Instant virtual card
Get approved and start spending in minutes. Your virtual card is ready before the physical one hits your mailbox.
No annual fee · Apply in 3 minutes
The credit card that works for you.
Earn up to 5% cashback, pay zero foreign fees, and design a card that looks like you. Banking, finally on your side.
- 0M+
- Cards issued
- 0%
- Max cashback
- $0
- Annual fee
- 0
- App Store rating
Aurum
Northbank
4921 •••• •••• 8317
Card holder
ALEX MORGAN
Valid thru
08/30
317
Authorized signature — not valid unless signed
Customer service
1-800-AURUM-00
Aurum
Trusted by
VaultlyNorthpeakLumen&CoMeridianCognitaBrightwireVaultlyNorthpeakLumen&CoMeridianCognitaBrightwire
Why Aurum
Everything a modern card should be
No fine print, no hidden fees. Just thoughtful features that make spending — and saving — effortless.
Bank-grade security
256-bit encryption, real-time fraud alerts, and one-tap freeze whenever you need peace of mind.
No foreign fees
Travel anywhere and pay the real exchange rate. Zero markup, zero surprises on your statement.
Rewards that stack
Earn on every swipe — groceries, travel, streaming. Redeem for cash, miles, or statement credit.
Smart insights
See where your money goes with automatic categories, monthly reports, and gentle spending nudges.
Design it your way
Six finishes, your name, your style. A card that looks as good as it feels to use.
Live card studio
Make it unmistakably yours
Type your name, choose a finish, and flip it over — a live preview of the exact card that lands in your mailbox.
Aurum
Northbank
4921 •••• •••• 8317
Card holder
YOUR NAME
Valid thru
08/30
317
Authorized signature — not valid unless signed
Customer service
1-800-AURUM-00
Aurum
Finish — Midnight
Drag the card to rotate · click to flip
Free to design. You only confirm once you love it — no commitment, no credit-score impact.
Rewards
Earn more on what you already buy
Tiered cashback that rewards the everyday. No rotating categories to track, no points that expire.
Dining & Groceries5%
Travel & Transit3%
Streaming & Online2%
Everything else1%
Cashback calculator
You spend about
$1,800/mo
$200$6,000
Estimated cashback / year
$594
Based on a typical spending mix across your reward tiers.
Typical spending mix
- Dining & Groceries30%
- Travel & Transit20%
- Streaming & Online15%
- Everything else35%
Aurum Miles
Turn everyday spending into travel
Every dollar earns miles that never expire. See where your spending could take you this year.
Your card
1.5× miles / $1
Monthly spend$1,800
$200$6,000
You'll earn about
32,400miles / yr
Miles never expire and transfer to 20+ airline partners.
Tap a destination for details. Estimates based on typical award pricing — actual miles required vary by route and date.
How it works
From application to first swipe
Three simple steps. No paperwork, no branch visits, no waiting weeks.
1
Apply in 3 minutes
Answer a few questions. A soft check means your credit score stays untouched.
2
Design your card
Pick a finish, add your name, and preview it live before you confirm.
3
Start earning
Add it to Apple Pay or Google Pay instantly and watch the cashback roll in.
Plans
Pick the card that fits your life
Upgrade or downgrade anytime. Every tier includes the essentials — the rest is up to you.
Aurum Core
Everything you need to start.
$0/yr
- Up to 2% cashback
- No annual fee
- Instant virtual card
- Real-time fraud alerts
Most popular
Aurum Plus
For everyday spenders who travel.
$95/yr
- Up to 5% cashback
- No foreign transaction fees
- Airport lounge day passes
- Extended purchase warranty
Aurum Metal
Premium metal, premium perks.
$295/yr
- Up to 5% cashback + bonus
- Unlimited lounge access
- 24/7 concierge
- Metal card & priority support
No foreign fees
Pay like a local, everywhere
Tap a destination to see what your money is really worth on Aurum — the real rate, zero markup.
Aurum
4921 •••• 8317
🇯🇵$100 USD
Japan
Tokyo · JPY
On Aurum
Real rate · 0% markup
¥15,230
Typical bank
~3% markup + $3 fee
¥14,773
You keep about ¥460 more on every $100.
Security first
Safe by design, not by accident
Bank-grade protection sits behind every swipe, so you can spend with total peace of mind.
256-bit encryption
Every transaction is encrypted end-to-end and monitored in real time.
Fraud protection
Suspicious activity is flagged instantly, and you're never liable for fraud.
One-tap freeze
Lost your card? Freeze and unfreeze it from the app in a single tap.
FDIC insured
Your money is protected up to $250,000 through our partner banks.
Loved by 2 million members
Real people, real savings. Here's what life with Aurum feels like.
“No foreign fees changed how I travel. I paid the real rate in Tokyo and Lisbon without thinking twice.”
Sofia Marino
Travel Writer
“Switched from my old bank and the cashback alone pays for my streaming subscriptions. The app is genuinely delightful.”
Maya Chen
Product Designer
“Customizing my card felt like ordering a pair of sneakers. It arrived in three days and everyone asks about it.”
Daniel Okafor
Freelance Developer
“No foreign fees changed how I travel. I paid the real rate in Tokyo and Lisbon without thinking twice.”
Sofia Marino
Freelance Developer
“No foreign fees changed how I travel. I paid the real rate in Tokyo and Lisbon without thinking twice.”
Sofia Marino
Travel Writer
“Switched from my old bank and the cashback alone pays for my streaming subscriptions. The app is genuinely delightful.”
Maya Chen
Product Designer
“Customizing my card felt like ordering a pair of sneakers. It arrived in three days and everyone asks about it.”
Daniel Okafor
Freelance Developer
“No foreign fees changed how I travel. I paid the real rate in Tokyo and Lisbon without thinking twice.”
Sofia Marino
Freelance Developer
Welcome gift
Scratch to unlock your bonus
New members get a little something extra. Give it a scratch — go on.
🎉
$150 cashback
when you spend $500 in your first 3 months
Bonus unlocked — apply now to claim it.
FAQ
Questions, answered
Everything you need to know before you apply.
Aurum Core is free forever. Plus and Metal carry a yearly fee, but most members earn it back in cashback within the first few months.
Still curious? Talk to our team — we reply within minutes.
Limited launch bonus
Get $150 cashback when you spend $500 in your first 3 months
Design your card, apply in minutes, and start earning today. No annual fee, no impact on your credit score to check.
No annual fee Soft credit check Instant virtual card