Visa® Black Credit Card

Visa® Black Credit Card
Required Credit Score: Excellent, Good
2.5 573 reviews   Write a Review!
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Visa® Black Credit Card's Rewards

Bonus
25,000 points
Base Earn
1 point / $1
Max Earn
1 point / $1
Earn / Redeem Limit
No
  • Earn up to 25,000 bonus points when you spend $1,500 in the first 90 days.
  • Luxury Gifts - Cardmembers receive luxury gifts from some of the world's top brands.
  • Cardmembers receive VIP treatment at over 3,000 hotels, resorts and villas across the globe, including spa treatments, room upgrades, complimentary breakfast, early check-in, late check-out and more.
  • Redeem your points for a wide range of reward options including gift cards, experiences and double value on airfare, which means it takes fewer points to go further.
  • Cardmembers receive complimentary membership and unlimited visits to over 350 lounges in 200 cities worldwide with our VIP airport lounge program.

Visa® Black Credit Card's Key APRs & Fees

Intro Rate on Purchases
0% for 12 months
Intro Rate on Transfers
0% for 12 months
Regular Rate
14.99% (V)
  • ANNUAL FEE $495
  • BALANCE TRANSFER FEE 3%

Visa® Black Credit Card's Additional Info

  • MAX LATE FEE   $35
  • MAX OVERLIMIT FEE   None
  • MAX PENALTY APR   27.24% (V)
  • GRACE PERIOD   23 days
  • ONLINE RESPONSE   No
  • CASH ADVANCE RATE 25.24% (V)
  • CASH ADVANCE FEE 5% (min $10)
  • FOREIGN TRANSACTION
    FEE  
    None
  • Limited Membership.
  • 24-Hour Concierge Service.
  • Stainless Steel Card.
  • $495 Annual Fee.
  • Zero Liability protection against unauthorized purchases.
Apply Now
at Barclays'
secure site

Visa® Black Credit Card Reviews

 
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2.5
Overall Rating: 2.5 / 5
Total Ratings: 573
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Sep 10, 2014
Photo of Colton Y.
1
By:
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!
Aug 25, 2014
Photo of AL D.
1
By:
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...
Aug 15, 2014
Photo of Peggy G.
1
By:
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.
Aug 22, 2014
Photo of Lisa A.
Lisa Amiri
Zero Liability protection means you won't be held responsible for unauthorized transactions. It's pretty typical on most higher limit cards.
Aug 13, 2014
Photo of Lester J.
1
By:
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.
Aug 12, 2014
Photo of Michael L.
4
By:
is this a charge card or just a regular credit card?if it a regular credit card,does it offer a high credit limit?
Aug 18, 2014
Photo of Card H.
Card Hub
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.
Jul 31, 2014
Photo of Bill R.
2
By:
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.
Jul 15, 2014
Photo of Christine B.
2
By:
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!
May 28, 2014
Photo of Nancy L.
1
By:
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.
May 16, 2014
Photo of Aaron V.
1
By:
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
May 14, 2014
Photo of Julie P.
1
By:
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".
May 7, 2014
Photo of Amanda T.
2
By:
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.
Apr 25, 2014
Photo of Mandi C.
2
By:
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
Apr 9, 2014
Photo of Stephen M.
2
By:
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.
Mar 21, 2014
Photo of Lily S.
3
By:
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
Mar 21, 2014
Photo of Courtney G.
2
By:
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.
Aug 6, 2014
Photo of Christopher M.
Christopher Medved
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...
Mar 4, 2014
Photo of Sam W.
4
By:
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.
Feb 14, 2014
Photo of Erin K.
2
By:
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
Jan 12, 2014
Photo of Kyle E.
5
By:
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
Dec 26, 2013
Photo of Chip S.
3
By:
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
Sep 6, 2013
Photo of Corrina H.
3
By:
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
Sep 3, 2013
Photo of Erin L.
4
By:
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 balance...at 0%! I love to save a buck...and more
Aug 28, 2013
Photo of Pat E.
2
By:
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.
Aug 21, 2013
Photo of Owen M.
2
By:
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.
Dec 19, 2012
Photo of Sher-yce R.
3
By:
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
Oct 11, 2012
Photo of Larissa T.
4
By:
I just got this card about two months ago because I needed a Visa along with my Master Card. I travel extensively and need to have both a Visa and a Master Card just in case one or the other is not accepted. I have never had an issue so far with using it out side of the USA. I do pay off my balances every month so the interest rate is not really an issue. This is mainly my backup credit card. I have used it though in Costa Rica and Panama with no issues. I really like the fact that when using the card, I am given the more
Sep 8, 2012
Photo of Hardik P.
3
By:
I really like to have this card.
But annual fees is too high.
Aug 14, 2012
Photo of Frank A.
3
By:
The Visa Black Card is intended to give off the idea of prestige and exclusivity. But in fact, the card is more limited than others, and has far less to offer cardholders than most of its competitors. If you're looking to show off your "status" with a prestigious credit card, at least do it with one that offers a greater rewards incentive than this. It should also be noted that you would have to ensure you pay off the balance on the card each month. One feature that a lot of cards have is the various travel assistance services such as insurance for baggage, roadside assistance, and insurance for accidents. more
Apr 19, 2012
Photo of Margie C.
1
By:
Hahahaha, Barclays is ridiculous. I can’t believe they are being so blatant about trying to trick people. It’s so obvious that they want people to think that this is the Black Card all of the celebrities have and then shell out $495! for it. But the real Black Card is actually called the Centurion Card and it’s issued by Amex. I hope people get tipped off by the fact that an ultra-exclusive card that no one really know much about would never be listed on a website just like any other card. Yeah, I’m sure Jay-Z went onto Card Hub and compared cards before deciding that a $495 credit card more
Nov 30, 2011
Photo of Joe W.
4
By:
Spoiler alert: This is not the Black Card that all of the celebrities and musicians talk about. Confusingly, that card is actually called the American Express Centurion Card and simply got the Black Card appellation over the years thanks to its black color. Visa and Barclays just seem to be trying to take advantage of the difference between the Amex card’s official and unofficial names, but like sunglasses you buy from a street vendor the Visa Black Card is nothing but a cheap imitation. Well actually, the Visa Black Card really isn’t cheap considering the $495 annual fee it charges. Yeah, I know it’s crazy. You might be thinking that more
Apr 17, 2012
Photo of Won L.
Won Buddy Lee
agreed. there really is no reason to get this card.
Page: 1
+544 users submitted a rating without a full review
 
Jul 23, 2014
Photo of Parrish G.
By: Parrish Godchild
What credit score is needed for the Visa Black Card?
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Last updated on: Sep 10th, 2014 at 10:54 EDT