{"id":263309,"date":"2019-11-12T10:55:19","date_gmt":"2019-11-12T10:55:19","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=263309"},"modified":"2023-12-13T15:03:28","modified_gmt":"2023-12-13T15:03:28","slug":"black-credit-cards","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/credit-cards\/black-credit-cards","title":{"rendered":"Black credit cards"},"content":{"rendered":"<style>\r\n.hero-rates__rates > header > a { margin: 0px auto 5px; }\r\n.hero-rates__rates .hero-rates__header { max-width: 95%; margin-left: auto; margin-right: auto; }\r\n@media screen and (max-width: 600px) {\r\n.hero-rates__rates > header > a { max-width: 240px; }\r\n\r\n.uk-hero-rates ul { margin-left: auto !important; margin-right: auto !important; width: fit-content; }\r\n\r\n}\r\n.hero-rates__description>ul.list-10, .hero-rates__description>ul.list-1, .hero-rates__description h3.hero-rates__offer { display: block; }\r\n\r\n<\/style>\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n<article id=\"ukfeatureproduct\" class=\"hero-rates uk-hero-rates\" style=\"max-width: 42rem; margin: 0 auto 20px; min-height: 0px; \">\r\n\r\n<div class=\"hero-rates__content\">\r\n<section class=\"hero-rates__rates\" style=\"flex-shrink: 0;\">\r\n  \r\n<header class=\"hero-rates__header has-margin-top-xsmall\">\r\n\r\n<a rel=\"sponsored\" target=\"_blank\" href=\"https:\/\/www.finder.com\/redirect\/uk\/credit-cards\/americanexpress-preferredrewardsgoldcreditcard-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%22e1445fa0-34b3-47fe-b50c-4b69a3a2ac36%22%2C%22product_name%22%3A%22American%2BExpress%25C2%25AE%2BPreferred%2BRewards%2BGold%2BCredit%25C2%25A0Card%22%2C%22offer_id%22%3A%2224700%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.UK_DEFAULT_HERO_CONTENT%22%2C%22niche_code%22%3A%22UKCCF%22%2C%22post_id%22%3A%22263309%22%2C%22post_path%22%3A%22credit-cards%252Fblack-credit-cards%22%2C%22post_country%22%3A%22uk%22%7D\">\r\n\r\n  \r\n<img decoding=\"async\" alt=\"American Express\u00ae Preferred Rewards Gold Credit\u00a0Card\" src=\"https:\/\/www.finder.com\/niche-builder\/64a526febf43b.png\" width=\"210\" height=\"131\" style=\"width: 210px; height: 131px !important;\" srcset=\"https:\/\/www.finder.com\/niche-builder\/64a526febf43b.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/64a526febf43b.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/64a526febf43b.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/64a526febf43b.png?fit=630 630w\" sizes=\"(max-width: 630px) 100vw, 630px\" loading=\"lazy\">\r\n\r\n  \r\n<\/a>\r\n\r\n<\/header>\r\n  \r\n<\/section>\r\n\r\n<section class=\"hero-rates__description\">\r\n\r\n<h3 class=\"hero-rates__offer\">\r\nAmerican Express Preferred Rewards Gold Card\r\n\r\n<\/h3>\r\n      \r\n\r\n\r\n\r\n<ul class=\"list-1\" style=\"max-width: 95%;\">\r\n<li>40,000 Membership Rewards point welcome bonus<\/li><li>4 complimentary airport lounge visits per year<\/li><li>No annual fee in year 1<\/li>\r\n\r\n<\/ul>\r\n\r\n<p>Representative example: Representative 85.8% APR variable. Based on \u00a3195 annual fee, assumed borrowing of \u00a31,200. Rate of interest 29.1% p.a. (variable).<\/p>\r\n\r\n\r\n<\/section>\r\n\r\n<section class=\"hero-rates__cta\">\r\n  \r\n<div class=\"applylinks UKCCF has-margin-top-xsmall\">\r\n\r\n<a class=\"luna-button luna-button--success luna-button--cta luna-button--large has-margin-bottom-xsmall\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/uk\/credit-cards\/americanexpress-preferredrewardsgoldcreditcard-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%22e1445fa0-34b3-47fe-b50c-4b69a3a2ac36%22%2C%22product_name%22%3A%22American%2BExpress%25C2%25AE%2BPreferred%2BRewards%2BGold%2BCredit%25C2%25A0Card%22%2C%22offer_id%22%3A%2224700%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.UK_DEFAULT_HERO_CONTENT%22%2C%22niche_code%22%3A%22UKCCF%22%2C%22post_id%22%3A%22263309%22%2C%22post_path%22%3A%22credit-cards%252Fblack-credit-cards%22%2C%22post_country%22%3A%22uk%22%7D\">\r\nCheck eligibility\r\n\r\n<\/a>\r\n<br>\r\n\r\n\r\n  \r\n  \r\n  \r\n\r\n\r\n\r\n\r\n<a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/american-express\/american-express-preferred-rewards-gold-credit-card\" class=\"h_hero_tc tc\">More Info<\/a>\r\n\r\n\r\n<\/div>\r\n\r\n<\/section>\r\n\r\n\r\n  \r\n<\/div>\r\n  \r\n\r\n<footer class=\"hero-rates__disclaimer-popup disclaimer_popup-with-text\">\r\n<span class=\"disclaimer_popup--text\">Promoted<\/span>\r\n<a class=\"disclaimer_popup disclaimer_title_empty\" data-target=\"#disclaimer_popup\" data-toggle=\"modal\" href=\"#\">\r\n<svg class=\"luna-icon luna-icon--small luna-icon--primary\"><use xlink:href=\"#info-circle\"><\/use><\/svg>\r\n<\/a>\r\n<\/footer>\r\n\r\n<\/article><h3>What is a black credit card?