Black Credit Cards In 2015

Posted by CreditCardGuru

There was a time when Gold credit cards were considered to be elite. Soon after that, it was platinum. Now, both gold and platinum cards are widely accessible and there is not much prestige attached to those colors anymore. Currently, the most prestigious, elite, and exclusive credit cards available on the market are usually black. But that doesn’t mean every black-colored card is equally prestigious — or even prestigious at all. Their benefits vary, and sometimes, a color is just a color.

Here’s a quick comparison of some of the best-known black cards in the industry. This list has been updated for 2015. The very last one on this list you might have a chance at actually qualifying for!

Merrill-lynch-octave-card largeMerrill Lynch Octave
This is an American Express-branded product (American Express is a CreditCardForum advertising partner) and was added to Merill Lynch’s line-up in early 2015. It’s invite-only, will cost you $950 a year and offers benefits designed for travelers, including an airline fee credit and airfare discounts. Points earned can be redeemed via Merrill Lynch’s rewards program for travel, gift cards, statement credits and more. By redeeming strategically for travel, you can get an impressive (up to 5 percent) return on your spending.

American Express Centurion Credit Card
You can get a Centurion card if you spend over $250,000 a year and it attracts a very high annual fee – a one-time initiation fee of $5,000, plus $2,500 annually. It has no preset credit limit. You also need to pay your outstanding balance every month. This is by far the most popular and sought-after black credit card out there, and when people say “The Black Card,” they’re probably talking about this one. American Express is a CreditCardForum advertising partner.

Merrill Lynch Accolades cardMerrill Accolades American Express Card
2015 update: This card is no longer available to new cardholders. Previously branded as the Bank of America Accolades, it was switched over to the Merrill Lynch label a few years back, after BofA acquired them during the recession. The card comes with a spending limit of up to $500,000 and has a relatively reasonable annual fee of $295 (which is waived if you keep at least $250k in your Merrill brokerage account). Even though this is a black card by color, the benefits and perks are more comparable to the American Express Platinum. Even though the Accolades has been out for several years, it has yet to gain much prestige or popularity.

Citigroup Chairman American Express Card
This card was discontinued in 2013 and converted to the Citi Prestige card. One of the latest black credit cards to hit the market, it offers premium services and privileges to Citi’s most affluent customers. Its benefits are comparable to the Accolades and like that card, it has been out for several years but it has failed to catch much popularity.

Natwest Black Credit Card
In a nutshell, this black credit card can be thought of as the UK-version of the previous two mentioned. In addition to the concierge, airport lounge access, etc., this one also comes with some additional insurance benefits such as “home emergency cover” which offers help ’round the clock with plumbing, heating/AC, locksmith services, and the like. When I first read that I assume it must just be a lame phone support line, but it says “includes labour, call-out charges and parts and materials up to £750 (including VAT) per call-out.” That’s pretty impressive! Too bad this card is only available in the United Kingdom. The annual fee is £250 (about $420).

Dubai First Royale MasterCardDubai First Royale MasterCard
Out of the bunch, this is definitely the most flashy… it has a diamond embedded in it! The First Dubai Bank website labels it as a “super premium” credit card that is by invitation only. It was launched in 2008, which was bad timing considering the financial meltdown was merely months after its debut. Only a few hundred are said to be in circulation and I know you’re dying to know the annual fee, right? Well there have been rumors of a modest fees (ranging from the hundreds to a couple thousand) but my sources have confirmed the fee is waived for qualified applicants. Benefits include a “personal relationship manager,” the “Royale” rewards program, and various VIP privileges.

Visa Black CardVisa Black Card
Within the black credit cards niche, this one has already gained quite a bit of press, mostly bad. It’s issued by Barclays and has a $495 annual fee. It offers airport lounge access, some complimentary gifts and the usual travel insurance benefits. The rewards program earns 1 point per dollar. All in all, this card is black in color, but it doesn’t even compare with the Platinum from American Express.

Marriott Rewards® Premier Credit Card
Chances are, you probably won’t qualify for most of the above cards – or even if you do qualify – their high annual fees just aren’t worth it for most lifestyles.

The solution? Try this one out! This card looks prestigious because it’s black in color. Yet unlike the cards above, this one is geared towards anyone with excellent credit. So, while you have to be qualified to get it, it’s not exclusive in an “invite-only” kind of way.

This card is made out of real metal. However unlike the Centurion, which costs $7,500 for the first year, this one has an Introductory Annual Fee of $0 the first year, then $85.

With that price tag, obviously it doesn’t have the same scope of benefits as the others on this list. However, from my experience, other people are still impressed by it. They see the black color and hear the cling of the metal on the countertop when you use it to pay and seem to assume you must be some VIP multimillionaire.

Qualifications? If you have excellent credit, my recommendation would be to try for this one.

And right now they’re running an enticing offer: 50,000 bonus points after spending $1,000 in first 3 months from account opening. Here is the link to to get this card offer

Many cardholders expect to get star treatment – and with some black cards – they get just that. There’s personal assistance from the concierge to help you with your business, personal, travel, gifting, and entertainment needs. Some of them offer VIP access at airport lounges across the globe. Cardmembers are wooed by luxury brands as they shop at “invite only” private events at stores like Saks, Neiman Marcus, and Tiffanys. Last but not least, there’s once-in-a lifetime opportunities to experience the unthinkable (like a zero gravity flight which was offered to AmEx Centurion cardmembers).

While some black credit cards are only available by invitation, others are only available through nomination by an existing card holder. But generally speaking, you will probably have to be a big spender to qualify. Most are set up as charge cards (which require the balance to be paid in full every cycle) but sometimes they offer financing capabilities, in case you want to stretch out payments on your new yacht or Gulfstream jet!

