What is the Black Visa Card? Update 2022 & 10 Facts

A Black Visa Card from HSBC is one of the most trusted brand in the world. It is designed in such a way that it makes customers feel at home. The card is loaded with great features like no annual fee, 24/7 customer service and no-fee ATM withdrawals.

What is the Black Visa Card?

The myth of a secret credit card issued exclusively to the ultra-wealthy has circulated for decades. It was rumored that this ultra-special credit card gave its holders nearly unimaginable freedom when it came to exotic purchases and access to the world’s most elite clubs.

When the American Express credit card corporation eventually disclosed facts about the American Express Centurion card, many individuals hoped that a more accessible credit card would soon follow. The Black Visa Card, or Visa Black, is one such alternative to the American Express Centurion card.

What is the Black Visa Card?

The Black Visa card is composed entirely of a black graphite composite material, making it truly black. This gives the card a really distinctive and upscale appearance and feel. Similar to conventional Visa credit cards, the holder’s identification is imprinted onto the card, however the rest of the card’s surface is a deep black color with no further designs.

Obtaining a Black Visa credit card is similarly difficult. Visa takes every attempt to restrict membership to 1% of the U.S. population. This exclusivity enables each member to get highly individualized treatment from a Visa employee designated as a concierge.

The concierge will personally board an aircraft to Taiwan and arrange for overnight delivery if a Visa Black cardholder requests rare Taiwanese flowers for a work dinner party. Visa Black credit limits are typically in the millions of dollars.

When the American Express Centurion card became offered to elite clients, a hefty annual charge of $2,500 US Dollars was imposed (USD).

Currently, the annual charge for the Black Visa card is a more modest $495 USD, however some cardholders are concerned that the card’s reduced annual price may attract a less exclusive group of potential cardholders. Given the complexity of the application process, however, it is possible that many of these concerns are unjustified.

Owners of a Visa Black are generally performers, politicians, and corporate leaders who have achieved extraordinary financial success.

While many users could simply pay cash for ordinary luxury products, the Visa Black card enables them to earn important travel points and other incentives. Visa Black cards almost ensure entry into the world’s most elite nightclubs and restaurants.

Visa’s official website allows anybody to apply for a Black Visa card, however acceptance is often limited to people and businesses who consistently do seven-figure or greater financial transactions. Visa retains the right to limit the overall proportion of applications it qualifies for the Visa Black credit card program due to the card’s exclusive nature.

Who qualifies for a black card?

It is difficult to get specific information on who is eligible for a black card. Some invitation-only credit cards, such as the Chase J.P. Morgan Reserve®, offer an added benefit if your assets are managed by a specific financial institution, while others need a specified number of years as a cardholder with an issuer.

Additionally, there are very high spending requirements. A card issuer often extends invitations to become a black cardholder exclusively to its most loyal clients who spend six figures or more annually.

According to the most recent Census Household Income Report, the median annual household income in the United States is $61,937, making a six-figure minimum spending demand unattainable.

While the ordinary customer would likely never use a black card, there are now several inexpensive credit cards that give welcome bonuses with as little as $500 in spending criteria.

The majority of high-net-worth banking customers will not know if they qualify for a black credit card until they are invited to apply.

The elusiveness of these credit cards is part of their allure, and as a result, little is known about the benefits experienced by black card users. However, we will attempt to explain why they remain such a symbol of luxury and why they continue to be so tempting to the wealthy and famous.

What cards compare to a black card?

Since Amex introduced the inaugural black card 21 years ago, card issuers are gradually giving more premium amenities at more affordable prices to a broader number of their clients.

The various travel incentives offered by elite rewards cards are their most alluring feature.

What is the Black Visa Card?

If you desire a premium travel card that is not invitation-only, the $550 annual fee Chase Sapphire Reserve® offers a great deal of value. When cardholders maximize Chase’s welcome bonus, $300 travel credit, and hefty rewards program, it is quite conceivable for the annual cost to be totally justified.

The Sapphire Reserve allows you to earn 10X points on Lyft rides through March 31, 2025; 3X points on travel worldwide (once you’ve earned your annual travel credit); 5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after spending the first $300 annually on travel purchases. 3X points on dining at restaurants across the world and 1 point every $1 spent on all other purchases.

