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MasterCard® Black Credit Card

mastercard black credit card
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801 reviews   Write a Review
Info about the MasterCard® Black Credit Card has been collected by CardHub to help consumers better compare credit cards. The card issuer did not provide the details.
Existing Cardholders
Change my rating to: Excellent

MasterCard® Black Credit Card’s Rewards

Base Earn
1 point / $1
Max Earn
1 point / $1
  • MasterCard Black Credit Card members redeem at 1.5% value for cash back
  • Earn points every time you spend. Luxury Card enhances your purchasing power by providing you with one (1) point for every one dollar ($1) you spend.
  • Double points when redeemed for airfare through an Industry-Leading Rewards Program. 50,000 points will get you a $1,000 ticket on any airline with no blackout dates or seat restrictions
  • $100 Annual Airline Credit Toward Qualifying Airline Purchases
  • $100 Global Entry application Fee Credit
  • Redeem for Travel, Merchandise, Gift cards, and Experiences

MasterCard® Black Credit Card’s Key APRs & Fees

Purchase Intro APR
Not Offered
Transfer Intro APR
0% for 15 months
Regular APR
15.24% (V)
  • ANNUAL FEE $495
    3% (min $5)

MasterCard® Black Credit Card’s Additional Info

  • MAX LATE FEE   $37
  • GRACE PERIOD   23 days
    25.49% (V)
    5% (min $10)
  • SMART CHIP   Yes, chip-and-signature
  • Stainless Steel/Carbon Card – Patented Design
  • Luxury Card Concierge, 24 hours a day, 365 days a year.
Apply Now
at Barclays’
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Customer Questions and Answers

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What credit score is needed for the Visa Black Card?

Photo of Card H.
Feb 2, 2016
Unfortunately this card is no longer available to new applicants, but a credit score of at least 660 was needed, which is the beginning of the “good credit” range. However, issuers take far more than just an applicant’s credit score into account when making approval decisions. They consider their overall financial picture, including income and existing debt obligations, so the credit rating can only be used as a guideline. We advise you to check our selection of credit cards at: or try our new interactive tool - CardAdvisor to get the best credit card recommendations for free: . Best of luck! more
9 Votes 15 6

