Madeen encyclopedia

Luminary

Luminary is a protection benefit on 15 cards in the Madeen catalog. Luminary appears on 30 cards in the Madeen catalog. Issuer terms define eligibility, caps, and exclu. Issuer terms control eligibility, caps, and exclusions; Madeen summarizes catalog data for comparison only.

What is Luminary?

Luminary appears on 30 cards in the Madeen catalog. Issuer terms define eligibility, caps, and exclusions. Issuer terms control eligibility, caps, and exclusions; Madeen summarizes catalog data for comparison only. Issuer terms control eligibility, caps, and exclusions; Madeen summarizes catalog data for comparison only.

Which cards include Luminary?

15 catalog cards match Luminary by title or taxonomy. Table ranks by Madeen effective rate in the strongest spend category. Issuer terms control eligibility, caps, and exclusions; Madeen summarizes catalog data for comparison only. Issuer terms control eligibility, caps, and exclusions; Madeen summarizes catalog data for comparison only.

Is Luminary worth it?

Weigh Luminary against annual fees on related cards. A perk matters only if you would use it and the fee is offset by spend or credits. Issuer terms control eligibility, caps, and exclusions; Madeen summarizes catalog data for comparison only.

Ranked by Madeen effective rate in each card's strongest category. Issuer terms control current offers.

Card Issuer Top category Effective rate Annual fee
Sam's Club Business Mastercard Synchrony Bank Gas 5% $0
Huntington Voice Business Huntington Dining 4% $0
Hawaiian Airlines World Elite Business Mastercard Barclays Dining 3.6% $99
GM Business™ Mastercard Barclays Dining 3% $0
BMO Business Platinum Rewards BMO Gas 3% $0
Business Advantage Customized Cash Rewards Bank of America Gas 3% $0
Capital Credit Union Mastercard Business Cash Preferred Capital Credit Union Dining 3% $0
Citi / Aadvantage Business™ World Elite Mastercard Citi Gas 3% $99
Community 1st Credit Union Mastercard Business Cash Preferred Community 1st Credit Union Dining 3% $0
Farmers National Bank Mastercard Business Cash Preferred Farmers National Bank Dining 3% $0
First Interstate Bank Mastercard Business Cash Preferred First Interstate Bank Dining 3% $0
First Merchants Bank Mastercard Business Cash Preferred First Merchants Bank Dining 3% $0
First National Bank Texas Mastercard Business Cash Preferred First National Bank Texas Dining 3% $0
Fort Hood National Bank Mastercard Business Cash Preferred Fort Hood National Bank Dining 3% $0
Greater Nevada Credit Union Mastercard Business Cash Preferred Greater Nevada Credit Union Dining 3% $0

Frequently asked questions

What is Luminary on a credit card?
Luminary appears on 30 cards in the Madeen catalog. Issuer terms define eligibility, caps, and exclusions. Issuer terms control eligibility, caps, and exclusions; Madeen summarizes catalog data for comparison only. Issuer terms control eligibility, caps, and exclusions; Madeen summarizes catalog data for comparison only.
How many cards include Luminary?
Madeen lists 15 cards with Luminary or a matching benefit title in our catalog snapshot. Issuer terms control eligibility, caps, and exclusions; Madeen summarizes catalog data for comparison only. Issuer terms control eligibility, caps, and exclusions; Madeen summarizes catalog data for comparison only.
Does Madeen guarantee approval or bonus eligibility?
No. Madeen summarizes public catalog and issuer information for education. Approval, offers, and benefit enrollment are controlled by issuers and can change. Issuer terms control eligibility, caps, and exclusions; Madeen summarizes catalog data for comparison only. Issuer terms control eligibility, caps, and exclusions; Madeen summarizes catalog data for comparison only.

Madeen analysis. Data from catalog snapshot 2026-06-01. Last reviewed 2026-06-01. Reviewed by Madeen editorial review. Issuer pages control rewards, fees, benefits, and eligibility.

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