I was recently introduced to this company and was quite impressed with what they had to offer.
Within this ZBlackCard review I want to show you exactly what you can expect if you do decide to join the business and why I think you should or should not go for it.
Just like most of you, the whole “black card” thing got me interested and of course I wanted one.
Not so much the metal aspect of things but the fact that the card is actually black like the same card none of us have (lol).
Then of course came the business opportunity side of things and then the bonuses and all that good stuff that kind of turned me off.
That’s usually how it is but I had to do more research to see if this was really a solid opportunity and a way to help with your credit or if it was just another recruiting based company that is focused more on doing exactly that.
Will this be the right card/business for you?
Let’s dig a little deeper to see what this ZBlackCard is really about and if it is worth the pricey startup.
ZBlackCard Review – The Company
This company was created by Troy Mason from Houston Texas, who actually has many products and services that fall under the Ztegrity brand.
The ZBlackCard is a debit card that serves as a secured credit card that will help build/repair one’s credit with the opportunity to make some money through their network marketing side of things.
Product Overview – The Actual Card
When you hear of a “black card” you automatically think baller.
You also think that you will never own one in your life as they are specifically designed for anyone who actually has wealth.
Then comes along something like the ZBlackCard that can have you feeling and looking like you are wealthy.
I mean, who doesn’t want to own a black card regardless of your net worth?
Well that’s what you can do if you were to get your hands on one as these metal cards that weigh a lot more than the American Express black card.
With 13 different styles to choose from, you can get your hands on one if you are willing to pay the price, which we will be getting into later in this review.
But before that, let’s take a look at what you will be able to do with it.
How the ZBlackCard Works
The ZBlackCard is actually debit card but serves as a secured credit card but not exactly.
If you don’t know what a secured credit card is, it is a line of credit (that you actually fund yourself) from which you will then use as if it were a regular credit card.
Let’s say I got a secure line of credit for $500, that would mean that I put in $500 of my own money that I will then use as a credit card for the sole purpose of building my credit.
However, you will still need to make regular payments on what you spend, which will reflect on your credit report.
So yes, you are using YOUR money but this is strictly for anyone who can not get approved for a regular credit card but is looking to rebuild and/or establish some credit.
Well that is also where the ZBlackCard comes into play.
It does not work exactly as a normal secured credit card would and is actually beneficial for anyone looking to rebuild their credit but don’t have the money upfront to load the card.
Unlike a regular credit card that requires you to have a decent credit score and some income to show that you are able to pay for your purchases, you do not need any credit whatsoever with the ZBlackCard.
Good or bad credit, you can still own a ZBlackCard and improve your credit score.
However, the card does not come with any actual money but it does give you the line of credit that you opt for.
So if you choose the $5,000 plan, it will show that you have that amount in your credit report and the same thing goes if you choose their $10k plan.
Now you are able to use the card like a regular debit card but you will need to add the funds that can be done through PayPal, Western Union, or regular bank transfers as this does come with an actual bank account.
The idea behind this is that you are building credit and you have a really cool card.
That’s about it.
How Much Does the ZBlackCard Cost?
From what I thought to be an easy process turned out to come with a lot more obstacles than I thought.
First, you will need to pick your actual plan for the card that offer different benefits.
You can start out as a free member but you won’t be able to get any bonuses or partake in their MLM side of things and you won’t be able to get any credit help.
The free plan is for anyone who is simply looking to promote the company.
Now if you do go for their VIP, Auto, or the combo, you will get a line of credit along with the other incentives.
I’m not going to get into the multilevel part of things but just know that you do get $1-$6 for the sales you do make.
Not the best deal but you at least get the other bonuses.
Once you have chosen your preferred plan, you can then proceed to choose your actual card.
The cost can range from $40 – $200 + any other fees that are required for any premium or customized cards.
The designs are pretty simple and usually come in the black and gold that you see a lot of.
After that, you will also have to pay a fee to get either a Mastercard or a Visa card.
