Finder makes money from featured partners, but editorial opinions are our own. Advertiser Disclosure

Luxury Card Mastercard® Black Card™ 2022 review

Other premium travel products offer better deals.’s rating: 3.3 / 5


  • Get this card if you want savings with luxury providers or wish to bring unlimited guests into Priority Pass lounges.
  • Pick something else if you want a signup bonus, strong rewards or valuable travel credits.
  • Apply with a good to excellent credit score of 670 or higher.

1x points on all purchases with 2% point value when you redeem for airfare and 1.5% for cash back



Annual fee

14.99% variable

Purchase APR


Minimum Credit Score


Annual fee$495
Welcome offerN/A
Rewards1x points on all purchases with 2% point value when you redeem for airfare and 1.5% for cash back
Purchase APR14.99% variable
Balance transfer APR0% intro for the first 15 billing cycles (then 14.99% variable)
Minimum Credit Score670

Review by

Kelly Waggoner is the US editor-in-chief at Finder. She's worked with publishers, magazines and nonprofits throughout New York City, including ghostwriting a how-to on copyediting for the Dummies series. Between projects, she toys with words, flips through style guides and fantasizes about the serial comma's world domination.

Expert review

This is the mid-tier card among three Luxury Card™ products, bookended by the Luxury Card Mastercard® Titanium Card™ and Luxury Card Mastercard® Gold Card™.

This card competes with powerhouses such as the Chase Sapphire Reserve®, with no signup bonus or the higher-value travel credits often offered by other travel cards. It does, however, come with such premium perks as access to global luggage delivery, Airport Meet and Assist, private-jet charters and more. You’ll also get a solid 2% rewards rate on airfare redemptions, though you can find that same rate with lower annual fee cards such as the Bank of America® Premium Rewards® Credit Card.

How to apply for the Luxury Card Mastercard® Black Card™

  1. Visit the Luxury Card website.
  2. Select Apply now.
  3. Complete the application with information such as your full name, address, annual gross income, date of birth, Social Security number and mother’s maiden name.
  4. Review your information and submit your application.

What credit score do I need?

Barclays, the card issuer, tends to require higher credit scores than other providers. We recommend applying for this card only if you have a credit score of 670 or higher.

Pros and cons

  • Solid redemption rate for cash back and airfare
  • Good balance transfer intro APR
  • Bring unlimited guests into Priority Pass lounges
  • Excellent savings with select luxury providers
  • Contact concierge via live chat in the mobile app
  • Weak travel credits
  • Other premium cards offer superior rewards
  • No signup bonus
  • High cost for authorized users
  • Global Entry/TSA PreCheck credit renews less frequently than with other cards

Card benefits

The Luxury Card Mastercard® Black Card™‘s benefits aren’t terrible on their own — they just shrink when compared to other premium cards. Still, you may find value for narrow-use cases.

  • 1x points on all purchases. This unimpressive rewards rate improves slightly when you consider the redemption rates.
  • Travel credits. Save on travel with up to $100 in annual airline credits and a credit for your Global Entry or TSA PreCheck application every five years. To access airline credits you must enroll in your Amex account.
  • Lyft Credit. Enroll and take three eligible rides in a month using your Luxury Card to receive a $5 Lyft credit. You can earn this credit once a month.
  • Doordash perks. Get $5 off your first two orders on DoorDash every month until September 30, 2022, while supplies last. Also receive 3 months of DashPass for free.
  • Airport lounge access. With Priority Pass Select, you can access more than 1,300 airport lounges globally.
  • 24/7 concierge. Call the Luxury Card Concierge any time for dinner reservations, help procuring hard-to-find gifts, making travel plans and other personal requests.
  • Luxury Card benefits. Enjoy special amenities at select hotels, privileges with partner brands, premium travel benefits, access to world-class experiences and more.
  • No foreign transaction fees. Use your card for international purchases without incurring a fee.

Deeper dive: Rewards are solid on their own but unimpressive compared to the competition

The Luxury Card Mastercard® Black Card™ takes a different tack with rewards. Whereas most premium credit cards offer tiered rewards, the Luxury Card Mastercard® Black Card™ offers flat-rate rewards: 1x points on all purchases. While this sounds terrible, it gets better when you consider redemption rates.

