Our illustration, not the card’s design
Luxury Card credit card
Mastercard® Black Card®
Purchase APR 19.74–27.74%, variable.
Checked Nov 1, 2026Updated
- Annual fee
- ($249 for each Authorized User added to the account)Receipt · Annual feeChecked Nov 1, 2026
Issuer's page · luxurycard.com
“Annual Fee is $699.00 ($249 for each Authorized User added to the account).”
- Purchase APR · variable
- Receipt · Purchase APRChecked Nov 1, 2026
Issuer's page · luxurycard.com
“For new and outstanding balance transfers after the introductory period and all purchases, the variable APR is 19.74% to 27.74%, depending upon our review of your application, your credit history at account opening, and other factors.”
- Foreign transactions
- Receipt · Foreign transactionsChecked Nov 1, 2026
Issuer's page · luxurycard.com
“Foreign transaction fee: 0%.”
Select an underlined figure to see where it comes from.
In dollars
What it’s worth
Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
| Spending | Value against the fee | First year | After |
|---|---|---|---|
| Light spender | −$700 | −$700 | |
| Typical spender | −$700 | −$700 | |
| Heavy spender | −$700 | −$700 |
The spending each assumes, and what isn’t counted
- Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month
Assumed: not counted: 2x Earn 2X points on airfare booked through LuxuryCardTravel.com.; not counted: 2x Earn 2X points on hotels booked through LuxuryCardTravel.com..
−$700a year
The same in the first year and after.
Rewards and credits$0
−$700 after the fee−$700 annual fee
The spending this assumes
A month: groceries $300, dining $100, gas $100, everything else $500.
−$700a year
The same in the first year and after.
Rewards and credits$0
−$700 after the fee−$700 annual fee
The spending this assumes
A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250.
−$700a year
The same in the first year and after.
Rewards and credits$0
−$700 after the fee−$700 annual fee
The spending this assumes
A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: not counted: 2x Earn 2X points on airfare booked through LuxuryCardTravel.com.; not counted: 2x Earn 2X points on hotels booked through LuxuryCardTravel.com..
Use your own spending
Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards
Against the market
How it compares
- Lower top APR than about 35% of the 651 cards we track.
Other points cards
- JetBlue PremierBarclays+$610 a year
- Mastercard TitaniumLuxury Card+$400 a year
- Chase Sapphire ReserveChase+$275 a year
Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Rewards
How you earn
- 2×
- Earn 2X points on airfare booked through LuxuryCardTravel.com.Earn 2X points on hotels booked through LuxuryCardTravel.com.
Points per dollar.
Benefits
- Annual Airline Credit: $200 annual
- Annual Dining Credit: $100 annual
- Global Entry or TSA PreCheck Application Credit: $120
- Lyft Credit: $5 monthly
- Peacock Subscription Credit: $3 monthly
All 26 benefits
- Up to $120 as reimbursement for a Global Entry or TSA PreCheck application fee.
- Automatic complimentary Priority Pass Select access to over 1,800 airport lounges across 600+ cities and 140+ countries.
- Access includes participating airport restaurants and mini-suites, with unlimited visits for the cardmember and guests.
- Preferred status at qualified restaurants around the world.
- Complimentary benefits averaging $750 per stay at more than 3,000 luxury properties worldwide, which may include daily breakfast for two, room upgrades when available, welcome amenities, resort and dining credits, late check-out, early check-in and complimentary Wi-Fi.
- Luxury Card Travel provides exclusive perks, preferred rates and added amenities for hotels, flights and car rentals booked through its dedicated booking platform.
- Luxury Card Concierge service is available 24/7 for travel planning, dining reservations, gifts and flowers, tickets, tee times, sightseeing and other personal assistance.
- Mastercard ID Theft Protection, including alert notifications, credit-file monitoring, identity-theft resolution assistance and Mastercard Zero Liability Protection.
- Mastercard Special Offers for travel, shopping and other products and services.
- Priceless Golf access to over 1,000 private country clubs across North America, including access to TPC courses and tee times at Pebble Beach Resort.
- Lyft provides a $5 credit after three rides in a month paid with the card, limited to one credit per calendar month; offer valid through January 31, 2027.
- Peacock provides $3 off Peacock Premium or Peacock Premium Plus each month; offer valid through December 31, 2027.
- No foreign transaction fees on international purchases.
- Luxury hotel benefits may include daily breakfast for two, room upgrades at check-in, early check-in and check-out, and resort credits.
- Trip cancellation: Up to $5,000 per insured person
- Trip delay
- Rental car
- Travel accident: Up to $250,000
- Baggage: Up to $100 a day (maximum 3 qualifying days)
- Emergency assistance
- Cell phone
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Nov 1, 2026 Issuer's page · luxurycard.com “Annual Fee is $699.00 ($249 for each Authorized User added to the account).” |
|---|---|
| Purchase APR | Receipt · Purchase APRChecked Nov 1, 2026 Issuer's page · luxurycard.com “For new and outstanding balance transfers after the introductory period and all purchases, the variable APR is 19.74% to 27.74%, depending upon our review of your application, your credit history at account opening, and other factors.” |
| Balance transfer APR | Receipt · Balance transfer APRChecked Nov 1, 2026 Issuer's page · luxurycard.com “0% Introductory APR Balance Transfers 1” |
| Balance transfer fee | Receipt · Balance transfer feeChecked Nov 1, 2026 Issuer's page · luxurycard.com “Balance transfer fee: 5% (min.” |
| Cash advance APR | Receipt · Cash advance APRChecked Nov 1, 2026 Issuer's page · luxurycard.com “The variable APR for cash advances is 29.99%.” |
| Cash advance fee | Receipt · Cash advance feeChecked Nov 1, 2026 Issuer's page · barclaycardus.com “Either $10 or 5% of the amount of each cash advance, whichever is greater.” |
| Late payment | Receipt · Late paymentChecked Nov 1, 2026 Issuer's page · barclaycardus.com “Up to $41 (the amount of the fee varies by state, see below)” |
| Returned payment | Receipt · Returned paymentChecked Nov 1, 2026 Issuer's page · barclaycardus.com “Up to $41 (the amount of the fee varies by state, see below)” |
| Foreign transactions | Receipt · Foreign transactionsChecked Nov 1, 2026 Issuer's page · luxurycard.com “Foreign transaction fee: 0%.” |
| Grace period | Receipt · Grace periodChecked Nov 1, 2026 Issuer's page · barclaycardus.com “Your due date is at least 23 days after the close of each billing cycle.” |
| Minimum interest charge | Receipt · Minimum interest chargeChecked Nov 1, 2026 Issuer's page · luxurycard.com The source states this figure; we have no exact sentence on file yet. |
Before you apply
- What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
- Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
Questions
- What is the annual fee?
- $699 ($249 for each Authorized User added to the account) · luxurycard.com, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- Yes: 0% of each transaction in U.S. dollars.. · luxurycard.com, since Sep 29, 2026
- What is the purchase APR?
- 19.74–27.74% APR · luxurycard.com, since Oct 1, 2026