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If you’re a Luxury Cards enthusiast who enjoys premium travel benefits and high-profile products, then this Luxury Black card review was made for you.

The Luxury Black can be considered the middle child of all Luxury’s cards. It doesn’t charge an annual fee as hefty as the Gold option. It’s also not as accessible as the Platinum alternative. However, are the perks included in the Black card worth its annual $495 charge?

Below, we’ll look over everything this product offers its cardholders, including its main features, benefits, and drawbacks. That way, you can decide if the Luxury Black is the right credit card for you. Want to see more? Keep reading!

Issued by Barclays Bank Delaware, the Luxury Black card has a Mastercard Signature and is widely accepted worldwide. It’s constructed on a PVD-coated stainless steel front and, like all other Luxury Cards, weighs impressive 22 grams. 

This product’s annual fee is $495, with an additional $195 for each added user. Which is pretty steep if you can’t maximize your earnings. However, the annual rate is countered by a 0% intro APR for 15 billing cycles on balance transfers made within the first 45 days of card membership.

The Luxury Black provides some interesting perks for those looking for travel-related benefits. You get 2% value cash back for airfare redemptions in every purchase you make. There is also a 24/7 concierge service, a $100 annual airline credit, and generous rewards with the Luxury Card Travel program. 

Luxury Black even offers bonus points for everyday use, like 1.5% cash back value per dollar spent. You can redeem your points in statement credits or even money deposited directly into your bank account. 

The Luxury Black card was made for big spenders. It offers no welcome bonus, and its annual fee is only worth it if you use the card on every purchase you make to maximize its rewards points.

It provides exciting perks for frequent travelers who enjoy prime-rate services everywhere they go. If you only look at that front, the rates this card charges are on par with every other premium travel-related card out there. But if you’re just an occasional jet-setter, you might want to look elsewhere. 

See the benefits and drawbacks below in our Luxury Black card review.   

Pretty much every credit card in the market with travel-related perks as their primary benefit requires a credit score between Good and Excellent for new applicants. The Luxury Black card is no different. Your FICO score should be anywhere between 690 and 850 to make you eligible for this product. 

The Luxury Black card is a premium rate product with an international Mastercard signature. Issued by Barclays Bank, its construction is of a black-PVD-coated front, and the card weights approximately 22 grams, which is almost as heavy as its $495 annual fee. 

The many travel-related perks this card has to offer for frequent jet-setters might make the annual fee worth it. With it, you get access to thousands of airport lounges worldwide. Not to mention a $100 yearly traveling credit, 24/7 Luxury Concierge Services, and exclusive Luxury Travel Card benefits. 

There is a 1.5% cash back value in every purchase and a 2% value for airline tickets. The Luxury Black also provides a 0% intro APR for 15 months on card balances made within the first 45 days of card membership. 

So, if you think this card has what it takes to fit in your wallet, keep reading to learn the easy step-by-step online application. 

For an online application, you need to access the Luxury Cards website and scroll until you see the Mastercard Black option. By clicking the “apply now” button, a new page should show you all the Luxury Black card’s benefits. 

Luxury then requires you to fill in the online form with your personal information as well as your financial records and employment situation. After providing the company with your contact info and security data, you’ll need to read and agree to their terms and conditions. 

Click on the “apply” button to send the form you just filled out and wait for Luxury to contact you through your registered e-mail. Luxury will contact you with details about the new product you just acquired if you get approved. 

Luxury’s exclusive app is a fantastic way to manage your expenses and everything about the Luxury Black card. However, all applications must go through their website to request a new credit card. 

If you think the Luxury Black card is not what you’re looking for, no problem! In that case, how about Luxury’s Titanium option? It has a lower annual fee with the same travel benefits and VIP treatment that will make you feel like royalty.

See the comparison below for both cards’ main features and follow the recommended link for the Luxury Titanium application process!