Black Cards

Black Cards–It does make a difference

For only $41.00 a month the Visa black card is well worth the price. Why? It gives you much of the same benefits as the Centurion Black card with a lot less fees. For people who want some of the best benefits that are available today when using a credit card then one of these black cards calls your name. Some people enjoy dragging their own luggage, shopping at crowded malls, and hunting and pecking on the internet to get information. If you have one of these black cards this is not the case. Concierge service is available to all members 24/7, from the needs of traveling to anything else that you can think of. With that service, we think it makes these black cards valuable in the eyes of any consumers that want the taste of the good life. Check out our Visa Black card and see the advantages that these card can bestow on you.

Visa® Black Card

Limited membership

24-hour concierge service at your disposal

Unlimited VIP airport lounge visits

Exclusive rewards program; 1% cash back or airfare on any airline - no blackouts or restrictions

Luxury gifts

Accepted globally; zero liability protection against unauthorized purchases

Made with carbon, not just another piece of plastic

Intro APR	Regular APR	Annual Fee	Credit Needed
N/A*	14.99% (Variable)*	$495.00*	Excellent Credit*

Discover® More® Card

0% intro APR on purchases for 6 months, then the variable standard purchase APR of 10.99% - 20.99%*

0% intro APR on balance transfers for 18 months, then the variable standard purchase APR of 10.99% - 20.99%*

5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*

Discover is ranked #1 in customer loyalty -16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index report)

24/7 access to a U.S.-based Account Manager within 60 seconds

$0 Fraud Liability plus automatic mobile and email fraud alert options

Great rewards with no annual fee, no rewards redemption fee, and no additional card fee

*Click apply to view rates, fees, rewards, limitations and other important information

Intro APR	Regular APR	Annual Fee	Credit Needed
0.00%* for 6 months on purchases*	10.99-20.99% (Variable)*	$0.00*	Excellent Credit*

Iberiabank Visa® Gold Card

No annual membership fee

Low variable rate of 9.25%, 12.25%, or 15.25% based on the creditworthiness. This APR will vary with the market based on the Prime Rate.

Introductory APR on Balance Transfers of 1.99% for your first 6 billing cycles. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness.

Earn 1% in cash back credit on all qualifying purchases

No limit on cash back; no expiration date on eligibility for accounts in good standing

Travel accident coverage up to $500,000

Online access to credit card account information

Intro APR	Regular APR	Annual Fee	Credit Needed
N/A*	9.25-15.25% (Variable)*	$0.00*	Excellent Credit*

Iberiabank Visa® Platinum Card

No annual membership fee

Low variable rate of 9.25%, 12.25%, or 15.25% based on the creditworthiness. This APR will vary with the market based on the Prime Rate.

Introductory APR on balance transfers of 1.99% for your first 6 billing cycles. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness.

Earn 1 bonus point for every $1 in qualifying net retail purchases, can redeem for merchandise with as little as 700 points.

Turn your points into hotel, gift, or experience rewards

Product Enhancements include: Auto Rental Collision Damage Waiver, Roadside Dispatch and Travel Emergency Services.

Online access to credit card account information

Intro APR	Regular APR	Annual Fee	Credit Needed
N/A*	9.25-15.25% (Variable)*	$0.00*	Excellent Credit*

Visa® Black Card

Limited membership

24-hour concierge service at your disposal

Unlimited VIP airport lounge visits

Exclusive rewards program; 1% cash back or airfare on any airline - no blackouts or restrictions

Luxury gifts

Accepted globally; zero liability protection against unauthorized purchases

Made with carbon, not just another piece of plastic

Intro APR	Regular APR	Annual Fee	Credit Needed
N/A*	14.99% (Variable)*	$495.00*	Excellent Credit*

Escape by Discover® Card

Earn up to $250 in travel rewards--1,000 Bonus miles every month you make a purchase for the first 25 months

Double Miles on every $1 you spend

0% intro APR on purchases and balance transfers for 6 months, then the variable standard purchase APR of 10.99% - 16.99%*

No restrictions on travel--fly on any airline, book any hotel or car, with no blackout dates

Flexible redemption options like travel credits, merchandise, gift cards or cash

Travel Insurance benefits, including primary car rental, lost or damaged luggage, travel delay, and trip cancellation when you book with your Escape by Discover card

Discover is ranked #1 in customer loyalty--16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index report)

*Click apply to view rates, fees, rewards, limitations and other important information

Intro APR	Regular APR	Annual Fee	Credit Needed
0.00%* for 6 months on purchases*	10.99-16.99% (Variable)*	$60.00*	Excellent Credit*

Black Cards–a bit confusing!

Don’t confuse the black cards! The Centurion card is invitation only, however check out these fees. It will cost you $7500.00 every year, crazy huh? If you love spending this kind of money and love the clout of this card then by all means get one. However, with Visa Black the fee is only $495.00 annually. Quite a big difference in savings. This is why you need to beware of the differences and appreciate the clout you can get with the Visa Black cards instead. Maybe it doesn’t make a big difference to the very rich, but saving money for all of us makes a big difference. The Visa Black card is still very impressive with all the qualities that makes these black cards from Visa a valuable tool to impress. Over 3 million Americans enjoy one of these Black cards from Visa. With 1% of the population this equals about 3 million nationwide. Don’t let the statistics scare you, so if you make the money then you are able to apply for one of these cards from Barclay’s banks. However, American Express Platinum is another valuable tool when needing a great card too. This it seems to be a stepping stone to the Black Centurion card. Truth be told, a Visa Black cards application is easy to apply online, and rumors circulating around that people from every walk of life, including students can qualify for the Visa Black cards too!

What are the qualities of the Black cards–Visa Black card

With first class lounge airport access to over 500, this makes it a great benefit. However, if you check out the American Express Platinum there are unlimited benefits, compared to the Visa Black that only allows 4 visits. Compare the difference then, if you are a big traveler then maybe you would loke the Amex card instead. NOTE: IF YOU LOVE TO BE TREATED TO LUXURY GIFTS ONCE IN AWHILE THEN VISA BLACK IS THE WAY TO GO! Comparing the American Exxpress and Visa options it looks to be about the same. They both offer the 24/7 concierge service, personal shopper that is accessible, medical, legal, financial services, and accident insurances that is $250,000. Purchase protection is also available to both the Amex and Visa cards. Earning 1% on any purchase you make,plus earning one point for every dollar spent for travel is the norm. By being able to have choices this is what it is all about. If you need the prestige of the Black cards then the Visa Black is yours for the taking, however if you would rather stick to the American Express Platinum then choose this one. Black cards might be a little overrated, but if you love the clout then by all means apply for it now.

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