Luma
Luma is a credit card provider based in Nottingham. Luma's credit card is designed for those with poor credit.
Luma is owned by Capital One, who also have their own credit cards.
Luma was launched in 2016 and is based in Nottingham.
We don't currently rate Luma in our Customer Experience Ratings.
Credit cards
Credit builder credit cards
| Representative APR i | 35.9% |
|---|---|
| Representative cash transaction interest rate i | 2.59% |
| Representative purchase rate i | 2.59% |
| Risk based? i | |
| Initial minimum credit limit i | £200.00 |
| Statement Due Date Change Fee i | £0.00 |
| Representative balance transfer rate i | 2.59% |
Foreign use credit cards
Luma
Credit Card
| Foreign purchase fee i | 2.75% |
|---|---|
| Foreign withdrawal fee i | 3% |
| Representative APR i | 35.9% |
| Number of days before interest is charged on non-sterling cash transactions i | 0 days |
| Risk based? i | |
| Representative purchase rate i | 2.59% |
Money transfer credit cards
Luma
Credit Card
| Money transfer rate during promotional period i | |
|---|---|
| Duration of money transfer offer period i | |
| Money transfer fee during promotional period i | |
| Representative APR i | 35.9% |
| Risk based? i | |
| Representative cash transaction interest rate i | 2.59% |