Does anybody have the Visa Black Card?

[Awesomely]

Yes the annual $495 fee is atrocious but just wanted to know if anybody here has one. 

[Anonymous]

what is the benefit of having this card that outweighs the huge fee??  Ive had some CA experience and know this card is popular with bustouts and people right out of college who you know wont be able to handle this card.....worst part is the min line you can assign is 5k cuz of the fee!  Either way I cant see how someone could justify that fee

[veracious]

The Visa Black Card is only for those who's regular concierge is on vacation or too busy to attend to your immediate attention.

The annual fee associated with this card is meaningless to those who require special attention to their needs.

Believe me, I couln't afford 1/4 inch of  the assets accociated with this card, so consider my comment for what it's worth.

Someone wants it, someone needs it,  and someone uses it.       So hooray for them!

[Anonymous]

By all accounts this card is junk (do a goole search and see what folks are saying).  You're better off with a card like the Chase Sapphire, which has a lower annual fee and better rewards.  If you are approved for the "Signature" variety (CL of $5000 or higher), then you have access to the Visa Concierge which will provide equivalent service to the one provided with the Black Card, and use the savings to buy Priority Pass directly or a la carte lounge access.

You're missing out on the carbon fiber card, but folks say the Sapphire Preferred card feels pretty good and different to a standard card.

[andre181]

With that high of an AF I would rather just get an AmEx Platinum, which is probably easier to qualify for and you would have higher spending power.

[Anonymous]

great call on the ax plat.  i was thinking visa/mc network cards for acceptance.  but for benefits the ax plat eats the "black card's" lunch!

[Anonymous]

Hi, pretty sure OP asked politely if anyone had this card, not for unsolicited trash-talking from the peanut gallery on why you shouldn't own it.

[fused]

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@Anonymous wrote:

Hi, pretty sure OP asked politely if anyone had this card, not for unsolicited trash-talking from the peanut gallery on why you shouldn't own it.

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Lets keep things friendly! If you have concerns about posts, please send the mods an "abuse report". Thank you for your understanding!

--fused, myfico moderator

[Awesomely]

Yeah basically the general consensus on the card is pretty negative, I read that a few people have gotten approved for the card with income between $10,000 - 20,000.

[Anonymous]

I don't have it, but I wouldn't recommend it. This card is such a joke; it isn't even a visa signature and the rewards are awful.  There has been marketing (magazine ads, billboards even) portraying it as an exclusive card, yet the very existence of the advertising campaign barclays runs is a sign of the card's pedestrian origins and intended market. 

I concur that amex plat would be a much better option.