Membership

Two cards. One program.

On Card is the card you carry every day. On Card Diamond is the card you carry when you have earned it. The same wordmark system and brass detail tie them together. Your school sits in the top right of each.

The everyday card

Every Swipe. Always On.

The card you carry every day. Groceries, gas, the wing spot, Restaurants, the barbershop.

Best for you if...: you want your daily swipes to work twice as hard—maximizing cash back on everyday purchases while automatically channeling your everyday spend contribution back into your institution.
Annual fee: No annual fee
School impact: Your everyday spend contribution
Benefits: Supercharge Your Every Day Spend
Affiliated Community Boost
Merchant Cash Back Network
Everyday Dining Cash Back
Instant Payment-Rail Rewards
Stackable Savings Engine
Digital Wallet Earning
Always in Your Corner
Financial Intelligence
Zero Liability Fraud Protection
Auto Rental Collision Damage Waiver
Roadside Dispatch
24/7 Emergency Card Services
Zero-Touch POS Security
Open Doors
Exclusive Merchant Flash Events
Algorithmic Shopping Boosts
24/7 Member Inquiry Service
Experiences Beyond Currency
Partner Brand Merchant Promotions
Local Merchant Highlight Events

Forged under pressure. Refined into brilliance.

On Card Diamond takes its name from the indestructible black diamond forged under extreme heat and pressure. It stands as a powerful expression of earned status—shaped by legacy, strengthened across generations, and built to move with purpose. Where history turned pressure into brilliance, On Card Diamond is the key that unlocks the full measure of your excellence and financial authority.

Best for you if...: if you want a card that reflects your earned status. On Card Diamond delivers the prestige and luxury travel benefits of the world’s most elite cards—then goes beyond. Exclusive access to premier HBCU Classics, homecomings and tournaments, gameday travel and VIP hospitality, members-only gatherings and cultural experiences, paired with high-tier protections and world-class privileges—all while automatically putting your everyday spend contribution to work for your HBCU.
Annual fee: $499 annual fee
School impact: Your everyday spend contribution
Benefits: Supercharge Your Every Day Spend
Affiliated Community Boost
Continuous Cash Back
Merchant Cash Back Network
Everyday Dining Cash Back
Instant Payment-Rail Rewards
Stackable Savings Engine
Digital Wallet Earning
Always in Your Corner
Financial Intelligence
Auto Rental Collision Damage Waiver
Cell Phone Protection
Purchase & Warranty Safeguards
Roadside Dispatch
24/7 Emergency Card Services
Zero-Touch POS Security
Zero Liability Fraud Protection
Open Doors
Hotel Privileges
24/7 Personal Concierge
Exclusive Merchant Flash Events
Algorithmic Shopping Boosts
24/7 Member Inquiry Service
Premier Golf & Travel Status
Experiences Beyond Currency
The Yard Lounge
Gameday Travel
Curated VIP Access
Chef-Led Culinary Events
Private Brand Launches
Partner Brand Merchant Promotions
Local Merchant Highlight Events

Every benefit, card by card

Benefits grouped by pillar. A brass check means the card carries it.

Benefits covered by the On Card card and the On Card Diamond card, grouped by pillar.
Benefit	On CardNo annual fee	On Card Diamond$499 annual fee
Everyday SpendSupercharge Your Every Day Spend
Affiliated Community BoostEarn extra cash back every time you spend with HBCU affiliated institutions, alumni entrepreneurs, and Black-owned businesses.
Merchant Cash Back Network2% to 15%+ merchant-funded cash back across thousands of national online and physical retail stores.
Everyday Dining Cash Back5% to 10% automatic cash back at over 22,000 participating local and national dining locations.
Instant Payment-Rail RewardsCash back tracks automatically via card-linked payment rails—no receipt scanning, coupon codes, or vouchers required.
Stackable Savings EngineCombine member cash back with retailer sales, store coupons, and base earning rates to multiply daily savings.
Digital Wallet EarningFull reward functionality across Apple Pay, Google Pay, and contactless mobile transactions.
Continuous Cash BackEarn 5% to 15%+ merchant-funded cash back at thousands of national online and in-store retailers.
Protection & SecurityAlways in Your Corner
Financial IntelligenceA 24x7 built-in Financial advisor that actively tracks your credit, optimizes your everyday spend powering your financial elevation.
Zero Liability Fraud Protection100% protection against unauthorized or fraudulent charges on lost or stolen accounts.
Auto Rental Collision Damage WaiverSecondary coverage for collision damage and theft on eligible rental vehicles.
Roadside DispatchPay-per-use 24/7 access to roadside assistance, including towing, battery jump-starts, tire changes, and lockout services.
24/7 Emergency Card ServicesGlobal access to freeze compromised accounts, request emergency cash disbursements, and initiate replacement card delivery within 24 to 72 hours.
Zero-Touch POS SecurityCard-linked offer verification happens securely at the payment network level without exposing sensitive card data to third parties.
Cell Phone ProtectionUp to $800 in coverage for stolen or damaged phones when you pay your monthly bill with your card.
Purchase & Warranty SafeguardsExtended warranty protection adding up to a full year on eligible items, plus 90-day purchase protection.
AccessOpen Doors
Exclusive Merchant Flash EventsPriority access to nationwide "Double Cash Back" days, holiday bonus events, and flash promotional rates from major retail partners.
Algorithmic Shopping BoostsSmart merchant targeting delivers tailored cash-back deals based on individual everyday spending habits.
24/7 Member Inquiry ServiceDirect access to customer support representatives for account questions, card services, and benefit verification.
Hotel PrivilegesExclusive access to 900+ global properties featuring room upgrades, complimentary breakfast, VIP status, and late checkout.
24/7 Personal ConciergeDedicated support for booking hard-to-get travel itineraries, high-demand dining reservations, and personal errands.
Premier Golf & Travel StatusPreferred savings, green fee discounts, and VIP status across elite golf networks and premier car rental partners.
PrivilegeExperiences Beyond Currency
Partner Brand Merchant PromotionsSpecial promotional entry perks, seasonal merchant offers, and early product access available across participating Rakuten retail partners.
Local Merchant Highlight EventsRegional cash-back activations and local business spotlights curated for the On Card community.
The Yard LoungeMembership-only events at classics, tournaments, homecomings, greek life and HBCU events.
Gameday TravelTicket pre-sales, hotel offers, travel packages, alumni events, and hospitality tied to your school's calendar.
Curated VIP AccessReserved seating and pre-sale ticket access for premier concert tours, theater performances, and major sporting events.
Chef-Led Culinary EventsPrivate dining invitations, chef meet-and-greets, and exclusive tasting menus at select culinary partner establishments.
Private Brand LaunchesVIP invitations to designer trunk shows, invitation-only boutique shopping events, and private brand previews.

Uncompromised

Crafted to one standard

Both cards are built the same way — rich materials, a signature brass edge, and the school mark set with quiet distinction. Only the ground changes: deep yard green for On Card, diamond black for On Card Diamond.

Jackson State University
Florida A&M University
Tennessee State University

Pre-registration

Select your membership

Be part of making On Card a reality. We are launching this program when we reach 5,000 pre-registrations. Pre-registering has no obligation or cost, reserves your Founding Member status, and helps us reach the milestone needed to launch.

Pre-registration does not guarantee credit approval or card issuance. The card program is contingent upon reaching minimum participant thresholds and final regulatory approval. No commitment or fee is required to join the waitlist.