Is the Barclays Luxury Card Black Card Finally Worth It? 75K Bonus + Triple-Dip Strategy
Justin Vacula of the Hurdy Gurdy Travel Podcast joins co-host Darren to discuss whether Barclays’ $699 annual-fee Luxury Card Mastercard Black Card is finally worth considering after the launch of an elevated 75,000-point welcome bonus.
The new offer awards 75,000 points after $6,000 in qualifying spend. The card markets those points as worth up to $1,500 toward airfare or $1,125 in cash back. Justin and Darren explain the redemption math, including the card’s 1.5-cent-per-point cash-back value and 2-cent-per-point value when redeeming toward airfare through the Luxury Card travel portal.
For many cardholders, the $1,125 cash-back option may be more attractive than $1500 airfare, especially when you factor in the card’s $699 annual fee and other benefits. The episode focuses on a potential late-December 2026 application strategy designed to maximize calendar-year credits.
Justin and Darren discuss whether opening the card in mid-to-late December 2026 could create a triple dip opportunity across three calendar years for the card’s $200 annual airline credit and $100 annual dining credit, depending on posting dates, benefit terms, and annual-fee cancellation or refund rules.
They dig into the terms of both credits, including eligible purchases, merchant category coding, posting timing, and possible ways to use the credits efficiently. They also discuss whether gift card purchases may work in certain situations and why cardholders should pay close attention to how transactions code.
Justin and Darren compare the Black Card with other Barclays products, including JetBlue, Wyndham, and Samsung credit cards, as well as competing cards from other issuers that may offer stronger long-term value.
Timestamps
00:00 Intro Theme
00:32 Black Card Overview
01:38 Welcome Bonus Math
03:03 Triple-Dip Strategy
04:36 Airline Credit Terms
05:22 Using Airline Credits
08:37 Dining Credit Terms
09:36 Gift Card Workarounds
12:24 Keeper Cards
15:13 Sponsor Break
16:17 Better Barclays Alternatives?
20:58 Who Should Get It
24:43 Ratings And Comparisons
30:46 Final Verdict And Wrap Up
31:41 Outro And Support Links
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Rough Transcript:
Travel at low cost with points and miles. Credit card rewards bring the smiles. Many adventures, tales to be told. Make and save money, the world will unfold
Fight the war on happiness, pick up the gold. Hurdy Gurdy Travel Podcast breaks the mold
You’re listening to the Hurdy Gurdy Travel Podcast. I’m your host, Justin Vacula, here to help you make money, save money, and travel the world at low cost. The infamous $699 annual fee stainless steel Black Card now with Barclays bank is finally worth considering because it offers a 75,000 point welcome bonus after 6,000 in spending.
The welcome bonus is advertised as [00:01:00] $1,500 towards airfare or $1,125 in cash back. Add benefits like a $200 annual airline credit, a $100 annual dining credit, and listeners may be even more interested. But how much does America love math, credits, terms and conditions, and other Barclays cards that might offer better long-term value?
Returning co-host Darren joins me for today’s episode, recorded October 10th, 2026. Welcome back to the show, Darren. Thank you, Justin. Let’s dive right in.
75,000 points, 1,125 cash back, and lots of benefits. I never thought we’d be recording an episode about the luxury card MasterCard Black Card, but here we are because they finally added a welcome bonus worth considering it’s like the opposite of a cardless card, Justin, because it has [00:02:00] three cards just in the name.
Luxury Card, MasterCard, Black Card. Lots of cards. Lots of cards. And yes I hear what you’re saying. I also did not expect that we were gonna have at least a serious episode talking about the Luxury Card, MasterCard, Black Card. Maybe not even an episode at all, but here we are, so let’s dive in. We have a signup bonus worth $1,125 in cashback.
You can cash your points out as a statement credit, so after the $699 annual fee, we’re ahead $426. We have to spend $6,000 to get the welcome bonus, and that’s earning just 1X points. These can cash out at 1.5% cashback or 2% towards airfare. I imagine that many listeners won’t want to use it towards airfare.
We have to use a portal, the rates might be higher, we have other miles and points, so probably would be using this as cashback, but you do have that [00:03:00] option for a little bit more value. We’re recording in October of 2026, and we can apply for this card in mid to late December of 2026 to possibly get three calendar year worth of benefit.
