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Luxury Credit cards for february 2024

Apply for a Luxury Credit card. On 27.02.2024 you have access to 3 credit cards. Increase your chances of getting money — fill out a multi-application with a free credit rating check.
Offers: 3
Updated:
29.12.2022
11:21
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

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Submit your credit card application online
Submit your credit card application online

Take advantage of our credit card selection system with a free credit check!

Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000

Credit Card Online Application of February 2024

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CreditFresh
4.8
The application process was a breeze, and I received a response within minutes. This straightforward and prompt procedure proved to be a great help to me during a crucial time of need.
Review
JG Wentworth
4.6
The assistance I received was exceptional. My representative handled my case with care and provided all the necessary information...
Review
OneMain Financial
4.4
The loan application process was straightforward, and the representative I interacted with displayed patience, provided informative answers, and was quite pleasant throughout...
Review
My Funding Choices
4.6
The process was swift and straightforward, which was particularly helpful during a time when, despite my reluctance to seek assistance, I genuinely needed help.
Review
Plain Green Loans
2
The interest rate is shockingly high, and it feels like taking advantage of individuals facing financial challenges when unexpected expenses arise...
Review
Advance America
4.6
I have never encountered any issues with this company. They consistently deliver funds on time, and the repayment process is straightforward...
Review

Types of credit cards

There are three main card offers: Gold, Black, and Titanium cards. Regular APR for them is 18,74% variable. As for transfers, there is a 0% introductory APR for the first 15 billing cycles that follow each balance transfer that posts to the client's account within 45 days of account opening. The annual fee varies depending on the type of card.

Mastercard Gold Card

The 24K-Gold-Plated card offers a 2% value for airfare redemptions and 2% for cashback redemption.

The Gold Card implies providing clients with a concierge specialist that can help them resolve any complicated situation and choose better financial services.

The Luxury Card Travel program provides competitive rates and some benefits at over 3,000 properties. Card members receive an average value of $5,002 in benefits and services per stay. They include complimentary food and beverages, room upgrades, resort or spa credits, and welcome amenities.

  • Card benefits include a $200 annual airline credit on some airline purchases.
  • Global Entry Application Fee is $100. However, Credit Mastercard Gold Card members receive a one-hundred-dollar statement credit for the cost of this fee.

The company allows clients to enjoy access to over 1,300 lounges in over 500 cities worldwide. Card members also receive luxury gifts from some of the world's shops. The annual fee makes up $995 and $295 for each additional user.

Mastercard Black Card

    • Black Card LCC has a 2% value for airfare rewards and 1.5% for cashback redemptions.
    • Luxury Card Benefits include a $100 annual airline credit for airline purchases.
    • The card has a $100 application fee. Take into account that credit card members also receive a one-hundred-dollar statement credit for the cost of this fee. 

    Furthermore, card members will receive luxury gifts from some of the world's most iconic and recognized brand names. After being approved for this card, you will be enrolled in Priority Pass Select with access to over 1,300 airport lounges worldwide, with no guest limit. 

    The card also provides luxury card travel benefits such as an average value of $500 per stay, resort credits, free Wi-Fi, and many other perks at over 3,000 properties. The annual fee is $495 and $195 for each additional user.

    Mastercard Titanium Card

    Mastercard Titanium Card includes a patented metal card construction and brushed stainless steel card.

    • Luxury Card rewards include a 2% Value for airfare redemptions and a 1% value for cash back redemptions annual fee is $195 and $95 for each additional user.

    Also, clients will have a 24/7 Luxury Card Concierge option that can be available by phone, email, and live mobile chat to answer any questions and resolve any challenging situation.

    The card also provides Luxury Card Travel benefits of an average value of $500 per stay at over 3,000 properties.

    Clients can also get cell phone protection for claims of up to $1,000 each year and some additional benefits.

    Pros and cons

    Pros 

    • All three cards offer 24/7 access to the Luxury Card Concierge. That means that this service assists clients with planning a special event, arranging the delivery, and many other useful things. Moreover, Luxury Card Concierge is available by phone, email, and live mobile chat.

