Black Visa

Our Rating: Intro APR: 0% Intro Period: 6 Billing Cycles Annual Fee: $495 Setup Fee: $0 APR: 13.24% Terms and Conditions

Key Features Enjoy the personalized assistance of a 24-hour Concierge Service catering to entertainment, travel, business, shopping and lifestyle needs. Receive 1% cash back on all purchases with Black Card's Exclusive Rewards Program. Redeem points at a higher rate for flights on any airline at any time. No blackout dates or advance purchase requirements. Cardmembers receive luxury gifts from some of the world's top brands. Complimentary membership which provides access to over 600 lounges in more than 100 countries. Membership is limited to ensure the highest caliber of personal service is provided to each Cardmember. Cardmembers are eligible for benefits including Worldwide Travel Insurance, Baggage Delay Insurance, Trip Interruption Insurance, Warranty Manager Service and Purchase Security. APPLY NOW

The Visa Black Card, issued by Barclays Bank Delaware, is so unique it's not even made of plastic. It's made of a patent pending carbon card construction and offers its members exclusive rewards and benefits to match.

Through the Exclusive Rewards Program, Cardmembers can opt to receive 1% cash back on purchases or one point for every dollar spent on purchases. Points redeemed towards travel are redeemed at a 50% higher rate, and can be used on any airline at anytime, with no blackouts or restrictions. Rewards expire five years after they are awarded.

The star-quality benefits that come with this card include 24-hour concierge services, luxury gifts from top retailers, and access to hundreds of airport lounges with an exclusive Travel Lounge Priority Pass™. Additional benefits include travel accident insurance, a Collision Damage Waiver, $300 baggage delay insurance, $1,500 trip interruption/cancellation insurance, and more.

To access all of the benefits that come with this card, Cardmembers will be required to pay a $495 annual fee (and $195 for each additional cardholder). Although the APR for purchases and balance transfers are above average, cardholders will enjoy a 0% introductory rate on balance transfers for the first six billing cycles.

The APR for cash advances does have a minimum cap, which means that no matter how low the Prime Rate falls, the interest rate will not go below a predetermined rate.

Card membership is limited to ensure the highest level of service, so those who love the benefits of exclusivity, will find The Visa Black Card a great match for their fine tastes.

Review Date: 1/1/2006