Personal Cards

Premium cards for your lifestyle

Earn rewards on every purchase, enjoy exclusive perks, and take control of your personal finances with no foreign transaction fees.

Choose your card

From everyday essentials to premium rewards, find the card that matches your lifestyle.

Personal Gold

Personal Gold

Metal Card

Premium benefits for the discerning customer

Our most exclusive card with unparalleled benefits and rewards

VIP perks at:

Ritz Carlton
Mandarin Oriental
Fairmont

Welcome Offer

Membership Fees

$44.99/month

or $449.99/year (2 months free)

Benefits

  • 2XDining & Quick Service
  • 2XGroceries & Supermarkets
  • 2XOnline Shopping & Delivery
  • 2XStreaming & Entertainment
  • 2XRide, Mobility & Car Rental
  • Airport Lounge Access: Priority Pass + Airport Companion
  • Car Rental Insurance: Worldwide Coverage
  • Concierge Service: 24/7 Worldwide
  • Hotel Status: Visa Luxury Hotel Collection
  • Purchase Protection: Up to $5,000 · 180 Days
Personal Silver

Personal Silver

Matte Card

Elevated rewards for everyday spending

Perfect balance of premium features and value

Welcome Offer

Membership Fees

$6.99/month

or $69.99/year (2 months free)

Benefits

  • 1.5XDining & Quick Service
  • 1.5XGroceries & Supermarkets
  • 1.5XOnline Shopping & Delivery
  • 1.5XStreaming & Entertainment
  • 1.5XRide, Mobility & Car Rental
  • Airport Lounge Access: Visa Airport Companion
  • Car Rental Insurance: Worldwide Coverage
  • Concierge Service: 24/7 Worldwide
  • Hotel Status: Visa Luxury Hotel Collection
  • Purchase Protection: Up to $5,000 · 180 Days
Personal White

Personal White

Standard Card

Welcome Offer

Membership Fees

Free

Benefits

  • 1XDining & Quick Service
  • 1XGroceries & Supermarkets
  • 1XOnline Shopping & Delivery
  • 1XStreaming & Entertainment
  • 1XRide, Mobility & Car Rental
  • Airport Lounge Access: Visa Airport Companion
  • Car Rental Insurance: Worldwide Coverage
  • Concierge Service: 24/7 Worldwide
  • Hotel Status: Visa Luxury Hotel Collection
  • Purchase Protection: Up to $5,000 · 180 Days

VIP Perks

Exclusive access to world-class partners

Gold cardholders enjoy VIP treatment at the world's finest hotels, restaurants, and experiences through our concierge partnerships.

Ritz Carlton
Mandarin Oriental
Fairmont
Ritz Carlton
Mandarin Oriental
Fairmont
Ritz Carlton
Mandarin Oriental
Fairmont
Ritz Carlton
Mandarin Oriental
Fairmont
Travel in style with Limited Card
No Annual Fee on White Card

Live your life.
We handle the rest.

Your money.
Your way.

Track spending, set budgets, and earn rewards on every purchase—all from one beautiful app.

2X on Travel
Travel lifestyle

Gold Card Exclusive

Travel in style

1

Cashback on everything

Earn up to 2X points on every category with Gold, and 1.5X with Silver.

2

No foreign fees on Gold

Gold carries no foreign transaction fee. Compare every tier’s rate below.

3

Airport lounge access

Gold cardholders get lounge access through Priority Pass + Airport Companion.

4

Purchase protection

Purchases are protected against damage and theft — Up to $5,000 · 180 Days. Shop with confidence.

Spending Categories
6 categories
✈️

Travel

$5,000 limit

$2,340 spent

🍽️

Restaurants

$1,500 limit

$890 spent

💻

Software

$3,000 limit

$2,100 spent

Gas

$500 limit

$0 spent

BLOCKED
🛍️

Shopping

$2,000 limit

$1,650 spent

🎬

Entertainment

$800 limit

$0 spent

BLOCKED
4 active
2 blocked
Edit limits →

Smart budgeting tools

Set spending goals, track your expenses by category, and get insights to help you save more. Our app makes it easy to stay on top of your finances.

