What is Luxury credit card?

Luxury credit cards offer perks above and beyond standard credit cards at the cost of high annual fees and demanding membership requirements. Benefits range from access to exclusive airport lounges and travel rebates, to rewards rates that outpace standard cards.

To qualify, you’ll need excellent credit scores and a strong income. So, before applying, check your credit score and credit report to make sure you’re a good candidate. You can also see if you’re pre-approved for any credit cards (you may find a luxury card waiting for you to apply). If your scores aren’t so good, build your credit with other credit cards first.

Mastercard® Gold Card™

Mastercard® Gold Card™

Each Mastercard Gold Card is made with a 24K-gold-plated stainless steel front and carbon back. With 46 patents issued globally, Luxury Card leads the industry in metal card design and construction by combining advanced technology and design principles to create durability and distinction.

Mastercard Gold Card members receive up to $200 in annual air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more. For your convenience, Luxury Card automatically applies the credit to your account.

Ongoing Annual Fee

$995 ($295 for each Authorized User)

Intro Balance Transfer APR

0%

24/7 complimentary Luxury Card Concierge®

Available by phone, email, and industry-first mobile chat

Patented Card Design

24K-gold-plated stainless steel front and carbon back

  • 2% Value for Airfare Redemptions with no blackout dates or seat restrictions
  • 2% Value for Cash Back Redemptions
  • Exclusive Luxury Card Travel® Benefits
  • $200 Annual Airline Credit Toward Qualifying Purchases
  • $100 Global Entry Application Fee Credit

or

Overall Rating

Mastercard® Titanium Card™

Mastercard® Titanium Card™

Each Mastercard Titanium Card is designed with a unique brushed stainless steel front and carbon back. With 46 patents issued globally, Luxury Card leads the industry in metal card design and construction by combining advanced technology and design principles to create durability and distinction. Every detail of your card reflects excellence and represents the exclusivity of your membership.

Whether paying online, in-store, in-app or via a wearable, we monitor the security of your transactions, so you can purchase with peace of mind while keeping your personal information safe.

Ongoing Annual Fee

$195 ($95 for each Authorized User)

Patented card design

Black-PVD-coated stainless steel front and carbon back

Foreign Transaction Fee

0% of each transaction in U.S. dollars.

Patented metal card design

Brushed stainless steel front and carbon back

  • 2% Value for Airfare Redemptions with no blackout dates or seat restrictions
  • 1% Value for Cash Back Redemptions
  • Exclusive Luxury Card Travel® benefits
  • 24/7 complimentary Luxury Card Concierge® – Available by phone, email, and industry-first mobile chat
  • Members-Only LUXURY MAGAZINE®
  • Mastercard World Elite benefits

or

Overall Rating

Mastercard® Black Card™

Mastercard® Black Card™

You can travel and buy with confidence and peace of mind knowing you have access to a variety of benefits to make your trip more pleasant and your shopping more secure. Terms, conditions and restrictions apply, see your Guide to Benefits for complete details.

Enjoy complimentary access to more than 1,200 airport lounges around the world with Priority Pass Select—regardless of the airline you are flying or class of ticket you have booked. For your convenience, Mastercard Gold Card and Mastercard Black Card members are automatically enrolled in the Priority Pass Select program.

Ongoing Annual Fee

$495 ($195 for each Authorized User)

Airfare Redemptions

2% value with no blackout dates or seat restrictions

Global Entry Application Fee Credit

$100

Cash Back Redemptions

1.5% Value

Patented card design

black-PVD-coated stainless steel front and carbon back

  • 24/7 complimentary Luxury Card Concierge®–available by phone, email, and industry-first mobile chat
  • Exclusive Luxury Card Travel® benefits
  • $100 Annual Airline Credit
  • Mastercard World Elite benefits

or

Overall Rating

Benefits of Luxury Credit Cards

Luxury credit cards are proposed for the most demanding clients. Besides loyal card credit rates and a variety of bonus programs, the owners of luxury credit cards can take advantage of incredible service.

Luxury cards not only demonstrate the status of their owner, but also provide a number of advantages. Apparently, one of the main features of all luxury credit cards is concierge service. Some people think that a concierge service is just a separate line at the contact center of a bank, or a personal manager. But the possibilities of the concierge service are much wider.

Boxed

Boxed is an online, wholesale shopping destination where you can stock up on groceries, household items, health supplies, and more in bulk without a membership fee. Place orders through the app or website and get everything delivered right to your door. Cardholders receive 5% Cash Rewards on eligible purchases at Boxed.

Travel Accident Insurance

As a Luxury Card member, you and your family will be automatically insured up to $250,000 against accidental loss of life or dismemberment if you purchase your common carrier travel tickets with your eligible Luxury Card.

Postmates

Postmates helps people unlock the best of their cities – and their lives, with an insanely reliable “everything” network. Postmates is the first on-demand company – helping customers in 650 US cities & Mexico get anything, anytime, anywhere. World Elite Mastercard cardholders receive $5 discount on all orders over $25.

ShopRunner

ShopRunner is an online shipping service that helps its members save both time and money. ShopRunner members receive unlimited free two-day shipping and free return shipping on purchases at more than 140 online stores, including clothing, shoes, beauty, electronics, home, gifts and more. Retailers include Neiman Marcus, Lord & Taylor, American Eagle, Tory Burch, Calvin Klein, Kate Spade, 1-800-Flowers.com and many more.

onefinestay

onefinestay provides access to over 10,000 high-end rental homes around the world. The local guest services team welcomes you at the home and is available 24/7. Each home is stocked with high quality sheets, towels and toiletries. Cardholders receive a 10% discount on all onefinestay bookings. You will also receive free Wifi and a complimentary iPhone, with free local calls and data, to use during your stay.

Lyft

Lyft is a rideshare service that matches you with a nearby driver who’ll take you wherever you’re going. You can use the Lyft app to order a ride on demand or schedule a future ride. You can get $10 in Lyft credit every month when you take 5 rides and pay with your World Elite Mastercard.

Global Assistance Service

Emergency assistance is available to you anytime, anywhere and in any language. This includes worldwide, 24-hour assistance with lost or stolen cards, obtaining an Emergency Card Replacement or Emergency Cash Advance.

Fandango

Fandango is the movie destination to buy movie tickets and stream at home or on the go with FandangoNOW – available via website, mobile app and supporting devices. Fandango gives movie fans more with its loyalty program, Fandango VIP. You can join for free for great perks and get rewarded for going to the movies. All Fandango VIP members earn 125 Fandango VIP+ points for every ticket they buy. When you rack up 500 points, you receive a $5 reward towards more movies at home or in the theater. World Elite Mastercard cardholders get rewarded even faster and are eligible to earn double the points for the tickets they buy, 250 points per ticket. This means that World Elite cardholders are eligible to earn a $5 reward for every 2 movie tickets purchased on Fandango.

Disclaimer

CreditNervana promises to keep our information as accurate and up-to-date as possible. However, you should always consult a financial advisor for specific questions about personal or business finances and investment opportunities, especially if you are looking in your area. Working with a trained professional who is familiar with your case is a safe and guaranteed way to make the best investment decision possible. Please review our terms and conditions before making any decision based on the information we provide. Financial institutions are constantly changing. Because of this, it’s a good idea to cross check the information you read here with any company you are considering working with.

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