<\/h3><p>A black credit card is a premium credit card that offers more status and benefits than standard, gold or platinum credit cards. The use of the term \u201cblack\u201d for this type of credit card refers to the level of the account, similar to how airline and hotel programs have different status levels.<\/p><p>However, there are some standard credit cards that are also labelled as \u201cblack\u201d cards by the provider. These cards may offer more benefits than other similar cards, but without the exclusivity of the elite black cards.<\/p><h4>What benefits can I find with a black credit card?<\/h4><p>Black credit cards offer a range of exclusive features that vary between cards. A few notable features may include:<\/p><ul><li>Higher credit limits<\/li><li>Special card construction, such as titanium or carbon<\/li><li>Greater travel insurance coverage<\/li><li>Complimentary status upgrades for hotel and airline programs<\/li><li>Special upgrades at select hotels<\/li><li>Access to hundreds of airport lounges around the world<\/li><li>24\/7 concierge service<\/li><li>Travel credits<\/li><li>Access to special events and experiences<\/li><\/ul><p><a class=\"more-link-arrow\" href=\"https:\/\/www.finder.com\/uk\/credit-cards\/the-most-exclusive-credit-cards-in-the-world\">What are the most prestigious credit cards?<\/a><\/p><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\"><p>Approval for any credit card depends on your status. The representative APRs shown represent the interest rate offered to most successful applicants. Depending on your personal circumstances, the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow. Most of the data in Finder's comparison tables is provided by Defaqto.<\/p><\/div><\/article><h3 id=\"whatcosts\">How much does a black credit card cost?<\/h3><p>As you\u2019d expect, the perks offered by the best black credit cards can often come with a premium price tag. Depending on the card, you may be faced with an annual fee in the thousands of pounds, though many black cards have annual fees around \u00a3300 or less.<\/p><h3>Who should get a black credit card?<\/h3><p>Most black credit cards are designed for people with high incomes and high monthly charges. They\u2019re also usually reserved for those with excellent credit scores.<\/p><p>But meeting the application requirements doesn\u2019t necessarily mean you should get a black credit card. If you never travel, for example, you won\u2019t leverage perks like travel credits, airport lounge access and status upgrades in hotel and airline programs. In that case, it might not be worth paying a high annual fee.<\/p><p>On the other hand, if you travel often and love accessing special events through your card, you might find your card pays for itself many times over.<\/p><h3 id=\"howto\">How to compare black credit cards<\/h3><p>There are three main factors to consider when comparing black credit cards:<\/p><ul><li><strong>Rewards.<\/strong> Black credit cards often don\u2019t have the most powerful rewards, as their main value lies in their benefits. If rewards are important to you, <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/travel-credit-cards\">consider a travel card<\/a> or <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/cashback-credit-cards\">look into cashback credit cards<\/a>. When evaluating a black card, check if it offers elevated rewards for certain categories. Then consider your spending in these categories to see if you\u2019re likely to benefit.<\/li><li><strong>Complimentary extras.<\/strong> Compare benefits based on what\u2019s valuable to you. Black cards tend to offer certain features across the board, such as Global Entry and access to airport lounges. But you\u2019ll see differences between products, such as varying values of airline fee credits and perks in specific loyalty programs.<\/li><li><strong>Fees.<\/strong> Preferably, your card\u2019s benefits will outweigh the annual fee. Consider whether you\u2019ll use perks like airport lounge access and travel credits. Additionally, look into your spending and see whether you\u2019ll earn enough rewards to offset the annual fee.