    • As the Luxury Card official site states, with all the cards, clients can have a professional representative meet and escort them through the airport process in an expedited fashion.

    • Credit for Global Entry or TSA Precheck application fee will allow you to get through airport security and customs much faster than with other cards on the credit card market. 

    • Priority Pass Select membership. That option will allow you to get into airport lounges around the world.

    • Clients can use a card with no foreign transaction fees on international purchases.

    • Moreover, the Luxury Card automatically applies the credit to the customer's account.

    •  Globally accepted at 8 million domestic retailers and is used at networks in more than 210 countries and territories.  

    • Free fraudulent protection. Customers will only pay for purchases that have been authorized with your Luxury Card.

    Cons

    • The cards are rather pricey. For instance, the cost of the Luxury Card Mastercard Titanium Card is $95, $195 for the Luxury Card Mastercard Black Card, and $295 for the Luxury Card Mastercard Gold Card. Note that a high annual fee on a credit card is not necessarily a disadvantage, as clients can get more value out of the card in rewards and benefits.

    • Many card options are available only on Black and Gold cards but not on Titanium. For example, Priority Pass Select membership or Credit for Global Entry or TSA Precheck application fee.

    • Not every customer with an average income or poor credit will be able to qualify for a card, as to get a Luxury Mastercard, clients will need to have good or excellent credit. That means that you should have a credit score of at least 720 to be able to apply for a card.

    • All three cards have high APR rates of around 18-19%. So, not every credit card member will be able to pay that amount.

    How to use the cards

    Customers can redeem their rewards in several ways. They include cash back, airfare rewards, gift cards, hotel or car rental certificates, and merchandise shopping.

    For example, gift cards allow card members to redeem points for gift cards at a 1% rate which may be changed at any time. Hotel and car rental certificates have the same terms and rules as gift cards. As for cashback redemption, you can get a statement credit in increments of 66 points. However, you can't use cashback with other rewards. As it goes for airfare redemptions, you can redeem the points for a scheduled, nonrefundable ticket. To be able to use this option, you must book the air travel through Luxury Card Travel. Take into account that available redemptions start at 50 points and are divided into 50-point increments.

    There is also a merchandise shopping option. With this program, you can redeem your points for merchandise delivered by using mail. However, take into account that you won't be able to get an extended warranty and purchase protection. 

    Clients can redeem their points online anytime at the official Luxury Card webpage. You can also call the Rewards Service Center at 844-724-2500 between 7:00 a.m. and 9:00 p.m. from Monday to Friday and between 9:00 a.m. and 9:00 p.m. from Saturday to Sunday, Eastern Time to redeem your points.

    Note that you will have points on the card as long as your account is open and in good standing. At the same time, you cannot earn or redeem points when you are late with a payment or the account is delinquent. You may forfeit your points if your account becomes delinquent or goes into default, if you or the bank decides to close the account or if you engage in any kind of fraudulent activity. 

    How to pay back

    Clients can pay back using various repayment options. They include online, in-store, in-app, or wearable options. The most common way of paying is through the app. For that, find on the main page of the app icon Payment, fill out the necessary amount and then proceed with further instructions. Anyway, a Luxury Card states that it checks the security of all transactions. That means that clients can purchase any card, as the company will keep all personal information safe.

    FAQ

    What is the highest-limit credit card you can get?

    Take into account that the Luxury Card Mastercard Gold Card allows clients to get the highest credit limit as it is a part of the World Elite Mastercard collection. It gives a minimum credit limit of $5,000 up to a $10,000 maximum limit. Though even much higher limits may be available if clients have a high income. For instance, there are some World Elite Mastercards with credit limits of up to $100,000.

    Is a Black card free money?

    The Black Card has a hefty $10,000 initiation fee and a $5,000 annual fee and offers many travel perks. The Platinum Card has a $695 annual fee with many travel-related perks. Moreover, cardholders can earn points for every dollar that has been spent.

    What is the highest color of the card?

    Black is the highest color of the card.

    What is the credit card limit for a $50,000 salary?

    The minimum credit limit on a Mastercard Black card is $5,000. However, your credit limit can be even higher as that mostly depends on your creditworthiness.