Best Black Credit Cards of November 2022

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Best Credit Cards for Black in November 2022

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Citi Premier® best for Travel

Premier® Citi
Annual fee:
$95 annually
Regular APR:
19.74% - 27.74% Variable
Our Rating:
3.94
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 3x Points per dollar on restaurant, supermarket, gas station, hotel and air travel purchases.
    • 1x Points on all other purchases.
  • Intro Offer:
    • 80,000x Bonus Points after spending $4,000 in purchases with your card within the first 3 months of account opening. Redeemable for $800 in gift cards.
  • Balance Transfer APR:
    19.74% - 27.74% Variable
  • Issuer name:
    Citi
  • Details:

    The Citi Premier® Credit Card gives you a bonus of 80,000 ThankYou points if you spend $4,000 on your card within three months of account opening.

    The Citi Premier® Card's APR: 19.74% - 27.74% (Variable). The APR for Cash Advances: 28.99% (Variable). The card's Penalty APR is 29.99%.

    For a $95 annual fee, the Citi Premier® card has a strong value proposition for those with large amounts of spending across a wide variety of categories. The Citi Premier card earns 3x points per dollar at restaurants, supermarkets, gas stations, air travel and hotels; 1x points on all other purchases.

    Once each calendar year, you get $100 off of a single $500+ hotel stay that you book through thankyou.com.

    You’ll have access to Citi Identity Theft Solutions, which offers personalized assistance when you’re a victim of identity theft. This service will help keep an eye on your TransUnion credit report and advise you on how to proceed if your information has been compromised.

  • Pros:
    • Earn Reward Points
    • No foreign transaction fees
    • Bonus offer on sign-up
    • World Elite Mastercard benefits
  • Cons:
    • $95 annual fee
    • High APR
  • Benefits:
    • 80,000 Bonus Points;
    • 3x points on restaurant, supermarket, gas station, hotel and air travel purchases;
    • 1x points on all other purchases;
    • World Elite Mastercard perks;
    • Gift Cards;
    • Shop with Points;
    • Additional Cards;
    • Digital Wallets;
    • Citi Entertainment;
    • $100 Annual Hotel Savings Benefit;
    • Points Transfer.

Card detail

Citi AAdvantage® Executive World Elite Mastercard® best for Young couples

AAdvantage® Executive World Elite Mastercard® Citi
Annual fee:
$450 annually
Regular APR:
19.74% - 28.74% Variable
Our Rating:
3.56
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 2x Miles for every $1 spent on eligible American Airlines purchases.
    • 1x Mile for every $1 spent on all other purchases.
  • Intro Offer:
    • 80,000x Bonus miles after making $5,500 in purchases within the first 3 months of account opening.
  • Balance Transfer APR:
    19.74% - 28.74% Variable
  • Issuer name:
    Citi
  • Details:

    The Citi® / AAdvantage® Executive World Elite Mastercard® offers 80,000 American Airlines AAdvantage® bonus miles after making $5,500 in purchases within the first 3 months of account opening.

    With the Citi® / AAdvantage® Executive World Elite Mastercard®, you can earn 2x AAdvantage® miles on eligible American Airlines purchases, 1x AAdvantage® mile on all other purchases.

    The card's APR is 19.74% - 28.74% (Variable), 29.99% (Penalty APR).

    Each cardmember year, earn a $145 statement credit when you have a qualifying Citigold account, are billed a $450 Annual Fee, and remain a cardmember.

    Enjoy Admirals Club® Membership, including access to nearly 50 lounge locations worldwide.

    Use your miles for award travel to over 1,000 destinations worldwide, with flexible redemption options for one-way or round trip awards on American Airlines.

