Cards & payments
The right card for how you spend—and how you want to be protected
Lumora Financial offers debit cards linked to your checking account and a range of credit cards for everyday spending, travel, students, and small business.
Every card includes chip and contactless technology, 24/7 fraud monitoring, and instant lock/unlock from our mobile app.
Why cardholders choose us
Modern life demands cards that work everywhere—from grocery runs and fuel to subscriptions, international hotels, and supplier payments for your business. We invest in real-time authorization systems, dispute resolution when something goes wrong, and education so you understand interest, grace periods, and how to avoid fees. Debit pulls directly from your balance; credit gives you a line to repay on your statement date. Used responsibly, credit cards can help you build history that supports future borrowing for a home or vehicle.
Business clients can separate company spend from personal accounts, issue cards to trusted employees with individual limits, and export transactions for accounting. Personal clients can set spending alerts, round-up savings where available, and add cards to Apple Pay, Google Pay, or Samsung Pay for secure tap payments. Lost your physical card? Freeze it in seconds while you search your bag—we can issue a replacement when you are ready.
Fraud monitoring
We watch for unusual patterns and may text or call you to verify high-risk transactions.
Zero-liability
You are not held responsible for unauthorized charges when you report them promptly.
App controls
Lock/unlock, view PIN, dispute charges, and set travel notices from your phone.
Global network
Use your card where major networks are accepted; foreign transaction fees may apply by product.
Credit card lineup
Cashback Everyday
Ideal for groceries, gas, and daily spend. Tiered or flat cashback depending on category; no annual fee on select tiers.
- Category bonuses
- No annual fee (select products)
- Mobile app rewards tracker
See current APR & terms
Check eligibilityTravel & Premium
Elevated rewards on travel and dining, plus benefits such as lounge access or travel credits on eligible products.
- Higher earn on travel
- Global acceptance
- Concierge on select cards
Annual fee may apply
Check eligibilityBusiness Rewards
Track employee cards, itemize expenses, and earn on office supply, telecom, and advertising where eligible.
- Employee cards
- Expense tools
- Higher limits for qualified businesses
Business credit review
Check eligibilityStudent / First card
Designed to help you establish credit with conservative limits and educational resources.
- Credit-building focus
- Responsible use tips
- No or low annual fee
Co-applicant may be required
Check eligibilitySecured credit
Deposit-backed line to demonstrate payment history; may graduate to unsecured over time with good standing.
- Refundable deposit
- Reporting to bureaus
- Path to upgrade
Min. security deposit applies
Check eligibilityDebit & ATM access
Your debit card is included with eligible checking accounts. Use it for purchases worldwide, withdraw cash at ATMs in our network often without a fee, and get cash back at many merchants. Daily withdrawal and purchase limits help protect you; you can request temporary increases for travel when needed. Contactless and mobile wallet support mean you rarely need to hand your card to a terminal.
Overdraft options vary by account type and region. We encourage linking a savings account or line of credit for backup funding where available, and we send low-balance alerts if you opt in—see our alerts page.
Fees, interest & disclosures
Credit card agreements list APR for purchases, balance transfers, and cash advances; penalty APR if you miss payments; late fees; and foreign transaction fees if applicable. Paying your statement balance in full each month avoids purchase interest on most cards. Promotional 0% APR offers have end dates—plan payoff before standard rates apply.
Lumora Financial complies with applicable consumer credit laws. For the official Schumer box and agreement, review the application materials for the specific product you select.
Frequently asked questions
Compare cards with a specialist
We’ll help you match rewards, fees, and benefits to your goals.