Get a 1%, 1.5% or 2% redemption rate depending on what you use your points for:

RedemptionStarts atRedemption rate
Airfare50 points for $1 in airfare2%
Cash back67 points for $1 in cash back1.5%
Hotel stays and car rentals100 points for $1 in hotels or car rentals1%

The rate for hotel stays and car rentals is disappointingly low. The cashback redemption rate is solid, but it’s not very impressive considering you’ll find no-annual-fee cashback cards with the same — or better — rates. Plenty of cards offer 1.5% cash back on every purchase, for example. And cards like the PayPal Cashback Mastercard® offer 2% cash back on all spending.

The 2% redemption rate on airfare is solid as well, but it doesn’t offer an advantage over simply getting a no-annual-fee card with 1% cash back. You’ll also find cards like the Capital One Venture Rewards Credit Card that offer 2x miles on every purchase.

The card’s website displays this chart comparing redemption rates among premium travel cards:

Luxury Black Card Mastercard Screenshot 2

It’s technically accurate, but it leaves out an important detail: Considering earn rates and the fact that you can get higher redemption rates via reward transfers, the Luxury Card Mastercard® Black Card™‘s competitors offer superior reward rates.

Overall, the Luxury Card Mastercard® Black Card™‘s airfare and cashback redemption rates are decent on their own. But they offer no real advantage when compared with other great cards.

Deeper dive: Airline and Global Entry/TSA PreCheck credits are underwhelming

Every calendar year, you’ll receive a statement credit up to $100 for airline purchases. Qualifying purchases include:

  • Airfare.
  • Baggage fees.
  • Lounge access.
  • Eligible inflight purchases depending on the merchant category code (MCC).

A travel credit is always welcome. For the price of the Luxury Card Mastercard® Black Card™, however, the airline credit isn’t particularly valuable. Consider the credits you’ll receive with similarly priced cards:

  • The Chase Sapphire Reserve® ($550 annual fee) offers a $300 credit each account anniversary year that applies to many different travel purchases — not just airline spending.
  • The Citi Prestige® Credit Card ($495 annual fee) offers a $250 travel credit every calendar year. This applies to general travel purchases.
The information about Citi Prestige® Credit Card has been collected independently by Finder and has not been reviewed or provided by the issuer.

The Luxury Card Mastercard® Black Card™ also offers a credit for your Global Entry/TSA PreCheck application fee, which the above-mentioned cards include as well. You’ll receive this credit every five years, while the Chase Sapphire Reserve® offers the credit every four years.

Deeper dive: The Priority Pass Select benefit isn’t unique, but you’ll find one intriguing advantage

You’ll receive Priority Pass Select membership with your card, which gives you unlimited access to more than 1,300 lounges in 500-plus airports around the world.

It’s good for lounge access at around 40 US airports, including Atlanta (ATL), Dallas-Ft. Worth (DFW) and New York-JFK (JFK). On the downside, it won’t get you lounge access at such airports as Salt Lake City (SLC), which is a hub for Delta, and Fort Lauderdale (FLL), a JetBlue hub.

Priority Pass Select isn’t unique to the Luxury Card Mastercard® Black Card™. You’ll find the benefit with premium travel cards like the Chase Sapphire Reserve® and Citi Prestige® Credit Card. However, with Priority Pass Select through the Luxury Card Mastercard® Black Card™, you can bring unlimited guests.

Compare that benefit with the competition:

  • Membership through Chase’s card lets you bring guests at $27 a head.
  • Membership through Citi’s card lets you bring up to two guests at no charge.

Worth mentioning: The big winner in complimentary airport lounge privileges is still The Platinum Card® from American Express, which offers Priority Pass Select membership as well as Delta Sky Club entry you can get after enrolling in your Amex account. Additionally, it offers access to the Centurion Lounges — an Amex ace in the hole.

Deeper dive: Use concierge to fulfill a variety of requests

Contact Luxury Card Concierge 24/7 with personal requests big and small. Here are a few tasks Luxury Card says its reps have helped with:

  • Researching school districts to help a cardholder narrow areas to move to in Denver.
  • Setting up a proposal on the JumboTron in New York City’s Times Square.
  • Skipping the ticket purchase line at a theme park.

Concierge can be well worth the cost of entry depending on how often you use it. Beyond unusual requests, you can make traditional requests like dinner reservations, booking travel and finding tickets to in-demand shows. Note, however, that concierge benefits are available widely, especially with premium cards.

