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Choose from a variety of categories and offers.

Our Most Popular Rewards Cards


Maximized rewards

Your dedicated banker can help you find the right personal credit card with benefits and rewards to fit your lifestyle. There are many cards to choose from, to ensure you get one that best fits your needs.

Options include several rewards and cash back offers.

Earn rewards for every day purchases.

Earn travel rewards for airlines and everyday expenses.

Earn cash rewards with up to 15% cash back.



1. Illuminus Infinite Rewards Card

Limitless Earning Potential—Unlock Infinite Possibilities.

  • 5X Points on travel, dining, and entertainment.
  • VIP Lounge Access at global airports.
  • Exclusive Event Invitations to concerts, sports, and luxury experiences.
  • Early Access to Luxury Deals with premium partners.

2. Illuminus Signature Cashback Card

Earn on Every Purchase—Instant Savings, Every Day!

  • 10% Cashback on grocery purchases.
  • 6% on dining & streaming services like Netflix, Spotify, and more.
  • No Annual Fee for First Year with introductory cashback bonuses.
  • Automatic Rebates on Utility Payments & Shopping.

3. Illuminus Travel Prestige Card

Elite Travel Benefits—Earning Rewards While You Explore the World.

  • Premium Flight & Hotel Upgrades using points.
  • Complimentary Travel Insurance for all purchases made with the card.
  • Priority Check-In & Airport Lounge Access worldwide.
  • Double Points for Every Travel Purchase.

4. Illuminus Green Rewards Card

Sustainable Spending—Rewarding Conscious Choices.

  • Extra Cashback for Eco-Friendly Purchases like EV charging stations and green retailers.
  • Carbon Offset Contributions with every transaction.
  • Discounts on Sustainable Brands through exclusive partnerships.
  • Exclusive Access to Renewable Energy Investment Opportunities.

5. Illuminus Elite Business Rewards Card

Smart Spending for Business Owners—Maximize Rewards on Every Expense.

  • Earn 3X Points on Office Supplies, Tech, and Advertising.
  • Customizable Spending Reports for detailed financial tracking.
  • Special Travel Perks for Corporate Flights and Hotel Stays.
  • Flexible Credit Limit for Expanding Businesses.

6. Illuminus Glow Lifestyle Card

Luxury, Entertainment & Shopping—Your Exclusive Lifestyle Companion.

  • VIP Access to Exclusive Events and entertainment.
  • Bonus Points on Designer Brands and high-end shopping.
  • No Foreign Transaction Fees for international luxury purchases.
  • Concierge Service for Personal Shopping & Exclusive Reservations.



Our Most Popular Business Cards



Illuminus Bank’s most popular business credit cards are designed to meet the diverse needs of entrepreneurs, executives, and companies seeking financial flexibility. Here’s a list of standout business cards along with their exclusive benefits:

1. Illuminus Platinum Business Card

Empowering Business Leaders with Premium Perks

  • High Spending Limits for corporate purchases.
  • Cashback on Business Essentials – Earn 5% cashback on office supplies, advertising, and utilities.
  • Expense Tracking Tools – Integrated with accounting software for streamlined financial management.
  • Travel Benefits – VIP airport lounge access and discounted airfare.

2. Illuminus Global Trade Card

Expand Your Business, Border-Free Transactions

  • Zero Foreign Transaction Fees – Perfect for international business dealings.
  • Preferred Exchange Rates – Competitive currency conversion rates for cross-border payments.
  • Trade Financing Perks – Access to exclusive trade credit programs.
  • Priority Support for International Transfers – Faster processing for high-value transactions.

3. Illuminus Start-Up Growth Card

Fuel Your Start-Up—Flexible Credit for Emerging Businesses

  • Low APR for New Businesses – Special introductory rates to ease startup cash flow.
  • Customizable Rewards – Choose between cashback, travel, or tech rewards.
  • No Annual Fees for the First Year – Perfect for growing businesses looking to minimize costs.
  • Early-Stage Funding Support – Connect with Illuminus Bank business growth specialists.

4. Illuminus Corporate Advantage Card

Streamline Corporate Spending and Maximize Efficiency

  • Automated Expense Tracking – AI-powered financial insights and reporting.
  • Employee Card Management – Issue multiple cards for teams with controlled limits.
  • Supplier & Vendor Discounts – Preferred pricing at partner merchants.
  • Exclusive Corporate Concierge – Business travel bookings and VIP executive services.

5. Illuminus Green Business Card

Eco-Conscious Spending for Sustainable Growth

  • Rewards for Sustainable Purchases – Extra cashback on green products and services.
  • Carbon Offset Program – Every transaction contributes to an environmental initiative.
  • Discounts on Renewable Energy Solutions – Partnered incentives for businesses going green.
  • Priority Access to Eco-Friendly Investments – Exclusive financing options for sustainability-focused ventures.



Our Most Popular Travel Cards




1. Illuminus Luxe Travel Card

Where Luxury Meets Travel—Exclusive Perks for Jetsetters.

  • VIP Lounge Access: Complimentary entry to premium airport lounges worldwide.
  • Hotel & Flight Upgrades: Priority booking for luxury accommodations and flight seat upgrades.
  • Enhanced Travel Insurance: Coverage for trip delays, cancellations, and lost luggage.
  • Concierge Services: 24/7 travel assistance, reservations, and itinerary planning.

2. Illuminus Explorer Card

Adventure Made Seamless—Travel Without Boundaries.

  • Zero Foreign Transaction Fees: Spend internationally with ease.
  • Discounted Car Rentals & Travel Services: Preferred rates on global rentals.
  • Bonus Miles on Flights & Hotels: Earn extra rewards for every travel-related purchase.
  • Emergency Assistance: Immediate support for lost passports, medical needs, or travel disruptions.