Customer Reviews

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2.6 out of 5

801 reviews
Photo of BreeandJon J.
Jul 10, 2016
This card is not for someone who wants to use it, they hold your money after it clears your bank for 7-10 days before they release money back on the card! If you want a great card go with American Express !! They will give you outstanding service!!! Barclay card does very bad business, & poor service!
Photo of Joshua R.
Dec 16, 2015
I really despise even having this card because of it's annual fee. I have an chase sapphire card that offers much more points when used and does not drain money out of my wallet unlike the Visa Black credit card. I cannot stand how difficult this card is to use and the insanely complicated point system just make this card much more difficult and loathsome to have.
Photo of Allie B.
Nov 11, 2015
My first impression of the Visa Black Credit Card is that the annual fee is outrageous at $495 a year. I currently have the Visa Gold Delta SkyMiles card, which offers similar points benefits at a mere $95 a year fee. The initial reward looks amazing until you realize that in order to receive you must spend $1500 in the first 90 days. My Visa Gold Delta SkyMiles card only required me to spend $1000 in the first 90 days for a higher benefit (30,000 points). Both of these cards have similar maximum late fees ($35 for the black card, $38 for the gold delta card), but overall, I would more
Photo of Andrew L.
Sep 3, 2015
First of all, the $495 annual fee for the VISA BLACK CARD is outrageous! I only got the card for reward points bonus and thought I might get some special deals at hotels, resorts, etc... In which case I haven't. VISA marketed this to be some sort of elite card that would would unlock pots of gold at the end of rainbows and lands of wild unicorns and it just isn't anything special. No one will oooh and ahhh at you for having it. Save yourself the $495 and just get a run of the mill card with no annual fee, decent rewards and a good interest rate.
Photo of Наталя .
May 26, 2015
The Visa Black Credit Card sounds like a very VIP card. All the bonuses, in my opinion, are equalled out by the huge annual fee rate of almost $500. It seems like one would have to really try to recieve all the bonuses described, and pay a lot. Since I travel often, I would favor a credit card that has good miles rewards, like Discover it Miles Credit Card. Also, I do prefer the minimal to no payment on behalf of the anual fee, so this amount seems too high.
Photo of Tyler C.
May 5, 2015
The annual fee of close to $500 is just ridiculous. I have a Capital One card with a $0 annual fee which I gravitate to more. I cant imagine someone with just a "good" credit score being able to afford this fee. Spending $1,500 in the first 90 days seems like quite a task in order to receive the bonus. The bright side to this would probably be the travel benefits and the "luxury gifts" people will receive. Overall, this is just a really expensive card. I would much rather have a card with a smaller annual fee.
Photo of Juan H.
Apr 2, 2015
The Visa Black Credit Card is a decent card that is more aimed towards higher middle class people and up. There is a $500 annual fee which is pretty ridiculous. Plus you have to spend $1,500 just to receive a gift and I'm not a fan of that. There are a lot of perks for card members, but I don't believe I'll ever be one of those. But for the people who have the money to spare I'd suggest that they get this card. If you travel a lot then you can even receive complimentary membership to a bunch of lounges and what not.
Photo of Grover T.
Mar 17, 2015
The initial cash back points seems enticing until you see the annual fee is $495! An Amex card can be had that will offer almost as much initial cash back for no annual fee. The 15 months 0% carries a 3% upfront fee whereas you can get free balance transfers from Chase Slate with no fees. The 1 point per dollar rewards is beaten by most rewards cards. There really doesn't seem to be much to recommend this card.
Photo of Lauren B.
Mar 3, 2015
This card in theory seems great. The cash back points seem excellent. The biggest downside is the annual fee. Almost $500! That is totally insane to me! The lower APR is not even worth it for that fee alone. I am unhappy with my $39 fee from Capital One, but this blows it out of the water! Since you need excellent credit to even qualify, there are much better cards to go with! I don't care how many free gifts you get. This is not the card for me!
Photo of Simran K.
Feb 16, 2015
This card is a total piece of garbage. It has no security protection or good customer service. I called up on the people who are the support center and I waited for at least an hour. When I did get someone to talk to they didn't even know how to help me properly. Another thing is that this card has a really expensive annual fee. The thing that I love about this card is that it is stainless steel. Unlike the Chase Freedom card which gets dirt and scratched so easily this card remains the way you get it. Overall this card is only good for people who travel a more
Photo of Hrach A.
Jan 20, 2015
I tried applying for a card and requested to speak with a supervisor to answer my question and it took 30 minutes before they hung up the phone on me . I have decided to stay with my American Express platinum card which only takes 1 minutes waiting time to speak to a supervisor and the don't hang up on you. Plus i don't want to pay $495 a year to speak to an Indian person with visa black card
Photo of Johnny B.
Jan 19, 2015
I advised anyone that is interested in becoming part of the "visa black card team". Dont Do IT!!! Ive had this card for 3 months and it was my worse experience ever. I have more then one charge cards and they are all the same but this one. Not to forget its a 495$ yearly annual fee which is not worth it for example when you call to speak to a representative the wait is a mintue or so to get in contact with when.Another example is when a merchant gives you a credit on your credit card and instead of it going back on the card that it was more
Photo of Paul H.
Dec 29, 2014
I don't like this new fangled visa black thing. The terms are great but the fee is exorbitant. I would rather save my money than buy a way to spend more money than I have.
Photo of Ryan H.
Nov 18, 2014
The Visa Black Credit Card is great for someone who travels a lot throughout the year. All the rewards seem to based on people that travel a significant amount. There also is no foreign transaction fees which is nice if you're traveling. The annual fee for the card seems a bit high at $495, but again if you travel a lot it would probably be worth it. the interest rate doesn't seem too bad but you can find lower rates and cheaper annual fees elsewhere.
