The 75,000 points on the Luxury Card Mastercard Black Card come with two conditions, not one. You earn them after spending $6,000 on purchases and paying the annual fee in full, both within your first 90 days. Spend alone doesn't trigger them.
- Bonus: 75,000 points
- Spend: $6,000 in purchases in the first 90 days
- Annual fee: $699, with $249 for each authorized user, and it has to be paid in full inside those same 90 days
Points redeem for airfare or cash back. Luxury Card shows a different value for each, so check both rates on its page before you decide how you would use them.
The bonus can only be earned once, and you may not qualify if you currently have or previously had an account with Luxury Card in this program. The offer is subject to credit approval. The page labels it limited time and shows no end date, so check Luxury Card's page for the current terms before you apply.
This is a high fee, high spend card, and it suits one kind of person: someone who would put $6,000 on it in 90 days anyway and will use what the fee buys, which includes up to $200 in annual airline credit, up to $100 in annual dining credit and Priority Pass Select lounge access. If you would be stretching to hit the spend, or those credits would not touch your travel, the bonus is not worth the $699.
Disclosure
crazy4points is not affiliated with, sponsored by, or endorsed by Luxury Card or Barclays Bank Delaware. Some links on crazy4points may be affiliate links, which means we may earn a commission at no extra cost to you. This is editorial information, not financial, tax, or credit advice, and it is not a recommendation to apply for the Luxury Card Mastercard Black Card. The welcome offer of 75,000 points, the requirement to spend $6,000 on purchases and pay the annual fee in full within the first 90 days, the $699 annual fee, and the $249 annual fee for each authorized user are set by Luxury Card and Barclays Bank Delaware and are accurate as of October 2026. The bonus can be earned only once and may be unavailable if you currently have or previously had an account with Luxury Card in this program. The offer is subject to credit approval. Welcome offers, fees, eligibility, benefits, and terms can change at any time, and approval is not guaranteed. Statement credits, lounge access, and other card benefits carry conditions set by the issuer. Confirm the current terms on the official Luxury Card page before you apply, and consider your own situation before taking on a new card or annual fee.
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- Published
- October 6, 2026