Feb 13 2020

Credit card requirements & Video

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Credit card requirements


Visa® Black Card Requirements (And 5 Other High-Limit Cards)

credit card advice

Long gone are the days when having a gold card was the sign of elite credit-worthiness. Nowadays, black is the new gold, and most major netowrks have their own version, the most well-known of which may be Amex’s Centurion card, with the Visa Black Card a close rival.

With its strict application requirements and most VIP of perks, the Black Card is one of the most elusive cards on the market. Then, in January 2016, the Visa Black Card was rebranded to the Mastercard® Black Card “Luxury Card” with new and enhanced features. We’ll take a look at these features and what it takes to get the new Mastercard® Black Card Luxury Card, as well as show you five elite alternatives without the hefty annual fee.

About the Visa® Black Card

Aside from its visual appeal, the card offers perks like 24/7 concierge service and random luxury gifts delivered to your doorstep — needless to say, it’s not the easiest card to get your hands on.

Rebranded as the Mastercard® Black Card from Luxury Card

Several years ago, the Visa Black Card got a new network, The Luxury Card rebranded it as the Masetercard® Black Card. It offers a patented stainless steel front and carbon back for “durability and distinction.”

Cardholders earn rewards points on every purchase, at a rate of one point per dollar spent. Redemption values vary based on what you redeem them for, with airfar providing 2% value and cash back providing 1.5% value. You’ll also earn a $100 annual airline credit, have access to the Luxury Card Concierge, and enjoy Luxury Card Travel perks.

Unlike other “Black Cards” on the market, the Mastercard® Black Card can be applied for online via the Luxury Card website. But while there’s no published minimums for approval, it’s safe to assume you’ll need at least good credit and a fairly healthy income.

Receive an Initial Credit Limit of $20,000 to $25,000

Because cardholders generally have a much higher income (or at least the ability to pay back their cards), MasterCard Black customers are usually given a very high initial credit limit.

Spending allowances average between $20,000 – $25,000, with increases given over time for responsible account usage.

Like any other card, you can improve the likelihood of getting an increase beyond your initial amount by keeping an on-time payment history, paying a large average monthly payment amount, maintaining your credit bureau information and credit score, and using your card regularly for both everyday and large purchases.

Equipped with a Hefty $495 Annual Fee

Along with the status that comes with this card, however, there’s also a hefty $495 annual fee. It would be expected that the perks of owning a Black Card would be many, and plush. Only personal preference can determine if the fee is worth it, but here are some of the most promising benefits:

  • cash-back bonuses, usually 1-2% on purchases
  • worldwide acceptance
  • 24-hour concierge service for help with travel, event planning, and shopping
  • periodic luxury gifts, some as pens and magazines
  • enrollment in the VIP airport lounge program
  • travel insurance, warranty extensions, and purchase protections

Cardholders will also receive 15 months 0% APR financing on all purchases and balance transfers when the transfer is completed within 45 days of opening the account.

Approval Requirements

Barclays doesn’t openly publicize its requirements for obtaining a Black Card, but it’s safe to assume based on what we do know about the card that the following requirements are a must.

1. Excellent FICO Score (720+)

Naturally, the MasterCard Black Card requires an excellent credit score, usually 720 or higher on the FICO index. When being trusted with a high spending limit, you have to have exemplified responsible borrowing behavior in the past, which a strong FICO Score will reflect.

2. Big Spending (and Paying) on Your Cards

While the card doesn’t require some of the spending thresholds as other cards (like the AMEX Black Card), you can safely assume that you will need to be an avid user of credit and are very good at paying back thousands in purchases every month to even be considered.

3. High Income Necessary

Of course, to spend big, you have to earn big. To be able to charge and spend as needed to for this prestigious card, a solid job history, adequate proof of income, and a record of making on-time payments is a must. It probably also won’t hurt to be a Barclays’ customer.

5 Elite Credit Cards Without a $495 Annual Fee

As “elite” as the card may seem, the 1.5% cash back is a little underwhelming, while the $495 annual fee is a little overwhelming. If a higher cash-back bonus, lower annual fees, and more widely accepted perks are of interest to you, the following cards may be more appealing.

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