Photo of Teriann M.
Oct 24, 2014
There is NO foreign transaction fees that's awesome why I gave it two stars is the zero liability protection the annual fee for having this card is ridiculous the rewards are adding up to the annual fee besides I don't make 250k annually so there is no need for me to possess this card but great for those who have it to go ahead and apply
Photo of Christine H.
Oct 15, 2014
I received an invitation to the black card in the mail. I read through everything, and it seemed cool. Although, I would probably never benefit from all of the "rewards" since I do not travel much. I was almost considering it UNTIL I saw there was a $500 annual fee. Absolutely INSANE. There are way too many reward cards out there with no annual fee. I would never get $500 in "rewards" out of this card.
Photo of Colton Y.
Sep 10, 2014
Anyone with any sense would not get the Visa Black credit card. It boasts a great point and reward system along with a decent interest rate on purchases; however it takes all the perks away with a high $495 annual fee. Unless you make a lot and spend a lot of money via credit cards it would never pay for itself. Any person with common sense would know that you shouldn't pay an annual fee these days. Also the Chase Slate card offers $0 dollars in fees and a lower interest rate!
Photo of AL D.
Aug 25, 2014
Rappers love the Black Visa Card since they love wasting as much money as they possible can but for the regular folks i would NOT recommend this Card...
Photo of Peggy G.
Aug 15, 2014
First of all I like the part about it being a Visa. I usually like visa. I do not like the annual fee that is just ridiculous. I don.'t know why there is no online response. This is usually very convenient if need something in middle of night. I also don't care for the cash advance fee. This card seems to have a lot of negative issues. Zero liability protection is also a big negative.
Photo of Lisa A.
Aug 22, 2014
Zero Liability protection means you won't be held responsible for unauthorized transactions. It's pretty typical on most higher limit cards.
Photo of Lester J.
Aug 13, 2014
Read the fine print! Under Terms and Conditions, "LIMITED MEMBERSHIP: Membership in Black Card is limited per credit card product to 1% of the U.S. population based on the 2010 Census." Unless you make $150K or more per year your application will most likely be rejected. Since I earn less than that I will not apply and will save $495/year.
Photo of Michael L.
Aug 12, 2014
is this a charge card or just a regular credit card?if it a regular credit card,does it offer a high credit limit?
Photo of Card H.
Aug 18, 2014
This is a credit card and not a charge card. Your credit limit is usually determined by a number of factors such as your credit history, income, debt to income ratio, the issuer’s underwriting policies, etc. As a result, we cannot offer an assessment of how high of a credit limit anyone will receive.
Photo of Bill R.
Jul 31, 2014
The Visa Black Credit Card is not the right card for me. First of all, the annual fee is way too high. While some of the perks may be worth it for a really wealthy person, for most average people (including myself) it is not. The bonus points are nice once you spend the $1,500, but aside from that the other perks do not come to much use for me.
Photo of Christine B.
Jul 15, 2014
This card has a lot of benefits as far as rewards go, but that $495 annual fee ruins it for me! This is definitely not the credit card for me. I need to feel completely safe having a credit card the zero liability protection is good to have especially for a Luxury Card. The perks of this card really are for people who travel a lot. That is really how the rewards points will benefit a card holder. Me on the other hand, I do not travel a lot and that fee is awful!
Photo of Nancy L.
May 28, 2014
The high fees of the Visa black Credit card make it a card I would not have. I don't buy luxury items and would not be able to afford the high annual fee. Maybe a great deal for the wealthier people of the world.
Photo of Aaron V.
May 16, 2014
This card is not a card for me. The requirements to any of the rewards are too high. I would not recommend this card for the average person
Photo of Julie P.
May 14, 2014
Apparently you must be in a very high income bracket to have this card. Although it may be nice to have a stainless steel card the annual fee is extraordinary at $495. And although the interest is more reasonable than the one I have with Capital One the late penalty seem higher and with a zero liability for unauthorized purchases this puts one in an unsafe place as far as identity/card theft. This card would be no benefit for my lifestyle - which is not one of the "rich and famous".
Photo of Amanda T.
May 7, 2014
The Visa Black credit card seems great for someone with a high income and who travels a lot. I mean, the perks for traveling comfortably are undeniable with late check out, early check in, lounges in airports, etc. But, the fact of the matter is, if you're an average person (like most people are) the $495 annual fee can absolutely be beat with a different card. Chase Freedom is another card that has similar traveling perks for much less cost. I can't say I'd choose this card over Chase Freedom even if I was a high income/frequent traveler consumer, but to each their own.
Photo of Mandi C.
Apr 25, 2014
Its got all the great perks to lure you in: You can earn 25,000 points, plus 1 point per dollar spent. Sounds rewarding. And then you realize that its all just a scam unless you have some good money coming in. As a 22 year old wife and mother, this isn't for me. At all. A $495 annual fee is almost a month of rent for my family. And if I want those 25,000 points I have to spend $1,500 within the first 90 days. For people who travel a lot (fly, stay in hotels, go out to eat) this would be the card for you. But for me, I more
Photo of Stephen M.
Apr 9, 2014
the Visa Black Credit card is not something i would want to get into, especially for me being a student. it's totally too expensive to maintain and they have set an unrealistic target. i would take the Capital One Secured Mastercard over this one any day anytime.
Photo of Lily S.
Mar 21, 2014
