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Visa Black Credit Card

Visa® Black Card™

- Limited Membership
- 24-Hour Concierge Service
- Exclusive Rewards Program
- Luxury Gifts
- Travel Lounge Priority Pass (unlimited visits)
- 1% Cash Back
- Travel with No Blackouts or Restrictions
- Patent Pending Carbon Card

(5.0 out of 5.0)

Information - Rates - Fees

Intro APR:

0%*

Applied Towards:

Balance Transfer
Checks

Intro Period:

15 months*

APR:

14.99%*

APR Type:

variable

Annual Fee:

$495.00*

Issuer:

Barclays Bank Delaware

Card Network:

VISA®

Card Category:

Consumer (Premium)

Card Type:

Reward Card

Credit Needed:

Excellent*

Grace Period:

20 days*

Min Finance Charge:

$1.00

Late Payment Fee:

$39.00*

Over Limit Fee:

$39.00

Balance Transfers

Balance Transfer:

Yes!

Transfer Fee (%):

3.00%

Minimum Fee:

$5.00

Maximum Fee:

$50.00

Cash Advances

APR on Cash Advances (%):

19.99%

Cash Advance Fee (%):

3.00%

Minimum Fee:

$10.00

Other Fees

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.

Comments

The Grace Period does not apply to Cash Advances, Balance Transfers or Convenience Checks.

Review

This credit card is specially intended to serve those individuals who want to enjoy unique benefits accompanying a luxury card. It's a low interest credit card charging highly competitive interests. An introductory APR period applies towards balance transactions and cash advances. Card members are charged zero interest during this short-term period.

On the cash back program, card members earn 1% on virtually all purchases. Cash back earned continue to accumulate until there's enough cash to redeem travel rewards of choice. Card members also receive free gifts and exclusive discounts from some of the world's top brands.

An annual fee is deducted from the card account every year. Card members enjoy round the clock access to a concierge service.

This card is made out of a patent pending carbon graphite.

Features

Most attractive:

- Introductory rates
- Limited Membership

Least attractive:

- Annual fee

Rewards & Benefits

Reward Type:

Travel Reward Cards

Reward Unit:

Cash

Rewards:

- 1% cash back on purchases or points that can be redeemed for travel on any airline at anytime.
- 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

Online Access: