Luxury Card Black
Barclays$699 a yearWorld Elite MastercardNo foreign transaction feeIssuer's page
A fair time to apply if the card fits how you spend.
Already have it? On typical spending it does not cover the annual fee: weigh a downgrade or closing it before it renews.
Welcome bonus
75,000points
after $6,000 in purchases in the first 3 months
6/24 Rule, 24 Month Rule and 2 more. Am I eligible?
A typical spender, at Miles' point values.
| First-year value | Amount |
|---|---|
| Welcome bonus75,000 points at 1.5¢ | $1,125 |
| Rewards above a 2% no-fee cardvs Double Cash, on $32,500 typical spend | $0 |
| Credits you'll likely useof $330 face value | +$231 |
| Annual fee | −$699 |
| Meeting the $6,000 minimumearns 1.5% here vs 2% on Double Cash | −$30 |
| First year | $627 |
| Each year after | −$333 |
Not counted in the first year: lounge access and protections (each year after counts them).
Earning
| Rate | Category | Return |
|---|---|---|
| 2X | Flights booked through LuxuryCardTravel.com | 3% |
| 2X | Hotels booked through LuxuryCardTravel.com | 3% |
| 1X | Everything else | 1.5% |
Noteworthy perks
- Airline Credit$200 a year
- Priority Pass Select
- Dining Credit$100 a year
Personal card · Earns Luxury Card Points · Authorized user fee $249
Benefits
Credits & Perks (3)
- Airline Credit: $200 (Annual Calendar Year)
Up to $200 in statement credits per calendar year on airline purchases identified by merchant category code. Usable with any airline. Purchases by the cardmember or an authorized user count.
- Dining Credit: $100 (Annual Calendar Year)
Up to $100 in statement credits per calendar year on restaurant purchases, identified by merchant category code, at restaurants worldwide. Food delivery services may be excluded.
- Global Entry/TSA PreCheck: $120 (Every 4 Years)
Reimburses the Global Entry or TSA PreCheck application fee, up to $120, once every 4 years (the initial fee and renewals). Other Trusted Traveler programs are not eligible.
Lounge Access (1)
- Priority Pass Select (Unlimited): unlimited free guests
Protections (3)
- Trip Cancellation/Interruption, up to $5,000, Trip cancellation/trip interruption coverage, up to $5,000 per insured person.
- Baggage Delay, Baggage delay insurance, up to $100 per day for up to 3 days.
- Auto Rental Collision Damage Waiver (secondary), Rental vehicle coverage is secondary rather than primary.
Other Perks
- Luxury Card Concierge service
- Additional benefits on select luxury hotel stays booked through LuxuryCardTravel.com
- Points redeem at 1.5 cents each as a statement credit or direct deposit and 2 cents each for airfare
Sources and methodology
First-year value is Miles' estimate for a typical spender: the welcome bonus at Miles' point values, plus the rewards this card earns above the best no-annual-fee card's everyday rate on a typical year of spending, plus credits at the share a typical holder uses rather than their face value, plus any certificate or free night earned in that year, minus the first-year fee and the cost of putting the minimum spend on this card instead of that one.
Lounge access, elite status, other benefits, purchase and travel protections, and a certificate or free night that arrives on the card's anniversary are listed beside the first-year figure, not in it. Each year after counts them, with the rewards and credits, less the annual fee. A credit or benefit that needs a spend or a stay counts only where its condition is printed beside it, and credits gated on spend most people never reach are left out.
The fee, offer, earning rates, credits and protections come from the card's record in the Miles dataset, kept against the issuer's own terms. The verdict line is chosen from a fixed set of sentences by Miles' analysis of the offer and the card; nothing on this page is written by hand for one card.
Recent changes
- addedOct 14, 2026