Ross is referring to the American Express Centurion card. Black Card has a minimum spend of 150k per year and 5000 per year renewal membership fee.
Ross has a black card but he’s spending 100’s at the bar. His using cash because that’s what drug dealers do, they can’t buy assets with credit, or else the IRS will get them (it was an accountant that got Al Capone after all). So, Ross stunts at the club and gets street love. Ross could use his black card but he prefers to spend his cash earned from his side game at the club. Plus, if they find the kilo in his car that was mentioned in the last line, he has no name on file and can claim that someone stole his car and took it to the club.
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