Launched in 2008, The Visa Black Card is a Visa credit card starting October 1, 2015, that allows its members access to various luxuries and rewards. The Black Card is compared to the American Express Platinum Card, and is marketed as a high-end rewards credit card. The Black Card is issued by Barclaycard US, the United States subsidiary of Barclaycard, the credit card arm of Barclays. The card is thought to be marketed to the affluent and is sometimes confused with the American Express Centurion Card, an invitation-only elite card marketed towards the extremely wealthy. Unlike the Centurion Card (a charge card), the Visa Black Card is a credit card with a predetermined spending limit based upon qualification. It has been announced that on October 1, 2015, all Visa Black Cards will be replaced by an elite level MasterCard BlackCard with Chip enabled technology and MasterCard priceless benefits.
The Visa Black Card is made of stainless steel and includes many rewards and bonuses. As of January 2015, the card has an annual membership fee of $495 for the account holder, and $195 for every additional authorized user on the account. Other membership perks include a luxury members only magazine and 24-7 dedicated concierge service.
Features
Holders of the card receive such benefits as cash-back bonuses, worldwide acceptance, a 24-hour concierge service and gifts.
The concierge service offers a wide variety of services including entertainment planning, business services, gift arrangement, travel information and assistance.
The company also offers travel insurance for luggage, trip interruption/cancellation, rental car damages, warranty manager service, and purchase security on up to $500 per claim. The $495 yearly fee gives members limited enrollment in the VIP lounge program that provides access to many airport lounges.
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Media
In early 2009, the card's full-page New York Times ad was the focus of a Stephen Colbert segment pretending to misunderstand the name as racial. The Black Card Visa has also been featured as the premier high-end credit card in Vegas magazine, Ocean Drive, Capitol File, LA Confidential.
Time Magazine dubbed the Visa Black Card one of the "5 Credit Cards You Don't Want In Your Wallet." Citing CardHub, the magazine called the black card the worst general consumer credit card as a result of its membership fee.
In a positive review, Consumerism Commentary explains that the card's fee should be offset by the cutback rewards and concierge services.
Legal disputes
Black Card LLC successfully registered the term "Black Card" as a U.S. trademark in 2009. However, American Express offers its own exclusive black-colored card called the Centurion Card, which it contends was popularly known as "the Black Card" well before the launch of the Black Card Visa card, despite never seeking to trademark that name itself. American Express filed suit against Black Card LLC in February 2010, claiming that the trademark was obtained improperly and seeking injunctive relief against Black Card LLC. This suit was concluded in November 2011, with the U.S. District Court for the Southern District of New York ruling that Black Card, LLC's trademark of the name "Black Card" should be canceled on grounds that it was merely descriptive. (See also American Express Marketing and Development Corp, et al. v. Black Card, LLC, 2011 U.S. Dist. LEXIS 133151 (S.D.N.Y. November 17, 2011.)
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