Visa® Black Card

Visa® Black Card
  • Minimum Credit Required:Excellent
  • Annual Fee:$495
  • Network: VISA
  • Rating:
    2.5
    6 votes - Cast your vote
 
 
 
Rewards: Yes Type:  Cash Back
Initial Bonus None Base Earn 1% Max Earn 1% Earn / Redeem Limit No
Reward Details:
  • Luxury Gifts - Cardmembers receive luxury gifts from some of the world's top brands.
  • Travel Lounge Priority Pass: Priority Pass is the world's largest independent airport VIP lounge program, allowing you access to more than 600 airport lounges in over 100 countries worldwide.
  • Exclusive Rewards Program allows you to redeem points for 1% cash back or for airfare on any airline with no blackouts or restrictions. You also receive VIP access to over 600 airport lounges worldwide.
 
 
Purchases:
Intro Rate Not Offered Intro Period N/A Regular Rate 14.99%
Balance Transfers: 
Intro Rate0% Intro Period15 months Regular Rate14.99% Balance Transfer Fee 3%
Cash Advances:
Cash Advance Rate 25.24% Cash Advance Fee 5% (min $10)
 
 
Additional Info:
  • Limited Membership.
  • 24-Hour Concierge Service.
  • Patent Pending Carbon Card.
  • $495 Annual Fee.
  • Max Late Fee:  $35
  • Max Overlimit Fee:  None
  • Max Penalty APR:  30.24%
  • Grace Period:  23 days
  • Online Response:  No
  • Foreign Transaction Fee:  3%
Proceed
 
 
Your Recommendation
2.5
Your Rating: 1 2 3 4 5  
Overall Rating: 2.5 / 5 from 6 users

If you currently have the Visa® Black Card and are satisfied or you like the terms of this credit card offer please let your friends know.

 
 
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About the Issuer: Barclays

Based on their website: "With 300 years of proven leadership in financial services, Barclays clearly offers stability and deep expertise to their millions of customers around the world."

 
 
back to top Discussion

Share your experiences, thoughts or just ask a question:

  • Joe Weider:
    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 you get a lot for all that moola, but the truth is that this card doesn’t provide anything you can’t get from a card with no annual fee except for the airport lounge access and I’m pretty sure that’s not worth 500 bucks. I mean you can get much better rewards from any number of cards and a lot of the 0% offers out there these days are offering intro terms for as long as 21 months, obviously much longer than the 15 months the Visa Black Card offers. While the Centurion Card is truly exclusive (it’s invitation only and no one really knows exactly what it takes to get invited) and truly provides personal service unattainable from any other card, the Visa Black Card basically feigns at these things. Yeah, Barlcays says it’s exclusive, but I bet that’s just because no one wants to pay that much money for such a mediocre credit card. And sure it offers 24/7 concierge service, but I’d bet it’s nothing more than the glorified customer service call center that pretty much every credit card company positions as a concierge service and offers to its customers. So at the end of the day I’d run not walk away from the Visa Black Card and consider yourself lucky not to have been duped because being back in black, like the Visa’s Black Card advertising says, is a good way to see your finances into the red.
 
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