Two different readers recently received an application for the Visa Black Card from Barclays. With its “patent pending carbon” material and “exclusive rewards program,” it’s not for everyone. With its $495 annual fee (plus another $195 per each authorized user), it’s not for anyone, not even the supposed 1% of the population Barclays says they’re marketing it to. We take that back—if Gob Bluth could get his own credit card, this would be the one he’d sign up for. C’mon!