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Credit cards started as an easy way to shop, but some of them have evolved into status symbols. If you want to stand out, you can choose from a range of credit cards with attention-grabbing details like premium metals and cool designs.
But make sure you get a credit card that blends form and function. These cards look great and come with rewards and perks that add prestige to your wallet and offer perks.
What are the best looking credit cards?
Some of the nicer looking credit cards are made out of metal. These cards feature stainless steel, titanium, copper, gold, platinum, or a mixture of these materials, making them more durable than plastic cards. Metal cards also add a satisfying “Planck Factor,” a term used to describe their weight.
Other trends in card design have also emerged in recent years. For example, some credit cards are made from recycled ocean plastic, while others are designed with metallic inks, matte plastic, or bright colors, says senior graphic designer at Vericast Card Solutions. says Josh Hatcher.
“An attractive card design is eye-catching and makes a good impression,” says Hatcher. “Consumers love cards that are unique and show prestige.”
At the same time, he adds, there is no single design that will appeal to everyone.
If you’re looking for a credit card with an attractive design, consider these cards.
(Provided by American Express)
Best design features: Weighing about 18 grams, the American Express Platinum card features a metallic design and is instantly recognizable as “a classic status symbol for luxury credit cardholders,” says Deal’s Point attorney and founder. One Andy Medearis said.
Cardholders can choose from three different card motifs: Classic Platinum, Platinum x Kehinde Wiley, and Platinum x Julie Meletu. Wiley brings his iconic botanical backgrounds and Meretu’s abstract art to reimagining his Platinum card for his American Express.
Best non-design features: The American Express Platinum Card is for frequent travelers. Earn 5 points per dollar spent on flights booked through an airline or through the American Express Travel Portal up to $500,000 per calendar year. The card includes up to $20 monthly reimbursement on eligible digital entertainment purchases, credit to cover the cost of his Walmart+ membership each month, plus annual hotel, airline fares, and Uber credit. It contains. Cardholders have access to his over 1,400 airport lounges in 140 countries, including American Express’ Centurion lounges.
Things to know: This card has a hefty annual fee of $695.
(Provided by American Express)
Best design features: The American Express Gold card is also a metal card, but it weighs about 15 grams. Cards are available in Classic Gold or Rose Gold.
Best non-design features: Foodies may have an appetite for this card. Earn 4 points per dollar spent up to $25,000 annually at restaurants, including US takeout and delivery purchases, and US supermarkets. The card also comes with $10 Uber Cash per month and up to $10 dining credit per month.
Things to know: The annual fee for the card is $250.
(Curve Courtesy)
Best design features: This card has a small notch. Not only does it have cute design quirks, but it helps you get the right cards out of your wallet. This feature also helps visually impaired users quickly recognize how to tap a card to withdraw cash.
Best non-design features: All participating credit and debit cards can be linked to Curve Card. Pay with this virtual card and get 1% back. Alternatively, you can convert your rewards into your chosen cryptocurrency. Curve Card gives you 1% extra cashback for his first 6 months as a beta user.
Things to know: Curve Card works as a credit card and a digital wallet that allows you to link other cards through the app. Works with eligible Mastercard, Visa, Discover and Diners debit and credit cards, beta available in the US.
(Provided by American Express)
Best design features: Choose from two card materials (metal or 70% recycled plastic) and be eco-friendly. Both are striking purple shades. For a limited time in 2022, the card was made with his 25% metal from a retired Delta Air Lines Boeing 747 aircraft.
Best non-design features: Enjoy access to Delta Sky Club, complimentary checked bags, priority boarding on Delta flights, and other travel-related benefits. Cardholders will earn 3 miles per dollar spent on Delta purchases and 1 mile per dollar spent on all other qualifying purchases.
Things to know: The annual fee for this card is $550.
(AP image)
Best design features: Chase Sapphire Reserve features a minimalist design in sapphire blue that has become synonymous with luxury travel rewards.
Best non-design features: The card comes with premium travel insurance including trip cancellation/interruption insurance, major rental car coverage, lost luggage coverage and emergency evacuation coverage. This is in addition to the card’s premium travel benefits, such as airport lounge access. Fee credit for TSA PreCheck, Nexus, or Global Entry. and annual statement credits.
Things to know: This card has an annual fee of $550.
Can I customize my credit card?
Certain credit card features can be customized by your card issuer. It may or may not be adjustable.
Card design and material. You may be able to choose the material (such as recycled material) and appearance of your credit card. Discover cardholders have 170 card designs to choose from, and Wells Fargo allows you to customize your specific credit card with your own uploaded image or one from the issuer’s library.
However, “most cards with customizable designs aren’t particularly good cards from a rewards perspective,” says Nick Reyes, senior author at Frequent Miler. “Most great reward cards have set designs that match their brand.”
Compensation category. Credit cards usually have a fixed reward rate, but some cards come with customizable bonus categories. For example, some cards rotate bonus categories quarterly, offering cash back in selected categories, or earning more in categories with the highest monthly spending.
Benefits, perks, prices. If you’re trying to adjust rates, change the basic compensation structure, or add card perks like travel insurance, car rental coverage, or purchase guarantees, it usually doesn’t work. Beyond design and security features, “cardholders cannot customize their perks,” he says, Medearis.
What is the latest card technology?
Looks don’t matter if your credit card has weak security features. Modern card technology focuses on security as cases of data breaches and credit card fraud are becoming more and more common. Make sure your cool card comes with:
Customizable security features. Depending on your card issuer, you may be able to set up usage alerts, identity monitoring, and two-factor authentication. Chip-enabled cards encrypt information during each transaction, making fraud more difficult. Signature panels and security codes also help retailers verify who used the card.
A virtual credit card number. Also known as disposable card numbers, these randomly generated account numbers make online purchases more secure. They are attached to a physical card, but can only be used for one transaction. Capital One offers virtual credit cards via its Eno browser extension, and Citi generates virtual numbers for some cards.
digital wallet. Digital wallets such as Apple Pay and Google Pay are digital versions of credit cards stored in apps. You can use your digital wallet to make purchases anywhere the retailer accepts. Wallets protect your payment information by creating a one-time security code for each transaction. Whoever cracks the code basically finds the old password.
How to choose from the coolest credit cards
A credit card needs substance (perks and perks that match your spending habits) and style. Here are some important factors to consider:
interest rate. If you tend to keep a balance, find the credit card with the lowest interest rate, says Jason Kruger, a certified financial planner at Ameriprise Financial. The average interest rate on credit cards is 16.27%, according to the Federal Reserve, and interest rates are usually based on your credit profile.
reward program. Choosing a card with the lowest interest rate is less important if you pay off your balance regularly each month. In that case, “choosing a good credit card is all about cost effectiveness,” says Reyes. In other words, pick the card that has the best rewards for the types of purchases you make, he says. You can find cards that offer
advantage. Many credit cards come with perks like cell phone insurance, purchase protection, extended warranties, and $0 fraud liability for fraudulent transactions. Some even come with travel insurance, which Reyes calls “the unsung hero of credit cards,” especially if you have kids.
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