Visa Black Card

From LoveToKnow Creditcards

The Visa Black Card is designed for the discriminating cardholder who needs special personal services and a unique reward program to support a very exclusive lifestyle.

Status credit cards are popular targets for identity thieves.

Not For Everyone

This credit card is designed for the cardholder with an excellent credit score, who lives a luxury lifestyle and who needs special personal services and rewards everyday. The $495 annual fee provides the cardholder with special services around the clock. It was introduced to compete with the American Express Centurion Card, the by-invitation-only credit card which is commonly called the American Express Black Card.

Cardholders are rewarded for using the card. They can choose between two types of rewards:

A 1 percent cash back reward on purchases
Points which can be redeemed for:
- Gift cards
- Hotel stays
- Car rentals
- Travel on any airline

The card is not for everyone. The Black Card is designed for just the top 1 percent of residents in the United States. It is truly a status credit card, with a patent-pending black card which is made from carbon graphite. It is best for cardholders who pay off their balance since the APR is over 13 percent.

Cardmembers who travel can take advantage of the included travel insurance benefits and the no-cost airport travel lounge passes. All cardholders can also take advantage of the superior service provided by the 24-hour world class Concierge Service.

Visa Black Card Benefits

Cardholders of the Black Card have access to many helpful insurance benefits at no cost. Specifically, cardholders have the confidence of access to:

$250,000 in Travel Accident Insurance – Covered for accidental death or dismemberment while traveling on an airplane or other public transportation if tickets were purchased using the Black Card.
$300 in Baggage Delay Insurance – Receive $100 a day for up to three days to purchase essential items that you need while you wait for your baggage to catch up with you.
Auto Rental Collision Damage Waiver – Covered for rental car collision or theft.
$1,500 Trip Interruption or Cancellation Insurance – Reimbursed if your trip is interrupted or cancelled.
Purchase Security – Purchases will be replaced, repaired or reimbursed for the first 90 days after purchase – up to $500 per claim.
Warranty Manager – Original manufacturer's warranties are centrally registered and their life spans are doubled up to one additional year.

Concierge Service

Concierge professionals are available 24/7 to provide services for cardholders while they are at home or traveling.

Entertainment Planning

Your concierge can provide entertainment information and referrals or make reservations at restaurants, health clubs, sporting events and golf courses.

Business Services

Whether you are traveling alone or attending a conference, your concierge can help you with referrals and arrangements for:

Conference services
Emergency translation services
Computer and audio visual equipment rental

Concierge professionals can also provide you with a convenient message service and foreign protocol information.

Travel Information and Assistance

A concierge is available 24/7 with information on a variety of topics including:

Weather forecasts
ATM location
VISA passport locations
Customs and duty information
Hotel and car rental information
Flight and mass transportation information, schedules and ticketing

Country and City Information

Whether you are traveling on business or taking a lazy weekend away, your concierge can provide you with the information you need including:

Events, festivals and exhibitions
Sites to see
Local time and holiday information
Shopping information

Gift Arrangements

A thank-you gift for a business associate or a floral arrangement for a relative can be ordered by your concierge. Specifically, your concierge can:

Order floral arrangements
Purchase gift baskets
Purchase specific gifts
Make recommendations for gifts

Specialty Services

If you need help finding a specific product or service, just ask your concierge. He or she can provide you with assistance on:

Where to purchase special items such as rare records or books
Tips on where to find hard-to-find household items
Referrals to service specialists such as tailors, dressmakers or doll repair hospitals

Introductory Offer

New cardholders are encouraged to transfer balances from other cards to their new Black Card. Transferred balances are charged a 0% APR for six months.