INTRODUCING The Neon Money Club™ Cream American Express® Card
Spend + Invest At The Same Time
Earn Investment Rewards Points™ On All Your Spend With The Cream Card™
Cardholders have Good to Excellent credit scores
WELCOME BONUS: Own a piece of an S&P 500 ETF upon Card activation. Learn more below.
THE CLUB FEATURED IN
A New Class Of Points
Earn Investment Rewards™ on all spend with the Cream Card. These points can be used to invest in the Stock Market.
Built-In Investing
This card comes with a personal investment account. Simple design and performance backed by 67 years of data.
Power of American Express
Today’s tastemakers now have a brand new card on the Amex Network. Get benefits like ticket pre-sale and more. See details.
TREAT YOURSELF, BUT ALSO INVEST IN YOURSELF
Who said you can’t have your cake and eat it, too? With The Cream Card, you can buy what you love, invest your points in the Stock Market and we’ll match those points.
Materials: 14g of metal, dipped in cream for a premium matte finish.
HOW IT WORKS
Step 1: Use The Cream Card™ to Spend on Whatever You Like
Step 2: Earn 3X Investment Rewards™ Points on All Your Spend*
Step 3: Convert Your Investment Rewards™ Points to Invest in Stocks at Neon Money Club
*You still earn 1.5x points if they aren’t converted to invest. See rewards disclosure.
THIS CARD GIVES YOU MORE THAN POINTS
You can choose to convert your Investment Rewards™ Points to invest in the Neon Money Club Investment Account backed by curated ETFs that follow the S&P 500, which has historically returned > 10% per year*.
*Past performance does not guarantee future results
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The Neon Money Club Investment Account is backed by a curated collection of ETFs (Exchange-Traded Funds) that follow the S&P 500 Index - a collection of 500 of the largest companies in the United States. ETFs are like a basket of stocks that you can buy or sell. The benefit is that they offer diversification and flexibility compared to buying individual stocks, giving you exposure to a variety of investments in one go.
SERVING UP MORE THAN THE COMPETITION
We’re different from traditional credit cards. The Cream Card™ comes with PointsMatch™ technology where you can convert points to invest in the Stock Market and we’ll match it.
FAQs
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No. You can apply for the card without any impact to your credit score. The soft credit check will NOT result in an initial impact to the Applicant’s credit bureau report. A hard credit inquiry will appear on the applicant’s credit bureau report only at the time the Applicant accepts their pre-ordered Card.
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The Cream Card is built for people who want to invest in themselves. You earn points for buying the things you love, which you can then convert to invest in the Stock Market at Neon Money Club. We match the value of the points you invest.
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(1) Protection on the Amex Network, which has the lowest fraud rates in the payments industry (based on the Feb 2023 Nilson Report)
(2) American Express can be accepted at 99% of places in the US that accept credit cards (based on the Feb 2023 Nilson Report)
(3) Earn 3X Investment Rewards™ Points on all spend when you convert your points to invest a. Neon Money Club (Earn 1.5X points when you don’t invest them).
(4) Earn individual bonus points, monthly with your friends.
(5) Get your vacation back with up to 30% off on select hotels through Booking.com. Learn more here.
(6) Get up to 15% off standard rates and an upgrade voucher with Avis. Learn more here.
(7) No foreign transaction fees.
(8) Get early access to purchase tickets for concerts, theater, sports and more, all year round. Learn more here.
(09) Amex Offers: Make everyday purchases more rewarding with Amex Offers. Learn more here.
(10) Retail Protection Coverage on eligible items that are damaged or stolen within 90 days of purchase*.
(11) Return Protection Coverage on eligible items being returned within 90 days of purchase*.
*Certain exclusions, restrictions, and limitations apply. Please refer to the Terms and Conditions for full details.
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Neon Money Club is the exclusive home of the Cream Card. We design financial products to make finance relevant for the next generation of people creating their own opportunities. You can read more about Neon Money Club in the American Express Newsroom.
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It’s easy. You can use our the PointsMatch™ technology in the app to convert your points to invest in the Stock Market at Neon Money Club. We’ll match the value of each point you convert.
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You can use The Cream Card wherever American Express® is accepted. American Express is accepted at 99% of places in the US that accept credit cards.*
*Based on the Feb 2023 Nilson Report
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Yes. For $128, you get a premium designed metal card, packed with perks and backed by the security and benefits of the Amex® network.
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The Cream Card is built to invest in you. Whether through benefits or our signature PointsMatch™ technology, this card is designed to let you treat yourself, but invest in yourself at the same time.
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You should have received an email from us confirming your pre-order. Lookout for another email soon where we will invite you to accept your card for shipping.
TERMS: Reservations for the Neon Money Club Cream American Express Card (“Cream Card”) are made available to you by Neon Money, Inc. d.b.a. Neon Money Club (“Neon Money Club” or “Neon”). In order to successfully reserve, Applicants will need to qualify for the Cream Card by submitting information to be used for identity verification and a soft credit check. The soft credit check will NOT result in an initial impact to the Applicant’s credit bureau report. A hard credit inquiry will appear on the applicant’s credit bureau report only at the time the Applicant accepts their pre-ordered Card. Applicants must be at least eighteen (18) years of age to qualify. Applicants who are approved to pre-order, will be notified at the time of approval and again when the Card is ready to be accepted and shipped. Upon receiving the Cream Card, we expect customers to enjoy benefits such as Amex Offers, Presale Ticket Access and Global Dining Benefits, while receiving rewards points on all purchases.
ATTENTION: NEON RESERVES THE RIGHT TO CANCEL A RESERVATION AND/OR REFUSE TO APPROVE YOU FOR THE CREAM CARD IN NEON’S SOLE DISCRETION.
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.
¹ The Neon Money Club Cream American Express Card earns 1.5X on every dollar spent. Points can be redeemed instantly as a statement credit only after paying your monthly bill. However, the value of your points will double when you redeem to buy stocks at Neon Money Club.
² Members can invite up to 5 friends to join their group. Each individual member will earn up to 800 bonus points (+200 bonus points for every member added to the group) after paying their bill each month. Each additional group member will need to qualify for the Card. Members are limited to one group and cannot form or be part of multiple groups.