Mastercard® Black
Barclays and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Barclays. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The Mastercard® Black from Barclays earns up to 1.5% effective value on dining in Madeen's catalog snapshot. Its annual fee is $699.
- Top category
- Dining
- Effective value
- 1.5%
- Annual fee
- $699
Best for dining-heavy spend when the $699 fee fits your usage; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 1.5% back. Travel perks may add value beyond the earn rate.
What does the Mastercard Black earn in each category?
Dining is the strongest category at 1.5% effective value (1.5% back). That dining rate ranks higher than about 35% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Mastercard Black compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 1.5% effective value (1.5% back). That dining rate ranks higher than about 35% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Mastercard Black compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1.5% back | 1.5% Top category |
| Grocery Supermarkets and grocery stores | 1.5% back | 1.5% |
| Gas Gas stations and fuel | 1.5% back | 1.5% |
| Travel Flights, hotels, transit | 1.5% back | 1.5% |
| Other General everyday spend | 1.5% back | 1.5% |
Madeen values cash back 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 1.5% back. Best for spenders who put meaningful volume in dining and can earn 1.5% back. Travel perks may add value beyond the earn rate.
Mastercard Black fits spenders who put meaningful volume in dining and can earn 1.5% back. Madeen ranks its dining effective rate higher than about 35% 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 1.5% back. 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.
Pros
- Strongest Madeen category is dining at about 1.5% effective (1.5% back).
- 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.
Does the Mastercard Black have an annual fee?
The Mastercard Black has an annual fee of $699 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- 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 access
VIP Priority Pass™ Select Airport Lounge Access
What benefits come with the Mastercard Black?
Trip Cancellation / Trip Interruption
$5,000/yrProvides secondary coverage for a covered, roundtrip purchase when you use your eligible card. You can be reimbursed for the cost of the non-refundable, roundtrip expenses up to $5,000 per insured person if certain accidental covered events cause you to cancel or interrupt your trip for a covered reason.
Travel Accident Insurance
$3,000/yrReceive up to $250,000 coverage for eligible common carrier accidental death & dismemberment, at no additional cost, when you charge your entire travel fare to your eligible card for a covered trip.
2% Value for Airfare Redemptions
$1,000/yrEarn $1,000 toward airfare when you acquire 50,000 points—with no blackout dates or seat restrictions.
Baggage Delay Insurance
$300/yrBaggage 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).
$200 Annual Airline Credit
$200/yrReceive up to $200 in annual air travel credits toward flight-related purchases, including airline tickets, baggage fees, upgrades and more.
$120 Global Entry or TSA Pre?® Application Credit
$120/yrMastercard 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.
$100 Annual Dining Credit
$100/yrDine and Earn. Get up to $100 in annual statement credits when you use your Luxury Card at qualifying restaurants.
VIP Priority Pass™ Select Airport Lounge Access
$99/yrWith your Luxury Card, enjoy complimentary access to over 1,700 airport lounges and travel experiences in more than 600 cities across 145 countries with Priority Pass Select. Access includes unlimited visits for yourself as well as your guests.
Cellular Phone Protection
$25/yrSimply 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.
MasterRental Coverage
$25/yrProvides secondary coverage for covered damages to an eligible rental vehicle when you pay for the entire rental transaction using your card and decline the coverage offered by the rental agency.
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.
2X Earn on Airfare and Hotel
Earn double the points when you book your airfare or hotel through LuxuryCardTravel.com.
Related encyclopedia topics
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.
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.
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.
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. Compare effective rates across the cards you already carry in Madeen.
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.
How do you redeem rewards on the Mastercard Black?
Rewards on the Mastercard Black post as cash back. Redemption value depends on how you use cash back (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
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 |
Side-by-side comparisons
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
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Barclays and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Barclays. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
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