The premium card

On Card Diamond

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.

Membership

Benefits & Privileges

Only On Card Diamond delivers the prestige and luxury travel benefits of the world’s most elite cards—then goes beyond. Experience exclusive access to premier HBCU Classics, homecomings, and championship tournaments. Enjoy bespoke gameday travel, VIP hospitality, and members-only cultural gatherings—paired with high-tier protections and world-class privileges. Best of all, every swipe automatically directs a portion of your spending straight to your HBCU.

Everyday Spend

Supercharge Your Every Day Spend

Affiliated Community Boost Earn extra cash back every time you spend with HBCU affiliated institutions, alumni entrepreneurs, and Black-owned businesses.
Continuous Cash Back Earn 5% to 15%+ merchant-funded cash back at thousands of national online and in-store retailers.
Merchant Cash Back Network 2% to 15%+ merchant-funded cash back across thousands of national online and physical retail stores.
Everyday Dining Cash Back Automatic 5% to 10% cash back at over 22,000 participating local and national restaurants.
Instant Payment-Rail Rewards Rewards track seamlessly via payment rails with no receipt scanning, coupon codes, or vouchers required.
Stackable Savings Engine Combine your cash-back bonuses with retailer sales and store promotions to multiply total savings on every transaction.
Digital Wallet Earning Full reward functionality across Apple Pay, Google Pay, and contactless mobile transactions.

Protection & Security

Always in Your Corner

Financial Intelligence A 24x7 built-in Financial advisor that actively tracks your credit, optimizes your everyday spend powering your financial elevation.
Auto Rental Collision Damage Waiver Comprehensive secondary collision damage and theft protection on eligible rental vehicles.
Cell Phone Protection Up to $800 in coverage for stolen or damaged phones when you pay your monthly bill with your card.
Purchase & Warranty Safeguards Extended warranty protection adding up to a full year on eligible items, plus 90-day purchase protection.
Roadside Dispatch Pay-per-use 24/7 access to roadside assistance, including towing, battery jump-starts, tire changes, and lockout services.
24/7 Emergency Card Services Global access to freeze compromised accounts, request emergency cash disbursements, and initiate replacement card delivery within 24 to 72 hours.
Zero-Touch POS Security Card-linked offer verification happens securely at the payment network level without exposing sensitive card data to third parties.
Zero Liability Fraud Protection Complete protection against unauthorized charges, complemented by round-the-clock emergency card replacement and dispatch services.

Access

Open Doors

Hotel Privileges Exclusive access to 900+ global properties featuring room upgrades, complimentary breakfast, VIP status, and late checkout.
24/7 Personal Concierge Dedicated support for booking hard-to-get travel itineraries, high-demand dining reservations, and personal errands.
Exclusive Merchant Flash Events Priority access to nationwide "Double Cash Back" days, flash merchant events, and personalized shopping boosts.
Algorithmic Shopping Boosts Smart merchant targeting delivers tailored cash-back deals based on individual everyday spending habits.
24/7 Member Inquiry Service Direct access to customer support representatives for account questions, card services, and benefit verification.
Premier Golf & Travel Status Preferred savings, green fee discounts, and VIP status across elite golf networks and premier car rental partners.

Privilege

Experiences Beyond Currency

The Yard Lounge Membership-only events at classics, tournaments, homecomings, greek life and HBCU events.
Gameday Travel Ticket pre-sales, hotel offers, travel packages, alumni events, and hospitality tied to your school's calendar.
Curated VIP Access Reserved seating and pre-sale ticket access for premier concert tours, theater performances, and major sporting events.
Chef-Led Culinary Events Private dining invitations, chef meet-and-greets, and exclusive tasting menus at select culinary partner establishments.
Private Brand Launches VIP invitations to designer trunk shows, invitation-only boutique shopping events, and private brand previews.
Partner Brand Merchant Promotions Special promotional entry perks, seasonal merchant offers, and early product access available across participating Rakuten retail partners.
Local Merchant Highlight Events Regional cash-back activations and local business spotlights curated for the On Card community.

Shared across both cards

Every swipe builds the yard.

Both cards send the same share home — NIL funding for athletics programs. The tier changes what you get back. It never changes what your school gets.

The premium card

Every transaction with On Card Diamond commands elite travel privileges, high-tier protections, and unshakeable prestige—all while automatically channeling your everyday spend contribution back into your institution.

Compare with On Card

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.