The requirements for getting a Visa Black Card are having an income over $200,000, a credit score of 760 or higher and not having any consumer debt, according to Financial Samurai. The consumer must also be willing to pay nearly $500 a year for the card.
The Visa Black Card is made of stainless steel and provides a wide range of premium benefits, explains Black Card. It offers 24-hour concierge service to all card holders, VIP treatment in luxury hotels and resorts and a members-only Luxury magazine subscription. There are also unlimited airport lounge visits and luxury gifts from top brands.
The Black Card is accepted in more than 170 countries without a foreign transaction fee, notes Black Card. There is liability protection against unauthorized purchases and warranty manager service available. The card includes lost luggage reimbursement of checked or carry-on bags up to $3,000 per trip. The card carrier must have used the Black Card to pay for the airfare. Meals, transportation and lodging are also reimbursed up to $300 per plane ticket if the plane is delayed. The Visa Black Card includes roadside assistance coverage and car rental reimbursement. This covers personal or rental cars that break down.