Mastercard Black Card vs American Express Gold 2023

Compare Rewards, Interest Rates, Fees, and Benefits

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Mastercard Black Card is a sleek metal credit card with luxury benefits. How does it compare to American Express Gold, a points card? Read our comparison chart below.

Credit Card Summary

• Patented black-PVD-coated metal card—weighing 22 grams.
• 2% value for airfare redemptions with no blackout dates or seat restrictions. 1.5% value for cash back redemptions. Earn one point for every one dollar spent.
• Annual Airline Credit—up to $100 in statement credits toward flight-related purchases including airline tickets, baggage fees, upgrades and more. Up to a $100 application fee credit for the cost of TSA Pre✓® or Global Entry.
• Enrollment in Priority Pass™ Select with access to 1,300+ airport lounges worldwide with no guest limit. Includes credits at select airport restaurants for cardholder and one guest.
• 24/7 Luxury Card Concierge®—available by phone, email and live mobile chat. Around-the-clock service to help you save time and manage tasks big and small.
• 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.
• Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard® benefits.
• Annual Fee: $495 ($195 for each Authorized User). Terms and conditions apply.

See Current Offer

• Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
• Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
• Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
• $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.
• $120 Dining Credit: Satisfy your cravings and 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, Milk Bar and select Shake Shack locations. Enrollment required.
• Choose the color that suits your style. Gold or Rose Gold.
• No Foreign Transaction Fees.
• Annual Fee is $250.
• Terms Apply.
• See Rates & Fees

See Current Offer 

Credit Card Interest Rates & Fees

Introductory APR for Balance Transfers0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening.N/APurchase APR19.74% (Variable) based on your creditworthiness and other factorsSee Pay Over Time APRBalance Transfers APR19.74% (Variable) based on your creditworthiness and other factorsN/AForeign Transaction Fee0% of each transaction in U.S. dollars.No foreign transaction feeAnnual Fee$495 annual fee ($195 for each Authorized User added to the account)$250 annual fee 

Credit Card Rewards & Benefits

Introductory Bonus Offer 

Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the 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.

3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.

Point Rewards 

Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.

Airline Status

Annual Airline Credit—up to $100 in statement credits toward flight-related purchases including airline tickets, baggage fees, upgrades and more. Up to a $100 application fee credit for the cost of TSA Pre✓® or Global Entry.

 Grocery Rewards 

Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).

Dining Rewards 

Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S.
$120 Dining Credit: Satisfy your cravings and 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, Milk Bar and select Shake Shack locations. Enrollment required.

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

• Metal design
• Concierge service
• Travel benefits

Cons:

• $495 annual fee
• No signup bonus

Pros:

• Welcome bonus
• 3x points for flights booked directly with airlines

Cons:

• $250 annual fee

Pros:

Bottom LineSleek metal credit card with luxury benefits… Read full reviewGood rewards card for cardholders who fly frequently or eat out… Read full review

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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.