Founder Card

9% annual rewards, 0.5% FX rate, up to 3 account holders.

Annual Fee

$4,999

Initiation Fee

$69

Replacement Fee

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About the Founder 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 9% 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

on flights booked directly with airlines.

Every Purchase

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

Travel Benefits

$200 Travel Rebate

Airport Lounge Access: Over 1,400 select airport lounges worldwide

Lifestyle Benefits

$500 Travel Credit for Rebate

Includes all Black Card benefits

Lux Wealth Advisory: Access to financial and investment consultations

Private Club Memberships: Membership to luxurious global clubs, fitness, wellness, and other exclusive venues

Personal Shopper: Services of a personal shopper and stylist

Helpful 24/7: Customized travel itineraries and virtual assistance anytime you need it

Travel Rewards: Get rewarded credit applied to your balance for hotels, flights, taxi, Uber, and more

Streaming Services Included: Members can get 100% credits back for any online streaming platform

Account Open for Life: Unlike traditional credit cards, you can never lose access to Lux Credit

Foodie Approved: Get up to $500 of dining credit per month

Ready for the Founder Card?

Zero interest. Self-repaying debt. Global acceptance. Join the future of credit.

Apply Now