The Visa Black Card claims to be “The world’s most prestigious and versatile credit card.” With an annual fee of $495, does the Visa Black card offer enough features to be considered worth the cost? Let’s explore this, and see what features and services the Black Card declares are unsurpassable.
Limited Membership
Black Card membership is limited to only 1% of the American population, thus insuring you top-notch service, and more personalized assistance. To be considered approved for usage of a Black Card you must report a high enough income, or have an outstanding credit score.
24-Hour Concierge Service
The 24-hour concierge service enables Black Card members to enjoy assistance specialized to their travel, business, entertainment, shopping and lifestyle needs.
Travel Information and Assistance:
- Weather forecasts/ATM locations
- VISA passport locations and referrals
- Customs, duties and information
- Mass transportation information and schedules
- Hotel information, referrals, reservations
- Mail/fax destination package
- Car rentals, limousine & car service information, referrals, reservations
Country and City Information:
- Highlights/sights/exhibitions/shows
- Festivals/museum/music entertainment information
- Time/hours/holidays information
- Tourist information
- Shopping information
Business Services:
- Conference service referrals & arrangements
- Emergency translation services via phone or arrangements
- Computer rental, audio/visual equipment referrals & arrangements
- Message service
- Foreign protocol information
Entertainment Planning:
- Restaurant information, referrals, reservations
- Health club information, referrals, reservations
- Sports entertainment event information, reservations, ticketing
- Golf tee time information, reservations
- Shopping location information
Specialty Services:
- Assistance with location and purchase of specialty items, such as rare books or records
- Referrals to specialty services such as dog groomers, tailors and doll makers.
- Hard to find items; special research and specialty shopping.
Most of these features are available on any Blackberry or iPhone, however, if you do not own a smart phone the information the concierge service offers could be valuable. This service can also be accessed via the internet or with an email to the Black Card Concierge Service.
Exclusive Rewards Program
Every time you use the Black Card for a purchase, you will receive either 1% cash back on the purchase, or travel points that can be redeemed anytime for any airline with no blackouts or restrictions.
Travel Priority Pass: Priority Pass is the world’s largest independent airport VIP lounge program, allowing you access to more than 600 airport lounges in over 100 countries worldwide.
Luxury Gifts: As a Black Card holder, you would have access to many luxury gifts, from some of the world’s top brands.
Other Benefits
- $250,000 Worldwide Travel Insurance
- 0% balance transfer for first 6 months
- $300 baggage delay insurance
- Auto collision damage waiver
- $1,500 trip interruption/cancellation insurance
Patent Pending Carbon Card
The patent pending Visa Black Card is made with carbon, in an attempt to try to make the card more unique. As Visa explains “The Black Card is not just another piece of plastic. Made with carbon, it is the ultimate buying tool.”
How To Apply
Depending on Visa’s review of your credit history or if the income you report is insufficient, you may be ineligible to open an account. Click here to access the Visa Black Card’s official website and online application.
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