In my opinion, the best other comparable would be the Amex Platinum Card because of the annual fee. Other cards in a similar annual fee range include the Citi Chairman Club. So in terms of common features, I find the Visa Black Card slightly lacking compared to the Amex Platinum and the Citi Chairman Card. But whether it affects you depends on whether you use those features. If you do not travel internationally, then it does not matter! When I look at high end cards, the most important thing to me are the travel rewards (especially airline rewards). I doubt any serious cardholder exchanges points for gift cards and other more
Photo of Courtney G.
Mar 21, 2014
The Visa Black Card seems, to me, very pricey and for people who are willing to spend quite a bit of money. I'm a student and the thought of spending $1500 in the first 90 days just floors me. I couldn't imagine it. The annual fee seems a little pricey for me too and considering I don't travel much, I wouldn't get my money's worth. I see that it also has zero liability protection against unauthorized purchases. I feel that that should be the biggest concern, with so many people having credit cards stolen and unauthorized purchases, there should be some type of protection.
Photo of Christopher M.
Aug 6, 2014
Zero liability is a plus. It means you are never liable for fraudulent purchases. Although, I thought federal law required this of all credit cards...
Photo of Sam W.
Mar 4, 2014
I love the fact that the Visa Black credit card has a zero introductory interest rate and provides you with VIP treatment at so many hotels around the world. The annual fee is higher than that of my other cards, but the benefits make it worth the extra cost.
Photo of Erin K.
Feb 14, 2014
The Visa Black Credit Card is definitely more geared toward the big spenders. As a student myself, I don't really see much rewards coming out of a card like this, because I can't possibly spend that much without going completely broke. The $495 Annual Fee alone is one of the most off putting to me, personally. When I can have a rewards credit card for free with my bank, I don't see the need to pay a yearly fee to someone else. It might look intriguing at first, but I wouldn't be fooled, by the fancy looking perks, that in reality you may never see, and just end up paying more
Photo of Kyle E.
Jan 12, 2014
Most people do not understand all of the services that come with the Black Card. Besides offering worldwide acceptance, cash back bonuses, and a 24-hour concierge service, your purchases are insured and you even have my favorite perk, the VIP lounge program that provides access to many private airport lounges. You also don't want to underestimate the concierge service because it does provide a wide array of useful services that include entertainment planning, business services, travel information and assistance any time you need it. If your work calls you to travel frequently and you can afford the price tag of $495 a year, then I would recommend the Black Card more
Photo of Chip S.
Dec 26, 2013
One of the first things that catches the eyes with the Visa Black Card is the annual fee of up to $500. Although other annual fees aren't that much different, the annual fee compared to the actual benefits of the cards don't balance out. Nevertheless, it is still a rewards card, and those who spend a lot of money will end up getting a lot back. One of the best features is the bonus 25,000 points if you spend $1500 in the first 3 months. I for one spend more than that in 3 months, so it is essentially a free 25,000 points. This might actually balance out the annual more
Photo of Corrina H.
Sep 6, 2013
The Visa Black card is mediocre at best. I find that the interest rates and fees are fairly high, and the perks don't really come close to making up for it. Unless you simply don't care how you throw your money around, I would not recommend getting this card. The only thing I really like about this card is the 12 month 0% intro period. If you are a frequent traveler looking for a better option, I recommend checking out the Platinum card from American Express. In my opinion the interest rates, and rewards are much better. Overall I still give the Visa Black card a 3 star rating because more
Photo of Erin L.
Sep 3, 2013
As an avid traveler, I generally use my Venture One Rewards Credit Card for purchases. This card, the Visa Black Card offers many of the same benefits with a better interest rate! I will get the bonus 25,000 points by using my card for everyday purchases during the first three months. These points transfer into miles...miles are why I use my current card. I'm always looking for a better deal, and I think this might be it! With 0% interest on my balance transfers for the first 12 months, I would have plenty of time to pay off my existing Venture Rewards 0%! I love to save a buck...and more
Photo of Pat E.
Aug 28, 2013
The Visa Black Card is meant for a pretty exclusive crowd, it seems. With a $495 annual fee(!) and a fancy metal card, concierge service, VIP lounges, luxury gifts, etc, you need to be sure that you're wealthy enough and want all these things. I'm not sure what the reward system is like, so you'll have to investigate that part if you care enough about the rewards program. I personally have no experience with such cards, I just use a humble Amazon rewards card, nor do I have the expendable cash flow to support the luxury options this affords. For the wealthy guy who has everything, I suppose.
Photo of Owen M.
Aug 21, 2013
The Visa Black Credit Card is for the big spender, that's for sure. With a hefty $495 annual fee, it better offer some great perks! I don't think any credit card really needs an annual fee of that amount, but the benefits must out weigh the costs for those that can utilize VIP airport lounge services and luxury gifts. The APR is pretty low, but I assume if one can even get the Visa Black Credit Card, their credit must be near perfect so they are deserving of that low interest rate. The rewards points program is unlimited, as it should be for a big spender like this.
Photo of Sher-yce R.
Dec 19, 2012
When I first got this card, I thought that it was going to be so great, but in fact it is nothing special. Since it is called the black card, I figured it would be similar to the cards that all of the celebrities are raving about, I was once again wrong. I have had this card for a month, and I am already about to stop using it. The annual fee is almost $500! That is just a rip off. My credit is good, and you must have good credit to get this card. With the amount of restrictions, they should really consider lowering the annual fee, because it more
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Last updated on: Sep 23rd, 2016 at 4:55 EDT

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