I Got A Black Card Offer!

I was checking the mail the other day and noticed an application for a Black Card. The American Express Black Card is the most exclusive and prestigious credit card that anyone can own. The card has no credit limit and is used by many high rollers around the world. I am not a credit card guy but I have to admit that I found the possibility of getting an American Express Black Card exciting. So, I opened the application and what did I see?

I received a credit card offer for a VISA Black Card.  You may be wondering like I was, what is a Visa Black Card? I had no clue so I decided to look up some of the specifics of the Visa versionof the black card.

The Visa Black Card is for those who demand only the best of what life has to offer. It is not just another piece of plastic; made with carbon, it is the ultimate buying tool.
  • 24-hour concierge catering to all or your entertainment, travel, business, and lifestyle needs
  • Access to over 600 airport lounges worldwide
  • Redeem points for airfare on any airline with no blackouts or restrictions beginning at only 25,000 points for a ticket worth up to $500
  • Redeem points for 1% cash back
  • Zero liability provides complete protection against unauthorized purchases
  • Made with carbon, creating a more unique and durable cardApply Now!

Here’s what I found out:

  • The card is issued by Barclay’s Bank in Delaware.
  • The card is marketed to only 1% of the population.
  • The card has a 13.24% base interest rate.
  • The card has a $495 Annual Fee.
  • The card allows its members to get luxury gifts and exclusive concierge service.

The Real Story

The Visa Black Card is a rival to the American Express Black Card. It’s not exclusive and has nowhere near the prestige of the American Express Card. Since the card is marketed to 1% of the population, there are over 3 million people who receive offers in the mail. Everyone else can apply right on Visa’s website for the card.

The interest rate is 0% for the first six months and rises after that. There are a lot of better credit cards out there with much lower interest rates.  I would say that this card is best for people that spend a lot of money annually on credit card charges. For the regular everyday customer, this card is not the best option because of the big annual fee. If you are a big spender and enjoy a lot of perks then you could do a lot worse than the Visa Black Card.

The free gifts and perks make the Visa Black Card an attractive option for high rollers.


  1. Not sure to say Congrats or Bummer

    The fee is steep just for a card, however membership has its privileges

  2. That is so funny!

    Almost $500 fee – not even any bonus miles?

  3. Spray your card indeed if its the color that will give you pleasure in holding a piece of plastic!

    Seriously, why would you pay a 500$ fee to hold a credit card?

  4. Haha, I’m sorry for you dissapointment. I received an American Express Zinc application I believe. And, much like you, I was kind of excited even though I’m not a credit card person.

    After my initial excitement, I was able to tear it up and throw it in the trash with the others.

  5. The two thoughts that came into my head were YIKES and YIKES.

    Yikes at the $500 annual fee.
    Yikes at no credit limit. (for the AMEX card)

    What if someone stole the card..seems so risky to have something with such a huge credit line.

  6. I got the Visa card offer not the Amex though! These days I get nothing after I opted out of prescreened offers!

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