We’ll have an America Loves Math moment. That’s three $200 airline credits for $600 and three $100 dining credits for 300 total. If we value those the same as cash, that’s $900 in value. If you value them around 80% cash, we’re at about $720. Even at 50% value as cash, that’s an extra $450. At a low $450 value, we’re up about $900 after the annual fee if we were to choose the cashback route for the signup bonus Yeah, the good old triple dip.
The Amex Platinum card’s airline credits have been a little harder to use, but [00:04:00] the classic triple dip is something that we had talked about before and certainly I think both you and I have taken advantage of in the past, where you apply for, or in some instances upgrade a card in mid to late December to ensure that we’re getting not only the benefits in that calendar year, but also the next calendar year and even the following calendar year allowing us to take advantage of it in all three years. Some strategic timing with signing up for this card. We wouldn’t wanna do it in October if we could just wait until December.
Let’s get into the terms and conditions for these benefits. We have the $200 annual airline credit. Qualifying airline purchases are able to receive a statement credit for a total of up to $200 each calendar year. Qualifying airline purchases are defined as purchases made by the primary card member or authorized users with an airline for items including airfare, baggage fees, lounge access, [00:05:00] and some in-flight purchases as determined by the merchant category code.
Please allow up to two weeks after the qualifying airline purchase is charged to your account for statement credits to be posted to the account. This is an annual benefit, and the maximum credit available per account is $200 each calendar year, January 1st through December 31st. The posted date that the purchase was made will be used to determine the applicable calendar year.
Nice to hear the terms and conditions voice back, Justin. We hope you enjoyed that.
But back to the qualifying airline purchases, I don’t know about you, the first thing that came to my mind, Justin, is the good old United Travel Bank. I did poke around a little bit and try to find out whether there are any data points about folks that had this card previously. Shocker, there were not a lot of folks that have had this card previously.
At least in the points and miles groups that you and I are in, Justin, I think. Don’t know if that’s the answer, but it seems like a pretty broad category here, and it seems focused on merchant category code, and I believe that the United Travel Bank [00:06:00] still classifies there.
Of course, the two-week thing here gets a little bit dicey if you’re going for the triple dip, but there’s lots of other options here if you’re gonna be flying before the end of the year, whether that’s lounge access. Certainly, bags are a huge one, especially if you’re flying with a family like I do.
A number of options here. So I like it. I think $200 per calendar year is fairly generous, should be easy to use but it’s, the devil is in the details, as they say. The terms do say the posted date the purchase was made will be used to determine the calendar year, but allow two weeks for the credit to post to the account.
And it also says airfare, so if you’re able to find some cheap flights, maybe like a Philly to Boston, for example. Maybe you’re finding cheap flights to Florida from Philadelphia. Maybe listeners at other airports can find some short hops. Maybe that would work. But if you don’t have an immediate option, the United Travel Bank or maybe future flight credits with other airlines can work pretty [00:07:00] well here.
Are you suggesting we use an airline credit to purchase actual airline tickets, Justin? As our friends over at Mileonomics like to say, ” it never pays to play it straight.” It might work with this one, with the broad categorization.
With the $200 each year, if you apply in December of 2026, you would get the $200 credit in 2026, another 200 in 2027, and then 200 in 2028 as well, assuming everything works. And that’s an if, that’s an asterisk there, which could undermine this card, but the terms and conditions look pretty favorable for us.
I agree, at least so far, and that’s the thing about some of these cards. There’s some risk here, and that’s maybe why there’s also some, some opportunity worth a shot, maybe trying to apply if this is a card that you might be interested in, might as well try to apply here and go for that triple dip and see if it works out for you.
And if something [00:08:00] didn’t code, you’d have some more time to figure it out. If you apply in early December, you’re not seeing it for the first two, three weeks, then you could try something else and see if that works, but we’re still covered by the sign-up bonus overtaking the annual fee. So at least there is solace in that.
Yeah, and the triple dip option gives you, a little bit of leeway, right? If you need two weeks and you don’t have two weeks, for example, for the end of the year to get that to get sorted out, you can always figure out what does code and credit in 2027 and still get a good double dip out of this deal.
We have a $100 annual dining credit. Qualifying dining purchases are eligible to receive a statement credit for a total amount of up to $100 each calendar year.
