Mastercard Black Card Requirements (2024)

FAQs

Mastercard Black Card Requirements? ›

The Mastercard® Black Card™ is designed for consumers with good to excellent credit, and a FICO® Score of 670 at a minimum is recommended before applying. Having a higher credit score will help your chances, as most approved applicants have a score of 700 or more.

The Mastercard® Black Card™ is designed for consumers with good to excellent credit, and a FICO® Score of 670 at a minimum is recommended before applying. Having a higher credit score will help your chances, as most approved applicants have a score of 700 or more.

Black cards usually require a high level of spending and are invitation-only, but if you have good or excellent credit there is one you can apply for.

There's no credit limit

The American Express Black Card doesn't have a pre-set spending limit, so cardholders can spend as much as they want every month. But that's only the case if they can afford it. The Centurion® Card from American Express is a charge card, so cardholders can't carry a balance.

What is the most prestigious credit card? One of the world's most prestigious credit cards is the Centurion® Card from American Express*. Though there may be other cards with more elaborate benefits, those cards are kept well under wraps.

Good credit required.

The same good or excellent credit needed to get the Mastercard Black Card also qualifies you for the market's best travel rewards cards. So if you check your credit score and discover that it fits the bill, make sure to check out those other offers.

The Mastercard Black Card technically falls into the luxury card category, but unlike most luxury cards, you apply for it instead of receiving an invitation. Plus, the card's numerous travel benefits make it more like a travel credit card.

With high entry requirements and high fees, black credit cards have a well-earned reputation for exclusivity. Though card specifics, like invitations, are hard to come by, it's likely that aside from bragging rights, you'll be better served by a premium rewards credit card instead.

The Centurion Black Card is invitation-only

And a Centurion Card invitation isn't something AmEx hands out lightly. While AmEx services over 100 million cardholders, there are estimates that AmEx only has 100,000 Centurion cardholders worldwide.

What is the minimum income for the Amex Black Card? ›

You must have a minimum yearly salary of $100,000. and receive an invitation to apply for an Amex Black card.

You can't purchase a physical real estate property outright with a credit card the way you would when using a credit card to buy lunch or a new television. One reason for this is because a typical consumer credit card likely doesn't offer a credit line large enough to cover the entire home price.

The main Mastercard® Black Card requirements are that an applicant must be at least 18 years old with a valid Social Security number or Individual Taxpayer Identification number. Applicants must also have a physical U.S. address, enough income to make monthly minimum payments, and at least good credit.

No, there aren't any credit cards higher than the “Amex Black Card.” Officially called the Centurion® Card from American Express, the Amex Black Card is far and away the most exclusive, prestigious credit card on the market.

The card likely requires an excellent credit score of 800 or higher. American Express previously allowed existing Amex cardholders to inquire about Centurion membership through a short interest form online. The form is currently unavailable, and there is no indication as to whether it will reappear in the future.

The Mastercard® Black Card™ is designed for people with excellent credit. The card earns one point per dollar on purchases. Points have a 2% value for airfare redemptions and a 1.5% value for cash back redemptions. That means one point is worth 2 cents when redeemed for airfare or 1.5 cents when redeemed for cash.

The Mastercard Black has a pricey annual fee of $495, plus a $195 fee for each authorized user.

On our list, the card with the highest reported limit is the Chase Sapphire Preferred® Card, which some say offers a $100,000 limit. We've also seen an advertised maximum credit limit of $100,000 on the First Tech Odyssey Rewards™ World Elite Mastercard®, a credit union rewards card.

The Centurion Black Card is invitation-only

And a Centurion Card invitation isn't something AmEx hands out lightly. While AmEx services over 100 million cardholders, there are estimates that AmEx only has 100,000 Centurion cardholders worldwide.