<\/li><\/ul><h3>Bottom line<\/h3><p>Not everyone will qualify for the most exclusive black credit cards, which is part of the appeal. This type of card comes with a high annual fee, robust luxury features and is often available by invitation only.<\/p><p>However, there are some black cards that offer better rewards and benefits, without the associated cost. You also don\u2019t have to get a black card to enjoy high-class travel benefits. If you don\u2019t meet the criteria or are looking for a more affordable option, <a href=\"https:\/\/www.finder.com\/credit-cards\/travel-credit-cards\">compare travel credit cards<\/a> and see if you can find the alternative that\u2019s right for you.<\/p><h3 id=\"faqblack\">Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">Which type of rewards will I earn with a black credit card?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>This depends on the specific card, but you may be entitled to general rewards like points and cashback, as well as a range of travel benefits.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">What income do you need for a black card?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>This varies based on the provider and card. Black cards are marketed to those with high incomes, as they have high annual fees and luxury features. Typically, users of these cards pay off their balances every month.<\/p><p>Minimum income requirements can often be extremely high, with some cards requiring you to earn more than \u00a31 million per year to be eligible.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">What is the credit limit on a black card?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>The credit limit will vary by card provider, for example the Amex Centurion Black Card in the UK has no pre-set spending limit. Despite this, you\u2019ll need to clear your balance each month or you\u2019ll face hefty fees.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000003\" data-toggle=\"collapse\" data-target=\"#accordion0000000003\">\n        <span class=\"luna-accordion__title\">What's the difference between a black credit card and a platinum credit card?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>If you look at platinum and black cards from the same issuer, you\u2019ll usually find the black card offers more premium benefits. For example, it can give you access to experiences and luxury travel perks you won\u2019t find with a platinum card.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000004\" data-toggle=\"collapse\" data-target=\"#accordion0000000004\">\n        <span class=\"luna-accordion__title\">Should I get a black credit card or a platinum credit card?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000004\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>This depends on your individual circumstances. In some cases, you might find a platinum credit card offers all the benefits you need and has an annual fee that suits your budget. In others, you might be drawn to the luxury privileges and perks of a black card.<\/p><p>The simplest way to decide between a black and platinum card is to compare them side by side, based on the features that interest you. Consider your spending habits, budget and eligibility for both card types. Eventually, you\u2019ll decide which card is right for you.<\/p><\/div>\n  <\/div>\n<\/li><\/ul><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms \"best\", \"top\", \"cheap\" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>Black credit cards are the cream of the credit card crop. See how they work and if you&#8217;re eligible to get one. <\/p>\n","protected":false},"author":748,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[2112],"tags":[2559],"asset_tag":[],"class_list":["post-263309","post","type-post","status-publish","format-standard","hentry","category-credit-cards","tag-latest-1"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Black credit cards | Finder UK<\/title>\n<meta name=\"description\" content=\"Black credit cards are the cream of the credit card crop. Find out how they work and what you&#039;ll need to get one.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/uk\/credit-cards\/black-credit-cards\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Black credit cards\" \/>\n<meta property=\"og:description\" content=\"Black credit cards are the cream of the credit card crop. Find out how they work and what you&#039;ll need to get one.