A Credit Card That Treats You with Respect

Because Everyone Deserves a Second Chance to Get Credit

  • Manageable credit limits up to £1,500
  • Good for credit building* and no annual fee
  • Quick & easy application - get a response in 60 seconds
Apply Now

* Manage your Luma card sensibly, make payments on time and stay within your credit limit and you could improve your credit rating in time. However, failing to manage your card sensibly could harm your credit rating.

  • Accessible eligibility requirements:

    You could get a credit card even if you’re new to credit, have CCJs or other issues with your credit rating.

  • Online account management and mobile app:

    Access your account anywhere, anytime.

  • Add additional cardholders:

    Streamline your household’s finances and keep an eye on your overall expenditure. Remember, you are liable for all transactions on your account.

  • Easy to manage:

    Credit limits up to £1500.

  • Luma Rewards:

    Exclusive, limited time only offers help you keep money in your pocket.

  • No nasty surprises:

    No annual fee, no hidden charges.

  • Automated fraud alerts and free identity theft protection:

    Ensure that your account stays safe and that you have help when you need it most.

  • Guides to using cards responsibly:

    Improve your credit rating understand how to build your credit.

Apply Now

35.9% APR
Representative (variable)

Manage your account online

No matter where you are, no matter the time of day, it’s easy to keep track of your Luma account online. Managing your Luma credit card online is the easiest, most secure way to keep track of your finances. Once you register online as a Luma credit cardholder, you can:

35.9% APR
Representative (variable)

Apply Now

What Luma Customers are Saying

I was offered this card when no other company wanted to and the process was easy. customer service was very efficient and friendly. I am very impressed at this point. Keep it up!

Quick and easy application process with a fast response. Didn’t think I would get accepted but I did! Awaiting card any day now. Thank you.

It was hassle free and an opportunity to boost my credit rating*, which wasn’t very good, it also came at a time when access to credit was very useful for me.

† Service rating of 96% derived from 404 reviews. Accurate as of 14/10/2014.

Watch our information video for the Luma Card - the card that’s already accepted thousands of people around the UK

35.9% APR
Representative (variable)

Apply Now