Contact Luxury Card Concierge by phone or email, or through the Luxury Card app.

Deeper dive: Luxury Card Travel perks can offer extraordinary value

One major appeal of being a cardmember is having access to Luxury Card Travel perks. These include:

  • Airport Meet & Assist. Dedicated representatives can fast-track you through queues and processing at over 500 airports around the globe. You’ll receive a 20% discount for this service.
  • Global Luggage Delivery. Have your luggage sent ahead of time to your destination, which can save you some hassle — not to mention the money you’d otherwise spend checking baggage. Through Luxury Card, you’ll get a complimentary second bag on your first shipment, a 20% ongoing discount and complimentary luggage insurance.

At more than 3,000 luxury hotels around the world, you’ll receive special amenities such as:

  • Complimentary room upgrades.
  • Complimentary in-room Wi-Fi.
  • Spa credits.
  • Food and beverage packages.
  • Early check-in and late checkout.
  • Hotel credits and credits for suite bookings.
  • Accelerated points.
  • Welcome amenities.
  • Complimentary breakfast for two.
  • Priority restaurant reservations.

Luxury Card also maintains partnerships with providers of luxury services, and here’s where the card shines. These are examples of benefits you’ll find:

  • Villas of Distinction. Book luxury villas and enjoy benefits like $700 in service credits, in-home massages, rental cars and private drivers.
  • Willing Foot by Lisa Lindblad Travel Design. Enjoy 5% discounts on custom travel packages and 10% discounts on pre-crafted packages with this bespoke travel company.
  • Cruise privileges. Through Luxury Card’s cruise program, receive privileges on over 20 cruise lines, including cabin upgrades, private cocktail events, shipboard credits and special shipboard services.
  • Jet charter services. Get up to $350 in credits toward chauffeured transfers and $350 in credits per flight toward inflight catering.
  • Sentient Jet. You can buy 20-hour Jet Cards instead of the normal 25-hour cards. Plus, get a complimentary hour of flight time, a $1,500 Mastercard gift card and a $500 credit toward premium catering or ground transportation.
  • Car rental privileges. Get benefits with Alamo, Enterprise, National, Avis and Budget, including discounts and guaranteed upgrades.
  • Chauffeured service. Get perks with Carey International and EmpireCLS, including a $50 discount on your first booking, a 10% discount on base rates and complimentary vehicle upgrades.
  • Wireless communication. Get special pricing on high-speed pocket Wi-Fi, low-cost Wi-Fi calling and satellite phone rental, which help you stay connected during your travels.
  • DUFL. This travel caching service stores your clothing in a DUFL closet, delivering your items to you before you arrive at your destination. When you leave, DUFL will pick up your clothes, dry clean them and have them ready for your next trip. Get two trips free through Luxury Card.
  • ARMARIUM. Access luxury fashion rentals. With Luxury Card, get 50% off your first rental, a 25% continuous discount and complimentary shipping.

Garde Robe. This luxury wardrobe management service stores and delivers your garments. Through Luxury Card, you’ll get a $750 credit toward a one-year membership.

If you can leverage these perks, your card could pay for itself many times over — even if its main benefits aren’t spectacular.

Deeper dive: Special amenities and experiences offer more value from your card

Luxury Card special amenities include:

  • Entertainment events and hospitality. Get into sought-after entertainment events — even some that are sold out.
  • Restaurants and dining. Luxury Card curates over 900 of the best restaurants worldwide. You’ll enjoy priority reservations, complimentary appetizers, private kitchen tours, chef visits and more.
  • The Ultimate Golf Program. Gain entry to highly acclaimed golf courses, tournaments and events.
  • Canyon Ranch. This provider offers healthy-living and luxury-spa vacations. By meeting minimum-stay requirements in Tucson, Arizona, or Lenox, Massachusetts, you’ll receive a multitude of perks. These include 25% off a package stay, an upgrade to an Executive room, a $320 service allowance and more.
  • The Red Door Salon & Spa. Get 20% off services and products with this facial and salon provider.
  • Mastercard Priceless. Access Priceless Cities, Priceless Golf and Priceless Surprises for exclusive experiences and gifts.

You also get access to Luxury Card EXPERIENCES in such categories as activity and adventure, arts and culture, culinary and wine, family, and sports and entertainment.

