AwardWallet receives compensation from advertising partners for links on the blog. The opinions expressed here are our own and have not been reviewed, provided, or approved by any bank advertiser. Here's our complete list of Advertisers. Offers for Bank of America cards mentioned in this post have been updated as of 08/19/2026
Offers for the Bank of America® Premium
For all we talk about points, miles, and
- Earn 2X points on Airfare and Hotel reservations booked through LuxuryCardTravel.com. One point for every one dollar you spend for all other categories, earning points every time you spend.
- Redeem at 2% value for airfare and 1.5% for cash back. For example, when you redeem 50,000 points you will get $1,000 value for airfare or $750 value in cash back, issued as a direct deposit statement credit.
- $200 Annual Airline Credit: Receive up to $200 in annual statement credits toward flight-related purchases, including airline tickets, baggage fees, upgrades and more. No enrollment or airline designation required.
- $100 Annual Dining Credit: Receive up to $100 in annual statement credits when you use your Luxury Card for restaurant transactions. No enrollment, designated restaurant networks or third-party apps required.
- Receive up to $120 reimbursement credit for a Global Entry or TSA PreCheck® application fee. Global Entry includes access to TSA PreCheck® with no additional application or fee required.
- Your time is valuable and Luxury Card Concierge makes life easier. Agents are available to provide you with personal assistance, tailored to your specific request. Concierge can assist with travel planning, dining reservations, everyday tasks such as sending flowers or researching products and services. Available 24/7: Call, email, text, or chat with agents.
- Enjoy automatic complimentary access to over 1,800 airport lounges. Access includes participating airport restaurants, mini-suites and unlimited visits for yourself as well as your guests.
- Made of Stainless Steel®: A contactless, patented metal card design that raises the standard.
- Exclusive Luxury Card Travel® benefits—average value of $750 per stay (e.g., resort credits, room upgrades, free wifi, breakfast for two and more) at over 3,000 properties. Receive protection benefits like trip cancellation and interruption, auto rental car collision waiver, travel accident and baggage delay. Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard® benefits.
- Annual Fee: $699 ($249 for each Authorized User). Terms and conditions apply.
- Earn one point for every dollar spent
In the wake of Chase removing Priority Pass restaurant access from its credit cards, I'm giving the Mastercard Black Card some serious thought. Let's discuss the card's benefits and why it's a card more people should consider.
Page Contents
Mastercard Black Card and Priority Pass
Sure, that introduction may have been a little sensationalist, but it's for good reason. That's because the Mastercard Black Card, among its other benefits, grants cardholders a Priority Pass Select membership. Even better, its Priority Pass Select membership includes restaurant access.
What's more, that Priority Pass Select membership provides unlimited visits to cardholders and an unlimited number of guests.
That may sound unbelievable, but it's true. The Mastercard Black Card will allow you to bring your family, your friends, and anyone else you know into the lounge for free. They'll also be able to join you at one of Priority Pass' participating restaurants, sleep pods, spas, and game lounges.
If you're familiar with credit card lounge access, you're probably drooling on the screen right now. In an era where lounge access is becoming more restricted, spending requirements are being implemented, and guests are going the way of the Dodo, an uncapped and unlimited Priority Pass membership is astounding.
There are no close competitors to this card's airport lounge access. Some cards come close, but they all miss an important aspect:
- The
Capital One - The Capital One Venture X Business offers a Priority Pass™ membership. However, not everyone is eligible for a business credit card. You can admit two guests free of charge, with aditional guests costing $35 each.
- The Ritz-Carlton™ Credit Card offers a Priority Pass membership with up to two guests. However, obtaining this card is a bit complex.
