The Ultimate Guide to Credit Cards
Thursday, May 26, 2022

13 Cool Credit Cards Every Wallet Wants (2022‘s Best Designs)

Cool Credit Cards

credit card advice

Linsey Knerl

Written by: Linsey Knerl

Linsey Knerl

Linsey Knerl is a finance author and public speaker with a passion for helping everyday families earn more and live better. Her work can be seen in Investopedia, PC Mag, The Christian Science Monitor, TIME, Wise Bread, Next Avenue, MSN Money, and numerous other leading outlets. Her expertise lies in business economics, credit scores and reports, and saving and budgeting. Linsey has shared her financial knowledge with audiences at SXSW, FinCon, and the ASJA annual NYC convention.

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Edited by: Lillian Guevara-Castro

Lillian Guevara-Castro

Lillian is a Content Editor who brings her journalism experience in business and consumer finance to ensure CardRates news articles and reports have been edited for overall clarity, accuracy, and reader engagement. Her primary goal is to assure editorial content meets the highest level of quality and precision.

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Advertiser Disclosure

When most of us choose a credit card, design is rarely at the top of our minds. Honestly, there are so many other features to consider. Perks, interest rate, intro APR, and card protections are considered more often when selecting an aesthetically cool credit card.

But what if all things were created equal? Could a card’s look persuade you to apply?

Card companies know that looks aren’t everything — but flash any one of these 13 cards the next time you go out, and get noticed! There are cool options available for all credit types. In this article, we’ll take a look at these cool cards that include options for consumers with good credit, fair credit, cards for students, cards with appealing cash back offers, cards for air miles, and more.

Discover it® chrome Review

at Discover Card'ssecure website

CASH BACK RATING

★★★★★

4.5

OVERALL RATING

  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Earn cash back on your next road trip with 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • NEW Intro APR: Get a 0% intro APR‡ for 15 months on purchases. Then 12.24% to 23.24% Standard Variable Purchase APR applies, based on credit worthiness.
  • No annual fee.
  • Click "APPLY NOW" to see rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 15 months
0% Intro APR for 15 months
12.24% - 23.24% Variable APR
$0
Excellent/Good/Average

You no longer have to qualify for that titanium card to show some precious metal. This slick-looking card has a brushed metal look and all the perks that people love about Discover cards. If you don’t like the metal look, you can actually choose from more than 40 card designs!

AIR MILES RATING

★★★★★
4.7

OVERALL RATING

  • Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 when you redeem through Chase Ultimate Rewards®.
  • Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 80,000 points are worth $1,000 toward travel.
  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
16.24% - 23.24% Variable
$95
Good/Excellent

A beautiful blue color and striking “gem” design make this card an attractive addition to any wallet. It even has a solid piece of metal inside. The popular card is more than just a pretty face, however. Its perks and sign-up bonus offers are among the most buzzed about.

Discover it® Student Cash Back Review

at Discover Card'ssecure website

STUDENT RATING

★★★★★

4.6

OVERALL RATING

  • No credit score required to apply.*
  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • No annual fee and build your credit with responsible use.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 13.24% - 22.24% applies.
  • Refer-a-Friend: Once you become a Discover it® Student cardmember, you can earn a statement credit each time you refer a friend and they’re approved. Over half a million students got Discover Cards from their friends' recommendations.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 6 months
10.99% Intro APR for 6 months
13.24% - 22.24% Variable APR
$0
Fair/New to Credit

This card designed for younger credit holders with shorter credit history is much like the Chrome mentioned before. Both cards have the option to choose from a selection of unique and fun card designs. Or pick from a range of vibrant textured solids in blue, green, purple, and more!

AIR MILES RATING

★★★★★

4.7

OVERALL RATING

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on air travel and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 50,000 points are worth $750 toward travel
  • With Pay Yourself Back℠, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • 1:1 point transfer to leading airline and hotel loyalty programs
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.24% - 24.24% Variable
$550
Good/Excellent

Along with its sleek and simplistic modern design, this card carries a hefty bonus for new cardholders. Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. If you’re a frequent traveler and have good to excellent credit, this card would be a great fit in your wallet.

5. NFL Extra Points Visa Signature Card

NFL Extra Points Visa Card

NFL fans who plan on spending some cheddar on football-related expenses may want to check out this card, issued by Barclays. It features excellent NFL perks, and cardholders can select their favorite NFL team for a design. Not particularly loyal to any one team? They offer a generic “NFL” design, as well.

6. American Express Centurion® Card (The Black Card)

American Express Centurion CardThis card has no need for photos, designs, or distractions. This completely black anodized card is the crème-de-la-crème and is what most people refer to when speaking of “the black card.” Did you know that it is actually made with genuine titanium?

7. J.P. Morgan Reserve Card

JP Morgan Reserve Card

This rich-looking metal card just begs for attention. That’s because most applicants have $10 million or more in assets before they get the invite. With a JP Morgan signature scrawled across the top, it’s a shiny addition to any well-kept wallet.

  • This card is by invitation only.