Deeper dive: Enjoy select purchase and travel protections with your card

You’ll receive other protections when you pay for eligible items with your card:

  • Cell phone protection. Pay for your wireless bill with your card, and your phone is covered against theft or damage. This benefit is offered by Mastercard and allows $1,000 in annual coverage.
  • Baggage delay insurance. Get reimbursed up to $100 a day for three qualifying days maximum if your baggage is delayed by more than four hours.
    Many other cards require minimum delays of six hours, but some offer insurance for more qualifying days. Insurance with your Luxury Card Mastercard® Black Card™ doesn’t apply when you arrive at your primary residence.
  • Travel accident insurance. You’re covered for common carrier accidental death and dismemberment for up to $250,000. Unfortunately, the Luxury Card website doesn’t mention a 24-hour travel accident benefit. Meanwhile, select Chase cards offer $500,000 to $1,000,000 in common carrier insurance along with 24-hour travel accident benefits.
  • Auto rental collision waiver. This is secondary car rental coverage, meaning it applies after your personal insurance.
  • Standard Mastercard protections. Enjoy ID theft protection and $0 liability protection. Call Mastercard Global Service if your card is lost or stolen, or if you need an emergency cash advance. Also, leverage Mastercard travel assistance when you need information about your destination, medical help or referrals to legal services.
  • Trip cancellation and interruption. You’ll receive secondary coverage up to $5,000 per insured person for eligible accidental events.

While the Luxury Card Mastercard® Black Card™ doesn’t offer the most comprehensive collection of purchase and travel protections, it gives you more benefits than you’ll find with some other providers.

Deeper dive: Other benefits

As you’d expect, the Luxury Card Mastercard® Black Card™ has no foreign transaction fees. Unlike many other travel products, however, the card has quite a good balance transfer intro APR: 0% for 15 billing cycles, then 14.99% variable.

The Luxury Card Mastercard® Black Card™ is constructed with stainless steel on its front and carbon on the back, giving it the heft you’d look for in a premium card. Simply unboxing the card, seeing its look and feeling its weight, will make you feel elite.

You’ll also get special World Elite Mastercard benefits that can help you offset the card’s annual fee:

  • Lyft. After enrolling, take five qualifying rides in a month. You’ll receive a $5 Lyft credit. Earn this credit each month.
  • Boxed. After creating a Boxed account, you’ll earn 5% cash rewards on qualifying orders.
  • ShopRunner. Your card lets you sign up for a complimentary ShopRunner membership, which gives you free two-day shipping and free returns on qualifying purchases.
  • Fandango. Join Fandango VIP and earn double points on qualifying purchases. Earning 500 points gets you a $5 reward.
  • Onefinestay. Receive a 10% discount on qualifying bookings.

Lastly, you’ll receive a complimentary subscription to LUXURY MAGAZINE, a biannual publication that covers luxury travel, fashion, sports, tech, design and more.

What to watch out for

While the Luxury Card Mastercard® Black Card™ can be a strong pick for its less-noticeable features, it lags behind other premium cards in marquee benefits. Negatives include:

  • $495 annual fee. You might question whether it’s worth paying this premium price.
  • No signup bonus. This is a severe weakness that places the Luxury Card Mastercard® Black Card™ far behind its competitors.
  • No point transfers. The lack of point transfers severely limits the value you’ll get from your rewards.
  • High cost for authorized users. You’ll pay $195 per authorized user you add to your account. Premium-card competitors often charge just $75 per authorized user.
  • Weak annual travel credit. Other premium cards offer much better travel credits.
  • Rewards are unimpressive by comparison. On their own, they’re not horrible. But when you consider what you could earn with the competition, you’ll find you’re leaving a lot of value on the table.
  • Global Entry/TSA PreCheck credits renew every five years. Other cards may offer these credits every four to four-and-a-half years.

Deeper dive: The lack of rewards transfers is a big negative in today’s premium-travel world

Major competitors such as Amex, Capital One, Chase and Citi all offer reward transfers. The advantage of this is you can get more value from your points or miles by moving them to select travel partners.

The Luxury Card Mastercard® Black Card™‘s lack of point transfers means your reward values are always capped at 1% — disappointing for a premium travel card. Meanwhile, you can enjoy up to 10% reward rates with other premium cards.

Is the annual fee worth it?

