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Visa Black Card

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Highlights

  • Stainless Steel Card
  • An Industry-Leading Rewards Program
  • Exclusive 24-Hour Concierge Service
  • VIP Treatment at over 3,000 Properties
  • Unlimited VIP Airport Lounge Visits
  • Members Only – Black Card Magazine
  • Luxury Gifts from the World's Top Brands

Rates & Terms

Purchase Intro APR Regular APR Annual Fee Balance Transfer Period
0% 14.99% $495 first 12 billing cycles
  • Purchase Intro Period: first 12 billing cycles
  • Balance Transfer Intro Rate: 0%
  • Balance Transfer Rate: 14.99%
  • Cash Advance Rate: 25.24%
  • Late Fee: Up to $35
  • Cash advance Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater.
  • Balance Transfer Fee: Either $10 or 4% of the amount of each transfer, whichever is greater. (During the first twelve billing cycles after account opening, either $10 or 3% of each transfer, whichever is greater).
  • Cash Advance Minimum: N/A
  • Balance Transfer Minimum: N/A
  • Credit Profile: Excellent Credit Score

Visa Black Card Review

This card sucks.

Time magazine named it one of the 5 credit cards you do not want due to the $495 annual fee and little extra benefits for the cost.

The Visa Black Card, issued by Barclays, is made of stainless steel and has a $495 annual fee. It is a sad knockoff of the elite, ultra-exclusive American Express Centurion card, AKA the Black Card, which requires a one-time "initiation fee" of $7,500 and a $2,500 annual fee, the highest fees of any credit card on the market.

Conclusion: don't get a credit card to impress anybody. Do the math and make sure the costs and benefits of any card make it worth applying for, especially whenever there's an annual fee involved. If you're willing to spend $495 a year for the Visa Black Card, make sure you'll reap enough benefits from it to make that annual fee worth it. Otherwise, it's a waste of money.