If you are the sort to base your personal finance decisions on the boasts contained in Bow Wow lyrics, you may have considered upgrading to the recently launched Visa Black Card. At first glance, it could seem like an appealing signifier of a certain kind of financial prowess -- the card itself, for instance, is made of stainless steel. While this may solve your issues with credit card rust (très déclassé), the card itself is gaining a reputation as something of a joke. Modeled after American Express' Centurion card -- a product only available to those with over 16.3 million in assets -- Visa's Black Card has apparently been created to impress people who don't know the difference. Offering fewer rewards than a comparable AmEx Platinum, and commanding a hefty $495 annual fee, the Visa Black signifies status anxiety rather than wealth, and should be avoided.