEx Centurion).
This card is not for frugal people who are willing to spend hours doing research about how to maximize the value of points/miles. This card is designed for rich people who value their time and prefer simple rewards. Similar premium credit cards, such as Chase Sapphire Reserve (CSR), AmEx Platinum, AmEx Hilton Aspire, and Chase Ritz-Carlton, are more suitable for people who travel a lot and are willing to spend time on the points/miles stuff. Instead, this card offers a simple rewards structure: 2% return on every spend (if you use the points for airfare), so you don’t need to think about anything and you can earn the rewards you deserve.
Comparing this card with the no annual fee 2% cashback card like Citi Double Cash, it has a big annual fee. But since this is a premium credit card, you get better service, larger credit limit, and a heavier shiny card.
Related Credit Cards
After Applying
- Click here to check Barclays application status.
- Barclays reconsideration backdoor number: 866-408-4064. Barclays tends to ask various questions and you must know all the answers about personal information and credit report. Besides, you may get HP again, but will be informed in advance. Therefore, think carefully before calling.
Historical Offers Chart
Application Link
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