The Visa Signature card is Visa’s highest offering. It’s a lot more complicated to figure out which program as the best, when compared to American Express for both Visa and MasterCard, because each handles it’s details through the bank which issues the card. At a high level the card includes standard travel benefits (packages, discounts, upgrades), concierge (travel, dining reservations, vacation planning, help with general research and recommendations), access to special tickets and events (entertainment, sporting, fine dining/culinary), special shopping discounts and privileges, as well as dining reservations and restaurant reviews from Zagat.
Visa Black Card is Visas highest offering…
No it’s not.
Visa Black is a Platinum Plus card, which is below Signature.
It doesn’t give you any VIP benefits from Visa at all.
Any “exclusive” benefits that are advertised are provided by the issuing bank (Barclays Delaware) which is the one charging you the $495 fee. Not Visa themselves.
Visa will not let a “Visa Black” cardholder use their concierge, nor do they qualify for hotel and car rental benefits that Signature members receive.
It’s simply a private business run by a private company, for which the purchase fee is $495.