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Credit Card Details:

Quick Summary:
This Visa rewards card with flexible options is issued by Barclays Bank, Delaware. This card is intended for consumers, or "personal use" with a nearly perfect credit history. APR's may vary among applicants, however the lowest standard APR is 13.24%.

APR's:
There is an introductory APR as low as 0.00% for 6 billing cycles. However, this intro rate only applies towards balance transfers. Be cautious that some card issuers may charge higher rates and fees for cash advances.

The lowest available APR is variable, meaning that the rate can change as U.S. prime rates fluctuate. You can find out how to compute your APR in the programs terms and conditions. For example, you may be instructed to add 9.99% to the U.S. prime rate.

Rewards:
This is a flexible options rewards card. You should be able to choose different reward types, such as travel, points, or other options. This type of card adjusts to the changing needs of the cardholder.

Credit Record Needed:
Based on the FICO score recommendation, applicants should have a nearly perfect or flawless credit record. A FICO score of at least 808 is recommended for a higher chance of approval for the Black Card®, but is not required. There are a number of other factors that this issuer may also consider when making decisions for approval.

Other Basics:
The grace period listed for the Black Card® is at least 20 days. So interest charges will not be applied during those days.

This card is intended for consumers, or "personal use".

This card contains the brand of Visa, where acceptance is global. Most businesses that accept credit cards will accept Visa as a form of payment.

Approval Rate:
If you believe that you fall into the credit record of "Excellent Credit" then you will have a better chance for approval. Furthermore, if your FICO score is close to or higher than 808, then your chance of approval may be greater than other applicants.

Approval Time:
Approval time for this offer is not listed. However, you could normally expect the approval process to be completed between 1 to 2 weeks, and an additional 1 to 2 weeks for the card to be delivered after you are approved.

Offer Details:

For those who demand only the best of what life has to offer, the exclusive Visa Black Card is for you. The Black Card is not just another piece of plastic. Made with carbon graphite, it is the ultimate buying tool.

The Black Card is not for everyone. In fact, it is available to only 1% of U.S. Residents to ensure the highest caliber of personal service is provided to every Cardmember.

Become a Black Card member today and enjoy our 24-hour world class Concierge Service ready to assist you with all your business, travel and leisure needs.

Limited Membership

24-Hour Concierge Service

Exclusive Rewards Program

Luxury Gifts

Patent Pending Carbon Graphite

Annual Fee $495

Card Categories:

• Low Interest Credit Cards
• Balance Transfer Credit Cards
• Excellent Credit
• Visa® Credit Cards

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