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Luxury Card Mastercard® Black Card™ vs The Platinum Card® from American Express
Both are premium travel cards, but one is far and away the better choice.
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The Luxury Card Mastercard® Black Card™ is a $495 travel card offering a $100 annual airline credit and 2% rewards rate on airfare redemptions. But it’s outclassed by The Platinum Card® from American Express— a premium, $550-a-year option — which offers up to $200 in statement credits annually. Amex’s card pays a stellar 5x points on eligible flights and hotel stays, giving you a 10% or higher rewards rate when you transfer points to airline partners.
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Luxury Card Mastercard® Black Card™
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The Platinum Card® from American Express
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|---|---|
| Not rated yet |
★★★★★ 4.4 / 5.0 |
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N/A |
60,000 points after spending $5,000 in your first 3 months |
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1.5x points on all purchases with 2% point value when you redeem for airfare and 1.5% for cash back |
5x points on directly-booked flights or on flights and hotels on Amex Travel. 1x points on all other purchases |
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16.49% variable |
None (Charge Card) |
| $495 | $550 |
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APR: 0% intro APR for 15 billing cycles, then 16.49% variable Fee: $5 or 3% of the transaction, whichever is greater |
Not a feature of a charge card |
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APR: 26.74% to 0% variable Fee: $10 or 5% of the transaction, whichever is greater |
APR: 26.74% variable Fee: $10 or 5% of the transaction, whichever is greater |
| None | None |
| Up to $37 | Up to $39 |
| $195 | $175 |
| 23 days | None |
| $0.50 | |
| 670 | 670 |
| Credit | Charge |
| Rates & Fees | Rates & Fees |
Which card should you choose?
Luxury Card Mastercard® Black Card™
- Global Entry application fee credit.
- Luxury gifts.
- Rewards program.
- Airline credit.
The Platinum Card® from American Express
- Membership reward points. Earn 5x points on flights and prepaid hotels booked directly through Amex Travel. You can use your points toward gift cards, travel rewards, statement credit and more. If you redeem these points for the highest valued rewards, you'll get 5% back. On all other eligible purchases, you'll earn 1x points.
- Welcome offer. Get 60,000 membership rewards points after you spend $5,000 on purchases in the first 3 months of card membership. That's up to $600 worth of rewards.
- Airline fee credit. Select a qualifying airline and receive a $200 airline fee credit each year to cover incidental charges, such as checked bags or in-flight purchases.
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