Fees and rates
Annual Percentage Rate (APR)
BarclaysUS Mastercard® Black Card™ Reward Program
• You will earn 1 Point for every $1 in Net Purchases using your Card.
• When a purchase or transaction is not a whole dollar amount, any fraction equal to or greater than $.50 will be rounded up to the nearest whole dollar and any fraction equal to or less than $.49 will be rounded down to the nearest whole dollar to calculate points earned. For example, if you make a purchase in the amount of $49.49, 49 points will be awarded, but if the transaction amount is $49.50, 50 points will be awarded.
• You have the option to redeem your points for travel redemptions (airfare hotel and car rentals) cash back direct deposit to a U.S. checking or savings account statement credits gift cards/gift certificates or merchandise.
• To redeem visit myluxurycard.com or call customer service on the number on the back of your Card.
• Airfare redemptions start at 50 points for $1.00.
• Cash back direct deposit into a U.S. checking or savings account and cash back statement credit redemptions start at 67 points for $1.00.
• Hotel stays and car rental redemptions starts at 100 points for $1.00.
• Gift card gift certificates and merchandise redemptions minimums vary based on what you are redeeming for.
No Overlimit Fee
No Over-the-Limit Fee. You won’t pay an over-the-limit fee if your credit card balance goes over your credit limit.
Let’s say your credit card limit is $5,000. One month, you spend more than your limit on the card. Some credit card companies will charge you between $25 and $35 for this mistake. If your card advertises no overlimit fee, you won’t be charged a penalty for your spending.
No Penalty APR
This credit card comes with a No Penalty APR. You won’t default to a higher APR if your payment arrives on or after day 60.
Baggage Delay Insurance
Baggage Delay Insurance. Should your bags be delayed, this credit card can cover the cost of purchasing essential items.
Extended Warranty Insurance
Extended Warranty Insurance. This credit card extends the original manufacturer’s warranty of an item. You get the benefits of an extended warranty without purchasing the store’s expensive extended warranty.
Flight Delay Insurance
Flight Delay Insurance. If a flight is delayed due to the weather or another covered reason, you can be reimbursed for additional transportation cost, meals, and accommodations.
Imagine that thing you bought at full price goes on sale the next week. With this credit card’s Price Protection benefit you can get back the difference between the sales price and what you paid. You can only claim this benefit for the exact item: same model; same manufacturer; same everything.
Let’s say you bought a round-trip ticket to Orlando for $750, but two weeks later, the airline has a sale. Everything is the same, except it now costs $500. If you had a price protection guarantee on your credit card, your credit card company would refund you $250. Contact your credit card company to find out specifics on how to get the money back.
Purchase Protection. If that thing you bought is stolen or accidentally damaged within a specific period of time, you’re covered. The credit card company may reimburse you up to the full purchase price.
Rental Car Insurance
Rental Car Insurance. This credit card covers any damage from collision or theft on most rental vehicles, up to the value of the car.
Travel Accident Insurance
Travel Accident Insurance. If you’re ever in an accident while on a vehicle licensed to transport the general public, you’ll want this insurance. It covers injuries from losing an eye or a limb all the way up to death.
Trip Cancellation Insurance
Trip Cancellation Insurance. You can have your non-refundable fees refunded if your cancellation reason meets certain criteria determined by the credit card company.
Trip Interruption Insurance
Trip Interruption Insurance. You can claim up to 150% of your unused, prepaid trip costs if it was for a qualified reason.
Emergency Cash Advance
Emergency Cash Advance. If your credit card is lost, damaged or stolen, you can ask the credit card company for some emergency cash. They will authorize the payment, which you can collect from a designated financial institution.
Emergency Card Replacement
Emergency Card Replacement. Whether your card is lost, stolen or damaged, the credit card company can provide help as soon as next day. It doesn’t matter if you’re still on vacation, the credit card company will mail a replacement to you wherever you are. This will be done free of charge.
The credit card company’s Fraud Protection keeps your account safe from unauthorized charges. In fact, once the charges are proven fraudulent, you will be guaranteed a refund. All you have to do is check your statement. If you find something wrong, contact the credit card company and file a claim.
Identity Theft Protection
Identity Theft Protection. This monitors the internet to see if your personal information is being bought, sold or traded online. This covers your credit card information, driver’s license, social security number, or other sensitive or personally identifiable information.
Zero Liability. If you didn’t buy it, don’t pay for it. You will not be held responsible for any unauthorized charges that appear on your account.
Sign Up Benefits
Promo Rate. This credit card comes with a promotional “promo” rate, which is usually significantly lower than your regular interest rate. This is only valid for the first few months after you open the credit card, then the regular rate applies.
Let’s say your credit card has an introductory rate of 0% APR for 15 months. When that expires, you pay the regular interest rate (22.49%). To maximize your promotional rate benefit, your balance should be paid off before the end of the introductory period. Failure to do so will mean that the interest rate on the remainder of your balance will skyrocket.
BarclaysUS Mastercard® Black Card™ allows you to pay off part or your entire bill with a Statement Credit offered as a sign-on bonus.
For example, you have a credit card which offered a $200 statement credit. In order to get it, you have to make purchases totaling $1000 or more within the first 90 days of opening the card. You spend $1100. When you get your credit card statement for the month following the introductory period, your bill will be reduced by $200. So if your credit card bill is $500, you will only have to pay $300.
0 Annual Fee 1st Year
No Annual Fee for the First Year. This credit card company waives its annual fee for the first year. You’ll get a year to decide if the card is worth the fee before you have to renew.
Car Rental Benefits
Car Rental Benefits. This credit card can grant you upgrades (when available), discounts, special rates, special offers, and other promotions.
Charter Service. For the fanciest of us all, the credit card company can arrange for a chartered plane or yacht. It can be a day charter, or however long you can afford.
Chauffeured Transportation. This credit card company can have a personal chauffeur service take you where you want to be. Need to get to a business meeting? Tell your chauffeur. Want to pull up curbside and make an entrance? Let your personal driver know.
Cruise Privileges. Save yourself some money and book that cruise with this credit card. Thanks to the complimentary amenities that the card offers on a number of world-class cruise lines, you’ll save money. Remember the medical insurance, the trip cancellation insurance, and the trip interruption insurance benefits on the credit card? They will be quite handy if you can’t make your trip, or if something goes wrong while on your cruise.
Global Luggage Delivery
Global Luggage Delivery. Some credit cards will allow you to forward your luggage to your destination ahead of time. No more worrying about whether or not your bags travel on the same flight as you, or if they’ll arrive. You won’t have to wrestle them off of the baggage carousel either. Pro tip: ask the hotel if housekeeping can unpack your bags for you. Your clothes will be hung up or placed in drawers by the time you check into the room.
Lounge Access. This credit card grants you access to airport lounges. Imagine waiting for your flight in comfort, with complimentary refreshments and cozier seats. Sometimes, the lounges have other amenities, like showers and travel-sized brand name toiletries. Maybe they won’t mind giving you a few more samples for later.
No Blackout Dates
No Blackout Dates. With this credit card, you avoid dates when travel rewards and other special discounts and promotions are unavailable.
No Foreign Fees
No Foreign Fees. With this credit card, you won’t pay any fees on any transactions you make while traveling overseas.
Travel Credit. This credit card can give you credit for flight-related purchases. This means you can save money on airline tickets, upgrades, checked baggage costs, and other items.
Credit Score Needed For BarclaysUS Mastercard® Black Card™
Your best chance of being approved for this credit card involves having a credit score 751 - 850. Having your credit score in this range does not guarantee approval. There are still other factors besides credit score that determine if you will qualify for this card.
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