SIDE BY SIDE
Compare Cards
See how each tier stacks up. Find the perfect card for your lifestyle.
Black CardUnlimited
Black Card
Unlimited Edition
Founder Card1/20,000
Founder Card
1/20,000 Edition
Elite Card1/10,000
Elite Card
1/10,000 Edition
Sovereign Card1/1,000
Sovereign Card
1/1,000 Edition
Fees & Rates
Annual Fee
$99
$0
$999
$4,999
Initiation Fee
$999
$4,999
$9,999
$49,500
Replacement Fee
Lost card replacement with expedited worldwide shipping
$49
$69
$79
$89
FX Rate
Foreign transaction rate
1%
0.5%
0.25%
No Fee
APR
0%
0%
0%
0%
Rewards
Annual Reward Rate
Percentage of average available credit
8%
9%
10%
11%
Max Account Holders
2
3
5
10
Karma Rewards
Karma Rewards is our point reward system that can be used to pay for almost anything. Stake your Karma or sell it to pay off your balance.
Food & Dining
2X
4X
3X
Retail Stores
2X
4X
Flights & Hotels
1X
3X
Every Purchase
1X
1X
1X
1X
Flights
3X
5X
Transit
3X
Hotels
5X
Travel Benefits
$200 Travel Rebate
Airport Lounge Access: Over 1,400 select airport lounges worldwide
$200 Travel Rebate
Airport Lounge Access: Over 1,400 select airport lounges worldwide
$200 Travel Rebate
Airport Lounge Access: Over 1,400 select airport lounges worldwide
$5,000 Travel Rebate
Airport Lounge Access: Over 1,400 select airport lounges worldwide
Lifestyle Benefits
Concierge Service: Sustainable, mindful experiences to elevate the body, mind, and soul
Exclusive Events: Access to curated experiences, including sold-out events
Borrow Against Any Asset: Borrow up to 50% of all the crypto in your Lux Wallet
Visa Card: Easy to use anywhere Visa is accepted
Self-Repaying Debt: What you spend gets repaid automatically as your crypto assets earn yield
Account Open for Life: Unlike traditional credit cards, you can never lose access to Lux Credit
Tax Advantage: Borrow against your crypto so you never have to sell it and pay capital gains
Ownership Transference: Memberships + Cards can be changed unlimitedly via NFT Transference
$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
Includes all Founder Card benefits
Higher Travel Credits: Travel credits and complimentary upgrades
Luxury Travel: Private Jet, Yacht Charter, and chauffeur services
VIP Experiences: Priority booking for exclusive concerts, shows, and sports events
Increased Security: Advanced security for transactions, travel, and security detail
Enhanced Hosting: Access to full-service promoters and event curators. Private chef, sommelier, and mixologist available with 24 hours notice
Openings: Get invited to be one of the first to see premiers or visit up-and-coming locations and venues
Credits: Over $1,000 in monthly credits toward wellness services, fitness classes, and personal trainers
Includes all Elite Card benefits
Global Property Access: Use of luxury properties around the world
Philanthropy Concierge: Elite services to manage charitable giving and events
Global Security: Trained military-level security detail available 24/7 in over 100 countries
Bespoke Experiences: Tailor-made experiences, from intimate private concerts to experiences in space
Best Staff and Support: Butler services on call in over 100 countries
Sovereign Lifestyle: Premium retreats and VIP access available only to Sovereign Card holders
Anti-Smudge: Your unique, 100% reflective, mirror-like card never shows smudges or fingerprints
Black CardUnlimited
Black Card
Unlimited Edition
Annual Fee$99
Initiation Fee$999
Replacement Fee$49
Annual Reward8%
FX Rate1%
Max Account Holders2
APR0%
Karma Rewards
2XFood & Dining
2XRetail Stores
1XFlights & Hotels
1XEvery Purchase
Founder Card1/20,000
Founder Card
1/20,000 Edition
Annual Fee$0
Initiation Fee$4,999
Replacement Fee$69
Annual Reward9%
FX Rate0.5%
Max Account Holders3
APR0%
Karma Rewards
4XFood & Dining
4XRetail Stores
3XFlights
1XEvery Purchase
Elite Card1/10,000
Elite Card
1/10,000 Edition
Annual Fee$999
Initiation Fee$9,999
Replacement Fee$79
Annual Reward10%
FX Rate0.25%
Max Account Holders5
APR0%
Karma Rewards
3XFlights & Hotels
3XTransit
3XFood & Dining
1XEvery Purchase