SterlingAccess  ·  Credit Cards

Cards Built for
Your Lifestyle

Choose from our premium range of credit cards — each designed to reward your unique spending habits with cashback, travel perks, and exclusive privileges.

Zero Fraud Liability
Accepted Worldwide
Instant Approval
Rewards on Every Purchase
Our Card Collection

Choose Your Card

Drag or hover the carousel · click a card to explore

SterlingAccess
Platinum
••••  ••••  ••••  1284
Card Holder
Jane A. Smith
Expires
11/29
SterlingAccess
Infinite
••••  ••••  ••••  5531
Card Holder
John K. Doe
Expires
06/28
SterlingAccess
Gold Rewards
••••  ••••  ••••  7742
Card Holder
Maria R. Chen
Expires
03/30
SterlingAccess
Emerald Cash
••••  ••••  ••••  9908
Card Holder
Alex T. Brown
Expires
09/27
SterlingAccess
✦ Black Card
••••  ••••  ••••  0001
Card Holder
Elite Member
Expires
12/30
Platinum Card
Our flagship card — 5× points on travel, airport lounge access, and zero foreign transaction fees.
Infinite Card
Unlimited earning potential — 3× points on all purchases, no annual fee, $0 liability on fraud.
Gold Rewards Card
Earn gold — 4× points on dining and groceries, $120 dining credit annually, travel insurance included.
Emerald Cash Card
Pure cashback — 2% back on everything, automatic statement credits, no rewards program to track.
✦ Black Card — Elite
The pinnacle of banking privilege — unlimited credit, private banker, 1,400+ lounges, metal card crafted for those invited.
Explore All Cards

Find your perfect match

Every card comes with world-class security, 24/7 support, and no hidden fees.

Best for Travel
SterlingAccess
••••  ••••  ••••  1284
Cardholder
Jane A. Smith
Platinum Card

Our flagship premium card for frequent travelers. Enjoy VIP perks worldwide with every swipe.

Rewards Rate
5× Travel
Annual Fee
$195
  • 5× points on flights & hotels
  • Unlimited airport lounge access
  • $300 annual travel credit
  • Zero foreign transaction fees
  • Global entry / TSA Pre✓ credit
Apply in 2 Minutes
Most Popular
SterlingAccess
••••  ••••  ••••  5531
Cardholder
John K. Doe
Infinite Card

No cap, no categories — earn unlimited rewards on absolutely everything you spend.

Rewards Rate
3× All
Annual Fee
$0
  • 3× points on every purchase
  • No annual fee, ever
  • $0 fraud liability guarantee
  • Instant virtual card issuance
  • Free credit score monitoring
Apply in 2 Minutes
Best for Dining
SterlingAccess
••••  ••••  ••••  7742
Cardholder
Maria R. Chen
Gold Rewards Card

For food lovers and home cooks — maximize rewards on every meal and grocery run.

Dining Rate
4× Points
Annual Fee
$250
  • 4× on dining & restaurants
  • 4× at supermarkets (up to $25k)
  • $120 annual dining credit
  • Travel accident insurance
  • No foreign transaction fees
Apply in 2 Minutes
Best Cashback
SterlingAccess
••••  ••••  ••••  9908
Cardholder
Alex T. Brown
Emerald Cash Card

Simple, no-nonsense cash back. No points to redeem — just money back in your pocket automatically.

Cash Back
2% All
Annual Fee
$0
  • 2% cash back on all purchases
  • Automatic statement credits
  • No minimum redemption
  • No annual fee
  • Purchase protection included
Apply in 2 Minutes
✦ By Invitation
SterlingAccess
••••  ••••  ••••  0001
Elite Member
Black Card
✦ Black Card

The ultimate expression of banking privilege. Reserved exclusively for invited members who demand the very best.

Cashback
5% All
Annual Fee
Invite Only
  • Unlimited credit facility
  • Dedicated 24/7 private banker
  • 1,400+ VIP airport lounges
  • Metal card — engraved with your name
  • Complimentary global hotel upgrades
Request an Invitation
Side by Side

Compare all cards

All the details in one place so you can make the right choice.

Feature Platinum Infinite Gold Emerald
Annual Fee$195$0$250$0
Rewards Rate5× Travel3× All4× Dining2% Cash
Sign-up Bonus80,000 pts50,000 pts60,000 pts$200 cash
Foreign Transaction Fee None None None2.7%
Lounge Access Unlimited No No No
Travel Credit$300/yr———
Dining Credit——$120/yr—
Travel Insurance
Purchase Protection
Apply → Apply → Apply → Apply →
Why choose us

More than just a credit card

Zero Fraud Liability

If your card is ever used without your permission, you pay nothing. Our 24/7 fraud team has you covered.

Mobile App Control

Freeze your card, set spending limits, view real-time notifications, and manage rewards — all from your phone.

24/7 Concierge

Premium cardholders get access to our dedicated concierge for travel bookings, reservations, and more.

Worldwide Acceptance

Accepted at over 70 million locations worldwide with competitive exchange rates and no surprise fees.

Credit Building Tools

Free credit score monitoring, payment reminders, and personalized tips to help you reach your credit goals.

Exclusive Offers

Get access to invite-only events, pre-sale tickets, luxury hotel upgrades, and partner merchant discounts.

Common Questions

Everything you need
to know

How long does approval take?
Most applicants receive an instant decision. In some cases, we may need 1-2 business days to verify your information before finalising approval.
Is there a minimum income requirement?
Requirements vary by card. The Emerald and Infinite cards have no minimum income. Premium and Gold cards require a minimum annual income of €20,000.
Can I change my credit card tier later?
Yes, you can upgrade or downgrade your card at any time through the app or by contacting support. Upgrades take effect on your next billing cycle.
How do I redeem my rewards points?
Points can be redeemed for travel bookings, statement credits, gift cards, or transferred to partner loyalty programs — all from within the mobile app.
Are there foreign transaction fees?
Platinum, Infinite, and Gold cards carry no foreign transaction fees. The Emerald Cash card charges a standard 2.7% fee on international purchases.

Ready to apply for a card?

Join hundreds of thousands of cardholders and start earning rewards today. Instant approval, no paper forms.

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