Qualifying dining purchases are defined as restaurant transactions made by the primary card member or authorized user as determined by the merchant category code. Food delivery services may not be included. Please allow up to [00:09:00] two weeks after the qualifying dining purchase is charged to your account for statement credits to be posted to the account.
This is an annual benefit, and the maximum credit available per account is one hundred dollars each calendar year, January first through December 31. The posted date that the purchase was made was used to determine the applicable calendar year.
Another great terms and conditions read. I think the big question here is what counts as qualifying dining purchases or qualifying restaurants, if you prefer? Hopefully it’s any restaurant that has a restaurant merchant category code.
Certainly that would be very useful, and I think would make it really easy for pretty much anyone to use at almost any restaurant. It would be very interesting if you could purchase discounted gift cards through the DoorDash app to redeem the $100 dining credit. Many listeners who have Chase Sapphire Reserve have been doing that, as there have been deals like 10% off of Best Buy gift cards up to a $250 denomination, and there are also many $100 gift cards that you can get $10 off that [00:10:00] are very competitive.
But the terms say food delivery services may not be included
Yeah. I think if I’m gonna go the gift card route here, I’d probably go direct gift cards from, say, Panera gift cards. Justin, you and I both spend some time there. I think you probably a little more than me in your jaunts over the river into New Jersey. Take advantage of some of the geographical opportunities that provides to you on the gambling sites.
Or again, anything that codes as a restaurant
And at the time of recording, Panera gift cards are 20% off, and that’s pretty good. If you’re able to buy Panera gift cards to use the full 100 and have those gift cards discounted, I think that’s a pretty good stack. Unfortunately, I don’t think that Cracker Barrel is selling prepaid MasterCards or Visas.
That’s been a long-going joke, but still no winning at Cracker Barrel.
It’s not looking too bad with these benefits, especially if you would dine out anyway, [00:11:00] if DoorDash discounted gift cards would trigger the dining credit. The airline credits many listeners might already have airline credits from American Express and other issuers, and they probably have lots of miles and points.
However, the airline credit on the luxury card also works directly for flight purchases, so this is likely better than American Express airline incidental credits. Once again, those shorter flights, maybe Philly to Florida going on a cruise, Philly to Boston to position for an international flight, lots of possibilities.
Yeah, agreed, Justin. I think the benefits here are, at least the ones we’ve outlined so far, similar to other premium cards like the Personal American Express Platinum card with both airline and Resy or restaurant credits. Maybe not as much, but also they’re a little easier to use with the luxury card, black card, MasterCard in some order.
I maybe would prefer [00:12:00] other cards, how many cards I’ve previously had, what sign-up offers might be available. American Express Personal Platinum card certainly comes to mind, as does the Chase Sapphire Reserve card, and both have their set of coupon books as well that maybe are a little more challenging to use.
But I really like those transferable points and the larger sign-up bonuses that usually Amex and Chase both offer. However, if you’re a little concerned about annual fees, and I know, Justin, both of us have talked with folks in the hobby that just don’t like those annual fees, and you see this as a way to step into that premium market maybe it’s a card that you would consider signing up for if you’re still in good graces with Barclays
Very likely not a keeper card though because of this high annual fee and the low amount of benefits after paying that first annual fee, but it could make sense in year one.
But in year two, you’d have to pay a $699 [00:13:00] annual fee. You’re getting the $100 dining credit, the $200 airline credit, so we’re still out a few hundred dollars. There are some benefits like TSA PreCheck, Priority Pass, but I imagine many listeners already have those on other cards, so it’s not going to make sense to pay an effective $399 annual fee and then have to worry about the benefits.
This will almost certainly be a cancel when the second year annual fee posts, unless there’s a big retention bonus, and as far as I remember, Barclays hasn’t been giving retention bonuses. There are cards with Barclays that say card member anniversary points. That’s certainly the case for various Wyndham and JetBlue cards, but I didn’t see anything on the Black Card, a luxury card, MasterCard about that
and who knows what else might change here with Barclays in the next 14 months.
Recently when they added the sign-up bonus, they also slightly increased the annual fee. I don’t [00:14:00] know, ’cause this card hasn’t been on my radar and I don’t think it’s been on yours either, so I haven’t been following it closely, but I did do a little digging prior to the show and found that out.
Maybe Barclays is making a play here for a little more attention, trying to make the card a little more attractive and trying to get some folks to sign up for it.
