The Barclay Card - Visa Black
There has been much hype and consideration given to the new Visa Black Card from Barclay’s Bank, from several different avenues.
The financial sector, entertainment sector (the ultra-cool videos featuring Donna Feldman pitching the accoutrements of the elite card) and even travel industry – given the many airline rewards points the card offers.
Make no mistake; the Visa Black Card is a card for the prestigious. Flashing it to pay for something is very much intended to make a statement, as the arresting carbon fiber design shows.
It's almost like it sucks in the light, drawing everyone's gaze towards it; and although it can't quite lay claim to the almost otherworldly benefits available with the AMEX, it certainly has the look down pat. If nothing else, the Visa Black is a rich man's card for the rest of us - although not quite all of us.
What Does the (Visa) Black Card Offer Anyway?
- A Rewards Program for cardholders, with expensive gifts in the mail from places like Nordstrom's, Bed, Bath & Beyond, a Cross Pen set, complementary dinners at various steakhouses and restaurants, and more
- 24-7 Concierge Service. It really is like having a personal assistant
- Acces to VIP Lounges; 600 of them, in over 90 countries worldwide. Probably not Iran; but I haven't tried it out there so don't call me on that
- $42 monthly fee - compiled annually
- 1% cash-back on every purchase you make - if you put everything on it, you can easily make up for the annual fee
- The prestige of Exclusive, limited membership - let's face it; we all can appreciate exclusivity to some degree
- A Patent Pending Carbon Graphite Card - makes quite the thump when you ceremoniously lay it down edgewise
And of course, let's not forget the promises of the Visa Black commercials - jet-black helicopters and scantily-clad maidens, ushered to the sea for a day of frolicking in the sun aboard a jet-black cruiser. Now that is the life!
Is status important to you?
The Visa Black Card: Who Should Have It?
The ubiquity of the Visa Black Card should not be mistaken; just because it is on the market, doesn’t mean everyone that applies and receives a confirmation should keep the card.
If you are a young businessman, businesswoman, entrepreneur or frequently-traveling salesman, then the card can do wonders for you, and pay back its annual fee of about $42 monthly many times over.
The airport lounge exclusive entrance benefits would be worth the price of admission to the elite club of the Visa Black all by itself, for the frequent traveler.
For the businesswoman with clients, plopping down the patent-pending, substantial card down will impress the prospective buyer, sending the air of sophistication he has likely seen in the commercials.
Or if you are simply someone who appreciates the finer things in life, and enjoy showing off your status, then the card is for you; however, it will be inherently more expensive for the middle-class homebody who is not in a position to take advantage of Visa Black’s world-class travel appointments.
Visa Black’s reputation is most certainly earned. As an elite member of this charge-card fraternity, you will receive expensive gifts in the mail as a part of their rewards program, from stores like Nordstrom’s, Macy’s, top restaurants and steak-houses.
As the card bears the formidable name of Visa, it is recognized by just about all stores in the world, and backed, of course, by the conglomerate Barclay’s, with all the purchasing power ad reputation of a Barclay Card, as well.
Visa Black Card Fee
How much would you be willing to pay as an annual fee for the Visa Black Card
Luxury Travel in Black
The Visa Black Card is offered to just 1% of the population of the continental United States, and provides insurance coverage on a wide variety travel-related expenses, from luggage protection, to many other often unavoidable facts of travel.
A warm and friendly concierge service can make everything from hotel accommodations, restaurant accommodations, theater and city hotspot directions, to nearly anything else that a stranger in a strange land might have trouble rectifying or discovering.It’s patent-pending, sleek carbon darkness will catch eyes right away, and virtually command the eyes of customer service that here, is a man or woman that needs to be taken care of.
As a side note, there are several other cards here that might suit you better than the Visa Black, as they have no annual fees, and allow you to rack up Reward Points and Flight Miles.
Lastly, as far as the attractive benefits are concerned, the Visa Black offers a helpful zero percent charge on balance transfers for the first half-year.
Do you plan on having a prestigious black card someday?
The Many Black Cards
Despite all this, Visa Black's level of luxuriousness, if you will, shouldn't be mistaken for what most would call the true Black Card - the American Express Centurion.
Of course, the latter is probably unavailable, as it is by invitation only, and for people who spend a minimum of $250,000 yearly.
The barriers to entry for that card are about as high as they can get, with a $10,000 "initiation", a whopping $2500 annual fee, and other associated charges, for which you gain the ability to literally purchase anything without question, as well as a personal concierge service that probably puts Visa Black's to shame.
Credit card use simply isn't the same at these levels; you get what you pay for, at the very least.