Luxury Card Mastercard Black Card in the United States - Fee and Benefits
The most visible feature of the Luxury Card Mastercard Black Card is its body: the official page says it is made of stainless steel and weighs 22 grams. It is issued by Barclays Bank Delaware under a license from Mastercard, and the Luxury Card trademarks belong to Barclays Lifestyles LLC.
This article looks at the Mastercard Black Card (the Black Card below). The annual fee is $699. As with any premium card, the question is not how impressive the list of benefits is, but how many of them you would use anyway. Everything below sticks to what the official page states.
Annual fee
$699, plus $249 for each Authorized User added to the account.
Points value
50,000 points are worth $1,000 in airfare or $750 in cash back, as shown on the page.
Credits
A $200 annual airline credit, a $100 annual dining credit and a $120 Global Entry or TSA Pre✓ credit.
Concierge
Luxury Card Concierge is available 24/7 by call, email, text or chat.
What to know before you apply
Start with the cautions, because a $699 fee leaves little room for unused benefits.
The details below follow the Luxury Card website as of October 29, 2026. The terms shown at application are the final reference, and a full Guide to Benefits is sent after approval.
The fee is $699, and Authorized Users cost extra
The annual fee is $699, and each Authorized User added to the account costs $249. If you want a card for a partner, the second card adds more than a third of the main fee. Count both before you decide.
The "annual value" excludes the fee
The page says the card offers up to $2,000 in annual value, and its footnote says that value is based solely on the sum of the benefit values shown, and that the amount of the annual fee is not taken into consideration. In other words, the number is not a net figure. It does not say what you gain after paying $699.
Protections come with restrictions
Trip cancellation and interruption, MasterRental coverage, travel accident insurance and baggage delay insurance are all listed, but the page notes that restrictions, limitations and exclusions apply. The full explanation of coverage, time limits, eligibility and documentation arrives in the Guide to Benefits after account approval. Read it before you rely on any of these coverages.
Cash redemption is worth less than airfare
Points are worth 2 percent toward airfare and 1.5 percent as cash back, according to the page. If you redeem for cash, you give up a quarter of the value you would get from airfare.
How the points work
The page describes a simple structure. You earn double points on airfare and hotels, and the page states that you earn rewards on every purchase with no limits, no blackout dates and no point expirations. The page also says that you earn 2X points when you book airfare or hotels through LuxuryCardTravel.com. The earn rate on other purchases is not shown on the page that was checked, so this article does not state it.
What the points are worth
Redemption values are stated clearly:
| Redemption | Points | Value |
|---|---|---|
| Airfare | 50,000 | $1,000 (2% value) |
| Cash back | 50,000 | $750 (1.5% value) |
To pay back the $699 fee with points alone, you would need 34,950 points redeemed against airfare, or 46,600 points redeemed as cash. If the 2X rate is read as two points per dollar, 34,950 points would take about $17,475 of airfare and hotel spending. That reading is an assumption, so check the reward rules in the Terms and Conditions before relying on it. The point is that the points alone do not cover the fee unless you spend heavily on travel.
Counting the benefits against the fee
The page lists these benefits with values. Here they are, set against $699.
| Benefit | Value on the page | What to ask yourself |
|---|---|---|
| Annual Airline Credit | $200 | Do I fly enough to use it? |
| Annual Dining Credit | $100 | Do I eat at qualifying restaurants? |
| Global Entry or TSA Pre✓ credit | $120 | Do I need or already hold it? |
| Airport Lounge | $469 value | How often do I use lounges? |
| Travel Benefits | $750 value | Do I book hotels through Luxury Card Travel? |
| Luxury Card Concierge | $250 value | Would I actually use a concierge? |
The values listed add up to $1,889. That is the most you could count if every benefit is used and valued at the figure the card itself assigns. Some of them are valuations of services, not cash you receive. The airline, dining and Global Entry or TSA Pre✓ credits are the cash-like ones, and they total $420. Everything else depends on whether you would have paid for the service yourself.
A way to run your own numbers
Take the $420 of credits and ask how much you would have spent on those things anyway. Then add only the services you would really buy: a lounge membership you would otherwise pay for, hotel perks on stays you would book anyway, a concierge you would use. The result, not the $1,889 or the $2,000, is the number to compare with the fee.
Travel through Luxury Card Travel
The page describes a dedicated booking platform for hotels, flights and car rentals, where you receive automatic access to perks, preferred rates and added amenities. It states that there are more than 3,000 luxury hotels and resorts worldwide, with an average value per stay of $750. That average is based on a 2026 stay of three nights at a domestic or international property, and the page says actual value varies by property, room rate, upgrade availability, length of stay and use of benefits.
The perks listed include daily breakfast for two, a room upgrade at check-in, early check-in and check-out, and resort credits. The footnote adds welcome amenities, dining credits, late check-out when available and complimentary Wi-Fi. These perks are conditional on availability and on booking through the platform, so think of them as a bonus on trips you would take anyway.
Concierge
The page says Luxury Card Concierge agents are available 24/7 by call, email, text or chat. Requests it names include travel planning, dinner reservations, sending flowers, researching products and services, booking tee times, recommending spa services, delivering gifts and flowers, accessing concert and event tickets, and sourcing high-demand products. The service is assigned a value of $250 on the page.
Protection and fees abroad
Trip Cancellation and Trip Interruption, MasterRental Coverage, Travel Accident Insurance, Baggage Delay Insurance and Travel Assistance are listed. The page says there are no foreign transaction fees. As noted above, each coverage comes with restrictions and exclusions, and the Guide to Benefits explains them after approval.
Who the card suits
The Black Card suits people who book travel often enough to use the airline credit and the Luxury Card Travel perks, and who value a physical metal card and a concierge. It is simpler than cards with a long list of enrollment-based credits: the main numbers are a $200 airline credit, a $100 dining credit and a $120 application credit.
Three checks help the decision:
- How much of the $420 in credits would you have spent anyway?
- Do you book hotels and flights often enough to use Luxury Card Travel?
- Would you pay for a second card, at $249, for someone in your household?
If the answers are yes, the fee has a plausible path to being recovered. If they are no, the stainless steel body will be a very expensive piece of metal.
This article follows the Luxury Card website as of October 29, 2026. The terms and screens shown at application are the final reference.