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.finder.com\/uk\/credit-cards\/black-credit-cards\" \/>\n<meta property=\"og:site_name\" content=\"Finder UK\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/findercomuk\" \/>\n<meta property=\"article:published_time\" content=\"2019-11-12T10:55:19+00:00\" \/>\n<meta name=\"author\" content=\"Tom Stelzer\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@https:\/\/twitter.com\/ThomasStelzer4\" \/>\n<meta name=\"twitter:site\" content=\"@findercomUK\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Tom Stelzer\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.finder.com\/uk\/credit-cards\/black-credit-cards#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.finder.com\/uk\/credit-cards\/black-credit-cards\"},\"author\":{\"name\":\"Tom Stelzer\",\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/person\/21285207994967e8ce232a7bd1656c4f\"},\"headline\":\"Black credit cards\",\"datePublished\":\"2019-11-12T10:55:19+00:00\",\"dateModified\":\"2023-12-13T15:03:30+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.finder.com\/uk\/credit-cards\/black-credit-cards\"},\"wordCount\":1112,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.finder.com\/uk\/#organization\"},\"articleSection\":[\"Credit Cards\"],\"inLanguage\":{\"@type\":\"Language\",\"name\":\"English\",\"alternateName\":\"en\"},\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.finder.com\/uk\/credit-cards\/black-credit-cards#respond\"]}],\"copyrightYear\":\"2019\",\"copyrightHolder\":{\"@id\":\"https:\/\/www.finder.com\/#organization\"}},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.finder.com\/uk\/credit-cards\/black-credit-cards\",\"url\":\"https:\/\/www.finder.com\/uk\/credit-cards\/black-credit-cards\",\"name\":\"Black credit cards | Finder UK\",\"isPartOf\":{\"@id\":\"https:\/\/www.finder.com\/uk\/#website\"},\"datePublished\":\"2019-11-12T10:55:19+00:00\",\"dateModified\":\"2023-12-13T15:03:30+00:00\",\"description\":\"Black credit cards are the cream of the credit card crop. Find out how they work and what you'll need to get one.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.finder.com\/uk\/credit-cards\/black-credit-cards#breadcrumb\"},\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.finder.com\/uk\/credit-cards\/black-credit-cards\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.finder.com\/uk\/credit-cards\/black-credit-cards#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"UK\",\"item\":\"https:\/\/www.finder.com\/uk\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Credit Cards\",\"item\":\"https:\/\/www.finder.com\/uk\/credit-cards\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Black credit cards\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.finder.com\/uk\/#website\",\"url\":\"https:\/\/www.finder.com\/uk\/\",\"name\":\"Finder UK\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/www.finder.com\/uk\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.finder.com\/uk\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-GB\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.finder.com\/uk\/#organization\",\"name\":\"Finder\",\"url\":\"https:\/\/www.finder.com\/uk\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/05\/Finder-Logo-696x696-1.png\",\"contentUrl\":\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/05\/Finder-Logo-696x696-1.png\",\"width\":1392,\"height\":1392,\"caption\":\"Finder\"},\"image\":{\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/findercomuk\",\"https:\/\/x.com\/findercomUK\",\"https:\/\/www.linkedin.com\/company\/finder\/\",\"https:\/\/en.wikipedia.org\/wiki\/Finder_(website)\"],\"description\":\"Every month more than 2 million unique visitors turn to Finder to save money and time, and to make important life choices. We compare everything from bank accounts, personal loans, investing platforms and much more.