Luxe Signature Card review |

Luxe Signature Card review

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

Please note: This card has been discontinued, and it is not available on our site.

Compare similar credit cards and find the best option for you.

Compare other no annual fee credit cards

Name Product Annual Fee APR (Annual Percentage Rate) for Purchases
14.99% to 25.99% variable
Earn up to $250 back. Earn $150 back after you spend $1,000 or more in purchases with your new card within the first 3 months of Card Membership. Plus, earn an additional $100 back after you spend an additional $6,500 in purchases within your first 12 months. You will receive the cash back in the form of a statement credit. Rates & Fees
14.99% to 25.99% variable
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & Fees
14.99%, 18.99% or 24.99% variable
Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees.
13.99% variable
A low, variable APR on purchases, balance transfers and cash advances.
17.74% to 26.74% variable
Earn 10,000 Bonus Miles after spending $500 in purchases on your new card in your first 3 months of Card Membership. Rates & Fees
17.74% to 26.74% variable
Earn 75,000 Hilton Honors™ Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of Card Membership. Rates & Fees
11.99% to 21.99% variable
1% cash back to the nonprofits, K-12 schools, colleges and religious organizations of your choice.

Compare up to 4 providers

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 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.
  • 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.

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 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

Megan Horner

As the assistant publisher of credit cards at, Megan is passionate about helping you compare and find the best credit cards for your situation, whether that is earning great rewards or improving your credit score. In her previous position, Megan worked as an assigning editor at Credit Karma, where she focused on editing and publishing educational articles on credit cards. Megan started her career as a writer at a comparison website, so she has a longstanding background in surfacing the best deals and helping people make decisions. In her spare time, Megan likes to hike, camp, surf, and read.

Was this content helpful to you? No  Yes

US Credit Card Offers

Important Information*
Deserve® Classic Card
Deserve® Classic Card



Annual fee

0 For the first year
More info
Luxury Card Mastercard® Gold Card™
Luxury Card Mastercard® Gold Card™



Annual fee

995 For the first year
More info
First Access Visa Card®
First Access Visa Card®



Annual fee

75 For the first year
More info
Indigo® Platinum Mastercard® Credit Card
Indigo® Platinum Mastercard® Credit Card



Annual fee

75 For the first year
More info

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 Privacy and Cookies Policy and Terms of Use.

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.

    • finder Customer Care
      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.

    • finder Customer Care
      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?

    • finder Customer Care
      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?

    • finder Customer Care
      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

    • finder Customer Care
      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.


Go to site