I don’t think it’s a keeper for me either, but if I focus it correctly like we talked about previously with that December application one thing I did find in the terms and conditions is they will send it express delivery by FedEx. For those folks that have had American Express Platinum Cards before I would expect a similar delivery time.
So December 10th, even December 15th-ish could get you enough time to spend wait for the two weeks even to see whether the things get credited as you think they should, and if not, maybe still squeeze in real quick depending on how close you want to cut it. And then still have [00:15:00] a statement credit that ends in January to allow you to triple dip it in that 2028 time period like we talked about before.
Very good. I like that timing strategy. We’ll take a quick break for an announcement. If you’re liking the show, please support me through links at HurdyGurdyTravel.com and by becoming a Hurdy Gurdy Travel Podcast supporter on SubscribeStar.com or YouTube. Wanna reach out with questions, tips, show ideas, or support?
Email info@HurdyGurdyTravelPodcast.com. Now back to the episode with Darren talking about the newly revamped luxury card, black card MasterCard with Barclays.
Yeah, thanks, Justin. It’s an interesting card here and I’m glad you brought it up to discuss. Both of us have seen this card around and the only thing that really has been popular is the meme [00:16:00] about how it’s the heaviest card in, in- Yep, the heavyweight champ.
It was often known as one of the worst cards as they’re just marketing the high annual fee with the benefits, but the benefits you could find on so many other cards. But now with the signup bonus, it’s worth considering. But one problem I have with this card, we’ve noted this on other credit card reviews or discussions, is there’s lots of competition with other cards by the same issuer, and we might prefer those other cards instead.
This card also isn’t a keeper card, but many other cards with Barclays are, and the value from a few years of use will overtake the value from just one year with the Luxury Card Barclays can also be strict with approval. So if you fly JetBlue often, you might prefer Barclays JetBlue cards, which offer big welcome bonuses, lots of benefits, low annual fees.
You get benefits like earning [00:17:00] status. The new JetBlue card offers lounge access. Many useful benefits for JetBlue flyers. Barclays also offers many Wyndham cards, including the Wyndham Premier card we covered in a past episode, and now I have this card, and I think that’s a long-term keeper card, too, with its many benefits and lower annual fee.
Barclays also recently released the no annual fee Samsung credit card, offering a $200 cash welcome bonus and, interestingly, 3% cashback on purchases with Samsung Wallet, a little more than the generic 2% cashback cards of the world. Darren, there’s lots of competition within Barclays cards.
I didn’t know anything about this Samsung card, Justin. It’s interesting. I don’t have a Samsung device, but I’m thinking maybe I need to find one of those refurbished ones somewhere. 3% cashback, uncapped, and a Visa card would be very similar to, not exactly the [00:18:00] same as, but very similar to the good old Altitude Reserve card that you and I both have had previously and is now 3% capped at $5,000 a month.
But with a fairly big credit line, you could do some interesting things there with those combinations. Lots of decent options with Barclays. I imagine the Samsung card wouldn’t be one that people would be starting with, and probably not the Wyndham or the JetBlue either. But maybe a year or two into the miles and points space, people would be interested in getting those cards.
And there’s also competition with other banks, Chase, American Express, Citi, Capital One, and even the First National Bank of Omaha for the MGM Iconic MasterCard we’ve been talking about a lot, and that sign-up bonus is currently increased as well.
I’d have a hard time recommending this luxury card to people who are new or beginner to intermediate in [00:19:00] miles and points, but some advanced listeners who have lots of spending and many credit cards, the luxury card might make sense getting the sign-up bonus plus the benefits minus the annual fee.
For experienced folks I think there is value here, especially in a strategically oriented application time period, right? That triple-dip approach.
The question really is whether you want to diversify your portfolio, whether you feel like, “Hey, I think this card adds more value to my portfolio than I already have, and instead of taking the $6,000 and spending on a card I already have towards a status goal or something else, I’d rather have, $1,100 plus some benefits back in cash than I would more Hyatt points or more Atmos miles,” for example.
Yes, many listeners might prefer more points and those flexible [00:20:00] currencies, as you mentioned earlier, so that’s one argument against the cash back. But those who already have lots of points who would like to cash out points, this could be an interesting play for just that one year if they could get approved for the card.
