It can be tough to find a truly great credit card. Even for someone comfortable paying a hefty premium annual fee, it's tough to spot a card that offers real peace of mind protection, personalized service and generous rewards on all your purchases. What most people might not realize is how much time can go into the rotating categories, the credit card shuffle, and all the redemption hoops. Time is money, and that's why the Mastercard® Black Card™ deserves significant attention for ticking boxes that are rarely seen in a credit card. Paired with Luxury Card's discerning approach to new cardmembers, they raise standards by offering personalized service that goes the extra mile and handles requests urgently.

Busy professionals don't spend their time, they invest it. You can always make more money, but you can't make more time, right? Couldn't you use the perks of an elite credit card? The kind of Black Card that caters to your needs and makes the complex simple? One of the Luxury Card's most popular member benefits is the reliable 24/7 concierge service. It's available for any request big or small, wherever you are. Need dinner reservations, concert tickets booked or travel plans arranged? Looking for the best last-minute flight, a one-of-a-kind proposal destination or need a gift delivered ASAP? The concierge is your extra set of eyes, a deep bag of ideas and the key to opening the door to a wide range of exclusive experiences.

Put another way, this is the last credit card you need. Because it's likely the only credit card you will use. Why? It's a great card to travel with—no foreign transaction fees, plenty of protection, a slew of upgrades at thousands of global properties and complimentary access to airport lounges. It offers flexibility to decide between cash back and travel rewards. Are you sick of your points losing value or worrying about how to redeem them without losing value? The Mastercard Black Card beats the competition when it comes to both value for “cash back” and airfare redemption rate. So if you're ready to stop shuffling plastic and rely on just one impressive steel Mastercard, apply now. It has a difference you can feel, and the difference is in the details.