Luxury Black credit card review: is it worth it?

This review will show you the benefits you'll get with the Luxury Black credit card. Is this the ideal travel credit card for you? You'll find out reading this content.


Luxury Black credit card: 2% cashback and $100 in statement credits to travel.

luxury black credit card
This metal card comes in a beautiful wood box. Source: The Mad Capitalist.

If you’re a high net business person who likes to travel and enjoy premium benefits, then you may be interested in the Luxury Black credit card.

In this review, we’ll take a close look at what the card has to offer and whether it’s worth the annual fee. We’ll also provide some tips on how you can get the most out of your Luxury Black experience. If you’d like to learn about this, please keep reading.

luxury black credit card

How do you get the Luxury Black card?

Receive a beautiful wood box with your Luxury Black credit card. This metal card comes full of benefits. Learn how to apply!

Credit ScoreGood/Excellent
Annual Fee$495
Regular APR 0% Intro APR for 15 months. After that, 14.99%, Variable
Welcome bonusNo welcome bonus.
Rewards1x point per dollar; 2% value for airfare redemptions; 1,5% value for cashback redemption.

Luxury Black credit card

Unlike what usually happens, the Luxury Black car is less exclusive than the Luxury Gold. So this card is not a member of the ultra-exclusive black card family, having a lower annual fee and fewer VIP benefits.

Luxury Card has made a considerable investment in the card’s design. It has a patented technology of black-PVD-coated metal in a 22g weight card. It’s heavy. But are the benefits as heavy as the card?

You’ll take better advantage of it if you’re a frequent traveler. The points you make at purchases are worth 2% cashback for purchasing air tickets. Also, you’ll have $100 in statement credit for travel-related purchases, and an amazing $500 credit at selected hotels to enjoy a premium experience.

Luxury Black Credit card: should you get one?

woman at resort
Luxury Black credit card will give you $500 in statement credits to enjoy your favorite resort. Source: Freepik

The card has a high annual fee and no welcome bonus. This means that it will be difficult to accumulate enough points to recover the cost value of the card. The credits aren’t too high either. Other cards with similar or even lower annual fees have more valuable benefits. You need to evaluate your spending and how much you could recover in cashback.

Take a look at the pros and cons to see if it’s worth it for you:


  • 1x points for every dollar spent, with no bonus categories.
  • Your points are worth 2% cashback for Airfare purchases, and 1,5% for statement credit or account deposit.
  • $500 credit for benefits in selected hotels (like breakfast, rooms updates, spa services, and more).
  • Access to airport lounges and preferential boarding.


  • High annual fee.
  • No welcome bonus, whats makes it harder to collect enough points to enjoy the rewards program.

Multiple personalized credit card offers

Applying won't hurt your credit score

You will be redirected to another website

Credit scores required

Your credit score needs to be good or excellent to get this card. The main reason is that the card has a high annual fee and VIP benefits, and needs to assure that the members can admin their credit accounts with no further problems.

Luxury Black credit card application: how to do?

After reading this review, have you decided to give the Luxury Black card a chance? If you have what it takes to have one, you can apply for it online. Is easy, and you can do it without leaving the couch. Just click the following content and we’ll explain to you how to apply for the Luxury Black.

luxury black credit card

How do you get the Luxury Black card?

Receive a beautiful wood box with your Luxury Black credit card. This metal card comes full of benefits. Learn how to apply!

About the author  /  Julia Bermudez

Julia Bermudez is a writer here on this portal. Since childhood, writing has been a passion, and her curiosity for different subjects led to this profession. Julia has a degree in Cultural Production, and her subjects of most significant interest are health, finances, and self-development.

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