Credit Card Review & Application

Visa Black Card

4.5

out of 5

- Earn 25,000 Bonus Points When You Spend $1,500 Within 90 days of Account Opening
- 1% Cash Back as a Statement Credit
- 100% More Value on Airfare Rewards. It Only Takes 25,000 Points to Get a $500 Ticket
- 24-Hour Concierge Service
- Unlimited VIP Airport Lounge Visits
- Luxury Gifts
- Excellent Credit Needed



Intro APR: 0%*
Intro Period: 15 months
APR: 14.99% (variable)*
Annual Fee: $495*
Issuer: Barclays Bank Delaware
Card Network: VISA®
Card Category: Consumer (Premium)
Card Type: - Reward Card
Credit Needed: Excellent*

by

*As seen on New York Post, Forbes and Yahoo! Finance.

The Black Visa Card is issued by Barclays Bank Delaware. It's a special credit card constructed out of patent pending carbon graphite. It offers unique privileges and benefits unavailable to numerous other cards in this category. Card members enjoy high credit limits with which to purchase items and live a good life.

An introductory APR period applies towards balance transfers and cash advance checks. 0% interest rate is charged throughout the intro period lasting over a short term period. During and after the intro period, purchase APR remains low and highly competitive although this varies according to the prime rate. Balance transfers and cash advances both incur 3% transaction fees respectively.

A downside of this card is its high annual fee per year. For those who'll take advantage, the benefits card members stand to gain may outweigh burden of a high annual fee.

Card members participate in a cash rewards program to earn 1% cash back on all eligible purchase transactions. Members redeem cash back for travel rewards on any airline once they've reached the minimum limit.

Additional benefits include round the clock access to a concierge service providing top-class booking services, whether its tickets to one of the best restaurants in the country, or a well-planned vacation, the concierge service is there to make planning much easier. Card members also receive exclusive gift from some of the worlds' top brands. When traveling, individuals who possess this card will receive a Travel Lounge Priority Pass.

Online account access lets card members check their account balance through paperless statements. Frequent checking using this feature will guarantee fast detection in event of Identity Theft.

The Black Visa Card is a card reserved for individuals having good or excellent credit ratings with a solid history. Its carbon graphite make-up make it one of the few cards out there in this category. Card members are exposed to a whole new life of free gifts and exclusive access wherever not possible. The discounted concierge service ensures business or personal arrangements come as easy as possible without any stress on the card members' part.

See applicable terms and conditions before applying.

Reward Type: - Travel Reward Cards
Reward Unit: Cash
Rewards: - 25,000 Bonus Points When You Spend $1,500 Within 90 days of Account Opening
- 1% Cash Back as a Statement Credit
- 100% More Value on Airfare Rewards. It Only Takes 25,000 Points to Get a $500 Ticket
- Redeem Points On Any Airline With No Blackouts Or Restrictions
Expiration: None
Yearly Limit: None
Other Benefits: - Unlimited Airport Lounge Visits
- 24-7 Concierge Service
- Unlimited Cash Back
- Unrivaled Travel Rewards
- Luxury Gifts
Comments: The Grace Period does not apply to Cash Advances, Balance Transfers or Convenience Checks.
Online Account Access: Yes
Introductory APR: 0%*
Applied Towards: Balance Transfer, Checks
Introductory Period: 15 months*
APR on Purchases: 14.99% (variable)*
Annual Fee: $495*
Grace Period: 20 days*
Min Finance Charge: $1.00
Late Payment Fee: $39.00*
Over Limit Fee: $39.00
Balance Transfer: Yes
Transfer Fee (%): 3.00%
Minimum Fee: $5.00
Maximum Fee: $50.00
APR Cash Advances: 19.99%
Cash Advance Fee: 3.00%
Minimum Fee: $10.00
Additional Fees - Returned Payment Charge: $29 ; for Residents of Iowa $15
- Returned Convenience Check Charge: $29; for Residents of Iowa 5% of the amount of the check, $20 minimum, $50 maximum
- Purchase of money orders, travelers checks, foreign currency, lottery tickets, gambling chips, or wire transfers: 3% of the amount of the purchase, $10 minimum, no maximum.
- Currency Conversion Charge: 3% of the U.S. Dollar amount.
We do not offer online application for this card at the moment.


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† The information provided for Visa Black Card is believed to be accurate at the time of evaluation (Jan 22, 2014). We strongly advise visitors to review the terms and conditions to verify accuracy of the information posted prior to applying for the product.




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