At $495 a year, the Luxury Card Mastercard® Black Card™ competes in the luxury travel space. Unfortunately, for most consumers it won’t offer enough value to justify its cost.

Its major benefits are matched or exceeded by those of other cards. Furthermore, its rewards bring no enticing advantage, it has an unimpressive travel credit and it doesn’t even offer a signup bonus. The Priority Pass Select benefit offers just a very narrow advantage over other cards: the option to bring unlimited guests at no charge.

The card does have select bright spots, namely its suite of Luxury Card Travel perks. If you can leverage its luxury-provider discounts, special amenities and access to high-class experiences, you may in fact find the card very valuable.

Luxury Card Mastercard® Black Card™ reviews and complaints

The Luxury Card Mastercard® Black Card™ has a consistently poor reputation online. Many consumers say the card brings far less value than it costs. They add that it brings few exclusive features, weak rewards and poor travel credits.

Barclays Bank Delaware has an A+ rating from the Better Business Bureau (BBB), though it isn’t yet accredited as of October 2020. Unhappy cardholders mention slow card delivery, unexpected account freezes, disputed charge offs and sudden credit-limit decreases. According to the BBB, Barclays has answered or resolved most customer complaints.

On Trustpilot, Barclays has received a 1.4 out of 5 customer rating as of October 2020.

Authorized users or cosigners

Add authorized users for $195 each. Note that this is a higher cost than the $75 per authorized user you’ll pay with other products such as the Chase Sapphire Reserve® and Citi Prestige® Credit Card.

Spending from authorized users adds rewards to your point balance. Your authorized users will enjoy complimentary Priority Pass Select membership and annual airline credits.

How does the Luxury Card Mastercard® Black Card™ compare to other similar cards?

Value of annual travel credits

Luxury Card Mastercard® Black Card™The Platinum Card® from American ExpressChase Sapphire Reserve®Citi Prestige® Credit Card
$100$200 airline fee credit
$200 hotel credit
$200 Uber Credit

Effective annual fee after using travel credits

Luxury Card Mastercard® Black Card™The Platinum Card® from American ExpressChase Sapphire Reserve®Citi Prestige® Credit Card

Highest estimated travel rewards rate

Luxury Card Mastercard® Black Card™The Platinum Card® from American ExpressChase Sapphire Reserve®Citi Prestige® Credit Card

Consider other cards if…

If you want a premium travel card, you’ll find excellent options in the Luxury Card Mastercard® Black Card™‘s biggest competitors. Each card brings a different mix of bonus rewards and defining features.

The Platinum Card® from American Express ($695 annual fee)(Terms apply, see rates & fees)
This card distinguishes itself with a stellar 5x points on eligible flight spending on up to $500,000 annually, reverting to 1x points after and on everything else. It also earns 5x points on prepaid hotels booked with American Express Travel. It features Uber credits, access to Delta SkyClub and Centurion lounges, and gold status in Marriott Bonvoy and Hilton Honors.

Chase Sapphire Reserve® ($550 annual fee)
Earn 3x points on eligible travel, as well as 5x points on flights and 10x points on hotels and car rentals through Chase Ultimate Rewards. You start earning travel rewards after you use your $300 annual travel credit. Chase’s flagship card gives your points 50% more value when you redeem them through Chase Ultimate Rewards. You’ll also get access to a suite of travel and purchase protections that many other card providers don’t offer anymore.

Citi Prestige® Credit Card ($495 annual fee)
The Citi Prestige® Credit Card offers 5x points on air travel and restaurants — an excellent rate — as well as 3x points on hotels and cruise lines. What makes it unique is its complimentary fourth night when you make a hotel booking of at least four nights through ThankYou Rewards. You can get this benefit twice each calendar year.

Cards to pair with the Luxury Card Mastercard® Black Card™

The Luxury Card Mastercard® Black Card™ offers a solid 1% cashback redemption rate, but it’s a poor choice for common bonus categories such as travel and dining. Since you’re already paying a high annual fee for the card, consider less-expensive products that fill in the gaps for rewards. These include:

Redeeming points

To redeem your points, visit or call the number on the back of your card.

Use points for these redemptions:

  • Airfare
  • Hotel stays and car rentals
  • Cash back: statement credit or direct deposit to a US checking or savings account
  • Gift cards and gift certificates
  • Merchandise

How much are Luxury Card Mastercard® Black Card™ points worth?

