- Centurion Member
- Posts: 3959
- Joined: Thu May 08, 2014 7:42 pm
- Location: United States
My experience with Barclaycard (the issuer) has been good. As I look over the Black Card benefits again, I can see it having value for some people.
It is hard for consumers - or at least light travelers like myself - to determine the relative value of many travel cards. Diner's Club will get you into some airport lounges, but certainly not all. Or the lounge you want could be on the wrong side of security or in an inconvenient terminal. Amex Platinum will get you into certain lounges and will get you upgrades at certain hotels, some of the time. It's the same thing with the Black Card. As much as credit card companies would like us to imagine otherwise, no key opens every door.
A lot of those hotels and airlines have their own credit card loyalty programs, or they have an exclusive agreement with Chase or another issuer. Issuers like to make their rivals' cards ineffective some of the time so they can get consumers to get multiple travel cards.
A lot of the general dislike for the Black Card does stem from the fact that it so blatantly tries (and fails) to 'pass' for a Centurion. It doesn't have the kind of airfare and travel security credits that Amex Platinum has, so it's hard to say it's a good value. The Black Card could - arguably - rival a Diner's Club card in value if someone can make moderate use of the Black Card hotel upgrades.
I don't think either of the last two are likely to be good values except for a small number of people who travel a lot.
Keeping indefinitely: IHG, SchwabPlat, CSP, Discover, Freedom, ED, BCE, Hyatt
May close or PC: Prestige, Arrival, BrooksBros
AA Platinum converting into Costco
Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech
Letting new accounts cool off since May