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Visa® Black Card™

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
N/A
Typical Low: N/A
Typical High: N/A
  15 Months  

N/A

14.99%*

0%

14.99%*

 

Variable

 

Variable

* 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

25.24%

Annual Fee

$495

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

‑$527

$0

$0

Interest Savings on Transferred Balance

$4,051

$2,288

$1,325

Interest Savings on New Purchases

$685

$1,742

$3,535

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

$5,126

$4,447

$5,277

Total Savings over 3 Years

$14,850

Credit Card Usage Profile

Transfer a Balance
Edit
  • 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!


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

Confusing recon reasoning Helpful to 1 out of 1 people

With a TU FICO of 739 and $170K income, I was denied. The denial letter said: 'Due to federal regulations we cannot offer this credit to applicants with addresses outside of United States'. Of course this was wrong, so I called the recon line. Curiously, the rep already had my account up. She offered to review the application. I confirmed my address, employment and income. First she said I was denied because I have two accounts with Barclays. That's not what the letter said, but I offered to combine the credit lines. She said Barclays doesn't do that. I know that Barclay's can do that. She then encouraged me to re-apply in two months. I asked if there's a problem with my accounts. My payments are impeccable, utilization around 14% overall (6% on two Barclays cards). She acknowledged that I fit the profile for the card, but she can't approve it at this time and again encouraged me to apply again in two months. At the end, the reason for the denial was confusing. It felt like she was reaching for excuses not to approve my application and finaly just gave up and said: 'Re-apply in two months'. Very weird recon.

CreditStingy's response was:    

 
Apr 20, 2015
Overall: Ok card. Very Expensive Fee Helpful to 1 out of 3 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

pumpdada(4, 28)

Just mediocre Helpful to 4 out of 6 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
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

See all 34 Reviews of Visa® Black Card™

† 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 July 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.