Other Benefits of the Mastercard Black Card
The Mastercard Black Card charges a $699 annual fee, which puts it firmly in premium credit card territory. For that amount, you get a few benefits, but not as many as you'd expect elsewhere:
- Access to Luxury Card travel
- Complimentary travel insurance
- 24/7 concierge services
- $100 annual airline credit
- Up to $100 TSA PreCheck or Global Entry credit once every five years
- No foreign transaction fees
- Up to $5 monthly Peacock statement credit
- $5 monthly credit with Lyft after three paid rides
- $10 off the second Instacart order each month
- Cell phone protection
While the card only earns 1x point per $1 spent (which is dismal), it does allow you to redeem for airfare at a rate of 2 cents each or 1.5 cents as cash back. That puts it above Chase and
There can be a case made for those who maximize every penny of those statement credits, which ring in at more than $300 each year, as well as Luxury Card travel, which is similar to programs like Amex Fine Hotels + Resorts. However, much of what this card offers can be had elsewhere. It's truly in its Priority Pass membership that it shines.
Credit Cards That Offer Priority Pass Restaurant Access
I'm halfway convinced about getting the Mastercard Black Card since I've always relied on my Chase Sapphire Reserve® for restaurant access at the airport. The fact that anyone I'm traveling with can come with me to nap pods and meals is a big draw for this card, even if its other benefits are lackluster. However, the Mastercard Black Card isn't the only player on the block for Priority Pass benefits.
A few of the cards on this list are probably already known, but I'm betting that many of them (like the Mastercard Black Card), aren't. That's because card issuer websites often fail to specify the particular benefits, so it's only through official confirmation that we truly understand who offers what.
That being said, here is the limited list of cards that offer Priority Pass restaurant access past the June 30, 2024 removal on Chase cards:
- Bank of America
- Citi
- Citi Prestige® Card (no longer open to new applicants)
- Mastercard
- UBS
- U.S. Bank
- U.S. Bank Altitude™ Reserve Visa Infinite® Card
- U.S. Bank Altitude® Connect Visa Signature® Card
- U.S. Bank Business Altitude Connect Card
The biggest issue with these cards is that they either have limited visits (such as U.S. Bank cards), aren't available to new applicants (such as the Prestige Card), or otherwise limit Priority Pass access.
Still, if I had to pick an alternative, I'd maybe go for the Bank of America Premium Elite Card. It's got a $550 annual fee, but I'm trying to climb the BofA Rewards™ ladder, which will (hopefully) one day earn me a 75% bonus on my points.
The Bottom Line
The Mastercard Black Card is looking more appealing than ever, now that so many credit cards are dropping Priority Pass restaurant access. Along with unlimited visits, cardholders can bring unlimited guests, which is unheard of in the credit card world. Imagine treating all of your aunts and uncles to a meal at the airport.
- Earn 2X points on Airfare and Hotel reservations booked through LuxuryCardTravel.com. One point for every one dollar you spend for all other categories, earning points every time you spend.
- Redeem at 2% value for airfare and 1.5% for cash back. For example, when you redeem 50,000 points you will get $1,000 value for airfare or $750 value in cash back, issued as a direct deposit statement credit.
- $200 Annual Airline Credit: Receive up to $200 in annual statement credits toward flight-related purchases, including airline tickets, baggage fees, upgrades and more. No enrollment or airline designation required.
- $100 Annual Dining Credit: Receive up to $100 in annual statement credits when you use your Luxury Card for restaurant transactions. No enrollment, designated restaurant networks or third-party apps required.
- Receive up to $120 reimbursement credit for a Global Entry or TSA PreCheck® application fee. Global Entry includes access to TSA PreCheck® with no additional application or fee required.
- Your time is valuable and Luxury Card Concierge makes life easier. Agents are available to provide you with personal assistance, tailored to your specific request. Concierge can assist with travel planning, dining reservations, everyday tasks such as sending flowers or researching products and services. Available 24/7: Call, email, text, or chat with agents.
- Enjoy automatic complimentary access to over 1,800 airport lounges. Access includes participating airport restaurants, mini-suites and unlimited visits for yourself as well as your guests.
- Made of Stainless Steel®: A contactless, patented metal card design that raises the standard.
- Exclusive Luxury Card Travel® benefits—average value of $750 per stay (e.g., resort credits, room upgrades, free wifi, breakfast for two and more) at over 3,000 properties. Receive protection benefits like trip cancellation and interruption, auto rental car collision waiver, travel accident and baggage delay. Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard® benefits.
- Annual Fee: $699 ($249 for each Authorized User). Terms and conditions apply.
- Earn one point for every dollar spent
