Mastercard® Black Card™ from Barclays Bank Delaware Review

All benefits

• Points
  • 1x 1 point for every one dollar ($1) you spend.
• Travel
  • Luxury Card Concierge®:
  • Available 24/7, Luxury Card Concierge can assist you with travel bookings, various personal requests and much more. Offering around-the-clock service tailored to each Cardmember’s specific needs, Luxury Card Concierge provides a complete lifestyle management tool to ensure you save time and enjoy exceptional service. The Concierge service is available to every Mastercard® Black Card™ member with no hidden fees.
  • Hotel & Travel:
  • Designed exclusively for Cardmembers, the Luxury Card Travel program offers a comprehensive suite of travel services to make your personal and business travels more efficient and more comfortable. Featuring over 3,000 properties and trusted hotel brands around the globe, the options are endless.
  • Luxury Card App:
  • The Luxury Card App puts everything you need into one convenient platform — your mobile device. With just a few clicks you’ll find hotel partners, travel services and many member perks. The app also offers 24/7 live chat with a Concierge agent who can access itineraries and Cardmember profiles to fulfill any request — available 24/7 with no hidden booking fees.
  • No Foreign Transaction Fees:
  • Enjoy greater freedom with no foreign transaction fees on international purchases.
  • VIP Airport Lounge Access with Priority Pass™ Select:
  • Enjoy complimentary lounges wherever your travel takes you. With over 1,300 airport experiences in over 500 cities around the world you can enjoy pre-flight food and beverages, connect to Wi-Fi and relax in a quiet space, perfect for business and vacations.
  • It Pays To Be a Member:
  • Each year, Luxury Card Travel offers you an average value of $500 in travel benefits and services per stay. Amenities and services may include resort or spa credits, complimentary food and beverages, room upgrades and welcome perks. You can also receive up to $200 in annual airline credits toward flight-related purchases including airline tickets, baggage fees and upgrades. Likewise, receive a $100 automatic statement credit for the cost of the Global Entry and TSA Pre✓® application fee, granting you expedited entry into the United States and other time-saving benefits.
  • Off the Beaten Path:
  • Driven by curiosity with a desire to explore new and unchartered territories, Luxury Card’s Off the Beaten Path itineraries offer authentic, transformative experiences that immerse you in the local vibe, culture and scenery.
  • Airport Meet & Assist:
  • Save time, avoid hectic crowds and remove the inconvenience of airport procedures by having a professional representative meet and escort you through the airport process in an expedited fashion.
  • Cellular Telephone Protection:
  • Simply pay for your mobile phone bill with your Luxury Card to activate coverage for eligible damage or theft claims. Your Luxury Card comes with yearly coverage should your phone need certain repairs or is stolen.
  • Global Acceptance:
  • For your convenience, Luxury Card is accepted at 8 million domestic retailers and is part of an operating network in more than 210 countries and territories.
  • Mastercard ID Theft Protection™:
  • Have peace of mind with access to a number of identity theft resolution services. Provides 24 hours a day, 7 days a week assistance with replacement of your card and notifying the credit agencies should you become the victim of identity theft.
  • MasterRental Coverage:
  • Provides secondary coverage for damages to an eligible rental vehicle when you pay for the entire rental transaction using your card and decline the coverage offered by the rental agency.
  • Trip Cancellation and Interruption:
  • You can be reimbursed for the cost of the non-refundable, round-trip expenses up to $5,000 per insured person if certain covered accidental events cause you to cancel or interrupt your trip for a covered reason.
  • Travel Accident and Baggage Delay:
  • You may be eligible for reimbursement of covered items up to $100 a day (maximum three qualifying days) for eligible baggage delays of more than four hours from the time you arrive at the travel destination (arrival at your primary residence is excluded). Additionally, in the event of an unfortunate travel accident, you will receive up to $250,000 coverage for eligible common carrier accidental death and dismemberment at no additional cost when you charge your entire travel fare to your eligible Luxury Card for a covered trip.
  • Travel Assistance:
  • Designed to assist you or your travel companions when you're traveling 50 miles or more from home. Service is available 24 hours a day, 365 days a year, and provides Master Trip Travel Assistance, Medical Assistance and Master Legal Referral Service.
  • Mastercard Global Service:
  • Experience 24/7 customer service assistance with Lost and Stolen Card reporting, Emergency Card Replacement and Emergency Cash Advance.

Rate and fee information

• Purchase Intro APR
  • None
• Purchase APR
  • 21.24% - 28.24% Variable
• Intro Balance Transfer APR
  • 0% Introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening
• Balance Transfers APR
  • 21.24% - 28.24% Variable
• APR for Cash Advances
  • 29.99% Variable
• How to Avoid Paying Interest
  • Your due date is at least 23 days after the close of each billing cycle. You will not be charged interest on purchases if you pay your entire balance by the due date each month.

Fees

Pros & Cons

Features

• No foreign transaction fees
• Payment Flexibility
• Fraud Protection
• Rewards
• Bonus points
• Purchase Protection
• Extended Warranty Protection
• Travel
• Airline
• Baggage Delay Insurance
• Trip Cancellation
• Auto Rental Insurance
• 24/7 Travel Assistant
• Airport Lounge Access
• Good Credit
• Excellent Credit