For a Mastercard it will only cost you $10 but that is limited to US residents.
To get the Visa card, it will cost you $100.
There are also options to upgrade to get a higher credit limit and that is going to cost you another $200.
There is also a display kit with different cards for any members that are serious about promoting this business and that is going to cost you $300 + shipping and handling.
To top it off, you will need to pay to get the card shipped and that will cost you $10 with USPS if you are a US resident or $50 with DHL for everyone else.
So if you were to go all in with this, you are looking at over $500.
If you were to get the bare minimum and you are a US resident, you are looking at around $120.
Those of you who aren’t located in the US, you can expect to spend over $200.
The Compensation Plan
Ztegrity is where the network marketing/multilevel marketing comes into play.
Along with the credit repair, this is the same reason why anyone and everyone is promoting this card.
By becoming a member, getting your ZBlackCard, and repairing your credit you are now able to share the opportunity with others so that you can make money.
For every person you personally bring into the company you will get rewarded through cash as well as some actual products that are actually not that bad.
- Sponsor 3 and have a network of at least 25 VIP card holders in your network – Movie night for two
- Sponsor 5 and have a total of 50 VIP card holders in your network – 2 full tanks of gas
- Sponsor 7 and have 100 VIP card holders in your network – Dinner for 2 (restaurant of your choice)
- Sponsor 10 and have 250 VIP card holders in your network – NFL or NBA game of your choice
- Sponsor 15 and have 500 VIP card holders in your network – Weekend in Vegas for two
- Sponsor 20 and have 1,000 VIP card holders in your network – Carnival cruise
- Sponsor 25 and have 2,500 VIP card holders in your network – $5,000 shopping spree
- Sponsor 30 and have 5,000 VIP card holders in your network – Rolex watch
- Sponsor 35 and have 12,500 VIP card holders in your network – Vacation to Paris ($25k value)
- Sponsor 50 and have 35,000 VIP card holders in your network – Dream car ($75k value)
Just not the best for anyone looking to build a real business.
This is also why I think affiliate marketing is always the best route to take if you really think that MLM is the only way.
However, if you know anything about network marketing, you will know how hard it is to even get 50 people in your network.
Just an incentive to have you push out the company but will not be attainable by 99% of its members like how all MLMs are.
Pros & Cons
- Cool card
- Can fix your credit
- Card comes with an actual account and routing number
- Allows you to get a custom built card
- Can make you money
- Pricey startup
- Can’t earn much cash (mostly bonus incentives)
Final Verdict: Legit
So I did like most of the stuff the ZBlackCard had to offer but of course the startup costs were very unexpected.
For the most part, everything seems legit.
Just understand that the bonuses offered here are attainable but not likely.
Now if fixing your credit through a secured credit card is your goal, you might want to check with your bank first as most usually offer you that option.
You will most likely have to match the amount of credit you wish to acquire but you can very much build your credit that way.
At the end of the day, you have a cool card and the network marketing side of things that are the main focus of the ZBlackCard.
Nothing more, nothing less.
Almost everyone that is thinking about joining Ztegrity is of course wanting to get their hands on the card so they can “toss like a boss” along with the chance to make some money and get rewarded.
I can see the whole impressing your friends by having a metal card part but having them join you for such a hefty price tag might be the problem.
If you can see yourself doing this then this might just be the right MLM for you.
If not, you might want to try some affiliate marketing instead as I’m all about selling other people’s products while making money without having to play the recruiting game.
Other than that, I hope this Ztegrity review and the information on the ZBlackCard has helped you in one way or another.
If you have any questions about this or any other opportunity, feel free to leave them in the comments section below.
Thanks for reading and good luck!
ZBlackCard - Conclusion
ZBlackCard is pretty interesting but the business model is not the most lucrative and therefore it doesn’t make it your best bet for starting a business. I do like the card and some parts of the debit card features but it just isn’t enough to be a solid investment. I give the overall company and its product 2/5 stars.