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Mastercard® Black Card™
Mastercard® Black Card™
- 19.49% Regular Purchase APR
- 19.49%. This APR will vary with the market based on the Prime Rate. Balance Transfer APR
- 29.74%. This APR will vary with the market based on the Prime Rate. Cash Advance APR
At a Glance
An exclusive and complete credit card, the Mastercard® Black Card™ is a statement piece that offers a wide range of unique benefits not found anywhere else. Beyond a 2% redemption rate for airfare and 1.5% for cash back, the Black Card provides a full lifestyle experience that goes beyond just amassing points – and that more than makes up for its annual costs. Once approved, customers can expect 24/7 personalized concierge service, VIP discounts, and attractive memberships.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Patented black-PVD-coated metal card—weighing 22 grams.
- 2% value for airfare redemptions with no blackout dates or seat restrictions. 1.5% value for cash back redemptions. Earn one point for every one dollar spent.
- Annual Airline Credit—up to $100 in statement credits toward flight-related purchases including airline tickets, baggage fees, upgrades and more. Up to a $100 application fee credit for the cost of TSA Pre✓® or Global Entry.
- Enrollment in Priority Passâ„¢ Select with access to 1,300+ airport lounges worldwide with no guest limit. Includes credits at select airport restaurants for cardholder and one guest.
- 24/7 Luxury Card Concierge®—available by phone, email and live mobile chat. Around-the-clock service to help you save time and manage tasks big and small.
- Exclusive Luxury Card Travel® benefits—average value of $500 per stay (e.g., resort credits, room upgrades, free wifi, breakfast for two and more) at over 3,000 properties.
- Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard® benefits.
- Annual Fee: $495 ($195 for each Authorized User). Terms and conditions apply.
- Mastercard World Elite Benefits: World Elite is Mastercard’s highest benefits level. World Elite Mastercard benefits include exclusive discounts from Lyft, Fandango, DoorDash, ShopRunner and Priceless Golf. Additional benefits include Mastercard ID Theft Protection™, Cellular Telephone Protection and more. Additional Terms & Conditions Apply.
- Regular Purchase APR: 19.49%
- Intro Balance Transfer APR: 0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening
- Balance Transfer APR: 19.49%. This APR will vary with the market based on the Prime Rate.
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.74%. This APR will vary with the market based on the Prime Rate.
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
- Annual Fee: $495
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: Up to $39
- You're a frequent traveler who aims to earn rewards that can be redeemed for airfare at an unmatched rate
- You're looking to minimize your wallet via an everyday credit card that rewards on every redemption
- You aim to stand out from the crowd with an expertly-crafted metal credit card weighing 22 grams
- You're seeking a dedicated 24/7 Concierge service offering personalized assistance to meet a variety of requests
- You stay at high-end hotels and exclusive resorts that offer Cardmembers amenities, breakfast vouchers and resort credits
- You're interested in premium travel benefits and protections found in few competing credit cards
Mastercard® Gold Card™
Mastercard® Gold Card™
- 19.49% Regular Purchase APR
- 19.49%. This APR will vary with the market based on the Prime Rate. Balance Transfer APR
- 29.74%. This APR will vary with the market based on the Prime Rate Cash Advance APR
At a Glance
The Mastercard® Gold Card™ is a lavish rewards credit card from Luxury Card™ that offers opulent rewards as well as a 24K gold-plated metal card design guaranteed to make a statement and catch the eye of anyone who sees it. Ideal for anyone who enjoys the finer things in life, it showers cardholders in exclusive benefits and VIP experiences.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Patented 24K-gold-plated front and carbon back—weighing 22 grams
- 2% value for airfare redemptions with no blackout dates or seat restrictions. 2% value for cash back redemptions. Earn one point for every one dollar spent
- Annual Airline Credit—up to $200 in statement credits toward flight-related purchases including airline tickets, baggage fees, upgrades and more. Up to a $100 application fee credit for the cost of TSA Pre✓® or Global Entry.
- Enrollment in Priority Passâ„¢ Select with access to 1,300+ airport lounges worldwide with no guest limit. Includes credits at select airport restaurants for cardholder and one guest
- 24/7 Luxury Card Concierge®—available by phone, email and live mobile chat. Around-the-clock service to help you save time and manage tasks big and small
- Exclusive Luxury Card Travel® benefits—average value of $500 per stay (e.g., resort credits, room upgrades, free wifi, breakfast for two and more) at over 3,000 properties
- Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard® benefits
- Annual Fee: $995 ($295 for each Authorized User). Terms and conditions apply.
