gwen
Check eligibility

For the table, the trip and the encore.

Gwen Reserve pays you back $2,140 a year at the restaurants, venues, hotels and services you'd choose anyway, with 3x points on dining, tickets and streaming.

Check eligibility See the perks

Checking takes a minute and won't affect your credit score.

  • Ace Hotel
  • MUBI
  • Rosewood
  • REI
  • Crunchyroll
  • Le Labo
  • Equinox
  • The Hoxton
  • Criterion Channel
  • Aesop
  • Six Senses
  • Saks Fifth Avenue
  • ClassPass
  • Kimpton

Dinner on Thursday. A show on Saturday. Two nights somewhere new. Gwen pays you back for the things you'd do anyway.

$2,140
in credits every year
1,400
partner restaurants in 14 cities
1,600+
airport lounges worldwide
$0
foreign transaction fees
Seven credits

Seven credits. One card.

Worth $2,140 a year, paid as statement credits at places you'd go anyway. No codes, no enrolment, nothing to activate.

$300 a year back at 1,400 partner restaurants in 14 US cities, paid as $150 each half of the year. Book through Gwen or straight with the restaurant, and the credit lands on your statement within a few days.
$300 a year

Tables

Dinner at 1,400 partner restaurants in 14 cities, $150 back each half of the year.

New YorkChicagoLos AngelesAustinMiami+9 cities

$300 a year toward concerts, comedy, theatre and games, plus member presales at 60 partner venues. Use it on any ticket bought through Gwen Tickets.
$300 a year

Front Row

Concerts, comedy, theatre and games, with presales 48 hours early.

60 partner venuesMember entrance

$500 a year at the Gwen Stays collection, more than 900 hotels from Ace Hotel and The Hoxton to Rosewood, Aman and Six Senses. Every stay comes with breakfast for two, a room upgrade when one is free and 4pm checkout.
$500 a year

Stays

900 hotels with breakfast for two, an upgrade when one is free and 4pm checkout.

Ace HotelThe HoxtonRosewoodAmanSix Senses

A $300 travel credit, 1,600 airport lounges and the small things that make airports easier: Gwen Rooms at six US airports and Global Entry or TSA PreCheck paid for.
$300 a year

Away

A travel credit, 1,600 lounges, Gwen Rooms in six airports and Global Entry paid for.

JFKLAXORDSFOMIAAUS

$20 a month back on one streaming service of your choice: MUBI, Criterion Channel, Crunchyroll, Max, Hulu, Apple TV+, Paramount+ or Peacock. Switch services any month.
$20 a month

Screen

One streaming service on us. Switch any month.

MUBICriterion ChannelCrunchyrollMaxHulu

$200 a year at one partner store you pick each January: REI, Saks Fifth Avenue, Le Labo, Aesop, Apple, lululemon, Nordstrom, Williams-Sonoma, Barnes & Noble, Uniqlo, Sephora or Nike.
$200 a year

Shop

One partner store you pick each January.

REISaksLe LaboAesopApple

$25 a month toward the way you stay well: Equinox, ClassPass, Peloton, Barry's, Strava or an Oura membership.
$25 a month

Move

A gym, a studio or the ring on your finger.

EquinoxClassPassPelotonOura

Credits every year $2,140
Annual fee $695
Tables$300
Front Row$300
Screen$240
Stays$500
Away$300
Shop$200
Move$300
Rewards

Points on everything. More on the good stuff.

  • 5xFlights and hotelsBooked through Gwen Travel
  • 3xDining, tickets and streamingEverywhere, no caps
  • 1xEverything elsePoints never expire
Welcome offer
80,000 points

After $6,000 in purchases in your first 6 months. Worth $1,000 at Gwen Travel.

What you spend in a month

Drag to adjust
Points in a year
72,600
worth $908 at Gwen Travel
Points
$908
Credits, if you use them all
$2,140
Welcome offer, first year
$1,000
Annual fee
−$695
Your first year
$3,353
9:41
Good evening, Alex
Your credits
July to DecThis month
  • Tables$62left
    $88 used at dinner
  • Front Row$150left
    Presale opens Thursday
  • Stays$250left
    Resets 1 January
  • Screen$0left
    Used this month
  • Away$210left
    $90 used on a flight
  • Shop$200left
    Your pick: Le Labo
  • Move$25left
    Renews on the 1st
Gwennow
Tables credit applied$62 left until December+$88
Gwen5m ago
3x points earnedTwo tickets, Front Row+186
The app

Credits that find you.

Every credit, what's left of it and where it works, on one screen. Most members never open a menu to use a perk.

Credits apply themselves

Pay with the card at a partner and the credit lands on your statement. No enrolment, no codes.

Reminders before reset

Two weeks before a credit resets, the app tells you what's left and where you can use it.

Freeze in one tap

Lock the card, make virtual numbers for subscriptions and set limits for authorized users.

Apple Pay and Google Pay

Add the card to your wallet the moment you're approved, before the metal one arrives.

The card

Stainless steel. Eighteen grams.

A numberless front in Graphite or Pearl, finished in gold: the mark, the chip and a fine line across the card. Your card details live in the app, where you can change them.

  • Two finishes, Graphite and Pearl, for you and your authorized users
  • Contactless, Apple Pay and Google Pay from the minute you're approved
  • Trip delay cover, purchase protection and no foreign transaction fees
  • A virtual number for every subscription, frozen in one tap
Members

In their words.

Members pay the annual fee back with credits in five months on average.

Priya Raman, Gwen memberUses most: Tables
“I was already eating out twice a week. Now two of those dinners a year are on Gwen, and the Thursday table drops got me into places I'd given up on.”
Priya RamanBrooklyn, NYMember since 2024
Marcus Hale, Gwen memberUses most: Stays
“The hotel credit paid for a weekend in Telluride, breakfast included. The lounge at DIA did the rest. The fee was covered by March.”
Marcus HaleDenver, COMember since 2023
Elaine Porter, Gwen memberUses most: Front Row
“Presales are the reason I switched. I got Lyric Opera seats before they went public, and the credit took $150 off.”
Elaine PorterChicago, ILMember since 2025
Rates and fees

The small print, made big.

Annual fee
$695
Authorized users
$195 each
Purchase APR
20.74% to 28.49% variable
Foreign transaction fee
None
Late payment fee
Up to $40

APR varies with the market based on the Prime Rate. Rates as of October 2026. Issued by Harlow National Bank, N.A., Member FDIC.

Questions

Asked often.

Will checking eligibility affect my credit score?

No. We use a soft inquiry to show whether you're approved and for what limit. A hard inquiry only happens if you accept the offer and open the account.

How do the credits work?

Each credit is a statement credit. Pay with your Gwen Reserve at an eligible partner and the credit appears within a few days, up to that period's amount. Nothing to enrol in, no codes to remember.

Do unused credits roll over?

No. Half-year credits reset on 1 January and 1 July, monthly ones on the first of each month. The app reminds you two weeks before anything resets.

What are points worth?

1.25 cents each when you book travel through Gwen Travel, 1 cent as a statement credit, or transfer them 1:1 to 14 airline and hotel programmes.

Can I add someone to my account?

Yes. Authorized users are $195 a year each, get their own metal card and lounge access, and their spending earns points for you.

Who issues the card?

Gwen Reserve is issued by Harlow National Bank, N.A., Member FDIC. Gwen is a financial technology company, not a bank.

See if you're approved in sixty seconds.

A soft check shows your offer and limit. Nothing touches your credit score until you say yes.

Check eligibility Rates and fees