About Luxury Card
Luxury Card stands out as a key player in the premium credit card market, offering a trio of elite cards whose set of advantage exceeds standard credit cards: the Mastercard Gold Card, Mastercard Black Card, and Mastercard Titanium Card. These cards are designed to redefine the industry by prioritizing innovation, value, and exceptional service. With a commitment to providing rewards, a 24/7 concierge service, and first-class benefits, Luxury Card aims to set a new standard in the realm of premium credit.
Key features
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Priciness. Luxury Card comes with a high annual fee, starting at a minimum of $195, with an additional $95 for each authorized user added. This reflects the exclusivity and premium nature of the cards.
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Metal Construction. One of the standout physical characteristics of Luxury Card is its weighty composition. Crafted from heavy metal, these cards provide a tangible and luxurious feel, setting them apart from standard credit cards.
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Annual Airline Credit. The Luxury Card Mastercard Gold Card offers a substantial $200 annual credit for qualifying air travel purchases, while the Luxury Card Mastercard Black Card provides a $100 annual credit for such expenses. This feature adds considerable value for those who frequently engage in airline-related transactions.
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Concierge Service. All three cards in the Luxury Card lineup grant cardholders exclusive access to the 24/7 Luxury Card Concierge. This concierge service is designed to cater to the diverse needs and preferences of cardholders, offering assistance and support around the clock.
Pros and Cons
Pros
Cons
Reliability
Luxury Card exhibits reliability as it operates under the authority of established entities. The Luxury Card marks are the property of Black Card LLC, and the BLACKCARD is a registered trademark used under license. Moreover, Luxury Card products are issued by Barclays Bank Delaware, operating under a license from Mastercard International Incorporated. This license includes the use of registered trademarks such as Mastercard, World Elite Mastercard, and the circles design.
Products
Mastercard® Gold Card™
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Material and Design. Crafted with opulence in mind, the Mastercard Gold Card stands out by being made with 24K Gold. This unique feature not only adds a touch of luxury but also sets it apart visually.
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Annual Fee. The exclusivity of the Mastercard Gold Card is reflected in its annual fee of $995. Additionally, there is a fee of $295 for each authorized user, emphasizing the premium nature of this credit card.
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Balance Transfer Offer. Cardholders can take advantage of a 0% introductory APR for the first 15 billing cycles on balance transfers made within 45 days of account opening. After this period, the regular APR will be 21.24%, 25.43%, or 28.24%, depending on creditworthiness. It's important to note that there is a fee for balance transfers.
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Airfare and Cash Back Redemptions. The Mastercard Gold Card offers a compelling 2% value for both airfare and eligible purchases cash-back redemptions. Accumulating 50,000 points enables cardholders to redeem a $1,000 ticket with no blackout dates or seat restrictions. Additionally, cash back can be deposited directly into a US bank account or applied as a statement credit, with no minimum threshold requirement for redemptions.
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24/7 Luxury Card Concierge. This card provides exclusive access to the 24/7 Luxury Card Concierge, offering around-the-clock assistance for tasks big and small. This service is designed to save cardholders time and enhance their overall experience.
Mastercard® Black Card™
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Black-PVD-Coated Metal Card. The Mastercard Black Card is distinguished by its black PVD-coated metal construction, emphasizing a sleek and sophisticated design for frequent shoppers, big ticket purchases and everything in between.
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Annual Fee. The exclusivity of the Mastercard Black Card comes with a $495 annual fee, and an additional $195 fee for each authorized user, reinforcing the premium nature of this credit card.
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Balance Transfer Offer. Cardholders can benefit from a 0% introductory APR for the first 15 billing cycles on balance transfers made within 45 days of account opening. Following this period, the regular APR will be 21.24%, 25.43%, or 28.24%, based on creditworthiness. It's important to note that there is a fee for balance transfers.
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Airfare and Cash Back Redemptions. The Mastercard Black Card offers a compelling 2% value for airfare redemption and a 1.5% value for cash-back redemption. Accumulating 50,000 points allows cardholders to redeem a $1,000 ticket with no blackout dates or seat restrictions. Cash-back can be directly deposited into a US bank account or applied as a statement credit, with no minimum threshold requirement for redemptions.
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24/7 Luxury Card Concierge. This card provides exclusive access to the 24/7 Luxury Card Concierge, offering around-the-clock assistance for tasks big and small, enhancing the overall cardholder experience.
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Global Entry and TSA Pre✓ Benefits. Mastercard Black Card members receive an automatic $100 statement credit for the Global Entry application fee. This feature enables expedited arrival into the United States from international destinations, with eligibility for TSA Pre✓, providing expedited domestic security screening at participating US airports.
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Annual Air Travel Credit. Cardholders enjoy up to $100 in annual air travel credit towards flight-related purchases, including airline tickets, baggage fees, upgrades, and more. The credit is automatically applied when airline purchases are made with the Mastercard Black Card.
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Priority Pass Select. With the Mastercard Black Card, members have complimentary access to over 1,300 airport lounges, mini-suites, and airport restaurants globally through Priority Pass Select with no guest or lounge limits. This access extends to unlimited visits for both the cardholder and their guests.
Mastercard® Titanium Card™
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Brushed Metal Card Design. The Mastercard Titanium Card stands out with its brushed metal card design, delivering a sophisticated and contemporary aesthetic.
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Annual Fee. This premium card comes with a $195 annual fee, and an additional $95 fee for each authorized user, emphasizing its exclusivity and high-end nature.
