The Black Card isn’t about perks, it’s about perception!

28 Dec 2025 · 1 min

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0:51

Short video by Dan Novaes arguing that owning a "black card" (MX black card) functions largely as a status symbol—like a Rolex versus a $30 watch—rather than necessarily offering the best points-per-dollar. He advises using a black card if it matters to you, but to prioritize cards that deliver the best perks and long-term savings; the speaker links this advice to UBK’s mission of smarter spending and earning.

Chapters

So the way to think about the black card is also somewhat like a watch. I could buy a Timex or a Casio for $30, or I could buy a Rolex for $30,000. Both will tell me time. And one is more of a status symbol. It says something about you, some things you've achieved, and if that's important to you personally, then you should get an MX black card. And if you can hack it, why not? But you know, it does also tell the time, just like the $30 watch. So that's the best way to kind of think about the black card. You're not necessarily going to get better points per dollar. There are cards out there that do that the best. And so my recommendation is, if you have an opportunity, get one, use it wisely, but still use the cards that are going to get you the best perks and save you the most money. Because in the long term, that's what UBK is all about, is about spending smarter and earning and saving more. If you want to get more of this, follow us and get all of our hacks for free.