Visa Black Card issued by Barclays Bank Delaware
	Overall Rating Benefit Rating	Apply online for this card or read on for a full review of all the features.

In-Depth Credit Card Review

This online card application is intended for residents of the United States only. For other country options, please refer to the right hand menu bar. The Visa Black Card, issued by Barclays Bank Delaware, is so unique it\'s not even made of plastic. It\'s made of a patent pending carbon card construction and offers its members exclusive rewards and benefits to match. Through the Exclusive Rewards Program, Cardmembers can opt to receive 1% cash back on purchases or one point for every dollar spent on purchases. Points redeemed towards travel are redeemed at a 50% higher rate, and can be used on any airline at anytime, with no blackouts or restrictions. Rewards expire five years after they are awarded. The star-quality benefits that come with this card include 24-hour concierge services, luxury gifts from top retailers, and access to hundreds of airport lounges with an exclusive Travel Lounge Priority Pass™. Additional benefits include travel accident insurance, a Collision Damage Waiver, $300 baggage delay insurance, $1,500 trip interruption/cancellation insurance, and more. To access all of the benefits that come with this card, Cardmembers will be required to pay a $495 annual fee (and $195 for each additional cardholder). Although the APR for purchases and balance transfers are above average, cardholders will enjoy a 0% introductory rate on balance transfers for the first six billing cycles. The APR for cash advances does have a minimum cap, which means that no matter how low the Prime Rate falls, the interest rate will not go below a predetermined rate. Card membership is limited to ensure the highest level of service, so those who love the benefits of exclusivity, will find The Visa Black Card a great match for their fine tastes. Most Attractive Feature: Many exclusive card benefits; rewards program. Least Attractive Feature: High annual fee requirement. Apply Now For Visa Black Card Note: The review of this Barclays Bank Delaware card was updated on 10/23/2009 and is believed to be accurate during the update, however, information posted may have since changed. We strongly suggest that you carefully read the Terms and Conditions statement that accompanies the credit card application

Key Card Information
Introductory Rates and Terms
Intro Rate:	0% APR for 6 Billing Cycles
Applied Towards:	Balance Transfers
Miscellaneous Rates and Terms
Credit Limits:	n/a (Maximum)
Purchases APR:	13.24%
Cash Advance APR:	19.99% There is a minimum APR on cash advances.
Finance Config:	Average Daily Balance (including new purchases)
Grace Period:	20 Days (Min.)
Fees Associated with this Card
Annual Fee:	$495
Add. Cardholders:	$195
Late Payment Fee:	$25 for balances less than $100; $29 for balances between $100-$999.99; $39 for balances greater than or equal to $1,000; for residents of Iowa $15.
Over-the-Limit Fee:	$25 for balances less than or equal to $1,000; $39 for balances greater than $1,000; for residents of Iowa $15.
Cash Advance Fee:	3%, $10 minimum, no maximum.
Balance Transfers:	3%, $5 minimum ($50 maximum during the introductory period).

The Rewards Program Highlights
Optional Reward:	No
Optional Reward Annual Fee:	$0
Rebate Minimum:	1%
Rebate Maximum:	1%
	Cardmembers can opt to receive 1% cash back on purchases or one point for every dollar spent on purchases.
Expiration:	5 Years
Yearly Limit:	n/a

Additional Highlights of Interest

Special Card Benefits and Features Travel Lounge Priority Pass™ $250,000 worldwide travel insurance. $300 baggage delay insurance. Auto rental collision damage waiver. $1,500 trip interruption/cancellation insurance. Purchase security. Warranty manager service. See website for additional benefits. Important Notes Regarding This Offer The minimum APR for cash advances is 19.99%. See website for complete terms and conditions of card usage and application disclosure.