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Black Card Invitation

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Harvey26
Valued Contributor

Black Card Invitation

Came home today to a Black Card Mastercard Invitation for mom. I was so exicted like do you know how people actually get these in the mail. She looked at me and said "shred it". I think the APR she was offered was 16.99 and there APR online is 16.74. Hmmm interesting. But she is in love with her Flagship Card has a 30K limit and 11.99%. So I guess I cant be but so mad. 

Amex Everyday: 25k, BOA Cash Rewards: 50k , Best Buy Visa: 7k , VACU Mastercard: 11.5k, Discover: 25k, Amex Platinum (POT: 37.5k), Apple Card:4K, PNC Cash Unlimited: 36k, Citi Costco: 10.5k, Chase Amazon Prime: 10k, Rooms To Go: 10k
Message 1 of 17
16 REPLIES 16
Remedios
Credit Mentor

Re: Black Card Invitation

She probably read about benefits before shredding it, which would make it correct course of action. 

Message 2 of 17
Anonymous
Not applicable

Re: Black Card Invitation

Have you looked at the absurd AF for it?  It's a generic MC that doesn't offer much.

 

https://www.luxurycard.com/compare

Message 3 of 17
wasCB14
Super Contributor

Re: Black Card Invitation

Why were you so excited? It's generally considered one of the worst values among ~$500 AF cards (unless someone complains about the AF and gets it waived).

 

Maybe you're confusing it with the actually-hard-to-get Amex Centurion?

Personal spend: Amex Gold, Amex Schwab Plat., BofA PR+CCR(x2), Costco
Business use: Amex Bus. Plat., BBP, Lowes Amex AU, CFU AU
Perks: Delta Plat., United Explorer, IHG49, Hyatt, "Old SPG"
Mostly SD: Freedom Flex, Freedom, Arrival
Upgrade/Downgrade games: ED, BCE
SUB chasing: AA Platinum Select
Message 4 of 17
NRB525
Super Contributor

Re: Black Card Invitation

Listen to your mom.
Message 5 of 17
Remedios
Credit Mentor

Re: Black Card Invitation

You know it's bad when there are 4 posts in a sequence, all in agreement 

Message 6 of 17
Anonymous
Not applicable

Re: Black Card Invitation


@Remedios wrote:

You know it's bad when there are 4 posts in a sequence, all in agreement 


Nah, they are just jealous of OP's mother!

 

All the naysayers are forgetting:

 

LUXURY MAGAZINE®

Cardmembers receive LUXURY MAGAZINE, the exclusive quarterly publication covering a broad range of categories–including travel, fashion, real estate, vehicles and technology. Each issue showcases an artist’s work as the cover art, making it a limited-edition collector’s item.

 
That must be worth, what, 10c per year?
Message 7 of 17
wasCB14
Super Contributor

Re: Black Card Invitation


@Anonymous wrote:

@Remedios wrote:

You know it's bad when there are 4 posts in a sequence, all in agreement 


Nah, they are just jealous of OP's mother!

 

All the naysayers are forgetting:

 

LUXURY MAGAZINE®

Cardmembers receive LUXURY MAGAZINE, the exclusive quarterly publication covering a broad range of categories–including travel, fashion, real estate, vehicles and technology. Each issue showcases an artist’s work as the cover art, making it a limited-edition collector’s item.

 
That must be worth, what, 10c per year?

To maximize the confusion between Amex and Black Card, maybe Barclays should have gone with "Arrivals" for the magazine name (vs. Amex's "Departures"). Not sure if their existing Arrival CC trademark would cover it, though.

Personal spend: Amex Gold, Amex Schwab Plat., BofA PR+CCR(x2), Costco
Business use: Amex Bus. Plat., BBP, Lowes Amex AU, CFU AU
Perks: Delta Plat., United Explorer, IHG49, Hyatt, "Old SPG"
Mostly SD: Freedom Flex, Freedom, Arrival
Upgrade/Downgrade games: ED, BCE
SUB chasing: AA Platinum Select
Message 8 of 17
Remedios
Credit Mentor

Re: Black Card Invitation


@Anonymous wrote:

@Remedios wrote:

You know it's bad when there are 4 posts in a sequence, all in agreement 


Nah, they are just jealous of OP's mother!

 

All the naysayers are forgetting:

 

LUXURY MAGAZINE®

Cardmembers receive LUXURY MAGAZINE, the exclusive quarterly publication covering a broad range of categories–including travel, fashion, real estate, vehicles and technology. Each issue showcases an artist’s work as the cover art, making it a limited-edition collector’s item.

 
That must be worth, what, 10c per year?

 

And you can meet Mastercard Golf Ambassadors. Had I known that ...

Message 9 of 17
coldfusion
Credit Mentor

Re: Black Card Invitation

Listen to your mother.

(10/2025)
FICO 8 (EX) 838 (TU) 846 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
Message 10 of 17
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