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Balance Transfer Offer. Cardholders can take advantage of a 0% introductory APR for the first 15 billing cycles on balance transfers made within 45 days of account opening. Following this period, the regular APR will be 21.24%, 25.43%, or 28.24%, based on creditworthiness. It's important to note that there is a fee for balance transfers.
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Airfare and Cash Back Redemptions. The Mastercard Titanium Card offers a compelling 2% value for airfare redemptions and a 1% value for cash-back redemptions. Accumulating 50,000 points enables cardholders to redeem a $1,000 ticket with no blackout dates or seat restrictions. Additionally, cash back can be directly deposited into a US bank account or applied as a statement credit, with no minimum threshold requirement for redemptions.
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24/7 Luxury Card Concierge. This card provides exclusive access to the 24/7 Luxury Card Concierge, offering around-the-clock assistance for tasks big and small, enhancing the overall cardholder experience.
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Luxury Card Travel. The Mastercard Titanium Card includes access to the Luxury Card Travel program, offering a value of $500 per stay at over 3,000 global properties. This exclusive suite of benefits and services enhances the travel experience for cardholders.
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Members-only LUXURY MAGAZINE. Cardholders gain access to the Members-only LUXURY MAGAZINE, providing insights into luxury lifestyle, travel destinations, and exclusive offers.
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Conditions and Requirements
Conditions
Annual Fees
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Mastercard Gold Card. $995 Annual Fee, $295 for each Authorized User.
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Mastercard Black Card. $495 Annual Fee, $195 for each Authorized User.
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Mastercard Titanium Card. $195 Annual Fee, $95 for each Authorized User.
Balance Transfer Offer
All three cards offer a 0% introductory APR for the first 15 billing cycles on balance transfers made within 45 days of account opening. After this period, the regular APR will be 21.24%, 25.43%, or 28.24%, depending on creditworthiness. Note that a balance transfer fee and foreign transaction fee may apply.
Airfare Redemptions
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Mastercard Gold Card. 2% value for airfare redemptions. 50,000 points can get you a $1,000 ticket with no blackout dates and airline or seat restrictions.
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Mastercard Black Card. 2% value for airfare redemptions. 50,000 points for a $1,000 ticket with no blackout dates and airline or seat restrictions.
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Mastercard Titanium Card. 2% value for airfare redemptions. 50,000 points for a $1,000 ticket with no blackout dates and airline or seat restrictions.
Cash Back Redemptions
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Mastercard Gold Card. 2% value for cash-back redemptions.
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Mastercard Black Card. 1.5% value for cash-back redemptions.
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Mastercard Titanium Card. 1% value for cash-back redemptions. Cash back can be deposited into a US bank account or applied as a statement credit, with no minimum threshold requirement.
Requirements
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Good Credit Score (700+). Luxury Card generally requires applicants to have a good credit score of 700 or above. This demonstrates a strong credit history and financial responsibility.
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U.S. Residency. Applicants must be U.S. residents to be eligible for Luxury Card credit cards. This requirement ensures that the cardholder is subject to U.S. financial regulations.
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Age Requirement. Applicants must be at least 18 years old to apply for Luxury Card credit cards. This is the legal age for entering into financial agreements.
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Sufficient Income. Individuals applying for Luxury Card cards should have enough income to afford the card's annual fee and meet monthly bill payments. The specific income requirements may vary depending on the card and its associated fees.
Network of ATMs
Luxury Card credit cards, like those issued by Mastercard, generally work with a wide network of ATMs worldwide. Mastercard is widely accepted, and you should be able to use your Luxury Card at most ATMs that accept Mastercard. Luxury Card, being a Mastercard product, can be used at ATMs that accept Mastercard globally. This includes a vast network of ATMs in the United States and abroad.
Alternatives to Luxury Card
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American Express Centurion Card. Known as the "Black Card," the Centurion Card from American Express is an exclusive and invitation-only credit card offering a range of premium benefits, personalized services, and high spending limits. It is renowned for its luxury perks and elite status.
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The Platinum Card from American Express. This card is another premium offering from American Express, providing travel-centric benefits such as airport lounge access, hotel status, and generous rewards. While not as exclusive as the Centurion Card, it offers a high level of luxury perks.
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Chase Sapphire Reserve. Chase Sapphire Reserve is a premium travel credit card offering competitive rewards, travel benefits, and a substantial annual travel credit. It appeals to frequent travelers with features like Priority Pass lounge access and strong travel redemption options.
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Capital One Venture X Rewards Credit Card. Capital One Venture X is a travel rewards card with a focus on simplicity and flexibility. It offers a range of travel benefits, including Global Entry or TSA PreCheck fee credit, airline transfer partners, and no foreign transaction fees.
Editorial opinion
Important
Methodology
At Finanso, we've carried out a comprehensive analysis of over 50 neo banks, assessing them based on 35 different parameters across six key categories: accessibility of loans, customer relations, quality of service, interest rates, and transparency of conditions.
In each category, we carefully considered the most critical factors in selecting a neo bank. These factors include the interest rates, available loan amounts, minimum credit score, minimum income, application fees, and the speed at which funds are transferred.
At Finanso, we highly value our users, which is why we also focus on the quality of customer service, user reviews, and additional features that can aid our users in making a well-informed decision.
Our ultimate goal is to provide insightful recommendations and expert advice to assist you in selecting a lender that best caters to your specific needs.
Additional Resources
- Full Luxury Card Account Review
- Luxury Card Mobile App
- Luxury Card Reviews
