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Offered by: Barclaycard

Visa® Black Card™

  • 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

Average Approved Score Purchase Intro APR Purchase Regular APR Balance Transfer Intro APR Balance Transfer Regular APR
Typical Low: N/A
Typical High: N/A
  15 Months  









Additional Details

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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.

Offer Details:

Cash Advance Rate


Annual Fee


Late Fee

Up to $37

Cash Advance Fee

5%, Min: $10

Balance Transfer Fee

3%, Min: $5

Saving Details

Saving Details

Year 1

Year 2

Year 3

Balance Transfer Cost




Interest Savings on Transferred Balance




Interest Savings on New Purchases




Value of Rewards on New Purchases




Value of Bonus Points




Annual & Application Fees






Total Annual Savings




Total Savings over 3 Years


Credit Card Usage Profile

Transfer a Balance
  • Balance to Transfer: $2,500
  • Monthly Paydown: $600
  • APR: 21.99%

Earn Rewards

  • $1,000 Monthly Spending
  • $45 Gas
  • $75 Groceries
  • $20 Travel
  • $50 Restaurants
  • $50 Entertainment
  • $760 Other

Establish or Build My Credit

Card Details
  • Annual Fee: $495
  • Minimum Deposit: $0

Finance a Large Purchase

  • Initial Purchase Amount: $3,000
  • Monthly Paydown: $60
How We Calculated Your Savings

Credit Karma uses details about your credit card usage and data we have on current credit card offers to calculate how you might save money. These calculations are for illustration purposes only.

Savings are based on Credit Karma calculations and are not endorsed or commissioned by any advertisers. These calculations are for illustration purposes only. If bonus is included in savings estimate, it is assumed offer qualifications are met.

Note: Sample data consists of Credit Karma members who hold this card.

Compare Holders of This Card

Visa® Black Card™ Cardholder Comparison Coming Soon!

We’re working hard to collect and analyze information about typical cardholders. When we have enough data available, you’ll see charts and statistics about this card, right here on Credit Karma. Check back often for updates!

33 Cardholder 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 Recent Reviews

Overall: Ok card. Very Expensive Fee Helpful to 1 out of 1 people

They need to make changes to this card to remain competitive.  I never have access to a lounge when traveling domestic.  They need to drop Lounge Club and add Priority Pass, actually get a dedicate concierge department dedicated to the Blackcard, and at least offer 10% cash back the following calendar year to justify the $495 fee. 

Mar 17, 2015
Just mediocre Helpful to 4 out of 4 people

I've had this card for a year. I enjoy the quarterly magazine and thus far I have recieved a $27 Cross pen for a gift. 

Recently during a six hour lay over in Chicago (thanks conceirge),  I was dismayed to find out that the lounges at O'Hare were for international flights only- rendering the Lounge Club pass useless. I have since bought 25 hours at Net Jets.

Last week I recieved a call from the concierge, I missed it, but in her message she said that she would send an email-I haven't recieved it.

I think I'll give this card another year, but so far I'm not impressed.

pumpdada's response was:    

Feb 14, 2015

pumpdada(4, 28)

Best card I've every had Helpful to 4 out of 6 people

My favorite part of having the card is the Concierge. That and the cool gifts I get. The conciege is very helpful, they are great at what they do, and they can pretty much do anything you can think of. Have saved my bacon many times. Add to that double point value on airfare, and this is truly a great card. I would recommend to anyone who wants a card that makes a bit of a statement. Put down a heavy metal card and people definitely notice.

Feb 06, 2015
Best Credit Card I have ever had! Helpful to 3 out of 3 people

This card goes beyond just being a credit card.  Great point system, Hotel & Travel programs 'pays for itself' with complimentary breakfasts and upgrades.  Recent snowstorm, my flight was delayed causing me to miss my connection.  I emailed the Black Card Concierge team and within 30 minutes was booked on a new flight getting me home on time.  Easy and awesome.

Feb 03, 2015
If you want a PA this is your card! Helpful to 5 out of 5 people

This card has the best concierge team!! They literally take care of anything for you. All I have to do is all in with my account information and tell them what I need done and they take care of it and follow up with a confirmation email. Anything from travel to shopping or getting you a rez at a hot new restaurants. 

bika85's response was:    

Feb 02, 2015

bika85(1, 5)

See all 33 Reviews of Visa® Black Card™

† These Approval Odds represent Credit Karma's estimation of how likely you are to be approved for a product based on a comparison of your profile with data about Credit Karma members who have been approved for the product in the past (if available). There is no guarantee that you will be approved by the lender or that credit will be extended to you.

‡ Average score refers to the arithmetic mean, typical low score to the 5th percentile and typical high score to the 95th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from September 2014 through February 2015. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.