- Mastercard World Elite Benefits: World Elite is Mastercard’s highest benefits level. World Elite Mastercard benefits include exclusive discounts from Lyft, Fandango, DoorDash, ShopRunner and Priceless Golf. Additional benefits include Mastercard ID Theft Protection™, Cellular Telephone Protection and more. Additional Terms & Conditions Apply.
- Regular Purchase APR: 19.49%
- Intro Balance Transfer APR: 0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening
- Balance Transfer APR: 19.49%. This APR will vary with the market based on the Prime Rate.
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.74%. This APR will vary with the market based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
- Annual Fee: $995
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: Up to $39
- You're searching for a credit card that goes miles beyond offering simple rewards and instead emphasizes luxurious treatment and amenities
- You're looking for unparalleled 24/7 concierge service that works tirelessly to meet your personalized requests
- You frequently travel and can benefit from rewards that can be earned and redeemed towards future travel
- You wish to stand out with a visually stunning credit card design crafted with a 24K-gold-plated stainless steel front and carbon back
Mastercard® Titanium Card™
Mastercard® Titanium Card™
- 19.49% Regular Purchase APR
- 19.49%. This APR will vary with the market based on the Prime Rate Balance Transfer APR
- 29.74%. This APR will vary with the market based on the Prime Rate Cash Advance APR
At a Glance
The Mastercard Titanium Card is a luxurious option for those that want the same notable metal quality and exceptional service as the Mastercard Black Card, but with an annual fee at $195 compared to $495. The card bears many of the same exclusive benefits found in its sibling cards – the Mastercard Black and Gold – at a fraction of the cost and with the same five-star service.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Patented brushed stainless steel front and carbon back-weighing 22 grams
- 2% value for airfare redemptions with no blackout dates or seat restrictions. 1% value for cash back redemptions. Earn one point for every one dollar spent
- 24/7 Luxury Card Concierge®—available by phone, email and live mobile chat. Around-the-clock service to help you save time and manage tasks big and small
- Exclusive Luxury Card Travel® benefits—average value of $500 per stay (e.g., resort credits, room upgrades, free wifi, breakfast for two and more) at over 3,000 properties
- Members-only LUXURY MAGAZINE®
- Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard® benefits
- Annual fee: $195 ($95 for each Authorized User). Terms and conditions apply
- Mastercard World Elite Benefits: World Elite is Mastercard’s highest benefits level. World Elite Mastercard benefits include exclusive discounts from Lyft, Fandango, DoorDash, ShopRunner and Priceless Golf. Additional benefits include Mastercard ID Theft Protection™, Cellular Telephone Protection and more. Additional Terms & Conditions Apply.
- Regular Purchase APR: 19.49%
- Intro Balance Transfer APR: 0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening
- Balance Transfer APR: 19.49%. This APR will vary with the market based on the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.74%. This APR will vary with the market based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
- Annual Fee: $195
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: Up to $39
- You want an impressively designed metal credit card
- You value time-saving assistance through a 24/7 concierge
- You're looking to minimize your wallet via an everyday credit card that rewards on redemption
- You stay at high-end hotels and resorts that offer Cardmembers amenities, breakfast vouchers and resort credits
- You want a smaller annual fee than the Mastercard Black Card at $495
SKYPASS Visa® Business Card
SKYPASS Visa® Business Card
- 22.74% to 29.74% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 22.74% to 29.74% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The SKYPASS Visa Business Card is an airline rewards business credit card designed for those companies that travel to and from South Korea for work frequently. Cardholders earn two2 miles for every dollar spent on tickets from Korean Air or other SkyTeam partner airlines, as well as at gas stations or hotels. All other purchases earn one point from every dollar spent. New members can also earn 30,000 bonus miles when they make $3,000 in purchases within the first 90 days of opening an account.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn accelerated SKYPASS miles with your business expenses
- Earn 2 miles for every net eligible $1 you spend on Korean Air ticket purchases
- Earn 2 miles for every net eligible $1 you spend at gas stations and hotels
- Earn miles for reward flights on SkyTeam carriers
- Regular Purchase APR: 22.74% to 29.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 22.74% to 29.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $5 or 4% of the amount of each cash advance, whichever is greater
- Penalty APR: 31.99% variable based on the Prime Rate
- Annual Fee: $95 and $95 for Authorized Employees
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: Up to $39