(Non-Monetized. The information related to J.P. Morgan Reserve® was collected by CardRates.com and has not been reviewed or provided by the issuer of this product. Product details may vary. Please see issuer website for current information. Product details may vary. Please see issuer website for current information. CardRates.com does not receive commission for this product/card.)

FAIR CREDIT RATING

★★★★★

4.7

OVERALL RATING

4.0/5.0
  • No annual or hidden fees. See if you're approved in seconds
  • Be automatically considered for a higher credit line in as little as 6 months
  • Help build your credit through responsible use of a card like this
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with our mobile app
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
26.99% (Variable)
$0
Average, Fair, Limited

If you believe the coolest card design is one you create, then you’ll love this! Capital One has joined the ranks of card issuers letting you upload your own photo. While they do have final say on the photo before they create it, most people have been able to place pets, kids, and their favorite memories on their VISA with no issues.

9. Japan’s ANA EPOS Card

EPOS Card

Here’s a card that deserves to be on the list, though it’s for Japanese cardholders only. The card company ANA actually has a card design competition to find the best artwork for their cards. Collectible designs have included mixtapes and unwrapped bars of chocolate. The cards are so popular that expired ones have been in collector’s auctions!

  • This card is only available in Japan.

10. BankAmericard Cash Rewards™ Card

WWF BankAmericard Cash Rewards CardBank of America is changing its affiliations all the time, but they usually offer a handful of attractive cards linked to special perks and bonus offers. Current partnerships include MLB, World Wildlife Fund, and Susan G. Komen. The card design for each is unique to Bank of America.

FAIR CREDIT RATING

★★★★★

4.7

OVERALL RATING

4.5/5.0
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or limits to how much you can earn, and cash back doesn't expire for the life of the account. It's that simple
  • Be automatically considered for a higher credit line in as little as 6 months
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Help strengthen your credit for the future with responsible card use
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
26.99% (Variable)
$39
Average, Fair, Limited

This card is not only a good choice for those with average, fair, or limited credit, but it has the look of high-end cards. With a smooth metallic finish and bold font, it definitely represents the Quicksilver brand. It answers the question “What’s in your wallet?” with something pretty cool!

12. Chase Disney Visa® Premier Card

Chase Disney Visa Card

Are you a big Disney fan? If you spend a good amount each year on Disney merchandise and property visits, this card offers unique rewards and 10 Disney-themed designs to choose from. Options change regularly, but they include Frozen and Star Wars!

The Platinum Card® Review

at the issuer'ssecure website

BEST OVERALL RATING

★★★★★

4.7

OVERALL RATING

  • Earn 150,000 Membership Rewards® points after you use your new card to make $6,000 in purchases in your first 6 months of Card Membership
  • Earn 5X Membership Rewards® points for flights booked directly with airlines or with American Express Travel, on up to $500,000 on these purchases per calendar year. Also earn 5X Membership Rewards® points on prepaid hotels on AmexTravel.com. Earn 1X points on all other purchases.
  • $200 annual hotel credit, $200 annual airline fee credit, $25 monthly Equinox credit, $15 monthly Uber cash credit, $100 annual Saks Fifth Avenue credit, and more.
  • Platinum Card Members have unlimited complimentary access to all locations of The Global Lounge Collection, including 1,400 airport lounges across 650 cities.
  • Automatic Marriott Bonvoy Gold Elite Status and Hilton Honors Gold Status. Enrollment required.
  • Choose among three card designs
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
16.24% - 23.24% Pay Over Time
$695
Excellent

A great card for travelers, this platinum-color metal card will certainly catch some eyes when you take it out of your wallet. Though it comes with a hefty annual fee, you can definitely make it worth your while if you take full advantage of all the perks.

(Non-Monetized. The information related to Chase Disney Visa® Premier Card was collected by CardRates.com and has not been reviewed or provided by the issuer of this product. Product details may vary. Please see issuer website for current information. Product details may vary. Please see issuer website for current information. CardRates.com does not receive commission for this product/card.)

How this List was Selected

Cards were chosen for this list based on aesthetic appeal and what we’ve heard card users say are their favorites. While we think all of the cards on this list are stunning to look it, we also understand that beauty is in the eye of the beholder. What you might find to be a cool card, others might eschew in favor of something more low-key. In the end, we hope that you choose a card that helps you meet your financial goals and build credit that you can use for a lifetime.

Many of the cards on the list also come with the option to change your look after a time. If you’ve grown tired of that picture of a puppy, most cards will let you update the design. Simply inquire at the phone number on the back of your card, or log in to your accounts and access card design options from the services menu.

Advertiser Disclosure

CardRates.com is a free online resource that offers valuable content and comparison services to users. To keep this resource 100% free, we receive compensation for referrals for many of the offers listed on the site. Along with key review factors, this compensation may impact how and where products appear across CardRates.com (including, for example, the order in which they appear). CardRates.com does not include the entire universe of available offers. Editorial opinions expressed on the site are strictly our own and are not provided, endorsed, or approved by advertisers.