Mastercard Black Card vs American Express Gold

Compare Rewards, Interest Rates, Fees, and Benefits

Mastercard Black Card is a stainless steel and carbon card with luxury benefits. How does it compare to American Express Gold, a points card? Read our comparison chart below.

Keep in mind, the Mastercard Black Card has a $495 annual fee ($195 for each Authorized User added to the account), while the American Express Gold has a $325 annual fee.

	Mastercard® Black Card™	American Express® Gold Card
	Credit Card Interest Rates & Fees
Introductory APR for Balance Transfers	0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening.	N/A
Purchase APR	20.49% to 28.49% (Variable) based on your creditworthiness and other factors	N/A
Balance Transfers APR	20.49% to 28.49% (Variable) based on your creditworthiness and other factors	N/A
Foreign Transaction Fee	0% of each transaction in U.S. dollars.	No foreign transaction fee
Annual Fee	$495 annual fee ($195 for each Authorized User added to the account)	$325 annual fee
	Credit Card Rewards & Benefits
Introductory Bonus Offer		Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
Cash Back Rewards	1.5% value for cash back redemptions
Airline Rewards	2% value for airfare redemptions with no blackout dates or seat restrictions.	Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
Point Rewards		Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Airline Status	Annual Airline Credit—up to $100 in statement credits toward flight-related purchases including airline tickets, baggage fees, upgrades and more. Cardholders simply pay for airline purchases with their Mastercard Black Card and the credit is automatically applied to their account. There's no need to activate or designate an airline. The full credit amount is available at the start of the calendar year. Up to a $120 application fee credit for the cost of TSA Pre✓® or Global Entry. Also, enjoy automatic enrollment in Priority Pass™ Select with access to 1,500+ airport lounges worldwide with no guest or lounge limits. Includes credits at select airport restaurants for cardholder and one guest.
Grocery Rewards		Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Dining Rewards		Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Airline Transfer Partners		Airline transfer partners include Delta, Hawaiian Airlines, Aeromexico, Air Canada, Air France, Emirates, Cathay Pacific (Asia Miles), Virgin Atlantic, Singapore Airlines, Etihad, Alitalia, All Nippon Airways and more.
	CreditDonkey® Credit Card Reviews
Pros & Cons	Pros: Stainless steel and carbon card Concierge service Travel benefits Cons: $495 annual fee No signup bonus	Pros: Welcome bonus 3X points on flights booked directly with airlines or on AmexTravel.com Cons: $325 annual fee
Bottom Line	Stainless steel and carbon card with luxury benefits... Read full review	Good rewards card for cardholders who fly frequently or eat out... Read full review
	Read Mastercard Black Card Review	Read American Express Gold Review
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the issuer's website for details. Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Disclaimer: The information for the Mastercard® Black Card™ and American Express® Gold Card has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer. American Express Gold: Pricing information including interest rates, benefits and fees was obtained on December 19, 2024 from published websites and is believed to be accurate, but not guaranteed.