Live Transactions
Real-time
✈️
Delta Airlines$842.00
Travel·Just now
💻
Figma$45.00
Software·2m ago
🍽️
Uber Eats$32.50
Restaurants·5m ago
🛍️
Best Buy$1,299.00
Shopping·12m ago·Needs approval
24 approved
2 blocked
View all →

Advanced security features

Instant card lock, real-time transaction alerts, and virtual card numbers for online shopping. Your money is protected with bank-level security.

Rewards
This month

Available Points

51,600pts

Worth $516 in travel

Points earned by category

✈️
Travel
2X+2,450 pts
🍽️
Dining
2X+1,280 pts
🎬
Entertainment
2X+540 pts

Rewards that matter

Earn points on every purchase and redeem them for travel, cash back, gift cards, or experiences. No complicated categories, no caps.

Designed for your lifestyle

Whether you're traveling the world, dining out, or shopping online, our cards reward you for living your best life. Plus, enjoy exclusive access to events, experiences, and offers.

Feature Comparison

Click on any category to expand/collapse. Compare all features across our card offerings.

Feature Categories
Personal White
Limited

WHITE

Personal Gold
Limited

GOLD

Personal Silver
Limited

SILVER

Card Features5
Card MaterialStandard PlasticMetalMatte
Card DesignClassic WhitePremium Gold FinishBrushed Silver Finish
Contactless Payment
Virtual Cards2 FreeUnlimited5 Free
Card Replacement$25 FeeFree Express ShippingFree Standard Shipping
Rewards & Cashback4
Cashback on All Spend1%3%2%
Category Bonuses
Dining & Quick Service1X2X1.5X
Groceries & Supermarkets1X2X1.5X
Online Shopping & Delivery1X2X1.5X
Streaming & Entertainment1X2X1.5X
Ride, Mobility & Car Rental1X2X1.5X
Airlines, Travel & Hotels1X2X1.5X
Fashion & Apparel1X2X1.5X
Wellness & Fitness1X2X1.5X
Points Value$0.01 per point$0.01 per point$0.01 per point
Featured Offers5 featured5 featured5 featured
Travel Benefits2
Airport Lounge AccessVisa Airport CompanionPriority Pass + Airport CompanionVisa Airport Companion
Car Rental InsuranceWorldwide CoverageWorldwide CoverageWorldwide Coverage
Lifestyle Benefits5
Concierge Service24/7 Worldwide24/7 Worldwide24/7 Worldwide
Hotel StatusVisa Luxury Hotel CollectionVisa Luxury Hotel CollectionVisa Luxury Hotel Collection
Purchase ProtectionUp to $5,000 · 180 DaysUp to $5,000 · 180 DaysUp to $5,000 · 180 Days
Extended Warranty+1 Year (up to $5,000)+1 Year (up to $5,000)+1 Year (up to $5,000)
Price Protection$500/item · $2,000/yr$500/item · $2,000/yr$500/item · $2,000/yr
Account Features5
Authorized Users1 FreeUnlimited Free3 Free
Sub-accounts for Family
Spending ControlsBasicAdvancedBasic
Real-time Notifications
Expense ManagementFull SuiteCategories Only
Fees & Charges6
Annual FeeFree$449.99/yr or $44.99/mo$69.99/yr or $6.99/mo
Foreign Transaction Fee3%0%2%
APR18.99% - 25.99%14.99% - 21.99%16.99% - 23.99%
Cash Advance Fee5% Min $103% Min $103% Min $10
Late Payment FeeUp to $39Waived Once/YearUp to $39
Over Limit Fee$35No FeeNo Fee

Ready to choose your card?

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Join thousands of people already enjoying premium rewards and exclusive perks.

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Get a personalized demo from our team and discover how to streamline your financial operations.

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