Idk why people are crying over an AF when knowing the fact that if you spend daily on this card you will be able to pay back the AF of $495 without an ease . I mean don't get me wrong , it's an high AF amount . The thing is before applying you see that this card is an ULTIMATE SPENDING TOOL , so this means the more you use it daily the more points you get and believe it it not , AMEX is PLATINUM isn't any better and it's same BS !!! The difference with this card is that it's your choice if you would like to pay full amount the next month or not with Amex your stuck because no matter what you have to pay the entire amount even if you decide not to . So yea get this card if your score is over 720 and you make 75k-100k yearly . Have at least record of spending at least 30k to 50k on credit cards previously before even considering this card . Ciao !
ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL
- Balance Transfer Intro APR 0% intro for 15 Billing Cycles on qualifying transfers
- Balance Transfer Regular APR 15.99%* Variable
- Annual Fee $495; $195 for each additional user
- Purchase Intro APR Not Applicable
- Purchase Regular APR 15.99%* Variable
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There's a lot of better options out there like the chase sapphire reserve they give a 300 dollars credit toward any travel purchase which is great and you get a point on any other purchase than restaurant you get 3 points . With the black card you get one point regardless where you spend your buck and you only get 100 dollars worth of travel credit and the annual feel is higher. Looks really good and feels good you'll like all the compliments you get on the black card though..
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