Mastercard® Black Card™ vs American Express® Gold Card

Compare Rewards, Interest Rates, Fees, and Benefits

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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.

	Mastercard® Black Card™	American Express® Gold Card


	Credit Card Summary
	Ideal for those seeking a top-of-wallet premium card with straightforward rewards and exceptional service. Cardholders can avoid juggling various cards and monthly statements while benefiting from travel perks and enhanced protection that exceeds standard credit cards. Offers a flat-rate redemption value of 1.5% for cash back or 2% value for airfare redemption with no airline or seat restrictions and no blackout dates. Cardholders earn one point for every dollar spent. Point redemption is simple, without requiring a complex reward strategy. The card features no foreign transaction fees, no earning caps, no rotating categories, and eliminates the need to pursue transfer partners to maximize point values. 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. 24/7 Luxury Card Concierge®—Make requests the way you want by phone, email, SMS and chat in the app. Connect directly with a real agent and receive 24/7 assistance for tasks big and small. Requests do not require a purchase, incur no charge for making them, and do not involve department transfers. Exclusive Luxury Card Travel® benefits—average value of $500 per stay (e.g., resort credits, room upgrades, free wifi, breakfast for two and more) at over 3,000 properties. Receive protection benefits like trip cancellation and interruption, auto rental car collision waiver, travel accident and baggage delay. Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard® benefits. Black PVD-Coated Metal Card: Weighing in at an industry-leading 22g. Designed for frequent shoppers, big ticket purchases and everything in between. Annual Fee: $495 ($195 for each Authorized User). Terms and conditions apply. See Current 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. 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. $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year. Effective 11/8/2024, an Amex Card must be selected as the payment method for your Uber or Uber Eats transaction to redeem the Amex Uber Cash benefit. $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required. $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required. Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges with every booking of two nights or more through AmexTravel.com. Eligible charges vary by property. No Foreign Transaction Fees. Annual Fee is $325. Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted. Terms Apply. See Rates & Fees See Current Offer
	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	20.74% to 28.74% (Variable) based on your creditworthiness and other factors	See Pay Over Time APR See Rates & Fees
Balance Transfers APR	20.74% to 28.74% (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.
	Go to issuer's official application, terms, and details	Go to issuer's official application, terms, and details
	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

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