Visa® Black Card™

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Credit Needed
Excellent Credit
  • Earn 25,000 Bonus Points when you spend $1,500 on Purchases in the first 90 Days1
  • Made of Stainless SteelSM
  • An Industry-Leading Rewards Program
  • Exclusive 24-Hour Concierge Service
  • VIP Treatment at over 3,000 Properties
  • Unlimited VIP Airport Lounge Visits
  • Members Only — Luxury Magazine
  • Luxury Gifts from the World's Top Brands
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  • Purchases
    Intro APR
    N/A
    Purchases
    Intro APR Period
    N/A
    Balance Transfers
    Intro APR
    0%
    Balance Transfers
    Intro APR Period
    15 months
    Regular
    APR
    14.99% (Variable)
    Annual
    Fee
    $495
    Credit Needed
    Excellent Credit


Visa® Black Card™ - Staff Review



For the sophisticated consumer, a black-labeled anything has nearly always been a sure sign of status. Visa has created its own black label for this selective clientele with the Visa Black Card— a luxury-conscious card with perks and benefits tailored for and focused on the modern jetsetter who desires something that sets them apart from every day rewards and rewards cards. Here are the details:

 

 

Sign Up Bonus

 

25,000 bonus points when you spend $1,500 in your first 90 days

 

Rewards

 

Earn one point per every net dollar spent.

 

 

APR

  • 0% APR for 15 months on balance transfers made within the first 45 days of account opening. 
  • 14.99% APR (Variable) on purchases and balance transfers
  • 25.24% APR on cash advances

 

Annual Fees

  •  $495 per year
  • $195 for each Authorized User added to the account

 

Credit Needed

 

Excellent

 

Fees

  • $5 or 3% of balance transfers, whichever is greater
  •  $10 or 5% of cash advances, whichever is greater
  •  $37 maximum on late and returned payments

 

 

Details:

  • If you redeem your cash back for airline tickets with the Visa Black Card’s Exclusive Rewards Program, your rewards will  be worth double their amount. So, 15,000 rewards points ($150) turns into 30,000 points ($300). This means if you use your cash back exclusively on airfare, you will receive consistent 2% rewards on your everyday purchases.
  • Potential double rewards also means your sign-up bonus of 25,000 bonus is worth $500 if you spend it on travel through the Exclusive Rewards Program.
  • Your rewards may be received in the form of cash back, gifts cards, or merchandise.
  • Points never expire as long as your account is open and in good standing. To achieve this, pay your minimums and carry a balance at least once every 6 months.
  • There is no foreign transaction fee and the amount of points you may accrue is unlimited with the Visa Black Card.

 

Notes:

  • For your $495 annual fee, this card comes with a range of Visa Signature benefits, such as travel accident insurance, trip cancellation insurance, auto rental collision damage waiver, global acceptance, luggage reimbursement, baggage and trip delay insurance, price protection, extended warranty, and roadside dispatch.
  • You will have access to unlimited airport lounge visits at over 350 lounges in 200 different cities around the world.
  • You will receive luxury gifts from top brands around the world. Cardholders have reported receiving a Patagonia backpack, a pair of Ray Ban Aviators, a Maglite, a Cross pen set, and a Swatch chronograph watch. Items are distributed one at a time, roughly once a year.
  • An additional perk is Luxury Magazine, an exclusive members-only lifestyle magazine that highlights luxury living trends in the categories of interior design, art, fashion, travel, transportation, and technology.
  • Just by showing your Visa Black Card, you will receive VIP treatment at over 3,000 hospitality-designated properties, such as hotels, resorts, and villas. This can include room upgrades, vouchers for food or beverages, late checkouts, and more.
  • It feels impressive and looks cool. Notwithstanding the large “BLACK CARD” label on front and its minimalist detail, the card is also made of stainless steel/carbon—an upgrade from the usual plastic.
  • You will have access to a 24-hr concierge service, a perk with Visa Signature cards. Give them a call if you need help with entertainment planning, reservations, information about the city or country you are in, help with tour planning, travel information, business services, gift arrangements, or specialty services like finding a dog groomer.
  • The Visa Black Card is issued by Barclays Bank Delaware

 

Areas of Limitation:

The annual fee here would be the most obvious limitation. Even with all of its advantages, this could still be a deal breaker. For some, the allure of the black carbon card and its benefits might offset the toll of the annual fee. For others more focused on the earning potential of the card, the desirability of the Visa Black Card all depends on whether or not you are get enough value our of the card to justify the $495 annual fee.

 

Summary:

The Visa Black Card is an impressive card whose perks can be valuable for frequent travelers. Its many benefits and global VIP perks, as well as its sign-up bonus and its inherently impressive look and feel will also be reasons to get this card, despite the hefty annual fee.



All reviews are prepared by CreditCards.com staff. Opinions expressed therein are solely those of the reviewer. The information, including card rates and fees, presented in the review is accurate as of the date of the review.