Mastercard Black Card vs American Express Platinum
Mastercard Black Card is a stainless steel and carbon card with luxury benefits. How does it compare to American Express Platinum, a travel and airline 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 Platinum has a
Mastercard® Black Card™ | The Platinum Card® from American Express | |
|---|---|---|
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) | |
Credit Card Rewards & Benefits | ||
| Introductory Bonus Offer | Earn 80,000 Membership Rewards® Points after you spend $8,000 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 | |
| Travel Rewards | Travel Rewards | |
| Airline Rewards | 2% value for airfare redemptions with no blackout dates or seat restrictions. | Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year. |
| Hotel Rewards | Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel. | |
| Point Rewards | 1 point for virtually every dollar spent. | |
| 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. | $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®. Enrollment required Complimentary access to 5 airport lounge networks including The Centurion® lounge network, The International American Express lounges, Delta Sky Club® lounges, Priority Pass™ Select, and Airspace Lounge. Enrollment required for Priority Pass Select. |
| Hotel Status | $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using your Platinum Card®. The Hotel Collection requires a minimum two-night stay. Enroll for complimentary Marriott Bonvoy Gold Elite Status. Enroll for complimentary Hilton Honors Gold Status. | |
| 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:
| Pros:
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| Bottom Line | Stainless steel and carbon card with luxury benefits... | Excellent card for frequent travelers... |
| Read Mastercard Black Card Review | Read American Express Platinum 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 The Platinum Card® from American Express has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer. American Express Platinum: 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. | ||
Which is Better: Mastercard Black Card or American Express Platinum?
Still need help deciding which travel credit card is better? Read the in-depth reviews below. You may also be interested in comparing Mastercard Black Card or Chase Sapphire Preferred.
Articles on Mastercard® Black Card™
Mastercard Black Card Review
Articles on The Platinum Card® from American Express
American Express Platinum
Do You Need a Good Credit Score for an Amex Platinum
American Express Platinum Credit Score Needed
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