Visa® Black Card™

Sorry, this offer is no longer available on Credit Karma.
  • Stainless Steel/Carbon 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 - Luxury Magazine
  • Luxury Gifts from the World’s Top Brands
Annual Fee:
Purchase Intro APR:
Purchase Regular APR:
Balance Transfer Intro APR:
(15 Months)
Balance Transfer Regular APR:

Details, Rates & Fees

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* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the 'Apply Now' button, you can review the credit card terms and conditions on the provider's website.

Cash Advance Rate 25.24%
Cash Advance Fee 5%, Min: $10
Late Fee Up to $37
Penalty APR See Terms
Balance Transfer Fee 3%, Min: $5
Foreign Transaction Fee 3%
Return Payment Fee See Terms


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1% point per dollar

No cap on spending

Cardholders' Reviews

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Positive Review
Overall Decent credit card
by Anonymous
Helpful to 16 out of 16

Overall a decent card to have in your purse or wallet for everyday use.  I would rate the card 7/10 based on the services provided vs. annual membership fee.  If you use the card correctly when traveling or making reservation to events you could get your bank for your buck.  I think they could make a few adjustments that could approve the overall experience of the card.  One of my major issues I encounter monthly is the limited airport lounge compared to AMEX priority pass.  I travel out of the NYC area a few times a month and I never have access to a lounge in the terminal I’m departing from.  I think to stay competitive they should switch to priority pass from Lounge Club airport lounge access.  They should also let you redeem 20% of your points used the following calendar year like AMEX.  Lastly, they should develop a Black Card app, have a dedicated customer service for just the Black Card and improve the overall experience of the rewards site. 

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Negative Review
Black card is useless product
by Anonymous
Helpful to 31 out of 34

I just cancelled after two months. Gave up the $495 fee. On trip, card put on hold after one use in Las Vegas. I called and said I am at LaCoste and card decline. Why? Answer, maybe I am over credit limit. I said I am not. I charged a $225 dinner last night on a $25,000 limit and that was my only charge since I paid the balance in full last month. Again and one more time while people near the counter in the store could hear. Never so embarrassed. Had to fight to have it reinstated. I charged the amount, then asked the clerk to reverse. Only to show that I am not a deadbeat. I then used American Express which I have never had any problems with in about ten different countries. This is also the first review I have ever left in my life as I do not complain much.

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