\",\"email\":\"heythere@finder.com\",\"legalName\":\"Finder\",\"foundingDate\":\"2006-01-01\",\"numberOfEmployees\":{\"@type\":\"QuantitativeValue\",\"minValue\":\"51\",\"maxValue\":\"200\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/person\/21285207994967e8ce232a7bd1656c4f\",\"name\":\"Tom Stelzer\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/12\/TomStelzerF1_Finder_600x600.png\",\"contentUrl\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/12\/TomStelzerF1_Finder_600x600.png\",\"caption\":\"Tom Stelzer\"},\"description\":\"Tom Stelzer is a writer for Finder specialising in personal finance, including loans and credit, as well as small business and business loans. He has previously worked as a freelance writer covering entertainment, culture and football for publications like FourFourTwo and Man of Many. He has a Master of Media Arts and Production and Bachelor of Communications in Journalism from the University of Technology Sydney.\",\"sameAs\":[\"https:\/\/twitter.com\/ThomasStelzer4\",\"https:\/\/www.linkedin.com\/in\/thomas-stelzer-0a60908a\"],\"url\":\"https:\/\/www.finder.com\/uk\/author\/thomasstelzer\",\"jobTitle\":\"Writer\",\"worksFor\":{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.finder.com\/uk\/#organization\",\"name\":\"Finder\"}}]}<\/script>\n<meta property=\"article:modified_time\" content=\"2023-12-13T15:03:30+00:00\" \/>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Black credit cards | Finder UK","description":"Black credit cards are the cream of the credit card crop. Find out how they work and what you'll need to get one.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.finder.com\/uk\/credit-cards\/black-credit-cards","og_locale":"en_GB","og_type":"article","og_title":"Black credit cards","og_description":"Black credit cards are the cream of the credit card crop. Find out how they work and what you'll need to get one.","og_url":"https:\/\/www.finder.com\/uk\/credit-cards\/black-credit-cards","og_site_name":"Finder UK","article_publisher":"https:\/\/www.facebook.com\/findercomuk","article_published_time":"2019-11-12T10:55:19+00:00","author":"Tom Stelzer","twitter_card":"summary_large_image","twitter_creator":"@https:\/\/twitter.com\/ThomasStelzer4","twitter_site":"@findercomUK","twitter_misc":{"Written by":"Tom Stelzer","Est. reading time":"5 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.finder.com\/uk\/credit-cards\/black-credit-cards#article","isPartOf":{"@id":"https:\/\/www.finder.com\/uk\/credit-cards\/black-credit-cards"},"author":{"name":"Tom Stelzer","@id":"https:\/\/www.finder.com\/uk\/#\/schema\/person\/21285207994967e8ce232a7bd1656c4f"},"headline":"Black credit cards","datePublished":"2019-11-12T10:55:19+00:00","dateModified":"2023-12-13T15:03:30+00:00","mainEntityOfPage":{"@id":"https:\/\/www.finder.com\/uk\/credit-cards\/black-credit-cards"},"wordCount":1112,"commentCount":0,"publisher":{"@id":"https:\/\/www.finder.com\/uk\/#organization"},"articleSection":["Credit Cards"],"inLanguage":{"@type":"Language","name":"English","alternateName":"en"},"potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.finder.com\/uk\/credit-cards\/black-credit-cards#respond"]}],"copyrightYear":"2019","copyrightHolder":{"@id":"https:\/\/www.finder.com\/#organization"}},{"@type":"WebPage","@id":"https:\/\/www.finder.com\/uk\/credit-cards\/black-credit-cards","url":"https:\/\/www.finder.com\/uk\/credit-cards\/black-credit-cards","name":"Black credit cards | Finder UK","isPartOf":{"@id":"https:\/\/www.finder.com\/uk\/#website"},"datePublished":"2019-11-12T10:55:19+00:00","dateModified":"2023-12-13T15:03:30+00:00","description":"Black credit cards are the cream of the credit card crop. Find out how they work and what you'll need to get one.","breadcrumb":{"@id":"https:\/\/www.finder.com\/uk\/credit-cards\/black-credit-cards#breadcrumb"},"inLanguage":"en-GB","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.finder.com\/uk\/credit-cards\/black-credit-cards"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.finder.com\/uk\/credit-cards\/black-credit-cards#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"UK","item":"https:\/\/www.finder.com\/uk\/"},{"@type":"ListItem","position":2,"name":"Credit Cards","item":"https:\/\/www.finder.com\/uk\/credit-cards"},{"@type":"ListItem","position":3,"name":"Black credit cards"}]},{"@type":"WebSite","@id":"https:\/\/www.finder.com\/uk\/#website","url":"https:\/\/www.finder.com\/uk\/","name":"Finder