LUX
Black Card

Anodized Black Titanium

Annual Fee: $99
Initiation Fee: $999

The Lux Black Card is the gateway to our unparalleled financial ecosystem.

Enjoy 8% rewards, $200 travel rebate, airport lounge access, concierge service, and more. The perfect intersection of a savings account, debit card, credit cards and collateralized loan.

This offer may not be available if you leave this web page and return later.

Rewards with every purchase.

2X points at restaurants worldwide, plus takeout and delivery at home or while traveling.

2X points at supermarkets and retail stores worldwide, on up to $25,000 per year in purchases.

1X points on flights and hotels worldwide up to $100,000.

1X points anytime you use your card in every country for anything you can purchase with your Lux card.

Founder Card

Cool Chrome

Annual Fee: $0
Initiation Fee: $4,999

Upgrade your status, with all the benefits from the Black and Founders card.

Introducing the Lux Elite Card, reserved for just 1 in 10,000. Join a select few with 9% rewards, access to private jets, yacht charters, VIP experiences, heightened security, and personalized hosting and dining services.

This offer may not be available if you leave this web page and return later.

Rewards with every purchase.

4X points at restaurants worldwide, plus takeout and delivery at home or while traveling.

4X points at supermarkets and retail stores worldwide, on up to $25,000 per year in purchases.

3X points on flights booked directly with airlines.

1X points anytime you use your card in every country for anything you can purchase with your Lux card.

Elite Card

24k Gold

Annual Fee: $999
Initiation Fee: $9,999

Elevate your life, financial opportunities, and indulgences like never before.

Join the 1/100,000 with this exclusive tier. offers Benefits include 10% rewards, $500 travel credit, Lux Wealth Advisory, private club memberships, personal shopper services, 24/7 assistance, and more.

This offer may not be available if you leave this web page and return later.

Rewards with every purchase.

3X points on travel including airfare, hotels, cruises, tours, car rentals, campgrounds, vacation rentals, travel purchases on third party travel websites, and travel purchases.

3X points on transit including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways.

3X points on dining at restaurants worldwide, including takeout and delivery worldwide.

1X points anytime you use your card in every country for anything you can purchase with your Lux card.

Sovereign Card

Reflective Titanium

Annual Fee: $4,999
Initiation Fee: $49,500

Ascend to true sovereignty and earning potential with the Lux Sovereign Card.

With a mirror-like surface that remains untarnished and can not show fingerprints, wield your worth with unmatched prestige.

This offer may not be available if you leave this web page and return later.

Rewards with every purchase.

5X points on flights booked directly with airlines.

5X points on prepaid hotels worldwide.

1X points anytime you use your card in every country for anything you can purchase with your Lux card.

Earn up to 11% of your balance annually with Lux Credit.

Learn more about how you can earn rewards infinitely by using your Lux Card without ever impacting your credit score.

What are Karma Rewards?
All Cards
Compare Cards
Black Card Anodized Black Titanium

Anodized Black Titanium

Black Card
Anodized Black Titanium
Black Gunmetal
Annual Fee: $99
Initiation Fee: $999
Founder Card Cool Chrome

Cool Chrome

Founder Card
Cool Chrome
Iridescent Chrome
Annual Fee: $0
Initiation Fee: $4,999
Elite Card 24k Gold

24k Gold

Elite Card
24k Gold
Sterling Silver
Annual Fee: $999
Initiation Fee: $9,999
Sovereign Card Reflective Titanium

Reflective Titanium

Sovereign Card
Reflective Titanium
Annual Fee: $4,999
Initiation Fee: $49,500