- Over Limit Penalty Fee: $39
- You frequently travel to South Korea for business
- You book your travel mainly through Korean Air
- You want impressive benefits and mile-earning potential
- You want no foreign transaction fees
Delta SkyMiles® Reserve Business American Express Card
Delta SkyMiles® Reserve Business American Express Card
- 20.49% to 29.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
If you or your employees regularly fly Delta, the Delta SkyMiles® Reserve Business American Express Card’s introductory bonuses and travel-specific perks are well worth the hefty $550 annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Limited Time Offer: Earn 100,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 3 months. Offer ends 3/29/23
- NEW: Save 15% On Award Travel With TakeOff 15. Not applicable to partner-operated flights or to taxes and fees
- With complimentary access into Delta Sky Club®, you can relax before your Delta flight, or find downtime between connections. You'll also receive two Delta Sky Club One-Time Guest Passes each year so you can share the experience with others when you're traveling together
- When you purchase a Delta flight with your Delta SkyMiles Reserve Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge - The Centurion® Studio Partner
- After you spend $150,000 on your Card in a calendar year, you earn 1.5 miles per dollar (that's an extra half mile per dollar) on eligible purchases the rest of the year. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply (ex. you would earn 3X miles on purchases made directly with Delta instead of 1.5X)
- Plus enjoy 3X miles per dollar on all eligible Delta purchases
- With Status Boost®, earn 15,000 Medallion® Qualification Miles (MQMs) after you spend $30,000 in purchases on your Card in a calendar year, up to 4x per year getting you closer to Medallion Status
- Terms and limitations apply
- Regular Purchase APR: 20.49% to 29.49% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater
- Penalty APR: 29.99% variable based on the Prime Rate
- Annual Fee: $550
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: $39
- You travel frequently for work or have employees who do, and want to accumulate bonus miles while tracking spending habits
- You spend heavily with Delta Airlines
- You're looking forward to complimentary Delta Sky Club® access, priority boarding, and a free checked bag
- You don’t want to pay any foreign transaction fees
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The information related to American Airlines AAdvantage® MileUp℠Card, Citi® AAdvantage® Platinum Select® World Elite™ Mastercard®, CitiBusiness® / AAdvantage® Platinum Select® Mastercard®, and Citi® / AAdvantage® Executive World Elite Mastercard® has been collected by BestCards.com and has not been reviewed or provided by the issuer or provider of this product or service.
What to Look for in the Best Airline Rewards Creit Cards
When it comes to airline rewards cards, there are many things to consider, depending on an individual’s wants and needs. There are, however, several things that all flyers should keep an eye on:
| â‘ Sign-up bonuses | One of the reasons why airline rewards cards are so popular is that they offer signup bonuses. As with travel cards and hotel credit cards, airlines provide big bonuses to entice new passengers. While the exact bonuses differ depending on the annual fee, some cards, such as those from Delta, Aer Lingus, British Airways, and others, offer signup bonuses of up to 100,000 miles. |
| ② Airline alliance and codeshare agreements | Many people get airline rewards credit cards because they frequently travel with an airline and want rewards for their loyalty. One of the excellent things about these cards is the ability to rewards with several different carriers. These alliances allow people with airline credit cards from one carrier to earn – and redeem – miles with any other member of the partnership |
| ③ Flexibility of rewards | Rewards flexibility is another critical consideration when it comes to this type of card. Many airline rewards credit cards – especially those part of frequent flyer programs, like Delta SkyMiles – have fairly strict terms of redemption. These are typically for flights with SkyTeam, seat upgrades, lounge access, or bookings with select hotel partners. |
| â‘£ Travel perks | Before you apply for an airline rewards card always be check out the benefits cardholders can expect from card membership. The higher the annual fee, the better the perks. The same rationale applies to other perks, like frequent flyer tiers with airlines or other partners. |
| ⑤ Foreign transaction fees | Many people overlook foreign transaction fees when exploring airline rewards credit cards. But what good is an airline card if you must pay to use it when you are traveling overseas? If you plan on using the credit card abroad, look for a card with no foreign transaction fees. |
What are the Differences Between an Airline Credit Card and a Travel Credit Card?
Airline credit cards are a type of rewards credit card that differs from general travel credit cards like the Platinum Card from American Express. Airline cards are co-branded credit cards that align with specific air carriers.
