Visa Black Card: It’s modeled after the American Express Centurion (aka “Black”) card, but this one, issued by Barclays, is more likely to put you in the red. It comes with a hefty $495 fee — and you don’t really get all that much for your money, according to CardHub, which labels it the worst general consumer credit card for rewards among the 1,000-plus it evaluated. Cardholders earn a measly one point per dollar spent, while many other rewards cards offer 2 points per dollar (and don’t charge you nearly $500 a year, either). And while we’ve seen many penalty interest rates that hover near the 30% mark, the Visa Black takes it over that threshold, with a default rate of 30.24%.

Yes, you get access to airport lounges along with some other perks, but there are plenty of cards that offer airport lounge access and similar benefits for less than $495. CardHub calls it a “cheap imitation” of the AmEx Black Card.