  • Pros:
    • Admirals Club membership
    • Sign up bonus
    • No foreign transaction fees
  • Cons:
    • Relatively high APR
    • No bonus categories
    • $450 annual fee
  • Benefits:
    • 80,000x American Airlines AAdvantage® bonus miles;
    • 2x AAdvantage® miles on eligible American Airlines purchases;
    • 1x AAdvantage® mile on other purchases;
    • $0 Liability;
    • Admirals Club® membership;
    • Banking Relationship Annual Credit;
    • Digital Wallets;
    • First Check Bag Free;
    • Enhanced Airport Experience;
    • Global Entry or TSA PreCheck® Statement Credit;
    • 25% Savings on Inflight Food and Beverage;
    • Dedicated Concierge;
    • Citi Entertainment®.
Card detail
Mastercard® Black Card™ Barclays Bank Delaware
Annual fee:
$495 annually ($195 for each Authorized User added to the account)
Regular APR:
17.24% Variable
Our Rating:
2.83
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 1x Point on all purchases.
  • Balance Transfer APR:
    17.24% Variable
  • Issuer name:
    Barclays Bank Delaware
  • Details:

    The Mastercard® Black Card comes with a $495 annual fee ($195 for each Authorized User added to the account). The card earns 1 point per dollar spent on all purchases.

    The Mastercard® Black Card offers a 0% Intro APR on balance transfers for 15 months (17.24% thereafter).

    The Mastercard® Black Card comes with travel and protection benefits.

  • Pros:
    • No Foreign Transaction Fee
    • 0% APR for balance transfers
    • Exceptional Travel Perks
  • Cons:
    • Annual Fee
    • No sign-up bonus
  • Benefits:
    • 2% Value for Airfare Redemptions;
    • 1.5% Value for Cash Back Redemptions;
    • 1x point on all purchases;
    • $0 Fraud Liability Protection;
    • Luxury Card Concierge®;
    • Luxury Card App;
    • VIP Airport Lounge Access;
    • Luxury Card EXPERIENCES®;
    • Airport Meet & Assist;
    • Annual Airline Credit;
    • Cellular Telephone Protection;
    • Global Acceptance;
    • Mastercard ID Theft Protection™;
    • MasterRental Coverage;
    • Trip Cancellation and Interruption;
    • Travel Accident and Baggage Delay.
Card detail
RBC Bank Visa Signature® Black
Annual fee:
$0
Regular APR:
15.49% - 22.24% Variable
Our Rating:
3.61
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 1x RBC Rewards point for every $1 spent on your card.
  • Purchase Intro APR:
    0% Introductory APR for 6 months
  • Balance Transfer APR:
    15.49% - 22.24% Variable
  • Issuer name:
    RBC Bank
  • Details:

    The RBC Bank Visa Signature® Black Credit Card earns 1x RBC Rewards point for every $1 spent on your card.

    The Visa Signature® Black Card doesn't charge an annual fee.

    The Card has a 0% introductory APR period for 6 months on purchases. After that, the variable APR is 15.49% - 22.24%.

  • Pros:
    • No Annual Fee
    • Intro APR period on purchases
  • Cons:
    • Foreign Transaction Fee
    • No Intro APR period on balance transfers
  • Benefits:
    • 1 RBC Rewards point for every $1 spent on your card;
    • Premier Benefits From Visa;
    • Zero Liability;
    • No U.S. Credit Score or Address Required;
    • Trip cancellation or interruption insurance;
    • Travel accident insurance;
    • Lost luggage reimbursement;
    • Auto rental collision damage waiver;
    • Cell phone insurance;
    • Roadside assistance;
    • Emergency card replacement and disbursement;
    • Emergency cash and card replacement.
Card detail
RBC Bank Visa Signature® Black Plus
Annual fee:
$75 annually
Regular APR:
15.49% - 22.24% Variable
Our Rating:
3.42
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 1.5x RBC Rewards point for every $1 spent on your card.
  • Purchase Intro APR:
    0% Introductory APR for 6 months
  • Balance Transfer APR:
    15.49% - 22.24% Variable
  • Issuer name:
    RBC Bank
  • Details:

    The RBC Bank Visa Signature® Black Plus Credit Card earns 1.5 RBC Rewards point for every $1 spent on your card.

    The Visa Signature® Black Plus doesn't charge an annual fee.

    The Card has a 0% introductory APR period for 6 months on purchases and balance transfers. After that, the variable APR is 15.49% - 22.24%.

  • Pros:
    • Intro APR period
  • Cons:
    • Annual Fee
    • Foreign Transaction Fee
  • Benefits:
    • 1.5 RBC Rewards point for every $1 spent on your card;
    • Trip cancellation or interruption insurance;
    • Travel accident insurance;
    • Lost luggage reimbursement;
    • Auto rental collision damage waiver;
    • Cell phone insurance.
Card detail