The Zolve Black Credit Card is Zolve's premium-tier offering for people in the U.S. who want the most comprehensive set of rewards, travel protections, lifestyle benefits, and purchase coverage available from a Zolve credit card. It is designed for higher spenders who will get full value from a rich rewards structure, and the full suite of Mastercard World Elite benefits.
What is the Zolve Black Credit Card?
The Zolve Black Credit Card is issued on the Mastercard World Elite platform. From up to 5x accelerated rewards on selected merchants, to trip cancellation insurance, cell phone protection, and priority restaurant reservations, the Black card bundles significant value for those who use it actively.
The good part? It doesn’t require a Social Security Number to apply, making it accessible to newly arrived professionals, entrepreneurs, and others building their financial life in the U.S.
Zolve Black Credit Card - Key Details
Zolve Black Credit Card Benefits and Rewards
Zolve Black Credit Card offers premium benefits to the cardholders in the form of up to 5x cashbacks, annual fee credit, and much more.
Annual Fee Credit
Cardholders who spend $36,000 or more in a year receive a credit for the annual renewal fee, effectively returning the cost of the card for high-volume spenders.
Rewards Program
The Zolve Black credit card has the most powerful rewards structure in the whole Zolve lineup:
- 5 points per $1 on up to 5 selected merchants per quarter (maximum 15,000 points per quarter = $150 in value)
- 1.5 points per $1 on all other eligible purchases
Each quarter, you choose up to 5 merchants where you want to earn at the accelerated 5x rate. Combined with the elevated 1.5x base rate everywhere else, the Black card is built for cardholders who spend broadly and want every dollar working.
Points redemption: 100 points = $1 in value. Redeemable for statement credits (minimum 1,000 points) or gift cards. These points do not expire unless your account is closed or forfeited.
Mastercard World Elite Benefits
The Mastercard World Elite tier is the most comprehensive, and the Zolve Black unlocks the full range:
Security
- Mastercard Zero Liability Protection: Full protection against unauthorized transactions.
- Mastercard ID Theft Protection™: 24/7 identity theft monitoring and restoration. Register at mastercardus.idprotectiononline.com.
- Mastercard Global Services: 24/7 global support for lost/stolen cards, emergency cash, and account queries.
Everyday Value
- Instacart+: 3 free months of Instacart+ and $10 off your second order each month.
- Lyft Monthly Credit: $5 credit per month when you take 3 or more rides in a calendar month.
- Lyft Airport: 10% off all scheduled Lyft rides to and from qualifying U.S. airports using the Schedule a Ride feature (personal mode only).
- Peacock Premium/Premium Plus: $3 monthly statement credit for Peacock Premium or Premium Plus subscriptions at full price directly from Peacock.
- Mastercard Transit Benefit: $2.50 statement credit when spending $10+ per month at participating contactless transit networks.
Enhanced Experiences and Lifestyle
- Mastercard Music and Entertainment: Minimum 24-hour ticket presale access to 1,200+ annual events.
- Mastercard Music and Entertainment: 24-hour presale access plus premium reserved seating at 1,200+ events including 11 iconic venues and 3 major festivals. (World Elite exclusive.)
- Mastercard Travel and Lifestyle Services: Luxury Hotels & Resorts portfolio, preferential treatment, hotel savings, private jet experiences, chauffeured car service, and rental car benefits.
- Mastercard Travel Rewards: Automatic cashback offers at marquee merchants when traveling abroad across 25+ countries.
- Mastercard Golf: TPC Network access, PGA TOUR experiences, and premier golf travel packages.
- Priceless Experiences: Exclusive curated experiences. Register at priceless.com.
- Mastercard Dining Reservation Access and Experiences: Priority reservations at acclaimed restaurants globally. Explore at priceless.com/culinary.
Travel and Purchase Protection
- Extended Warranty: Up to $10,000 per event for eligible items purchased with the card. Coverage up to 1 year beyond the manufacturer warranty.
- MasterRental CDW: Up to $50,000 coverage for rental vehicle damages when the full transaction is charged to your Mastercard.
- Trip Cancellation/Interruption: Covers cardholder, spouse, dependent children, and travel companions for nonrefundable common carrier payments if the trip is cancelled due to sudden illness, injury, or other covered events.
- Lost Luggage Insurance: Covers delayed or misdirected baggage by a common carrier when the full trip cost is charged to the card.
- Cell Phone Protection Insurance: Coverage up to $200 per incident ($50 deductible) when your cell phone bill is paid with the Mastercard.
- Purchase Assurance Plus: Covers items purchased with the card against damage or theft. Reimbursement based on the lesser of purchase cost, repair cost, or replacement value.
- Travel Accident with Baggage Delay: Accidental loss of life, limb, sight, speech, or hearing coverage while traveling on a licensed common carrier.
Final Word
Most premium credit cards in the U.S. were not built with newcomers in mind. The Zolve Black credit card was. Up to 5x rewards. World Elite benefits. Trip protection. Cell phone coverage. Priority dining reservations. All without needing an SSN to apply. The Black card is Zolve's most powerful product and if you are going to carry one card in your wallet, it should be one that works as hard as you do.