But I’m wondering because I already have two Wyndham cards with Barclays. I have a JetBlue business card with Barclays. I used to have an American Airlines card with Barclays, but that got moved over to Citi. I’m unsure whether Barclays will continue to approve me for cards, and I think before getting the Luxury Card, I would get another JetBlue card or even the Samsung card instead of this Luxury Card.
I think there’s an argument for getting cards for just one year and having a big win, canceling it later, but with cards that offer very long-term value with the same issuer, I’m inclined to go for those keeper cards instead.
Who might this really be for? Is there [00:21:00] really going to be anyone with one or two credit cards that are gonna look at this and think, “Oh, this is a great idea”? I would imagine that many people would be skeptical of the annual fee going forward, as it doesn’t offer as many benefits like a card such as the Amex Platinum, the Chase Sapphire Reserve, maybe other higher annual fee cards.
Maybe people would just get a mail invitation or see an ad for this and think, “Oh I could use TSA Pre, I could use Global Entry.” They don’t already have it on other cards. Is that what they’re relying on here? Because the only other case I could see is the experienced person in miles and points who’s already had so many cards and maybe wants the cash back out of the sign-up bonus.
Justin, didn’t you hear the name of the card? It’s a luxury card, so of course everybody who’s luxurious or wants to be luxurious is gonna want this card, right? I don’t know. In all seriousness I think the number of times it has come up in numerous travel groups makes it seem like [00:22:00] some folks who are beginners, I would say, are interested in the card.
This is the most, I would say, rewarding or attractive the card has been since I have heard of it.
I think it has broader appeal than maybe you or I would expect there could or should be. But it says “luxury” right in the name, Justin, and it’s the heaviest- Heavyweight champion. It’s the heaviest… Exactly. Heavyweight champion. I expect there’s gonna be some real interest. I don’t think I’ll ever know, but I would love to hear what happens after Barclays announces this and what their application numbers look like before and after this change.
I expect them to go up pretty significantly. maybe with an aggressive marketing campaign, maybe people that aren’t as knowledgeable about the other cards, or we have the rare case of the really advanced listener who’s interested. But I think there’s a lot of talk in groups because of this high sign-up bonus.
It might be a once in a [00:23:00] lifetime opportunity because when they take away the 75k point sign-up bonus, I think the interest really plummets.
I guess we’ll have to ask our listeners, Justin see what they think, whether this is a card that they might find attractive and fit into their card portfolio.
The answer to everything is more credit cards. It could possibly be this one. It could be this one. It could be this one. Don’t sell it short. Now, with American Express, I often get cards for one year and cancel them because they’re on the business side, because there’s no hard inquiry, because Amex allows 10 pay over time or charge cards in most circumstances.
So to do something like this with another issuer for a card that I won’t keep, I think that’s a harder argument to make.
Whether they would approve you for a fourth card, and if so, at what credit limit, would be an interesting question. I don’t know what their tolerance for multiple cards are and total credit limit might be. That’s certainly something that you should [00:24:00] consider and so should any of our listeners that have multiple Barclays cards.
If you don’t have a Barclays relationship, again, I’m not sure this is the card that I’d start with, and if you really loved the idea of it and you wanted to add Justin, the heavyweight champion, right?
To really get the value, you need to be an experienced player. If you’re a new player, y- you probably aren’t gonna be experienced enough or may not be experienced enough to understand the triple dip and some different ways you can get in $200 in airline credits and so forth and restaurants and so forth pretty quickly.
But if you are or if you’re listening now and you have questions, certainly reach out to Justin, and you’re interested in it. I think I’ll give this card maybe a four out of 10 for the niche play
boo. Boo, no. Four. Come on. Come on. Four? Four? What do you give the MGM Iconic card? Let’s get a scale.
For you or for everybody? [00:25:00] Oh it depends. The valuation depends from person to person. Now, with the MGM Iconic card, I’m frequently attending MGM properties. Borgata is not far. I go to Vegas many times, and then the value from that comes with the status that can match to other casino statuses. The cruise offer that can match to other cruises.
I’ve received tremendous value from the cruises and the casino status matching, so that’s what puts it high there. It’s also a keeper card. There are high spend goals on it. The categories aren’t bad. There’s possible uplift with the points using it for the Amphora Lounge and stacking the points with myVegas, and when you use the points for food, then you don’t pay any taxes.
