- Earn 25,000 Bonus Points When You Spend $1,500 Within 90 days of Account Opening
- 1% Cash Back as a Statement Credit
- 100% More Value on Airfare Rewards. It Only Takes 25,000 Points to Get a $500 Ticket
- 24-Hour Concierge Service
- Unlimited VIP Airport Lounge Visits
- Luxury Gifts
- Excellent Credit Needed
4.5 / 5.0 (22 votes)
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Information - Rates - Fees

Intro APR:
0%*
Applied Towards:
Balance Transfer
Checks
Intro Period:
15 months*
APR:
14.99%*
APR Type:
variable
Annual Fee:
$495*
Card Network:
Card Category:
Consumer (Premium)
Card Type:
Reward Card
Credit Needed:
Excellent*
Grace Period:
20 days*
Min Finance Charge:
$1.00
Late Payment Fee:
$39.00*
Over Limit Fee:
$39.00

Balance Transfers

Balance Transfer:
Yes
Transfer Fee (%):
3.00%
Minimum Fee:
$5.00
Maximum Fee:
$50.00

Cash Advances

APR on Cash Advances (%):
19.99%
Cash Advance Fee (%):
3.00%
Minimum Fee:
$10.00

Other Fees

Additional Fees
- Returned Payment Charge: $29 ; for Residents of Iowa $15
- Returned Convenience Check Charge: $29; for Residents of Iowa 5% of the amount of the check, $20 minimum, $50 maximum
- Purchase of money orders, travelers checks, foreign currency, lottery tickets, gambling chips, or wire transfers: 3% of the amount of the purchase, $10 minimum, no maximum.
- Currency Conversion Charge: 3% of the U.S. Dollar amount.

Comments

The Grace Period does not apply to Cash Advances, Balance Transfers or Convenience Checks.

Review by

This credit card is specially intended to serve those individuals who want to enjoy unique benefits accompanying a luxury card. It's a low interest credit card charging highly competitive interests. An introductory APR period applies towards balance transactions and cash advances. Card members are charged zero interest during this short-term period.

On the cash back program, card members earn 1% on virtually all purchases. Cash back earned continue to accumulate until there's enough cash to redeem travel rewards of choice. Card members also receive free gifts and exclusive discounts from some of the world's top brands.

An annual fee is deducted from the card account every year. Card members enjoy round the clock access to a concierge service.

This card is made out of a patent pending carbon graphite.

Features

Most attractive:
- Introductory rates
- Limited Membership
- Bonus points
Least attractive:
- Annual fee

Rewards & Benefits

Reward Type:
Travel Reward Cards
Reward Unit:
Cash
Rewards:
- 25,000 Bonus Points When You Spend $1,500 Within 90 days of Account Opening
- 1% Cash Back as a Statement Credit
- 100% More Value on Airfare Rewards. It Only Takes 25,000 Points to Get a $500 Ticket
- Redeem Points On Any Airline With No Blackouts Or Restrictions
Expiration:
None
Yearly Limit:
None
Other Benefits:
- Unlimited Airport Lounge Visits
- 24-7 Concierge Service
- Unlimited Cash Back
- Unrivaled Travel Rewards
- Luxury Gifts
Online Access:
Yes!

The information provided for Visa® Black Card™ is believed to be accurate at the time of evaluation (Jan 22, 2014). We strongly advise visitors to review the terms and conditions to verify accuracy of the information posted prior to applying for the product.