The Ultimate Guide to Credit Cards
Friday, September 25, 2020

13 Cool Credit Cards Every Wallet Wants (2020‘s Best Designs)

Cool Credit Cards

credit card advice

Linsey Knerl
By: Linsey Knerl
Updated: May 1, 2020
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.

1. Discover it® chrome

This card is currently not available.

Cash Back Rating

★★★★★

N/A

OVERALL RATING

N/A
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
N/A
N/A
N/A

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

★★★★★
4.9

OVERALL RATING

4.8/5.0
  • Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®.
  • 2X points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining out & 1 point per dollar spent on all other purchases.
  • 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.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Earn 5X points on Lyft rides through March 2022. That's 3X points in addition to the 2X points you already earn on travel.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
15.99% - 22.99% 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.

3. Discover it® Student Cash Back

This card is currently not available.

Student Rating

★★★★★

N/A

OVERALL RATING

N/A
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
N/A
N/A
N/A

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

4.8/5.0
  • 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
  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees.
  • 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
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
16.99%-23.99% 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. Citi Prestige® Card

Citi Prestige Credit Card

If you have excellent credit, you can enjoy this uniquely designed card with your account number on the back! With a groovy spiral design, Citibank logo, and established date, it’s like no other card out there. And with its bonus rewards for travel and dining, you’ll earn big no matter what cool things are on your agenda.

6. 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.

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

American Express Centurion Card

This 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?

8. 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.

FAIR CREDIT RATING

★★★★★

4.8

OVERALL RATING

3.8/5.0
  • Pay no annual fee
  • Be automatically considered for a higher credit line in as little as 6 months
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set.
  • Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
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.

10. 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.

11. BankAmericard Cash Rewards™ Card

WWF BankAmericard Cash Rewards Card

Bank 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

★★★★★

4.8

OVERALL RATING

4.5/5.0
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Earn cash rewards without signing up for rotating categories
  • Be automatically considered for a higher credit line in as little as 6 months
  • Monitor your credit profile with the CreditWise® app, free for everyone
  • $0 fraud liability if your card is ever lost or stolen
  • No limit to how much cash back you can earn, and cash back doesn't expire for the life of the account
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!

13. 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!

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 from many of the offers listed on the site. Along with key review factors, this compensation may impact how and where products appear across the site (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.