Is the Luxe Signature Card worth it?

Review: Luxe Signature Card

This card is no longer offered.

A credit card designed for those who buy at and want to pay 0% interest

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The Luxe Signature Card is designed for people with bad or no credit, and is used to make purchases on To purchase an item, all you have to do is make a down payment on the item, pay the shipping charge and take care of the first month’s payment. After purchasing an item, cardholders have five months to pay off the remaining balance. The Luxe Signature Card has a maximum credit limit of $1,500.

Product NameLuxe Signature Card
APR for Purchases ( Purchase Rate )0%
Annual fee$0
Card TypeVisa
Minimum Credit ScorePoor (Below 660)
Minimum Age18 years of age
Max credit limit
This credit limit may not be issued to you immediately on application. This is the maximum credit limit for this card which must be applied for or offered to you after you are approved and have already opened the account.
Annual fee$0
Late Payment Feevaries by state

Luxe Signature Card 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 0% interest rate and minimal fees.

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.
  • 0% interest. Cardholders can enjoy 0% 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.
  • No annual fee. The Luxe Signature card does not require an annual fee. Instead, it charges monthly membership fees.

The nuts and bolts

  • Limited use. The Luxe Signature Card is not a Visa or credit card. Additionally, it can only be used to pay for items on Once you make your first purchase online, the credit account will be reported to a major credit bureau as an unsecured line. To purchase an item, you must pay the down payment, the first month’s payment and the shipping cost. Purchases can be divided into a five month period. If you purchase multiple items, charges will be combined into one bundled total.
  • High-end items. Cardholders can use the card to purchase high-end items on, and pay off those items quickly. The store offers a variety of items, including: electronics, jewelry, clothes and other goods.
  • Membership fee. Cardholders are required to pay a monthly membership fee of $20. The monthly membership fee keeps the credit line open. The $20 fee is due as soon as the account is approved. The monthly membership fee is separate from monthly payments that result from item purchases.
  • Late fees. For late payments, cardholders are charged a late fee that varies by state.
  • Activation fee. To active the card, consumers can expect a $20 charge.
  • Credit limit. The card has a $1,500 credit limit.
  • Major bureau. The Luxe Signature Card reports to a major bureau.
  • Active card required. To qualify for a Luxe Signature Card, applicants must have an active credit or debit card established in their name.
  • Online application. The card application is fast and online. The application requires personal information for identification purposes, and acceptance is immediate.

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

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 0% 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.

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10 Responses

  1. Default Gravatar
    MelOctober 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.

    • Staff
      RenchOctober 19, 2017Staff

      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 are looking for a credit card and you have a bad credit, you can also have a look on this page and compare your options.

      You may click the name of your preferred account/card/insurance to know more details and you may click the green “Go to site” button to submit an online application through their official site.

  2. Default Gravatar
    AmySeptember 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.

    • Staff
      MariaSeptember 22, 2017Staff

      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
    JtpAugust 6, 2017

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

    • Staff
      HaroldAugust 6, 2017Staff

      Hi Jtp 011,

      Thank you for your inquiry.

      Many pieces make up your credit score, here’s how you can work to improve it.

      I hope this information has helped.


  4. Default Gravatar
    QJuly 19, 2017

    Can I get cash back?

    • Staff
      AshAugust 1, 2017Staff

      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
    JasonJune 15, 2017

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

    • Staff
      MayJune 15, 2017Staff

      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.


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