Luxury Card Mastercard Black Card Offers 75,000 Bonus Points
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The Mastercard Black Card® from Luxury Card is offering 75,000 bonus points to new cardholders, a limited-time welcome offer available as of October 4, 2026. To earn it, you need to spend $6,000 on purchases and pay the $699 annual fee in full, both within the first 90 days after account opening.
The Luxury Card Black Card bonus is easy to value because the points have fixed redemption rates: 2% toward airfare and 1.5% toward cash back. That puts 75,000 points at $1,500 in airfare or $1,125 in cash back. Barclays Bank Delaware issues the card.
Luxury Card Black Card Bonus: The Requirements
Four conditions apply to the 75,000-point welcome offer.
- Spend $6,000 on purchases (less credits, returns and adjustments) within 90 days of account opening
- Pay the $699 annual fee in full within the same 90 days
- Be new to the card: current or past Mastercard Black Card holders may not be eligible
- Live in the United States: the offer excludes U.S. territories
The annual fee condition is unusual. If you pay only the minimum due each month, the $699 fee may still be unpaid on day 90, and the bonus is lost. The fee counts as paid once your payments equal or exceed $699. The bonus points then appear on the billing statement after you qualify.
What 75,000 Luxury Card Points Are Worth
Luxury Card points have two fixed values, so there are no transfer partners or award charts to study. 50,000 points book $1,000 in airfare, and the same 50,000 points return $750 in cash back.
| Redemption | Value per point | 50,000 points | 75,000 points |
|---|---|---|---|
| Airfare | 2 cents | $1,000 | $1,500 |
| Cash back (statement credit or bank deposit) | 1.5 cents | $750 | $1,125 |
Cash back can go to your statement or to a U.S. checking or savings account, with a $500 daily limit on bank deposits. Gift cards start at 2,500 points. Points do not expire while the account stays open and in good standing.
Earning Rates and Annual Credits
Outside the bonus, the Mastercard Black Card earns:
- 2 points per $1 on hotels and airfare booked through LuxuryCardTravel.com (hotels must be prepaid)
- 1 point per $1 on all other net purchases
The card also carries these recurring benefits:
- $200 annual airline credit: each calendar year, for airfare, baggage fees, lounge access and some in-flight purchases
- $100 annual dining credit: each calendar year, at restaurants
- Global Entry or TSA PreCheck: a statement credit of up to $120, available again every 4 years
- Priority Pass Select: lounge membership for the primary cardholder and authorized users, guests included
There are no foreign transaction fees. Each authorized user costs $249 a year. New accounts also get a 0% introductory APR for 15 billing cycles on balance transfers made within 45 days of opening, with a 5% fee (minimum $5). After that, the variable APR is 19.74% to 27.74%.
Both statement credits reset on January 1. A cardholder approved in October 2026 can use the 2026 credits, then the 2027 credits, before the second annual fee comes due.
Is the $699 Annual Fee Worth It?
In the first account year, the numbers line up like this for someone who uses both credits in two calendar years:
- Bonus at the cash back rate: $1,125
- Bonus at the airfare rate: $1,500
- Airline and dining credits, 2026 and 2027: up to $600
- Annual fee: $699
Net of the fee, that leaves about $1,026 in value at the cash back rate, or about $1,401 if the bonus goes to airfare.
From year two, the bonus is gone. A $699 card that returns 1.5% in cash on everyday spending has to justify its fee through the $300 in yearly credits and Priority Pass. If you rarely fly, the math stops working.
If you prefer transferable points to fixed-value points, compare this offer with the Chase Sapphire Reserve® and its current Sapphire Reserve welcome bonus, or with The Platinum Card® from American Express and its Amex Platinum welcome offer.
Bottom Line
Apply if you can put $6,000 on the card and pay the $699 fee within 90 days, and if you will use the $200 airline and $100 dining credits in both 2026 and 2027. Redeem the 75,000 points for airfare to get $1,500 in value rather than $1,125 in cash.
Skip the card if you would not use the credits or the lounge access: the 1.5% cash back rate does not cover the fee on its own. Browse our credit cards guide for alternatives, and sign up for our newsletter to hear when offers like this one change.
How many bonus points does the Luxury Card Mastercard Black Card offer?
New cardholders can earn 75,000 bonus points. You must spend $6,000 on purchases and pay the $699 annual fee in full, both within the first 90 days after account opening.
How much are 75,000 Luxury Card points worth?
75,000 points are worth $1,500 when redeemed for airfare at 2 cents per point. Redeemed for cash back at 1.5 cents per point, they are worth $1,125.
When does the 75,000-point offer end?
Luxury Card calls it a limited-time offer but shows no end date as of October 4, 2026. The offer can be withdrawn without notice, so apply while it is still listed if the card fits your spending.
Do I have to pay the annual fee to earn the bonus?
Yes. The $699 annual fee must be paid in full within 90 days of account opening, on top of the $6,000 spend. Paying only the minimum due each month may leave the fee unpaid and cost you the bonus.
Can I earn the bonus if I had the Black Card before?
Probably not. Current or former Mastercard Black Card holders may not be eligible for the bonus. The offer is also limited to U.S. residents and excludes U.S. territories.
Which annual credits come with the Mastercard Black Card?
The card includes a $200 airline credit and a $100 dining credit each calendar year. It also reimburses up to $120 for Global Entry or TSA PreCheck and includes a Priority Pass Select membership.
How many points does the card earn on everyday purchases?
The card earns 1 point per $1 on all net purchases. Hotels and airfare booked through LuxuryCardTravel.com earn 2 points per $1, and hotel stays must be prepaid to qualify.
Does the Luxury Card Black Card charge foreign transaction fees?
No. The card charges a 0% foreign transaction fee, so purchases abroad cost nothing extra. Each authorized user adds $249 a year to the cost of the account.