Unlimited EDITION
Black Card
8% annual rewards, 1% FX rate, up to 2 account holders.
About the Black Card
Never miss a payment again
Each user has unlimited time to pay off their balance and we don't charge any late fees or affect your credit score. Never worry about losing your account as you have unlimited time to pay off your balance or wait for the rewards to settle it.
Automate payment with rewards
Earn 8% rewards off your average available credit automatically. You can also use it to pay off your balance as you spend or pay your annual fee.
Lifestyle Perks and Financial Wellness
Unlock a world where luxury concierge services and AI personal assistants streamline your daily tasks and travel plans. Access exclusive events, top wellness and fitness clubs, and bespoke experiences that cater to your refined tastes.
Karma Rewards
Earn Karma points every time you spend. Use them to pay off your balance, stake for more rewards, or sell.
Food & Dining
at restaurants worldwide, plus takeout and delivery at home or while traveling.
Retail Stores
at supermarkets and retail stores worldwide, on up to $25,000 per year in purchases.
Flights & Hotels
on flights and hotels worldwide up to $100,000.
Every Purchase
anytime you use your card in every country for anything you can purchase with your Lux card.
Travel Benefits
Lifestyle Benefits
Ready for the Black Card?
Zero interest. Self-repaying debt. Global acceptance. Join the future of credit.
Apply Now