Visa® Black Card Review

When an associate tells you to bring your plastic for a shopping trip, he or she is not referring to the Visa® Black Card. Unlike most other credit cards, the Visa® Black Card is not made from plastic but from a patent-pending carbon. According to Visa, this is the World's most prestigious and versatile credit card and is tailored toward those who spend $50,000 a year and more. However, acceptance is limited to 1% of all that apply.

Bonus Points. Currently, the Visa® Black Card offers an exclusive rewards program with 1% cash back or airfare on any airline with no blackouts or restrictions beginning at only 25,000 points for a ticket worth up to $500.

Annual Fee is $495. For the person who wants to carry black, the fee is not an issue. It is a small price to pay yearly for a 24/7 concierge service to assist with restaurant recommendations and reservations, golf reservations, tickets to sporting events, travel assistance, and specialty research and shopping.

Limited Membership. Membership is limited to ensure the highest caliber of personal service is provided to every Cardholder.

Global Acceptance. The Visa logo is known everywhere, and all national and International merchants recognize the status of black. As a cardholder you also have Access to over 600 VIP airport lounges worldwide in over 100 countries.

Zero Fraud Liability. If your card is ever lost or stolen, you will not be held responsible for any unauthorized charges from your card.

No-Stress Travel. Reimbursement for expenses incurred while dealing with lost luggage or cancelled trips.

Purchase Security. When you make a purchase with your Visa® Black Card, you receive purchase security. Visa® Black Card will replace, repair or reimburse up to a maximum of $500 per claim for eligible items within the first 90 days from the date of purchase.

The Visa Black Card is not for everyone. You must have superb credit to qualify. Some of the cardholders who do pay the $495 annual fee report that they earn that and more back on the 1% cash back option and the 24/7 concierge service which is said to be able to get just about anything accomplished for the elite cardholder.