The Only Card LLC

The Only Card LLC is a Georgia-based entity that engages in patent assertion. There is no public information available to suggest the company has any business operations, products, or services beyond the litigation of its patent portfolio. Its founding year, headquarters, and ownership details are not publicly available.

The company does not manufacture products or offer commercial services. Instead, its activities are centered on licensing and enforcing a patent related to financial transaction security. The patent it has asserted in litigation is U.S. Patent No. 8,152,059, titled "Secure commercial transactions system." The patent describes a transactional device, like a card, with two distinct operational modes, such as a normal function and a covert "panic" function that could be activated by a different PIN to enhance cardholder security during a transaction like an ATM withdrawal.

The Only Card LLC's litigation posture is that of a non-practicing entity (NPE), also known as a patent assertion entity. This is evidenced by its pattern of filing lawsuits as a plaintiff while having no record of being a defendant in patent cases. The company has initiated multiple patent infringement lawsuits, with all tracked cases filed in the U.S. District Court for the Northern District of Georgia.

Beginning in late 2025 and continuing into 2026, The Only Card LLC has sued multiple financial institutions and other companies. Notable defendants include The Citizens Bank of Georgia, Peach State Bank & Trust, and Eternal Inc. In its complaints, The Only Card LLC alleges that the defendants' use of standard Europay, Mastercard, and Visa (EMV) chip cards in their systems infringes on the '059 patent. According to court filings, the plaintiff offered to license the patent to at least one defendant before filing the lawsuit.