Others may choose the American Express® Gold Card, which offers a current welcome bonus of 60,000 Membership Rewards® points after spending $4,000 in the first six months of card membership on eligible purchases. Conditions apply.

Best black credit cards

Interestingly, black cards are not always black in hue. In addition, many have many names, such as the black credit card from American Express, also known as the Centurion Card from American Express.

If your spending is high enough and you desire access to special benefits, keep an eye out for an invitation to these top black cards and everything they have to offer.

Centurion Card from American Express

The American Express Centurion Card is invitation-only (although you can apply to be considered for an invitation) and has a high annual fee. Not only are you required to pay a $10,000 initial charge to obtain this card, but also a $5,000 yearly fee. Cardholder perks include Delta status, access to a variety of airport lounges, including Priority Pass and American Express Centurion Lounges, and a credit for airline fees. Additionally, you will obtain instant elite status with a variety of hotel and rental car programs, as well as access to an exclusive 24/7 concierge service.

Some sources indicate that you would get 1X Membership Rewards points on any purchases over $5,000, while others indicate that you will earn 1.5X points. You may also receive a generous welcome bonus, however reports differ on the number of points you may earn and the minimum spending requirement.

Mastercard Black Card

Mastercard® Black CardTM is a black-coated metal credit card produced by Luxury Card that emanates luxury. The $495 yearly charge (plus $195 for each Authorized User) makes this card far more reasonable, and the online application makes obtaining it quite simple.

If you decide to sign up for this black card, you will receive 1X points. However, your points are worth 2 percent when redeemed for flight with any airline, and you receive 1.5 percent back when you redeem your awards for cash back.

This sets the Mastercard Black Card apart from other premium travel credit cards that permit you to transfer your points to certain airline and hotel partners. However, the Mastercard Black allows you to redeem your points with any airline, making the earned benefits just as versatile.

J.P. Morgan Reserve Card

The yearly charge for the J.P. Morgan Reserve Card (previously known as the Chase Palladium Card) is $595. To qualify, you must be a private banking customer of J.P. Morgan, and it is thought, though unverified, that you must have $10 million in assets managed by J.P. Morgan. This card is only available via invitation.

Reportedly, the J.P. Morgan Palladium Card includes United Club and Priority Pass Select airport lounge memberships. In addition to the $300 yearly credit, you earn 3X points on travel, 3X points on eating, and 1X points on all other purchases, as well as a fee credit for Global Entry. Some publications additionally indicate yearly bonus benefits for meeting an annual minimum expenditure threshold.

In addition, Chase has recently added additional features to the J.P. Morgan Reserve Card. For example, cardholders may now earn 5X points on flights booked through Chase Ultimate Rewards and 10X points on hotels and auto rentals. In addition, cardholders get 10 points each dollar spent on eating selections through Chase Dining.

How to get a black credit card

While it is only normal to desire an exclusive credit card, card issuers are notoriously secretive about how to acquire an invitation to a black credit card. Unfortunately, invitations are often the only method to obtain a black credit card. With the exception of the Mastercard Black Card from Luxury Card, it is not possible to simply apply for a black card online.

However, there are actions you may take to obtain a black card membership invitation. For instance, according to previous media reports, you can receive an invitation to apply for an American Express black credit card after spending an average of $500,000 yearly on another American Express credit card.

What is the Black Visa Card?

Other black credit cards, including those issued by Chase, may only be accessible to select banking customers with a substantial deposit or investment balance. No one, however, is certain of the internal monetary amount necessary by card issuers for an invitation to black card status.

Should you accept the invitation to get your own black credit card?

If you are contemplating a black credit card, we would advise against it. Unless possessing a rare credit card is your primary objective, you’re generally better suited with a less exclusive premium travel credit card.

For instance, rewards credit cards such as the Chase Sapphire Reserve® and The Platinum Card® from American Express typically provide a substantial return on investment. Not only may you earn great awards and a substantial welcome bonus, but you also gain access to benefits such as yearly travel credits and airport lounge access, both of which can be worth hundreds of dollars.

With the Chase Sapphire Reserve, for example, you earn 60,000 extra points if you spend $4,000 on purchases in the first 3 months after account setup. That’s $900 toward travel when you redeem with Chase Ultimate Rewards®.

