The Visa Black Credit Card

If you’re in the market for a high end credit card, check out the Visa Black card. It’s an exclusive Visa-branded credit card that’s backed by Barclay’s Bank and only available to ~1% of US residents (presumably selected based on credit history and income).

The key features of this card include:

• Limited Membership
• 24-Hour Concierge Service
• Exclusive Rewards Program
• Luxury Gifts
• Travel Lounge Priority Pass

The card also comes with a six month 0% balance transfer offer. The cost for all of this? $495 per year. While the concierge service, luxury gifts, and travel lounge pass (which provides access to airline lounges around the world) may be well worth it, the rewards program is a simple 1% cash back or points for airline travel.

If you’re mainly after a reward credit card (and you don’t mind carrying a less exclusive card) you’re better off applying for something like Blue Cash from American Express. Then again, the Visa Black card is made from carbon graphite (seriously), so…