Mastercard Black Card vs Chase Sapphire Reserve®

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 Chase Sapphire Reserve, a travel, airline, points and restaurant 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 Chase Sapphire Reserve has a $550 annual fee.

	Mastercard® Black Card™	Chase Sapphire Reserve®
	Read Mastercard Black Card Review
	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	21.74% to 28.74% Variable based on your creditworthiness and other factors
Balance Transfers APR	20.49% to 28.49% (Variable) based on your creditworthiness and other factors	21.74% to 28.74% Variable based on your creditworthiness and other factors
Foreign Transaction Fee	0% of each transaction in U.S. dollars.	$0
Annual Fee	$495 annual fee ($195 for each Authorized User added to the account)	$550 annual fee
	Credit Card Rewards & Benefits
Introductory Bonus Offer		Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Cash Back Rewards	1.5% value for cash back redemptions
Travel Rewards		Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases. 1:1 point transfer to leading airline and hotel loyalty programs
Airline Rewards	2% value for airfare redemptions with no blackout dates or seat restrictions.	1:1 point transfer to leading airline and hotel loyalty programs
Hotel Rewards		1:1 point transfer to leading airline and hotel loyalty programs
Point Rewards		Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other 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.	$300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year. Complimentary Priority Pass™ Select membership for access to 1,300+ airport lounges worldwide. One-time enrollment required for Priority Pass Select
Dining Rewards		3x points on dining at restaurants
Airline Transfer Partners		Chase airline transfer partners include United Airlines, Southwest Airlines, JetBlue, British Airways, Air Canada, Air France, Singapore Airlines, Virgin Atlantic, Iberia, Emirates, and Aer Lingus.
	CreditDonkey® Credit Card Reviews
Pros & Cons	Pros: Stainless steel and carbon card Concierge service Travel benefits Cons: $495 annual fee No signup bonus	Pros: Bonus points Annual travel credit Elite travel benefits Cons: $550 annual fee No introductory annual fee No intro APR
Bottom Line	Stainless steel and carbon card with luxury benefits... Read full review	Ultra premium credit card for luxury travelers... Read full review
	Read Mastercard Black Card Review
See issuer's website for details including terms and conditions. While reasonable effort has been made to maintain accurate and updated information, the information shown on this site may vary, be out of date, or not applicable to you. All information is provided without warranty. When you click on the Apply Now button, you can review the terms and conditions on the issuer's website. 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™ has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

Which is Better: Mastercard Black Card or Chase Sapphire Reserve?

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.