Quote:
I got home today and checked my mail.
I had an invitation from Barclay's Bank to get a Visa Black card. Normally I just shred the entire envelope. This thing was thick and quality paper. I had to open it up just to check it out. The card would be on a piece of stainless steel.
I was thinking it might be cool. Then I looked at the fee schedule. The APR can be as high as 27.24%!
The kicker is they want a meager $495 per year for the annual fee. 
I don't think so. Off to the shredder.
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I have two black cards...
my IHG rewards and Marriott Rewards card are both black, and the Marriott card is even metal! Makes a cool sound when you drop it on the counter.
. I don't pay anywhere near that much for both of them combined, and I get tons of free hotel nights out of the deal.
. I've read lots about the visa black card, and everybody says it's a crock, check out the chase Sapphire card, also a metal card, better perks, and less yearly fee.