Luma onchain card
Build credit, earn onchain rewards, and choose what your cashback becomes.
Use Luma like a familiar card. Your rewards settle to a smart wallet on Robinhood Chain.
No crypto knowledge required. Gas is sponsored in this concept experience.
Onchain rewards
Pay anywhere your Luma card is accepted. Cashback moves into your Luma smart wallet, with a public confirmation on Robinhood Chain and none of the usual crypto friction.
Everyday spendBrooklyn Market · $92.10
USDC cashback
Luma Explorer
Transaction receiptIllustrative transaction data
Featured cards
More rewards. No annual fee.
Annual membership feeNo fees of any kind*
Cash backon everyday purchases1% – 1.5%
Variable APR28.24% – 30.24%1
Path to a credit limit increase2
A clear start with no annual fee.
Annual membership fee$0*
Cash backat select merchants1% – 10%
Variable APR28.24% – 33.24%1
Path to a credit limit increase2
Build momentum, one payment at a time.
Annual membership fee$59*
Cash backat select merchants1% – 10%
Variable APR28.24% – 33.24%1
Path to a credit limit increase2
*Rates, rewards, and terms on this concept page are illustrative only.
Eligible applicants can securely share bank data during the Luma application.
Sharing a real-time snapshot of savings and spending can show you’re ready for credit, regardless of your credit past.
Bank data increases the likelihood of receiving an offer if you would otherwise be declined on credit score alone.
App features
With Luma Lift, stay on track toward a credit line increase by making qualifying on-time payments. Terms apply.2
Luma LiftMake your next qualifying payment on time to complete this path.
Stay up to date on your credit score in the app.
Earn 1% – 10% cash back at select national merchants.3
Enjoy payment flexibility ⎯ pay in full or carry a balance.
Brooklyn Market$24.18 · Just now
Corner Coffee$6.40 · 9:12 AM
Luma paymentPayment received
Enable push notifications to see your transaction activity in real time.
Programmable rewards
Set a default route for every reward, then change it whenever your priorities do.
Investment and tokenized-asset availability would vary by jurisdiction. All routes shown are conceptual.
Luma Wallet0x46...8F2
Cash route
$18.42Cashback settles as USDC in your smart wallet, ready to hold or move.
Card + wallet
Your account is reported to the major bureaus so you can grow your credit score with responsible credit use.
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Every cashback settlement has a transparent receipt on Robinhood Chain.
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Your smart wallet is designed for simple recovery and the freedom to connect elsewhere.
Security by design
The blockchain stays in the background. You get familiar controls, clear confirmations, and ownership without exposing sensitive credit data.
Recovery, spending limits, and trusted-device controls designed around real people.
Luma handles network fees for routine reward activity in this concept flow.
Your score, debt balance, and identity never need to be published onchain.
Connect to compatible experiences without tying access to a brokerage account.
Easy to access and easy to navigate. Luma makes credit feel much less intimidating.
Making auto payments is so easy, and you earn cash back. And as you continue to grow and pay on time, you automatically get a bigger spending limit. I would recommend to anyone who has no credit or is trying to fix.
I really love the insights page that shows me my updated credit score and a breakdown of how I've spent my money by merchant and by category.
Concept notice. Luma is a fictional brand identity created for this front-end demonstration. This page does not accept applications, connect wallets, provide financial services, or collect personal information.
Robinhood Chain is referenced as a public, permissionless blockchain. This independent concept is not affiliated with, sponsored by, or endorsed by Robinhood Markets, Inc. or its affiliates.
All card terms, rates, rewards, balances, transaction hashes, blocks, testimonials, and eligibility language are illustrative. Nothing here constitutes an offer of credit, investment, or financial advice.