For $195 a year, you can access the Luxury Card suite of features, including Luxury Card Concierge, Airport Meet Assist, Global Luggage Delivery and Mastercard Priceless experiences.
Rewards. 1x points on every purchase, worth 2% when redeemed for airfare and 1% when redeemed for cashback.
Intro APR. 0% intro APR for 15 billing cycles on balance transfers following your account opening, and 14.99% variable after that.
Luxury Card perks. Contact Concierge 24/7, access Airport Meet Assist, chauffeured transportation, cruise amenities, charter services, Global Luggage Delivery, wireless connectivity, car rental benefits and no foreign transaction fees.
Annual Fee
$195
Purchase APR
14.99% variable
Balance transfer APR
0% intro for the first 15 billing cycles (then 14.99% variable)
Welcome offer
N/A
Rewards
1x points on all purchases with 2% point value when you redeem for airfare and 1% for cash back
Best for access to travel credits and airport lounges Luxury Card Mastercard® Black Card™
The Luxury Card Mastercard® Black Card™ is the mid-tier Luxury Card. It offers travel credits, a credit for your Global Entry or TSA PreCheck application and a superior cashback redemption rate than the Luxury Card Mastercard® Titanium Card™.
Rewards. 1x points on every purchase, worth a value of 2% when redeemed for airfare and 1.5% for cashback.
Intro APR. 0% intro APR for 15 billing cycles following your account opening on balance transfers, and a variable APR of 14.99% after that.
Travel credits and airport lounge access. Annual $100 airline fee credit. Once every five years, $100 fee credit for Global Entry or TSA PreCheck application. Access more than 1,000 lounges with Priority Pass Select.
Luxury Card perks. Contact Concierge 24/7, receive exclusive items through the Luxury Gift Program, enjoy Airport Meet Assist, chauffeured transportation, Global Luggage Delivery and more.
Annual Fee
$495
Purchase APR
14.99% variable
Balance transfer APR
0% intro for the first 15 billing cycles (then 14.99% variable)
Welcome offer
N/A
Rewards
1x points on all purchases with 2% point value when you redeem for airfare and 1.5% for cash back
Best for redemption value and travel credits Luxury Card Mastercard® Gold Card™
The Luxury Card Mastercard® Gold Card™ has a steep price tag. Consider it if you want accelerated rewards redemption value for both airfare and cash back. You'll also find an airline credit that's more valuable than the one you'll find with the Luxury Card Mastercard® Gold Card™.
Rewards. 1x points on every purchase, worth a value of 2% when redeemed for airfare or cash back.
Travel credits and airport lounge access. Annual $200 airline fee credit. Once every five years, $100 fee credit for Global Entry or TSA PreCheck application. Access more than 1,000 airport lounges through Priority Pass Select.
Intro APR. 0% intro APR for 15 billing cycles following your account opening on balance transfers, and 14.99% variable after that.
Luxury Card perks. Contact Concierge 24/7, receive exclusive items through the Luxury Gift Program, enjoy Airport Meet Assist, chauffeured transportation, Global Luggage Delivery and more.
Annual Fee
$995
Purchase APR
14.99% variable
Balance transfer APR
0% intro for the first 15 billing cycles (then 14.99% variable)
Welcome offer
N/A
Rewards
1x points on all purchases with 2% point value when you redeem for airfare or cash back
How we selected our best cards
We analyzed all three Luxury Card products and categorized them by where they brought the most value. To that end, we considered factors such as premium travel features, travel credits, airport lounge access, reward rates and redemption rates.
A resident of the US. Residents of Puerto Rico and US territories are not eligible.
Required information
General information. Your full name, address, time at your address and residence status.
Employment and financial information. Your occupation and total annual gross income.
Contact information. Your primary phone number, email address and citizenship status.
Security information. Your date of birth, Social Security number and mother’s maiden name.
What credit score do I need?
You’ll have a better chance of approval with an excellent credit score of 720 or higher.
When will I receive my card?
After you submit your application, you’ll likely receive an immediate decision. If you’re approved, expect your card in the mail within seven to 10 days.
Typical card features and benefits of a Luxury Card product
Intro APR for balance transfers. You don’t often find balance transfer intro APRs for premium cards. But all three Luxury Mastercard credit cards offer a long 0% intro APR period.
Higher redemption rate for airfare. Though you’ll earn just 1x points on every purchase, you’ll receive a 2% redemption rate when you redeem your points for airfare.
Luxury Card Concierge. This 24/7 service can take care of important requests like securing dinner reservations and making travel plans. Even in situations like the toilet paper shortage during the coronavirus pandemic, the Luxury Card Concierge found toilet paper more efficiently than competitor premium cards.
Luxury Card travel benefits. You’ll get access to luxury benefits like Airport Meet & Greet and Global Luggage Delivery. You also get hotel, airline and cruise credits for select brands. If fully utilized, these perks alone are worth several thousand dollars.
Travel credits and airport lounge access. You’ll find these with the mid- and top-tier options, and they can help offset each card’s annual fee.
Mastercard benefits. Perks like price protection and travel insurance are often overlooked, but they can give you peace of mind and save you money. Each Luxury Card product offers extensive features here.
Which concierge service pulls ahead? We ran the tests
Finder recently pitted the major card concierge services against one another in a head-to-head test of which sercice could deliver fastest. We asked the Luxury Card, Visa and Amex concierge services to find us four products: toilet paper, yeast, kettlebells and condoms. Click on the links to read about the methods, time spans and results.
In short, the Luxury Card concierge service regularly provided service that was faster and more convenient than the competition.
Luxury Card rewards program
For each card in the Luxury Card collection, you’ll earn 1 point per dollar spent. Though you’ll receive the same rewards rate on all purchases, your points are worth different values depending on which card you have and what you redeem for.
How can you redeem points?
Log in to your Luxury Card online account to redeem points. You can also call the support phone number on the back of your card.
How much are points worth?
Card
Cashback redemption rate
Luxury Card Mastercard® Titanium Card™
1%
Luxury Card Mastercard® Black Card™
1.5%
Luxury Card Mastercard® Gold Card™
2%
You can also redeem points for airfare, hotel stays, car rentals, gift cards, gift certificates and merchandise at varying rates.
How does Luxury Card keep my credit card information secure?
Luxury Card is administered by Barclays, a major bank. Barclays says it does not share information about its customers unless necessary.
You’ll apply for a Luxury Card through a secure application form. Your data will be encrypted so it’s unreadable by third parties.
With a Luxury Card product, you’ll get access to high-class benefits like concierge service, Airport Meet & Greet and Global Luggage Delivery.
Each card offers a solid rewards rate if you redeem your points for airfare. The Luxury Card Mastercard® Gold Card™ offers a solid redemption rate for cash back.
Kevin Joey Chen is a credit cards, banking and investments writer whose work and analysis have appeared on CNN, U.S. News & World Report, Business.com, Lifehacker and CreditCards.com. He's passionate about helping you get your finances in order by expertly navigating cutting-edge financial tools — including credit cards, apps and budgeting software.
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