You also get 3X points on travel and dining and 1X points on other purchases along with exclusive advantages like airport lounge access, a $300 annual travel credit, a credit for Global Entry or TSA PreCheck. You also get a Lyft Pink membership and 10X points on Lyft transactions (until March 2025). (through March 2025).

Further, this card also comes with 10X points on car rentals and hotels booked via Chase, 10X total points on dining transactions through Chase Dining and 5X points on flights booked through Chase Ultimate Rewards.

A $550 annual fee applies, but you can get considerably more value out of this card the first year and each subsequent year. The Chase Sapphire Reserve may not be invite-only, but it’s much better value for almost anyone.

What kinds of perks do black credit cards offer?

The perks provided to black credit cardholders vary greatly according on the needs of each individual cardholder. However, credit card issuers give a variety of bonuses practically as a matter of course to individuals deemed “valuable” enough to hold the most exclusive credit cards.

Personal assistance/concierge service: The majority of exclusive credit cards provide some form of personal concierge service, frequently allowing cardholders to contact an assistant around-the-clock. They might request assistance with everything from personal finances to vacation and event planning.

Specially designed reward programs: Even the most affluent credit card holders like collecting reward points. However, while the most of us are satisfied with reduced flights or complimentary coffee, black card members typically seek personalized incentives and experiences catered to their individual interests.

Large credit limits and advantageous payback terms: Black credit cards often provide longer interest-free periods for making payments. They frequently have high credit limits, while others have no borrowing restrictions.

Access to invitation-only events: Many black credit card users will be given tickets to sold-out shows or receive invites to important worldwide events, such as concerts and sporting events, that are tough for the average person to attend.

The majority of black credit card customers have access to airport lounges globally as well as complete global travel insurance.

Are black credit cards free?

No. Black credit cards are nearly always accompanied with a substantial annual charge of at least a few hundred pounds, and frequently much more. However, some issuers waive the charge for minimum balances or spending amounts.

How much are the fees for a black card?

The costs associated with these restricted cards vary considerably. In the case of the Dubai First Royale Mastercard, the yearly charge is not disclosed publicly by the card issuer.

According to the cardholder agreements for the Amex Centurion Black Card, the yearly charge is $5,000 and there is a one-time initiation fee of $10,000. The yearly cost for theChase J.P. Morgan Reserve® is $595, according to sources such as Value Penguin.

Are black credit cards actually black?

In order to match expectations, they are often black or dark in hue. In addition, they are occasionally manufactured from metal, as opposed to plastic, to give them a more premium feel. Some are implausibly encrusted with expensive stones and metals to increase the luxury of ownership.

What does it mean to have a black credit card?

In the United Kingdom, the most exclusive black credit cards are a mark of riches, a lavish lifestyle, and, in some circumstances, celebrity. Some cards are designated for members of the Royal Family and those regarded as national treasures.

The fact that these celebrities hold a bank’s black card is excellent advertising for that bank, and it is advantageous to maintain the club relatively restricted in order to increase the card’s allure. Others will only be made available to individuals seen to be at the highest pinnacle of the corporate world, and their perks and bonuses will reflect this.

Personal finance is the area of expertise of content creator Caroline Ramsey. With more than a decade of experience in editorial teams, she provides highly customized material on a variety of subjects.

What is the Black Visa Card?


Black credit cards are the industry’s foundational product. Black credit cards have a reputation for exclusivity due to the rigorous admission requirements and fees.

While it may be difficult to obtain card-specific information, such as invites, you may be better off with a premium rewards credit card.


Although Amex doesn’t publish requirements for the card—or its perks, for that matter—it typically extends black card invitations only to high earners who have spent and paid off between $350,000 and $500,000 across all of their American Express accounts in a calendar year.
What Is the Spending Limit on the American Express Black Card? There is no spending limit with the Amex Black Card. However, balances must be paid off in full every month.
The Mastercard® Black Card™ is best for high-earning consumers with 720 – 850 credit who are looking for a luxury credit card. We recommend this card for those who want a credit card that affords them bragging rights, as this heavy metal black card can do just that.
With its strict application requirements and most VIP of perks, the Black Card is one of the most elusive cards on the market. In January 2016, the Visa Black Card was rebranded to the Luxury Card™ Mastercard® Black Card™ with new and enhanced features.
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