anybody have Visa black?

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
pewpew
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Postby pewpew » Mon Apr 15, 2013 11:33 pm

the point conversion rate for the AmEx platinum card is stupid. i went to Miami last September and stayed at The Perry hotel, my employer paid for my stay with his AmEx Busines Platinum. the cost for my room was $670 for 2 nights and AmEx took 100k points to book it! total rip off.

plus amex ended partnerships with several airlines, which forces you to transfer points at an insane penalty. they also took their bonus point mall offline, so there is no way to earn bonus points anymore. you only get 1 point/$ now.

i would personally just pick up a Chase Sapphire Preferred or CapitalOne Venture (which is what i did) and you will be better off.
Junk I use:
AmEx Platinum for Mercedes Benz from, 75k spending ability
AmEx Everyday 8.99% + Prime, 44k CL
Chase Ink Bold, 35k
Chase Freedom (Converted from WaMu VISA) from '07, 5.99% + Prime, 30k CL

Junk I don't use
BoA Susan G. Komen Cash Rewards (converted from World Points MC) from '07, 7.9% Fixed APR, 30k CL
Discover IT (Converted from Discover More) from '08, 5.74% + Prime, 20k CL
AmEx Clear from '07, 4.99% + Prime, 10k CL
All 3 credit scores are over 800.


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PlatinumAMEX94
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Postby PlatinumAMEX94 » Wed Apr 17, 2013 8:59 am

Why do you care how your employer spends their points? It's not your money. As far as you know they could have millions in
MR points.
American Express Platinum Personal, Member since 94
Chase United Explorer - Visa Signature
Chase Sapphire Preferred
American Express Business Simply Cash

American Express Costco Business, American Express Platinum Business
Bank of America 10k, Capital One Venture World MasterCard 7.5k, Fidelity Visa Signature 10k
Citibank ThankYou Premier World MasterCard - Card Member since 91, 25k
Discover 10k Member since 91, Wells Fargo Personal & Business Visa Signature
USAA World MasterCard 12k, Chase Slate Exclusives Visa 5k

Lifelock member, USAA credit monitoring, Security Freezes E/E/TU, 800+

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Z06Biker
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Postby Z06Biker » Thu Apr 18, 2013 3:54 pm

The Visa Black is a joke. It has less perks than competitors in the $400-500 range (Amex Platinum, Citi Prestige, United MileagePlus Club) and is issued through Barclaycard Delaware. It's for posers, in my humble opinion.
AMEX: PRG Gold, Business Simply Cash, Business Costco, BCE.
Chase: United MileagePlus Club, Sapphire Preferred, Amazon Rewards
Barclaycard Arrival World Mastercard
HSBC Cash or Fly World Mastercard
USAA World Mastercard, USAA Platinum Mastercard
Wells Fargo Business Platinum
USC Credit Union Mastercard

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FastSRT8
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Postby FastSRT8 » Sat Apr 20, 2013 10:25 am

thom02099 wrote:LOL...Centurion would be the Emporer of all cards....!


The cent is and will always be the only REAL black card. Everything else is a cheap replica. Sorry.
Carpe diem quam minimum credula postero!

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Z06Biker
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Postby Z06Biker » Sun Apr 21, 2013 1:12 pm

What about that mystical diamond-encrusted card that supposedly only Saudi oil barrons have?

I think they get it out of a magic lamp, which makes it even more exclusive than the centurion.
AMEX: PRG Gold, Business Simply Cash, Business Costco, BCE.
Chase: United MileagePlus Club, Sapphire Preferred, Amazon Rewards
Barclaycard Arrival World Mastercard
HSBC Cash or Fly World Mastercard
USAA World Mastercard, USAA Platinum Mastercard
Wells Fargo Business Platinum
USC Credit Union Mastercard

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FastSRT8
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Postby FastSRT8 » Sun Apr 21, 2013 9:19 pm

Z06Biker wrote:What about that mystical diamond-encrusted card that supposedly only Saudi oil barrons have?

I think they get it out of a magic lamp, which makes it even more exclusive than the centurion.


LOL you got me there. That is true.

The problem with the diamond encrusted card is it's only available in Saudi Arabia. Second more important hurdle is I don't have that much assets or money I'm sure to qualify for that!!!
Carpe diem quam minimum credula postero!

UPS Gregg
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Postby UPS Gregg » Tue Apr 30, 2013 10:25 pm

Z06Biker wrote:The Visa Black is a joke. It has less perks than competitors in the $400-500 range (Amex Platinum, Citi Prestige, United MileagePlus Club) and is issued through Barclaycard Delaware. It's for posers, in my humble opinion.


With all of the people I've seen flashing Amex Platinum cards lately (from a wide variety tax brackets) I'd have to say its for posers too. Or has Amex just decided to downgrade the "appeal" of the card ? I thought it was supposed to be all "prestigious" and what not?
Current FICO: 805 (Equifax)

Current Cards:

*USAA Platinum MasterCard CL-$1,000.00
*USAA Signature Visa Card CL-$15,000.00
*USAA Rewards Amex CL-$15,000.00
*HSBC Best Buy Card CL-$3,300.00
*Amex Macy's CL-$8,000.00
*JPMorgan Chase Marriott Rewards Premier Visa Signature CL-$20,000.00

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djrez4
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Postby djrez4 » Tue Apr 30, 2013 11:11 pm

UPS Gregg wrote:With all of the people I've seen flashing Amex Platinum cards lately (from a wide variety tax brackets) I'd have to say its for posers too. Or has Amex just decided to downgrade the "appeal" of the card ? I thought it was supposed to be all "prestigious" and what not?


It's for people who feel like spending $450 to impress a bunch of service-industry strangers.

Or, it's for people like me who get it for the 50,000 bonus points, the $400 in airline credits, Global Entry reimbursement, lounge access, etc. and then drop it like a burrito deuce when the annual fee comes back around.
[RIGHT][size=100]- Sapphire Preferred - Freedom - Ink - Platinum - Everyday Preferred -[/size]
[/RIGHT]

Scoach
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Postby Scoach » Tue Apr 30, 2013 11:24 pm

djrez4 wrote:It's for people who feel like spending $450 to impress a bunch of service-industry strangers.

Or, it's for people like me who get it for the 50,000 bonus points, the $400 in airline credits, Global Entry reimbursement, lounge access, etc. and then drop it like a burrito deuce when the annual fee comes back around.


Or it's for those of us who wanted the bonus points, lounge access, FHR program, concierge, excellent customer service reps, hotel program perks, rental car perks, travel internationally, want the airline reimbursement, and who don't really care about the $450 AF.
AmEx - Platinum, Gold, Bluebird
Chase - CSP, Freedom
HSBC - Orchard Bank (1999)

Scoach
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Postby Scoach » Tue Apr 30, 2013 11:32 pm

UPS Gregg wrote:With all of the people I've seen flashing Amex Platinum cards lately (from a wide variety tax brackets) I'd have to say its for posers too. Or has Amex just decided to downgrade the "appeal" of the card ? I thought it was supposed to be all "prestigious" and what not?


It's a piece of plastic that allows people to spend their money. I am not entirely sure why anyone attaches "prestige" to any type of card, but people certainly seem to. I rarely even carry mine unless I am traveling as I got mine mostly for the travel perks.
AmEx - Platinum, Gold, Bluebird
Chase - CSP, Freedom
HSBC - Orchard Bank (1999)



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