Umbrella — Common Card | Tycoon Cards

Lore

Scholars of the archive disagree on the origins of the Umbrella, but agree on one thing: it has never once left its owner poorer.

Description

Stay dry, stay earning.

Complete Statistics

Rarity	Common
Bonus type	Passive Income
Bonus per level	3.0%
Maximum level	15
Max total bonus	45.0%
Collection / Faction	Lifestyle
Card tier	Foundation

Ability

Increases your total passive income (from all owned businesses) by 3.0% per level.

Upgrade Scaling

The bonus below applies at every level from 1 up to this card's maximum of 15.

Level	Total bonus	Copies for next level
1	+3.0%	1
2	+6.0%	2
3	+9.0%	3
4	+12.0%	4
5	+15.0%	5
6	+18.0%	6
7	+21.0%	7
8	+24.0%	8
9	+27.0%	9
10	+30.0%	10
11	+33.0%	11
12	+36.0%	12
13	+39.0%	13
14	+42.0%	14
15 (max)	+45.0%	—

Duplicate Bonuses & Combining

Pulling a duplicate of Umbrella from a pack adds a spare copy to your collection. Spend spare copies in the Cards tab to combine and raise its level — each level costs a number of copies equal to the card's current level. Reaching the maximum level of 15 from level 1 requires 105 total copies. Read the full Duplicate Cards & Combining guide for the general combine mechanics, or use the Combine All button in-game to apply every possible level-up across your whole collection at once.

Evolution

Tycoon Cards does not currently have a card evolution system — Umbrella progresses only through the standard duplicate-combine mechanic described above. Evolution is listed as a researched feature on our Updates & Roadmap page; this page will be updated if it's ever implemented.

Fusion

There is no cross-card fusion system in Tycoon Cards today. Every card, including Umbrella, is levelled independently using its own spare copies — you cannot combine it with a different card. Like Evolution, this is tracked as a possible future system on the Updates page.

Collection & Faction

Umbrella belongs to the Lifestyle collection — one of the thematic groupings used across the card archive. Browse every card in this collection from the main Card Guide, or see the "Related cards" section below for direct links to its closest siblings.

Businesses That Synergise

Passive-income bonuses apply a flat percentage to your total business income, so they have the largest absolute effect on whichever businesses currently produce the most money for you.

Business	Base cost	Income/s
♾️ The Infinite Exchange	$18.9Oc	$1.67Qi
✨ Cosmic Singularity Corp	$12.2Oc	$1.23Qi
🔮 Reality Forge	$7.86Oc	$903Qa
⏳ Time Dilation Facility	$5.07Oc	$664Qa

Prestige Interactions

Passive income is calculated as totalBusinessIncome × (1 + passiveBonus + globalBonus) × prestigeMultiplier — so this card's bonus is multiplied by your prestige multiplier.

Best Strategies

Level this card up before investing heavily in your highest-tier businesses — the percentage bonus is worth more once your passive income is already large.
Especially valuable in the mid-to-late game once you own several business tiers simultaneously.
Starter Packs are the most efficient way to farm duplicates of this card thanks to its lower rarity.

How to Unlock

Umbrella is obtained by opening card packs — it cannot be purchased directly or unlocked through any other method. As a Common card, it appears in any pack whose odds include that rarity.

Pack Availability

Pack	Cost	Chance per card slot	Chance per pack
📦 Starter Pack	$500	0.22%	0.65%
🎁 Premium Pack	$75.0K	0.12%	0.37%

See the full Card Pack Odds Guide for how these probabilities are calculated.

Event Availability

Umbrella is not currently tied to any seasonal or limited-time event — it's available year-round through standard pack odds. Seasonal events and event-exclusive cards are listed as a planned feature on the Updates & Roadmap page.

Frequently Asked Questions

What does Umbrella do?

Increases your total passive income (from all owned businesses) by 3.0% per level.

How do I unlock Umbrella?

Umbrella is a Common card, best hunted through Starter Pack (0.22% chance per card slot).

How many copies do I need to max out Umbrella?

You need 105 spare copies in total to take Umbrella from level 1 to its maximum level of 15.

Does Umbrella work with prestige?

Passive income is calculated as totalBusinessIncome × (1 + passiveBonus + globalBonus) × prestigeMultiplier — so this card's bonus is multiplied by your prestige multiplier.

What rarity is Umbrella?

Umbrella is a Common card, one of 323 cards of that rarity in the full archive.

Trivia

Archive position	#10 of 1000
Card tier	Foundation card (original 100)
Rarity rank	1 of 7 rarities (higher = rarer)
Cards in "Lifestyle"	10 cards
Same rarity + bonus type	108 cards share this exact combination