Offered by: Barclaycard

Visa® Black Card™

  • Stainless Steel Card – Patent Pending
  • An Industry-Leading Rewards Program
  • Exclusive 24-Hour Concierge Service
  • VIP Treatment at over 3,000 Properties
  • Unlimited VIP Airport Lounge Visits
  • Members Only – Black Card Magazine
  • Luxury Gifts from the World’s Top Brands
N/A Average Credit Score Approved for this Card
N/A Lowest Credit Score Approved for this Card
Purchase Intro APR Purchase Regular APR Balance Transfer Intro APR Balance Transfer Regular APR
12 Months   12 Months  

0%

 

14.99%*

Variable

0%

 

14.99%*

Variable

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 "Take Offer" button, you can review the credit card terms and conditions on the provider's website.

Offer Details:

Cash Advance Rate

25.24%

Annual Fee

$495

Late Fee

Up to $35

Cash Advance Fee

5%, Min: $10

Balance Transfer Fee

4%, Min: $10

Saving Details

Year 1

Year 2

Year 3

Balance Transfer Cost

‑$702

$0

$0

Interest Savings on Transferred Balance

$4,051

$1,721

$1,170

Interest Savings on New Purchases

$1,676

$1,920

$3,758

Value of Rewards on New Purchases

$912

$912

$912

Value of Bonus Points

$500

$0

$0

Annual & Application Fees

‑$495

‑$495

‑$495

 
Savings:
Total Annual Savings

$5,942

$4,058

$5,345

Total Savings over 3 Years

$15,345

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.

Compare Holders of this Card
Credit Score
Credit Limit
Current Balance
Credit Limit Utilized
60+ Days Past Due Status
Age of Cardholder
Sample Size: 173
Data Created: October 01, 2013

34 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

Visa Black card is absolute worst

Visa Black from Barclays is the worst, apr of over 30% penalty, $495 annual fee. Lounge access is a hoax after a while they don't allow you access. Furthermore when I went to close the account they did not post my rewards thus giving me an ultimatum of accepting 495 fees and realize rewards or forfeit rewards. Ultimately closed the account forfeiting reward points.

Apr 15, 2014
Just Approved Helpful to 1 out of 1 people

I had heard about the BlackCard from a few friends that currently have this product and the Amex centurion. They all had different experiences with it but all seemed good. I had applied over the phone with relative ease. I am only 24 with but I got approved for a 5k limit, which doesn't seem like a lot. I will be using this card as well as my Amex Platinum since most places do not accept Amex and will see how they stack up comparatively. So far so good though. I had a 711 credit karma score and ok income. I hope the services they offer live up to the annual fee though. 

blake8193's response was:    

  Feb 04, 2014

blake8193(13, 24)

Top Contributor

Review by blake8193

13 Contributions 24 People Helped

Top Contributor

Getting approved Helpful to 1 out of 1 people

Does anyone know what qualifications one mush have in order to qualify for this card? I am 24 years old and have an income around 90k. I already have American express and wanted this card for places that do not accept Amex. What has other peoples experiences been like?

blake8193's response was:    

  Jan 30, 2014

blake8193(13, 24)

Top Contributor

Review by blake8193

13 Contributions 24 People Helped

Top Contributor

Excellent rewards and new perks Helpful to 3 out of 3 people

I hated this card when I first got it. Average credit line and expensive to carry. It originally came with international transaction fees too! I thought the airline club membership would be nice since I travel internationally but they aren't easily accessible on the flights I am taking. I was intent on closing it but when I was looking at the rewards, especially if redeemed for flights, this blows all the other cards away by double. Plus, this year they started waiving the international transaction fees.

Dec 17, 2013
CEO Helpful to 2 out of 5 people

I use this card frequently, and rack up 50-100k points every three months...those free airfares sure make up for the 495.00 annual fee.

cowboyfsk's response was:    

  Mar 27, 2013

cowboyfsk(1, 2)

Review by cowboyfsk

1 Contributions 2 People Helped

See all 34 Reviews of Visa® Black Card™

† Credit Karma members have received approvals with these TransUnion New Account credit scores. These approval metrics are only guidelines and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.