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The Visa Black Card is one of the few luxury credit cards that is only available to a select few in the United States. Luxury credit cards have been around for a while. Cards such as American Express Centurion come with perks that are not available to the rest. The Visa Black Card is Barclay's answer to AMEX Centurion. The card is currently available only to folks with impeccable credit history and possibly those who need the spending power of such a card.

Barclay's Black card is a carbon graphite card that is currently available to only 1% of the U.S. population. You will need excellent credit to qualify for this card. The program comes with these restrictions to make sure the few cardholders get the best service possible.

The Visa Black Card comes with a cash back program that allows you to earn back 1% on your purchases. You will also get an introductory balance transfer offer of 0% APR for your first 6 months.

The Visa Black Credit Card is like no other card you have owned before. Not only the card is not made of plastic like most other credit cards, it comes with a rewards program that is not offered to just anyone. You will get 24-Hour Concierge Service with your card. In addition, you also receive priority pass with your credit account. The Priority Pass is the world's largest independent airport VIP lounge program, making it possible for you to access more than 500 airport lounges in over 90 countries worldwide.

The Black credit card is not for everyone. This card is designed for folks who are looking for a luxury offer that is not available to the mass public. The spending power of this card is designed for the elite few who can actually take advantage of it. The card also comes with an annual fee, which makes it attractive to folks who don't mind paying to get a premium benefits program. Not everyone qualifies for this card, but if you do, you are going to enjoy the benefits that are bundled with the Barclay's Black card. Target Visa Credit Card