Visa Black Credit Card

The Black Card is suppose to be super exclusive. Usually credit card companies offer all kind of incentives to get you to accept their cards. The Visa Black is limited to only 1% of the US. This card has got to be something special. There's approximately 303,824,640 people living in the US. That means only 3,038,246 people will even be considered for this card. Have you ever been in line waiting to pay for an items and noticed the person's in front of you credit card? Some people have really neat cards. There is even some cards with photos of themselves on them. I can just imagine someone paying for their items with a Visa Black and the person behind them wondering where did they get that cool looking card and how can I get one! You the card holder knowing that the card is limited to a certain amount of people, can say with pride It's the new Visa Black Card but the cards are limited to a few people. Now that's exclusive!

24 Hour Concierge Service
This is a most impressive service. Card holders receive access to 24 hour concierge service, which means access to a personal assistant without paying a personal assistant's salary. Some of the services offered through their concierge service are Entertainment planning which includes Restaurant, sporting events and health club information, referrals and reservations. Shopping locations and Golf tee time are also available under the entertainment planning services. Then there's Business services, Travel information and assistance, gift arrangements and specialty services. You will never know the luxury of a concierge until actually using one, If you're a person who doesn't like the tedious task of planning every event then this is the thing for you.

>Airport Lounge Access
Visa Black Card members enjoy free membership to Priority Pass. Priority Pass is the world?s largest independent airport VIP lounge program. Have you ever been in the airport on a flight delay, cancellation, or just in the crowded departure halls and wanted a quiet place to relax. Well if you're a traveler you have certainly passed by one of these exclusive lounges. If you're like me then you've wondered how to gain entry into the lounges. With the Priority pass you will have access to over 500 airport VIP lounges . They offer their members complimentary refreshments, snacks, email, internet and conference space. Most importantly a relaxing ambiance for you and your guests.

Exclusive Rewards Programs
Visa has attached an exclusive rewards program to the card . Members are rewarded with 1 point for each dollar spent. So the more you use the card the greater the reward. The points can be redeemed for airline tickets, hotel stays, vacation packages, car rentals and gift cards. As though this isn't enough, also included in the rewards program card holders can earn unlimited cash back. For every $100 spent members can earn $1 or 1% back.

At this point your probably saying " Yes, all these special features attached to the black are great, but How much will it cost?". Well here's the good news. The Visa Black card has a 0% Apr for 6 months on balance transfers. Which means you can transfer your balance from cards with higher rates with no interest accrued for six months. There's an annual fee of $495, that I considered peanuts when comparing competitors annual fees on their luxury cards. Some credit providers are charging as much as $20,000 in annual fees. Included in your annual fees are all the extras we reviewed along with the benefits listed below.

$250,000 Worldwide Travel Insurance
That's right! The security of knowing you're covered for $250,000 should you get into an accident while traveling. Of course the entire travel fare must be charged from your Black Card.

$300 Baggage Delay Insurance
One thing I can't stand is when the airlines fail to send my baggage on the same plane I'm traveling on. Visa Black will reimburse you $100 a day for up to 3 day for expense you may incur purchasing essentials due to luggage delays.

$1,500 Trip Interruption/ Cancellation Insurance
If for any unforeseen reason your travel plans are canceled for interrupted, Your Black card will reimburse you up to $1,500 per person.

Auto Rental Collision Damage Waiver
Free of charge a collision damage waiver will be provided to card members. It will cover the cost of damage (sometimes up to the full cash value of the vehicle) for theft or a collision.

Lastly, just for being a member you are entitled to receive luxury gifts from some of the world's top brands. I can just see me now sporting a new Coach handbag. Phew! That covers all the things I uncovered during my research on the new Visa Black Credit Card. Well after all this research I haven't found one reason why I wouldn't recommend this card, to be honest this card is tops when comparing to other cards. It's like having several visa cards in one. To think that I can call someone and have them help me with travel plans or gift choices without having to pay extra for it is a bonus. The world is so fast pace these day, sometimes we can hardly find time to eat let alone make plans to travel or stop to make gift selections. Anyone toting this card around is not only a smart cookie but Visa considers them among an elite class of United States citizens. The only concerns one would have is if you will be selected to receive one of these awesome cards. I'm applying today, come on Visa choose me, you wont be sorry!