These cards offer rewards and perks that apply towards that specific airline or their codeshare partners. Partners typically include affiliated airlines (known as an airline alliance, like Oneworld, SkyTeam, or Star Alliance), hotel partners, or other affiliates. Airline credit cards offer significant value for travelers who prefer to use one carrier or want the ability to use valuable rewards miles with specific airline partners.
Benefits with airline cards are specific to flights and airports. These can include a wide array of perks, including:
| Free checked bags | Specific amount of miles per dollar spent | Priority boarding |
| Lounge access | In-flight discounts | Airport of in-flight Wi-Fi |
Airline cards are like travel credit cards in that the best rewards and perks come from cards that charge an annual fee. Cards that charge an annual fee over $95 usually offer lounge access, as well as substantial signup bonuses. Like travel cards, however, there are still some great offers for no annual fee.
Browse Airline Alliance and Codeshare Guides
Looking for a comprehensive guide to your favorite airline alliance of loyalty program? Chances are the we have it! Browse our Ultimate Guides:
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Browse Frequent Flyer Program Guides
Looking for a comprehensive guide to your favorite airline loyalty program?Â
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What Are Airline Miles Worth?
Before you decide on a co-branded airline credit card, make sure you understand how much the points or miles you earn are worth. Here are the latest valuations for leading frequent flyer loyalty programs:
| Program | Value (cents/point) |
| Air Canada (Aeroplan) | 1.5 |
| American Airlines (AAdvantage) | 1.4 |
| Alaska Airlines (Mileage Plan) | 1.8 |
| Avianca (LifeMiles) | 1.4 |
| British Airways (Avios) | 1 |
| Delta Air Lines (SkyMiles) | 1.2 |
| Frontier (Frontier Miles) | 1.1 |
| Hawaiian Airlines (HawaiianMiles) | 0.9 |
| JetBlue (TrueBlue) | 1.3 |
| KLM/ Air France (Flying Blue) | 1.2 |
| Korean Air (SkyPass) | 1.6 |
| Lufthansa (Miles & More) | 1.4 |
| Southwest (Rapid Rewards) | 1.5 |
| Spirit Airlines (Free Spirit) | 0.4 |
| United Airlines (MileagePlus) | 1.3 |
| Virgin Atlantic (Flying Club) | 1.5 |
Airline Credit Cards FAQs
Because airline credit cards cover a ton of ground, there are many questions that arise when considering applying. Here are some of the more commonly asked questions about airline cards, frequent flyer miles, and rewards – and helpful answers:
- Yes and no. If you travel rarely, airline cards don’t make much sense – unless it charges no annual fee. Those who frequently travel for business or pleasure can get significant value for an airline credit card. Many premium cards feature no blackout dates, Global Entry or TSA Precheck statement credits, or bonus points or miles after you spend a specific amount within the first thee months from account opening. Making frequent airline purchases or purchases at hotel and car rental companies can help earn impressive rewards, including free flights.
- The number of miles needed to earn a free flight varies depending on the value of frequent flyer miles and the date of booking. Some domestic carriers allow free flight redemptions as low as 15,000 miles, while other international carriers require 35,000, 50,000, or even 75,000 miles for one-way international flight awards.
- In most cases, authorized users will enjoy the same benefits and perks of airline or travel cards as the account holder. Authorized users do not, however, enjoy the benefits of sign up bonuses or annual spending bonuses. Instead, any spending by an authorized user will apply to the account holders only.
- There are a few airline rewards credit cards that are also secured cards. The LATAM Secured Visa and SKYPASS Secured Visa are two good examples of secured airline cards for bad credit. Both cards earn frequent flyer miles with select purchases with LATAM and Korean Air, respectively. Both cards are perfect for travelers with a bad credit score or no credit history.
- There is no guaranteed approval for airline credit cards. That said, the LATAM Secured, and SKYPASS Secured Visa is both excellent options for people who struggle to get other airline rewards cards. The Frees Spirit Points Card from First Bank & Trust is another excellent option to consider.Â
- While the majority of international airline cards, like the British Airways Visa Signature or Cathay Pacific Visa Signature, have no foreign transaction fees, some U.S.-based airline cards do charge a fee. Always read the terms and conditions of your credit card application before applying to ensure you avoid paying any fees you didn’t expect.
- While airline credit cards are great, they aren’t for everyone. Those who fly infrequently might find better value with a general travel rewards credit card, for example. If you fly some, but typically stay at hotels more, a hotel credit card might be a better option. Still others might find that a cash back credit card provides better savings.
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