Your points are worth different values depending on how they’re redeemed:

RedemptionStarts atRedemption rate
Airfare50 points for $1 in airfare2%
Cash back67 points for $1 in cash back1.5%
Hotel stays and car rentals100 points for $1 in hotels or car rentals1%
Gift cards, gift certificates and merchandiseVaries depending on redemptionVaries depending on redemption

The standard redemption rate across the industry is 1%. Note while the Luxury Card Mastercard® Black Card™ offers a higher direct redemption rate than some competitors, other cards offer higher earn rates and ultimately offer better reward rates.

How to make the most out of your card

If you’ve been approved for the card, take these steps to use the card to its highest potential:

  • Create an online account. Visit the Luxury Card website and register your card. With an online account, you can view your balance and manage your card account.
  • Read your benefits booklet. You’ll find benefits available to you as a Luxury Card member that can help you make your card’s annual fee worth paying.
  • Create a rewards strategy. Understand the reward rates you can achieve with this card, and plan how you’ll use it for purchases. You may decide not to use it at all for spending, and instead use other cards that offer stronger rewards.
  • Use your Global Entry/TSA PreCheck credit. Apply for your chosen program well before your travel dates, as approval could take months.
  • Take advantage of Luxury Card Concierge. You may be surprised at the types of requests you can make. By using this service often, you may even find your card pays for itself.
  • Leverage Priority Pass Select membership. Bring unlimited guests into Priority Pass lounges — an uncommon advantage among travel cards.

How to upgrade or downgrade your card

To upgrade to the Luxury Card Mastercard® Gold Card™ ($995 annual fee) or downgrade to the Luxury Card Mastercard® Titanium Card™ ($195 annual fee), call the support number on the back of your card.

Compare premium credit cards

Name Product Welcome Offer Rewards Annual fee Filter values
Luxury Card Mastercard® Black Card™
1x points on all purchases with 2% point value when you redeem for airfare and 1.5% for cash back
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
American Express® Gold Card
60,000 points after spending $4,000 in the first 6 months
4x at restaurants including delivery and Uber Eats; 4x at US supermarkets on up to $25,000 annually (then 1x points), 3x points on directly-booked flights and 1x points on other eligible purchases

Rose Gold is here to stay. Card Members can choose between a Gold or Rose Gold Card.

Earn up to 4x points on select purchases, a bevy of travel perks, and a welcome offer worth up to $600 based on our valuation with this upper-mid tier travel card. Terms apply, see rates & fees
Chase Sapphire Reserve®
50,000 points after spending $4,000 in the first 3 months, a value of up to $750 through Chase Ultimate Rewards.
5x points on flights and 10x points on hotels and car rentals through Chase Ultimate Rewards, 3x points on other travel after earning your $300 travel credit, 10x points on Lyft rides, 10x points on Chase Dining through Ultimate Rewards, 3x points on other dining and 1x points on all other purchases
Earn a huge signup bonus worth $750 toward travel when redeemed through Chase Ultimate Rewards with Chase’s premier card.

Compare up to 4 providers

Bottom line

The Luxury Card Mastercard® Black Card™ is visually attractive, but its benefits are lacking for its price. It offers glimpses of value, such as its unlimited-guest policy with Priority Pass Select and strong savings with select luxury providers. For the most part, however, it’s outclassed by premium-card competitors.

If you’re not sure this card is right for you, consider other travel products, including no-annual-fee, midtier and luxury cards.

Frequently asked questions

When I make a qualifying airline purchase, when will the statement credits post to my account?
They’ll post to your account within two weeks after you made the purchase.

When will I receive my Priority Pass Select membership?
Expect your membership card in the mail seven to 14 days after you open your Luxury Card Mastercard® Black Card™.

When do transfer balances count to take advantage of the intro APR?
The intro APR applies only to balances you transfer within the first 45 days of account opening. After that, your balance will immediately accrue interest at the normal 14.99% variable APR.

Credit card ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

Our team evaluates credit cards to determine their value against similar cards on the market.

We rank card types — travel, cash back, business — on a set of factors that are most relevant to that type of card. We create these rankings to help you narrow down a credit card that best suits your spending and budget.

Learn the details of our methodology and scoring.

Ask an expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use and Privacy and Cookies Policy.
Go to site