@Anonymous wrote:I was wondering if anyone has a Visa Black Card and how the rewards points works. I know the annual fee is $495 but if that were the only card I used to pay bills (then of course pay them off every month in full) would I make enough to re pay the annual fee as well as enjoy some of the other perks?? Or would an AMEX BCE PREF be a better option because of the generous cash back. Thanks!
Don't have the visa black card, but I can tell you I would go with BCE pref. I don't think much of the black card to be honest. Its a lot of hype and is more of a sucker bet in my mind. If you wanted all the perks I feel there are other high AF cards that will give you similiar if not better benefits.
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@red259 wrote:
@Anonymous wrote:I was wondering if anyone has a Visa Black Card and how the rewards points works. I know the annual fee is $495 but if that were the only card I used to pay bills (then of course pay them off every month in full) would I make enough to re pay the annual fee as well as enjoy some of the other perks?? Or would an AMEX BCE PREF be a better option because of the generous cash back. Thanks!
Don't have the visa black card, but I can tell you I would go with BCE pref. I don't think much of the black card to be honest. Its a lot of hype and is more of a sucker bet in my mind. If you wanted all the perks I feel there are other high AF cards that will give you similiar if not better benefits.
Like a Ritz-Carlton? 
@Jaylima91 wrote:
Amex Platinum, Ritz, DC Elite and Citi Prestige are pretty good alternatives to the Visa Black Card. Inquire into those.
I like dc elite and Prestige for bonus spending categories if i had an choice, :-) With that being said i would have to see an really really heft signup bonus for me to even think about it.
@Anonymous wrote:Thank You all for the input. Im hoping for a good inital credit limit to somewhat offset the HI..best initial credit limit I got was 8.5 k three years ago. Since then my AVG. household income has gone up 100% or more and Ive bought a house and maintained good credit. I dred getting the AMEX and getting stuck with a 4k credit limit. Seems like that happens alot to ppl.
My opinion with amex is AAOA matters an lot to them with initial CL, i did get an fair CL when i got my edp in october which i just did 61 day cli with so i can't complain too much.