<prompt> Human: Today I received an offer in the mail for a Visa Black Card. I was wondering if the card is worth it. Currently I have 3 Credit Cards. 1 I do not use, 1 I am paying off and the other I just got for the Rewards ProgramAmazon, FTW! xD. I dont think I really plan on taking on a 4th Credit Card, but alas I am curious as to whether in fact any of these Exclusive Black Cards are all they are cracked up to be.  <response>: The card has a 495 annual fee. I HIGHLY doubt itd be worth it for you, unless youre traveling 300 days out of the year andor quite well off. 