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PAR UNIVERSE
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GASSIOT

Card comparison

Four Gassiot cards. One honest table.

Every rate, fee, credit line and perk across Gassiot Flex, Lapis Preferred, Lapis Reserve and the invitation-only Palladium — no asterisks.

MEMBERGASSIOT FLEX

Gassiot Flex

Everyday spend with zero carrying cost.

Points per §
2×
Welcome bonus
4,000 pts
Annual travel credit
—
Annual fee
§0
Purchase APR
23.9%
Foreign transaction fee
§0
Opening credit line
§7,500
Maximum line
§30,000
Bank balance required
None
How to get it
Apply — instant decision
  • No annual fee
  • Rotating 5× quarterly categories
PREFERREDGASSIOT LAPIS PREFERRED

Gassiot Lapis Preferred

Frequent travel and dining across both continents.

Points per §
4×
Welcome bonus
20,000 pts
Annual travel credit
§300
Annual fee
§195 / yr
Purchase APR
19.9%
Foreign transaction fee
§0
Opening credit line
§32,000
Maximum line
§128,000
Bank balance required
§2,000
How to get it
Apply — instant decision
  • Annual travel credit
  • Trip & purchase protection
RESERVELAPIS RESERVE

Gassiot Lapis Reserve

Heavy spenders who live in lounges and want 9× on everything.

Points per §
9×
Welcome bonus
110,000 pts
Annual travel credit
§900
Annual fee
§1,450 / yr
Purchase APR
15.9%
Foreign transaction fee
§0
Opening credit line
§180,000
Maximum line
§900,000
Bank balance required
§10,000
How to get it
Apply — instant decision
  • Annual travel credit
  • Trip & purchase protection
  • Gassiot Lounge access
  • 24/7 concierge
  • Metal card body
PALLADIUMGASSIOT PALLADIUM

Gassiot Palladium

Members charging seven figures a year who want the lowest APR written.

Points per §
14×
Welcome bonus
600,000 pts
Annual travel credit
§5,000
Annual fee
§6,500 / yr
Purchase APR
8.9%
Foreign transaction fee
§0
Opening credit line
§1,250,000
Maximum line
§10,000,000
Bank balance required
§45,000
How to get it
Invitation after §1,500,000 charged
  • Annual travel credit
  • Trip & purchase protection
  • Gassiot Lounge access
  • 24/7 concierge
  • Metal card body
  • Private banker & aviation desk
  • Colosseum box access
  • Custom embossed name
GATEWAYUNIVERSE GATEWAY

Universe Gateway

No-fee flying on Universe Airlines with 2× miles on everything.

Points per §
2×
Welcome bonus
20,000 pts
Annual travel credit
—
Annual fee
§0
Purchase APR
22.9%
Foreign transaction fee
§0
Opening credit line
§9,000
Maximum line
§36,000
Bank balance required
None
How to get it
Apply — instant decision
  • No annual fee
EXPLORERUNIVERSE EXPLORER

Universe Explorer

Regular Universe flyers who want free bags and priority boarding.

Points per §
3×
Welcome bonus
60,000 pts
Annual travel credit
—
Annual fee
§95 / yr
Purchase APR
20.9%
Foreign transaction fee
§0
Opening credit line
§26,000
Maximum line
§104,000
Bank balance required
§1,200
How to get it
Apply — instant decision
  • Trip & purchase protection
QUESTUNIVERSE QUEST

Universe Quest

Frequent Universe flyers who want the travel credit and a metal card.

Points per §
5×
Welcome bonus
90,000 pts
Annual travel credit
§125
Annual fee
§250 / yr
Purchase APR
18.9%
Foreign transaction fee
§0
Opening credit line
§60,000
Maximum line
§300,000
Bank balance required
§6,000
How to get it
Apply — instant decision
  • Annual travel credit
  • Trip & purchase protection
  • Metal card body
INFINITEUNIVERSE CLUB INFINITE

Universe Club Infinite

Universe Club members who live between VER and SAN.

Points per §
8×
Welcome bonus
140,000 pts
Annual travel credit
§300
Annual fee
§595 / yr
Purchase APR
16.9%
Foreign transaction fee
§0
Opening credit line
§220,000
Maximum line
§1,320,000
Bank balance required
§18,000
How to get it
Apply — instant decision
  • Annual travel credit
  • Trip & purchase protection
  • Gassiot Lounge access
  • 24/7 concierge
  • Metal card body
HEARTSANDORIAN HEART

Sandorian Heart

Low-fare flyers who want bags free and no annual fee.

Points per §
2×
Welcome bonus
25,000 pts
Annual travel credit
—
Annual fee
§0
Purchase APR
21.9%
Foreign transaction fee
§0
Opening credit line
§8,500
Maximum line
§34,000
Bank balance required
None
How to get it
Apply — instant decision
  • No annual fee
SUNRISESANDORIAN SUNRISE

Sandorian Sunrise

Sandorian regulars who want Early Bird boarding and a travel credit.

Points per §
4×
Welcome bonus
55,000 pts
Annual travel credit
§75
Annual fee
§99 / yr
Purchase APR
19.9%
Foreign transaction fee
§0
Opening credit line
§24,000
Maximum line
§96,000
Bank balance required
§900
How to get it
Apply — instant decision
  • Annual travel credit
  • Trip & purchase protection
PRIORITYSANDORIAN PRIORITY

Sandorian Priority

Two-continent commuters chasing the Companion Pass.

Points per §
6×
Welcome bonus
100,000 pts
Annual travel credit
§200
Annual fee
§299 / yr
Purchase APR
17.9%
Foreign transaction fee
§0
Opening credit line
§70,000
Maximum line
§350,000
Bank balance required
§7,500
How to get it
Apply — instant decision
  • Annual travel credit
  • Trip & purchase protection
  • Gassiot Lounge access
  • Metal card body

Still deciding?

You can hold more than one Gassiot card. Most members start on Flex, add Lapis Preferred when they start travelling, and upgrade to Reserve as spend grows.

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Gassiot · Costa Mesa, Sandoria · A PAR UNIVERSE financial institution
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