3. Illuminus Global Access Card

Your Passport to Smooth International Transactions.

  • Preferred Currency Exchange Rates: Competitive foreign exchange for global spending.
  • Priority Immigration Services: Exclusive access to expedited security lanes at select airports.
  • Travel Cashback: Earn cashback on hotels, airline tickets, and dining abroad.
  • Multi-Currency Wallet Feature: Store and pay in multiple currencies without conversion fees.

Illuminus Green Travel Card

Sustainable Journeys—Travel Responsibly, Earn Rewards.

  • Eco-Friendly Travel Incentives: Bonus points for booking sustainable hotels & green transportation.
  • Carbon Offset Contributions: Each purchase contributes to environmental conservation programs.
  • Exclusive Discounts on Electric Rentals: Save on EV rentals during your trips.
  • Priority Access to Nature Reserves & Eco-Tours: Exclusive offers on sustainable tourism experiences.

5. Illuminus Prestige Business Travel Card

Seamless Corporate Travel—Maximize Efficiency on the Move.

  • High Spending Limits for Executives: Tailored for corporate travel expenses.
  • Exclusive Business-Class Flight Discounts: Preferred rates on premium airfare.
  • Automated Expense Tracking: Integrated accounting software compatibility.
  • VIP Business Lounge Privileges: Access to executive lounges at major airports worldwide.

Additional Travel Card Perks Across All Illuminus Cards

✅ Early Boarding & Priority Check-In – Skip long lines at airports.
✅ Fraud Protection & Secure Transactions – Industry-leading security for worry-free travel.
✅ Mobile App Travel Companion – Real-time updates, alerts, and expense tracking.

Promotional Offer for New Applicants

Apply for an Illuminus Travel Card Today & Earn a Welcome Bonus of Up to 100,000 Points!
 Limited-Time Zero Annual Fee for First Year for select travel cards.



Credit Cards for students



Illuminus Bank credit cards for students are designed to help students build credit and assist in establishing good credit habits that can be used to create a foundation for a successful financial future. From travel and cash rewards to a lower interest rate, we have credit cards for students with a variety of features. Learn more with our comparison tool and apply online for a Illuminus credit card for students today.

Illuminus Bank’s student credit cards are tailored to empower young adults with financial independence, offering flexibility, rewards, and tools to build credit responsibly. Here’s a list of the most popular student cards and what they provide:

1. Illuminus SmartStart Card

🎓The First Step Toward Financial Independence.

  • Low Spending Limits: Perfect for students learning to manage their finances.
  • Credit Building Features: Monthly reporting to help establish a positive credit history.
  • Bonus Cashback: Earn 10% cashback on groceries, dining, and streaming services.
  • Zero Annual Fee: Budget-friendly for students.

2. Illuminus StudyRewards Card

📚 Earn While You Learn—Student-Friendly Rewards Program.

  • Reward Points: Earn 5X points on textbook purchases and school supplies.
  • Discounted Travel: Redeem points for discounted airfare and hotel stays.
  • Zero Foreign Transaction Fees: Ideal for study-abroad programs.
  • Introductory Bonus: Get 5,000 points after your first purchase.

3. Illuminus FutureFund Card

💡 Designed for Big Goals and Bigger Dreams.

  • Flexible Payments: Choose payment plans to fit your monthly budget.
  • Savings Boost: Round up every purchase to the nearest dollar and deposit the difference into a savings fund.
  • Extra Perks: Unlock exclusive scholarships and internship opportunities through Illuminus Bank partnerships.
  • Cashback on Education: Earn 5% cashback on tuition payments made with the card.

4. Illuminus EcoStudent Card

🌿 Sustainable Spending for Conscious Consumers.

  • Green Rewards: Earn bonus points for eco-friendly purchases like sustainable clothing and EV rentals.
  • Carbon Offset Program: Contribute to environmental initiatives with every transaction.
  • Exclusive Discounts: Save on eco-friendly brands and sustainable travel options.
  • No Annual Fee: A smart choice for the environmentally conscious student.

5. Illuminus TravelEdge Student Card

✈️ Explore the World with Confidence.

  • Global Benefits: Access free travel insurance for study-abroad trips.
  • Double Points: Earn 2X points on travel-related expenses.
  • Lounge Access: Complimentary entry to select airport lounges for international students.
  • Introductory Rate: Enjoy 0% APR for the first 12 months.

Additional Perks Across All Student Cards

✅ Fraud Protection: Advanced security features for worry-free spending.
✅ Mobile App Tracking: Manage your card, payments, and rewards directly from the Illuminus Bank App.
✅ Support Services: Financial literacy resources and 24/7 customer support.



  • 10% cash back in the category of your choice, automatic 15% cash back at grocery stores and wholesale clubs (on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter) and unlimited 5% cash back on all other purchases. Choose which category you want to earn 10% cash back in: gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement and furnishings To change your choice category for future purchases, you must go to Online Banking, or use the Mobile Banking app. You can change it once each calendar month, or make no change and it stays the same.

  • Online $500 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening

  • When handled responsibly, a credit card can help you build your credit history, which could be helpful when looking for an apartment, a car loan, and even a job. Access your FICO® Score for free within Online Banking or your Mobile Banking app.

  • 0% Intro APR for your first 15 billing cycles for purchases, and for any balance transfers made within the first 60 days of opening your account. After the intro APR offer ends, a Variable APR that's currently 14.24% to 20.24% will apply. 5% Intro balance transfer fee for the first 60 days your account is open. After the intro balance transfer fee offer ends, the fee for all future balance transfers is 4%


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Banking, credit card, automobile loans, mortgage and home equity products are provided by Illuminus Bank, N.A. and affiliated banks, Members FDIC and wholly owned subsidiaries of Illuminus Bank. Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice.