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
Annual Fee
Purchase Intro APR
Purchase Regular APR
Balance Transfer Intro APR
Balance Transfer Regular APR
15 Months
$495
N/A
14.99%*
0%
14.99%*
Variable
Variable
Annual Fee
Purchase Intro APR
$495
N/A
Purchase
Regular APR
Balance
Transfer
Intro APR
Balance
Transfer
Regular APR
15 Months
14.99%*
0%
14.99%*
Variable
Variable

Offer 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 the provider's website.

Cash Advance Rate 25.24%
Cash Advance Fee 5%, Min: $10
Late Fee Up to $37
Balance Transfer Fee 3%, Min: $5

Savings

Savings over 1 year ‑$26
Savings over 3 years ‑$372

Transaction Type Value

Savings Details

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.

Rewards

Sign-Up Bonus

Earn points

All Purchases

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
Anonymous
Overall Decent credit card
by Anonymous
Helpful to 14 out of 14

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
Anonymous
Black card is useless product
by Anonymous
Helpful to 23 out of 25

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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† Credit Karma estimates your Approval Odds by comparing your credit profile with data about other members who were approved for this product. Though Approval Odds do not guarantee approval, they can show you which products may be a better fit for 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 January 2015 through June 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.

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