UK","description":"","publisher":{"@id":"https:\/\/www.finder.com\/uk\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.finder.com\/uk\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-GB"},{"@type":"Organization","@id":"https:\/\/www.finder.com\/uk\/#organization","name":"Finder","url":"https:\/\/www.finder.com\/uk\/","logo":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/www.finder.com\/uk\/#\/schema\/logo\/image\/","url":"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/05\/Finder-Logo-696x696-1.png","contentUrl":"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/05\/Finder-Logo-696x696-1.png","width":1392,"height":1392,"caption":"Finder"},"image":{"@id":"https:\/\/www.finder.com\/uk\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/findercomuk","https:\/\/x.com\/findercomUK","https:\/\/www.linkedin.com\/company\/finder\/","https:\/\/en.wikipedia.org\/wiki\/Finder_(website)"],"description":"Every month more than 2 million unique visitors turn to Finder to save money and time, and to make important life choices. We compare everything from bank accounts, personal loans, investing platforms and much more.","email":"heythere@finder.com","legalName":"Finder","foundingDate":"2006-01-01","numberOfEmployees":{"@type":"QuantitativeValue","minValue":"51","maxValue":"200"}},{"@type":"Person","@id":"https:\/\/www.finder.com\/uk\/#\/schema\/person\/21285207994967e8ce232a7bd1656c4f","name":"Tom Stelzer","image":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/www.finder.com\/uk\/#\/schema\/person\/image\/","url":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/12\/TomStelzerF1_Finder_600x600.png","contentUrl":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/12\/TomStelzerF1_Finder_600x600.png","caption":"Tom Stelzer"},"description":"Tom Stelzer is a writer for Finder specialising in personal finance, including loans and credit, as well as small business and business loans. He has previously worked as a freelance writer covering entertainment, culture and football for publications like FourFourTwo and Man of Many. He has a Master of Media Arts and Production and Bachelor of Communications in Journalism from the University of Technology Sydney.","sameAs":["https:\/\/twitter.com\/ThomasStelzer4","https:\/\/www.linkedin.com\/in\/thomas-stelzer-0a60908a"],"url":"https:\/\/www.finder.com\/uk\/author\/thomasstelzer","jobTitle":"Writer","worksFor":{"@type":"Organization","@id":"https:\/\/www.finder.com\/uk\/#organization","name":"Finder"}}]},"article_modified_time":"2023-12-13T15:03:30+00:00"},"custom_fields":{"_content_type":["niche-content\/comparison\/compare-guide"],"_masthead_variant":["{\"id\":\"beta-widget\",\"showFeaturedImage\":false,\"presetId\":\"shortcode\",\"shouldUsePrimaryCTAFieldName\":false,\"shouldUseSecondaryCTAFieldName\":false,\"primaryCTA\":null,\"secondaryCTA\":null,\"widgetShortcode\":\"[embed_quiz id=\\\"ad05d7b9-7687-4ad7-aeaa-cbf516a2cf0c\\\" title=\\\"Not sure what card you need?\\\" description=\\\"This quick 3-question quiz will help you narrow down your shortlist. If you already know what you're after, check out the table below!\\\" img=\\\"https:\\\/\\\/www.finder.com.au\\\/finder-au\\\/wp-uploads\\\/2020\\\/08\\\/credit-card-green1.png\\\" template=\\\"masthead\\\"]\",\"widgetHeading\":\"\",\"widgetStats\":\"\",\"hasPrioritizedWidget\":false,\"hasMaximizedWidget\":false,\"shouldUseOverrideCTALabel\":false,\"overrideCTA\":null,\"cleanTopPicks\":\"\"}"],"_masthead_subheading":["{\"text\":\"Black credit cards are one of the most exclusive types of card, designed for the biggest earners and spenders. They offer generous rewards, insurance and even concierge services. Find out how these premium cards work.\"}"],"custom_post_template":["page-nb-table-with-filters.php"]},"amp_enabled":false,"_links":{"self":[{"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/posts\/263309"}],"collection":[{"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/users\/748"}],"replies":[{"embeddable":true,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/comments?post=263309"}],"version-history":[{"count":10,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/posts\/263309\/revisions"}],"predecessor-version":[{"id":549472,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/posts\/263309\/revisions\/549472"}],"wp:attachment":[{"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/media?parent=263309"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/categories?post=263309"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/tags?post=263309"},{"taxonomy":"asset_tag","embeddable":true,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/asset_tag?post=263309"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}