Neon Money Club is a technology company, not a bank - so how were we able to create the Cream Card? We knew that we wanted to deliver a premium product on a secure network that had trust built into its core. So when we went looking for partners, Evolve Bank & Trust and the American Express Network were the obvious choice.

How Our 3-Part Relationship Works

  • Neon Money Club

    Neon Money Club designed the Cream Card and the program that powers it. You will manage all of your account functions in our app (e.g., view transactions, paying your balance, redeem rewards, etc.) and you should contact Neon with all questions, concerns or improvement suggestions. We are your main point of contact.

  • Evolve

    Evolve is what’s called an “Issuing Bank.” Meaning that it is Neon’s partner bank that enables the Cream Card to be issued. It is important that we partner with a trusted, regulated Bank - and it’s the rules. Evolve is a member of the FDIC.

  • American Express Network

    American Express is the network partner in the relationship. They make sure that you can make your purchases with confidence globally wherever American Express Cards are accepted and provide the valuable card benefits, offers and access that you can expect from American Express

Neon Money Club is a technology company, not a bank. Credit is issued by Evolve Bank & Trust (Member FDIC), pursuant to a license from American Express. The Cream Card can be used everywhere American Express is accepted. All American Express logos are the property of American Express, all rights reserved.

American Express is a registered trademark of American Express.