Finder makes money from featured partners, but editorial opinions are our own. Advertiser Disclosure

Luxe Signature Card review

Discontinued product

This card has been discontinued, and it is not available on our site. Compare other credit cards or take Finder's credit card quiz to find one that fits your needs.
No reviews yet. Write a review

The perks

  • Designed for bad credit. This card is catered to people with bad credit or no credit, and allows consumers to purchase the items they need. The card does not require a credit or employment check.
  • interest. Cardholders can enjoy interest on any and all purchases from
  • Guaranteed approval. Applicants are guaranteed approval if they are a U.S. citizen or resident, at least 18 years old, have a valid debit or credit card and can pay the required fees.
  • Product discount. Cardholders who pay the activation and membership fee receive a 25% discount on most items for purchase on Some electronic items on require the first monthly payment to be made before the item can ship.
  • $0 annual fee. The Luxe Signature Card does not require an annual fee. Instead, it charges monthly membership fees.

How to apply for the Luxe Signature Card

Always consider your options and your financial situation before you apply for a credit card.

Eligibility criteria:

  • Must be at least 18-years-old
  • Must be a U.S. citizen or resident

Required documents & information:

  • Name and residential address
  • Email address and phone number
  • Whether or not applicants have an active checking account

Compare other store cards

1 - 3 of 3
Name Product Annual fee Purchase APR Minimum Credit Score
Merit Platinum
Apply with no credit or bad credit, for use on the Horizon Outlet website.
Net First Platinum
Up to $299.40
Build your credit history with an unsecured line of credit.
Group One Platinum Credit Card

Compare up to 4 providers

Bottom line

If you are looking for a way to buy high-end items without going into debt for a long time, the Luxe Signature Card is a helpful solution. It charges interest, and gives cardholders a 25% discount on items. Before going with the Luxe Signature Card, make sure to check out other cards similar to it.

Back to top

Review by

Megan Horner is the banking and credit cards Group Publisher at Finder. She's passionate about helping you find the best credit cards and bank accounts to meet your financial needs — whether that's earning great rewards or improving your credit score. Megan's expertise has been spotlighted on Lifehacker,, American Banker and featured on news broadcasts across the country. Before working at Finder, Megan worked at Credit Karma and QuinStreet.

Expert review

If you make frequent purchases on, the Luxe Signature Card may be a helpful resource. People who sign up for the Luxe Signature Card and pay all of the required membership fees receive 25% off all purchases. To be eligible, all applicants must be at least 18-years-old and a U.S. citizen or resident. Beyond these requirements, eligibility terms are flexible. The application does not conduct a credit or employment check, and all applicants are approved. The card has a interest rate and minimal fees.

Ask an expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use and Privacy and Cookies Policy.


  1. Default Gravatar
    October 19, 2017

    I think the $20 fee is bull. You charge a maintenance fee, and then claim to accept all credit with no problem. Sorry, not buying it. Because if someone can’t afford the $20 you would close their account. That doesn’t sound helpful to me. So no way would I ever apply for your card.

    • Avatarfinder Customer Care
      October 19, 2017

      Hi Mel,

      Thank you for your feedback. Please note that we are not affiliated with Luxe Signature or any company we feature on our site and so we can only offer you general advice.

      If you have bad credit, you can compare credit cards for bad credit and see if you may get approval for any one of them. Use the “Apply now” or “Go to Site” button to get started with your online application.


  2. Default Gravatar
    September 22, 2017

    I got a notification that I could be guaranteed approval for one of your cards, but I don’t want to apply and have you run my credit then get denied. Running your credit can affect your credit.

    • Avatarfinder Customer Care
      September 22, 2017

      Hi Amy,

      As finder is a financial comparison website providing general information, we do not represent any of the companies that we feature on our pages.

      It would be best to reach out to the card issuer or email sender to let them know of your concern.

      Also, you may want to check out this page on Credit Score.


  3. Default Gravatar
    August 6, 2017

    Will this card help me build credit? Will it show in my credit bureaus?

  4. Default Gravatar
    July 19, 2017

    Can I get cash back?

    • Default Gravatar
      August 1, 2017

      Hi Q,

      Thank you for reaching out to us.

      Please be advised that Luxe Signature Card is not to be used as a credit card and can only be accepted to make purchases to Thus, it does not have a cash back reward. For more information on how you can earn cash rewards for every purchase you make using a credit card, you may refer to this link –

      Did you know that once the Luxe Signature Card is activated and you have paid all the necessary membership fee, you will receive 25% discount on all your purchases? So this is the offer they have at the moment. Moreover, this offer will suit you best if you are a frequent shopper as you will definitely have big savings every time. You can click the ‘Go to site’ button to be redirected to their site.

      I hope this information helps.

      Let us know if there is anything else that we may assist you with.


  5. Default Gravatar
    June 15, 2017

    Can use this card else where or just at this one spot

    • Avatarfinder Customer Care
      June 15, 2017

      Hi Jason,

      Thanks for your question.

      The Luxe Signature Card can only be used to pay for items on and it is not a visa or a credit card. With this card, you can get a 25% discount on items. You can find more about the benefits and features of this card by checking its review above. If you are interested in getting one, please click on the green ‘Go to site’ button above.


Go to site