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.

It’s “exclusively” offered to 1% of the population – meaning 3,000,000 people. 3,000,000 imbeciles paying $495 = $1,485,000,000 in annual fee income to Barclays.

One easy way to tell this scam, if you were dumb enough to have paid already, is to call the Visa Black Card’s concierge service. Anyone who had used a Signature or Centurion concierge service will note the difference immediately.