Re: Anyone have the LUXURY CARD? (BLACK CARD)

Anonymous · ‎02-20-2017

I've wanted this card for a while now but the annual fee really kills it for me. Anyone really get back their AF with the benefits it offers? I really just want it because I'm a carbon fiber junkie and mixed with stainless I'm sure it feels killer. I think I'd get approved for it at 730-760 scores across the board and $125k annual income.

Anonymous · ‎02-20-2017

I understand why you want it and I've thought the same about the gold card...they're cool, but they are both junk. You can get way better cards for the money.

Anonymous · ‎02-20-2017

Nope. Don't want it.

From what I hear though it's an easy approval just like the Rewards MC was like back in the day.

Berk · ‎02-20-2017

@Anonymous wrote:
I've wanted this card for a while now but the annual fee really kills it for me. Anyone really get back their AF with the benefits it offers? I really just want it because I'm a carbon fiber junkie and mixed with stainless I'm sure it feels killer. I think I'd get approved for it at 730-760 scores across the board and $125k annual income.

If all you want to do is feel the card from time to time and can justify $495 a year for tactile pleasure then by all means get it. It's your money - you can do with it what you want. I get much better travel benefits with the Amex Plat card. I would never even consider the Black Card.

Anonymous · ‎02-20-2017

Not just NO but H-E-double hockey sticks NO!

There are better cards for sure and significantly less obnoxious than the "appearance" of that card.

elim · ‎02-20-2017

@Anonymous wrote:
I've wanted this card for a while now but the annual fee really kills it for me. Anyone really get back their AF with the benefits it offers? I really just want it because I'm a carbon fiber junkie and mixed with stainless I'm sure it feels killer. I think I'd get approved for it at 730-760 scores across the board and $125k annual income.

I build a lot of fast/light boats. Bring a few of your cards by my shop and i'll CF them up for you. A Carbon/Kevlar weave maybe?

happypill · ‎02-20-2017

The Black and Gold luxury cards from Barclay's are definitely not worth it based on their rewards and perks. The only situation I've heard of where they make sense is active duty military, where Barclay's waives the AF. I'm not in the military so I don't know if this is true or not, but with $0 AF I think they'd be OK to have (still wouldn't get any use in my wallet compared with other cards).

Creditplz · ‎02-20-2017

One of my friends has one, it's whatever I'll stick to my Platinum

resilient · ‎02-20-2017

@happypill wrote:
The Black and Gold luxury cards from Barclay's are definitely not worth it based on their rewards and perks. The only situation I've heard of where they make sense is active duty military, where Barclay's waives the AF. I'm not in the military so I don't know if this is true or not, but with $0 AF I think they'd be OK to have (still wouldn't get any use in my wallet compared with other cards).

And even the sun has set on that. We no longer get the fee waived, for those of us who didn't get the card prior to I believe the end of last year of the beginning of this year. I was going to re-apply but saw they stopped that.

Amex Platinum Amex PRG Amex Hilton Surpass ($7k) Citi AAdvantage WEMC ($20k) Citi Hilton Honors VS ($6.8k) Dillard's Amex ($7.5k) Discover it ($6.5k) FNBO Chrysler MC ($30k) Military Star Card ($4.8k) Nordstrom VS ($25k) PenFed Power Cash Rewards VS ($20.5k) Ritz-Carlton VI ($54.5k) Starwood Preferred Guest Amex ($10k) Susan G. Komen WMC ($38k) Kinetic CU Visa ($10k) US Bank Cash + VS ($16k) Sears MC ($6k) USAA Limitless VS ($15k) Walmart MC ($7.5k) AAdvantage Aviator Silver WEMC ($11.3k)