Last updated February 27, 2015

Editorial Disclosure: The editorial content on this page is not provided by any bank, credit card issuer, airline or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author's alone, not those of the bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

27 comments... read them below or add your own

  1. FrequetFlyer March 25, 2015 at 6:38PM

    Missed one:

    Citi / AAdvantage Executive World Elite MasterCard

  2. Dr. Felcher December 23, 2014 at 4:44PM

    My cards blacker than yours! Nah nah nah nah boo boo.
    Question are white cards for poor people? What about rainbow cards?

  3. John Pinder August 2, 2014 at 4:57PM

    I’m interested in becomeing eligible for a Visa Black Card. The Travel and Elite Vip benifits such as Rental Car discounts and resonable airline tickets is what interests me the most about the card besides the fact that its a Visa. I’m in need of a Visa card that has travel offers.

  4. Richard July 1, 2014 at 9:38AM

    PreAndre it is not the same at all …Try to get upgraded to first class by using your ordinary plastic credit card(s) . If you are using your Black Card , upgrades are a common occurrence .

    • zeshan November 4, 2014 at 1:47AM

      20001 ringet

  5. Richard March 21, 2014 at 7:20PM

    To some people receiving Black Cards is like making the statement “I am on the right track ” . My hard work and diligence has paid off. I feel that way every time I use my ” Black Cards” , but I have not forgotten where
    I came started … At the bottom .

  6. Al Schrader November 15, 2013 at 10:12AM

    The metal cards trigger the metal detectors and you can’t use the Dubai card to scrape sand off your Ferrari windshield because the diamond, etc. scratches the glass. If you move to the paradise where I live, you don’t need a gas card.

  7. Derek Jones October 27, 2013 at 11:52AM

    If ur that rich u should be recognizable by those in the know which further means u should not need a card for anything. Ur signature should speak volumes for ya

  8. Adrian September 24, 2013 at 7:39PM

    I have 2 black credit cards. It’s only worth it if like to buy and do stuff because of the extra benefits. You really do come out on top in the end but if you don’t spend the money the card is OVERRATED.

  9. barry soteoro September 2, 2013 at 4:19PM

    LOL, its so funny to read all of your post’s. Youre all so proud to be rich, just wait til the rug is pulled out from under you, oh yes, it gonna happen and within the next 2 years from this post date. Have fun trying to survive without your fiot money.

    • chuck December 6, 2013 at 7:52PM

      Hey Barry ……with that philosophy, have you ever thought of running for office…why, I’d bet you could even be President of the Younited States someday. Then, you could push to get all those undeserved, rich phuquers’ money. Everbody would be equal then…..and this country would be right on track………….incidently when’s the last time you talked with George (Soros)?


    • Mike April 26, 2014 at 7:49AM

      Before you talk shit, know your words first. Its Fiat Money not FIOT. Idiot.

  10. Tammi May 13, 2013 at 1:28PM

    I have the black Marriott card. I didn’t request it, it just came in the mail. I did notice that it was not plastic anymore. This answered all of my questions!

  11. Joe December 27, 2012 at 5:24PM

    Let me pounder over this it’s called a Black card

    • MG January 9, 2013 at 2:55PM


  12. Shauna-Belle November 2, 2012 at 1:44PM

    I can not imagine what it would feel like to have that much money. So many live from pay check to paycheck just to pay the bills.

  13. Al Shafei March 19, 2012 at 10:56PM

    I have Dubai Dimond card, very nice services! They said it was world no:1 card, now I read this blog. They give Bentley replacement if my Bentley has an accident or a Ferrari if my Ferrari has an accident, nice no? Also last month they sent me a Vertu phone 30% discount card. I now have shiny phone and card.

    • eva August 5, 2012 at 12:14PM

      you’re a lucky person ;)

    • Mary May 17, 2013 at 8:17PM

      Al, you must be very rich with a Bentley and Ferrari, can you buy me a Lamborghini with your Dubai Diamond card? I would love that.

  14. PreAndre December 6, 2011 at 8:59PM

    Really I don’t see why people get black credit cards its all the same!

  15. JR November 8, 2011 at 3:44AM

    I bet you see these a lot in Washington. I bet Congress has all black cards and flash them all over the place. It’s too bad Washington has the highest medium income of well over $85,000 a year. Something wrong with that. And probably the reason people are fed up with it all!

  16. Dave June 29, 2011 at 1:09PM


    Does it get heavier the more it is loaded?

  17. ivyleaguer June 14, 2011 at 9:31AM

    I just got a black card from my bank here in the mid east. As a westerner living in the Persian Gulf, they called to offer me it, bumped me up to the VIP lounge at the bank ( I no longer need to line up) and I have my own personal banking officer, free valet at most malls here and airport access. Not bad. But I am not wowed either.

  18. charles April 12, 2011 at 11:47AM

    That’s the first time I heard someone say that they’re canceling their centurion card membership. that’s good to know andy, for 2700 a year marquise concierge can do so much more…

  19. lauren March 6, 2011 at 4:02AM

    i now understand what nickelback mean in the song ”shakin’ hands”.
    thanks so much :p

  20. andy December 15, 2009 at 11:32PM

    I have a black centurian and I am cancelling it, this month. The fee has tripled to $2700 wheares the service has declined substantially. They really dont care for their customers.

    • DocRichie December 20, 2014 at 12:36AM

      LMAO. You have a card and you can’t spell it’s name??? Nice try.

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