But with this luxury card here, you’re just getting 1X points that are worth 1.5% cashback, so that’s not really competitive, not good for the [00:26:00] bonus categories. If they had something maybe like a 3X dining, a 3X travel, that could be a little bit better. If the annual fee were lower and the benefits at least equaled the annual fee, or it were close, then maybe it could be a keeper.
If they did something like anniversary points bonus for keeping the card, that would make it more competitive. That’s a common thing Barclays does, but unfortunately not with this card. If we had the crystal ball and they said something like, “Hey, we’ll give you a retention bonus every year. If you use the card, you spend $2,000, $3,000 on the card, and we will cut the annual fee by half,” maybe it could be more appealing as well.
But with the $699 annual fee, the 200 airline, and the $100 dining credit, we’re still on the hook for that 399 after the annual fee, and then when that annual fee posts, [00:27:00] the second annual fee posts, we could have already used the credits in that year, so giving it a four out of 10. Would you give it higher, a five or a six?
I think I’m at a six. I’m just thinking about my- Oh, cool. Yeah, no. I’m thinking about, hey, if there was a, for example, hypothetically, an Amex Platinum offer with no lifetime language, meaning that even though you and I have and have had an Amex personal Platinum card, we could get another one
would you be interested in that? Now with Amex, there’s not a hard inquiry, and then there’s not the competition with so many other cards because you could have up to 10 cards with American Express on the Charge card or the Pay Over Time card. So I’m much more enthusiastic about the Amex Charge cards compared to personal cards with other issuers.
So that sounds like a yes, you’d be interested in that. And you would probably follow the same approach, right? You’d [00:28:00] spend probably more than 6,000, probably $10,000 is what most of these sign-up bonuses have been lately, sometimes $12,000. And you get the 150,000 Amex membership rewards. Certainly they’re worth at least one cent per point, maybe more.
There are a few bonus spending categories with Amex Platinum. Travel is the primary one at 5X, but you’re probably not gonna spend a lot more on that card outside of the sign-up bonus. There’s an $895 annual fee, and then if you think about the primary benefits, the airline credit is the same, but likely more challenging to use than this one.
And then the Resy credits, which you and I have already talked about. I don’t know that you’d be much ahead of this card, and you would already have saved yourself $200 on the annual fee for this card compared to the personal Platinum card.
Justin, have I [00:29:00] changed your mind? Have I swayed you at all with this, what I consider to be exceptional convincing argument? I think the Amex Platinum could even be a keeper card for many with the $400 a year in Resy credits, the $300 a year in Lululemon credits, the digital entertainment credit, the Uber credit, keeping membership rewards alive is a small thing, Centurion Lounge access, Delta access when flying Delta.
Some will even keep the Platinum card over time, or there’s a path to downgrade to the Gold after year one. But even for those keeping the personal Platinum, I can’t hate it, especially if they have the Schwab Platinum and they’re cashing it out looking for cashback like they would from the Luxury Card, or the Morgan Stanley Platinum where they can have an authorized user who also gets lounge access.
A lot more value coming from the Amex personal Platinum card. And as you noted, those [00:30:00] membership rewards can be flexible. They can be used for travel and worth a lot more than the 1,125 in cashback that we would get from the sign-up bonus on the Luxury card
I called that out earlier, that the transferable nature of membership rewards are certainly more valuable than just straight cash back. But sometimes you just need straight cash back, whether it’s, to pay bills or to finance part of your travel that is not easily paid for through points and miles.
The Personal Platinum, maybe I would give that somewhere around an eight or a seven out of 10, and this card maybe that four or five. So maybe you can get me up to a five for the niche case of the triple dip and a person more experienced in the space looking for cash back. I’ll count that as a win Any other thoughts on the Luxury Card Mastercard Black Card?
I’m glad I got you up to a five. This is not the most attractive of the Barclays cards, but if you already have some of those other [00:31:00] cards or you’re looking for a way to earn some cash back, it’s worth a shot.
An interesting opportunity as we get closer to December of 2026. If they did this at the start of the year, I think that there wouldn’t be much interest at all. It would be, “Oh hopefully the bonus is still around 11 months from now.”
Thanks for coming on today. Always enjoy talking about credit cards with you, Justin, and listeners, let us know what you think. What would you rate the Luxury Card MasterCard Black Card, and who’s closer to having it right, Justin or me?
A five-ish, maybe a six, but we’ll hear from you in the YouTube comments.
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