Mastercard® Black
The Mastercard® Black from Barclays earns up to 1.5% effective value on dining in Madeen's catalog snapshot. Its annual fee is $699. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Dining
- Effective value
- 1.5%
- Annual fee
- $699
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Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
What does the Mastercard Black earn in each category?
Dining is the strongest category at 1.5% effective value (1.5x points at about 1 cents each). That dining rate ranks higher than about 14% of the 1,547 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Dining is the strongest category at 1.5% effective value (1.5x points at about 1 cents each). That dining rate ranks higher than about 14% of the 1,547 cards we track in that category.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1.5x points | 1.5% Top category |
| Grocery Supermarkets and grocery stores | 1.5x points | 1.5% |
| Gas Gas stations and fuel | 1.5x points | 1.5% |
| Travel Flights, hotels, transit | 1.5x points | 1.5% |
| Other General everyday spend | 1.5x points | 1.5% |
Madeen values Barclays Luxury Rewards at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the Mastercard Black?
The Mastercard Black fits spenders who put meaningful volume in dining and can earn 1.5x points. Best for spenders who put meaningful volume in dining and can earn 1.5x points. Travel perks may add value beyond the earn rate. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Mastercard Black fits spenders who put meaningful volume in dining and can earn 1.5x points. Madeen ranks its dining effective rate higher than about 14% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 1.5x points. Travel perks may add value beyond the earn rate.
Less compelling if the $699 annual fee is hard to offset. Mostly a flat base earn card without strong category bonuses.
Best for dining-heavy spend when the $699 fee fits your usage; confirm issuer terms before applying. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Pros
- Strongest Madeen category is dining at about 1.5% effective (1.5x points).
- No foreign transaction fee listed.
- Includes travel or statement credits in our benefits snapshot.
Cons
- $699 annual fee requires enough spend in bonus categories to offset.
- Barclays Luxury Rewards value depends on how you redeem, not straight cash back.
Does the Mastercard Black have an annual fee, and what's the welcome bonus?
The Mastercard Black has an annual fee of $699 and a foreign transaction fee of None. Issuer pages control fees and offers; Madeen labels this as catalog analysis, not issuer-confirmed terms. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Annual fee
- $699
- Foreign transaction fee
- None
What travel perks does the Mastercard Black include?
The Mastercard Black includes Trusted traveler credit, Lounge access, $100 Annual Dining Credit, $120 Global Entry or TSA Pre?® Application Credit and more in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
- Trusted traveler credit$120 Global Entry or TSA Pre✓® Application Credit
- Lounge accessVIP Priority Pass™ Select Airport Lounge Access
What benefits come with the Mastercard Black?
- $100 Annual Dining Credit
Dine and Earn. Get up to $100 in annual statement credits when you use your Luxury Card at qualifying restaurants.
- $120 Global Entry or TSA Pre?® Application Credit
Mastercard Black Card members are eligible to receive a statement credit up to one-hundred-twenty-dollars ($120) as reimbursement for a Global Entry or TSA PreCheck® application fee. Enjoy expedited arrival into the United States from international destinations. Global Entry members are eligible to participate in TSA PreCheck, an expedited domestic security screening at participating airports in the United States, with no additional application or fee required.
- $200 Annual Airline Credit
Receive up to $200 in annual air travel credits toward flight-related purchases, including airline tickets, baggage fees, upgrades and more.
- 1.5% Value for Cash Back Redemptions
Cash back can be deposited directly into a US bank account or applied as a statement credit. No minimum threshold requirement for cash back redemptions.
- 2% Value for Airfare Redemptions
Earn $1,000 toward airfare when you acquire 50,000 points—with no blackout dates or seat restrictions.
- 2X Earn on Airfare and Hotel
Earn double the points when you book your airfare or hotel through LuxuryCardTravel.com.
- Baggage Delay Insurance
Baggage delays are an inconvenience. You may be eligible for reimbursement of covered items for up to $100 a day (maximum 3 qualifying days) for qualifying baggage delays of more than 4 hours from the time you arrive at your travel destination (arrival at your primary residence is excluded).
- Cellular Phone Protection
Simply pay for your monthly mobile phone bill with your Luxury Card to activate coverage for eligible damage or theft claims. Your Luxury Card comes with coverage that can reimburse the actual cost to repair or replace your phone if it is damaged or stolen.
Common questions about the Mastercard Black
Does the Mastercard Black have an annual fee?
The Mastercard Black carries an annual fee of $699 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What category earns the most with the Mastercard Black?
Dining is the strongest Madeen category for the Mastercard Black at about 1.5% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Does the Mastercard Black charge foreign transaction fees?
The Mastercard Black does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Is the Mastercard Black annual fee worth it?
Whether the $699 annual fee pays off depends on how much you spend in dining and whether you use the card's benefits. Madeen compares effective rates across the cards you already carry without bank login. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What credit score do you need for the Mastercard Black?
Madeen's catalog lists a typical credit range of Excellent for the Mastercard Black. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How do you redeem rewards on the Mastercard Black?
Rewards on the Mastercard Black post as Barclays Luxury Rewards. Redemption value depends on how you use Barclays Luxury Rewards (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How does the Mastercard Black compare to similar cards?
Compare the Mastercard Black against Hawaiian Airlines World Elite Mastercard (3.6% on Dining, $99 fee); Hawaiian Airlines World Elite Business Mastercard (3.6% on Dining, $99 fee); FRONTIER Airlines World Mastercard (3.3% on Dining, $99 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Mastercard Black This card | Dining | 1.5% | $699 |
| Dining | 3.6% | $99 | |
| Dining | 3.6% | $99 | |
| Dining | 3.3% | $99 | |
Barclays | Dining | 3% | $0 |
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