Bogdan Roberts, Credit Cards Moderator
@bogdan_roberts
No, Capital One does not have a black card, at least not in the super exclusive or hard-to-get category. Capital One may occasionally have cards that are black in color. However, most people looking for a black card are looking for the most exclusive cards, like the Centurion® Card from American Express. This card is also called the Amex Black Card.
If you have at least good credit, though, and you’re simply looking for a good credit card, Capital One’s lack of a black credit card shouldn’t be a big issue. A good card with elite rewards to consider is the Capital One Venture Rewards Credit Card. This card offers 2 - 5 miles per $1 spent on purchases. The Capital One Venture card charges an annual fee of $95 – a much better deal than the Amex Black Card's $5,000 annual fee.
Alternative Capital One Credit Card Options to a Black Card
- Rates & Fees Best Overall: Capital One Venture Rewards Credit CardLearn MoreLearn Moreon issuer's website
- Rates & Fees Best Overall: Capital One Venture Rewards Credit CardLearn MoreLearn Moreon issuer's website
- Best Overall: Capital One Venture Rewards Credit CardLearn MoreLearn More
- Best Overall:
Initial Bonus: 75,000 miles for spending $4,000 on purchases within 3 months from account opening.
Ongoing Rewards: 5 miles per $1 spent on hotels, vacation rentals and rental cars booked through Capital One Travel, 5 miles per $1 spent on Capital One Entertainment purchases through 12/31/25, as well as 2 miles per $1 on all other purchases
Annual Fee: $95
Credit Requirement: Good credit
- Rates & Fees Big Spenders: Capital One Venture X Rewards Credit CardLearn MoreLearn Moreon issuer's website
- Rates & Fees Big Spenders: Capital One Venture X Rewards Credit CardLearn MoreLearn Moreon issuer's website
- Big Spenders: Capital One Venture X Rewards Credit CardLearn MoreLearn More
- Big Spenders:
Initial Bonus: 75,000 miles for spending $4,000 in the first 3 months of account opening.
Ongoing Rewards: 10 miles per $1 spent on hotels and rental cars booked through Capital One Travel, 5 miles per $1 spent on flights and vacation rentals booked through Capital One Travel, 5 miles per $1 spent on Capital One Entertainment purchases through 12/31/25, as well as 2 miles per $1 on all other purchases
Annual Fee: $395
Credit Requirement: Excellent credit
To explore more options from other issuers, too, feel free to check out our editors’ latest picks for the most exclusive, top-tier cards. Keep in mind that you don’t necessarily need the most exclusive card or the card with the most benefits. The best credit card for you is the card that fits your financial priorities, spending preferences, and budget.
Popular Credit Cards from Capital One, Our Partner
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Rewards
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0% Intro APR
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No Annual Fee
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Building Credit
People also ask
What is a black credit card?
A black credit card is an exclusive, invitation-only card issued by American Express. The so-called Amex black card is more formally known as the Centurion® Card from American Express, and it has become a status symbol in pop culture.
Centurion® Card from American Express Details
- Approval requirements: Amex does not disclose income requirements for the Centurion® Card from American Express, but online reports say you have to spend a certain amount per year on an Amex card to merit consideration for an invitation. Plus,...
What are the Mastercard Black Card approval requirements?
The minimum requirements for the Mastercard® Black Card include being at least 18 years old, having a good credit score of 700 or better, and earning enough income to afford monthly bill payments. You also need to have a Social Security number or International Tax Identification Number.
Minimum Mastercard® Black Card Requirements
- Enough income to make the monthly minimum payment
- Good credit or better (700+ credit score)
- 18+ years old
- Social Security number...
How much is the American Express Black Card credit limit?
The American Express Black Card’s credit limit is determined on a month-to-month basis, and it depends on your overall spending and payment habits. That is because the Amex Black Card – officially known as the Centurion® Card from American Express - is a no preset spending limit (NPSL) card. American Express may also adjust the limit based on your card use.
This is one of the most exclusive credit cards out there, and it's designed for high-spenders.
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