The Ultimate Guide to Credit Cards
Monday, September 20, 2021

Credit Cards You Can Customize in 2021

Credit Cards You Can Customize

credit card advice

Ashley Dull
By: Ashley Dull
Posted: June 1, 2021
Advertiser Disclosure

Credit cards you can customize let your personality shine. You can upload your own photo or choose from several designs so your credit card matches your unique style.

Card customization has become less common over the years. Some card issuers have removed the option altogether, whereas other banks only allow debit cardholders to customize their cards. Read on to see which issuers still allow custom card designs and on which cards.

Major Issuers | Bad Credit | FAQs

Discover is the Only Major Issuer That Allows Customization For All Its Cards

Discover allows you to choose from more than 150 available card designs. Customizing the card is free and easy, and all cardholders get to choose their card design. Simply log in to your card account and select Services, then Manage Cards & Devices, and finally, New Card Design, where you’ll see existing card designs grouped into categories.

If you’re applying for a new Discover card, you can choose your credit card design upon approval. Here are our top-ranked Discover cards to consider adding to your wallet:

Discover it® Cash Back Review

at Discover Card'ssecure website

EXPERT'S RATING

★★★★★
4.9

OVERALL RATING

4.9/5.0
  • 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. You could turn $150 cash back into $300.
  • 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.
  • Redeem cash back in any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • #1 Most Trusted Credit Card according to Investor’s Business Daily.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 14 months
0% for 14 months
11.99% - 22.99% Variable APR
$0
Good/Excellent

The Discover it® Cash Back is a rotating rewards card, which means the shopping category in which you earn the most cash back changes every quarter. Earn 5% cash back on purchases made in quarterly rotating categories. This provides a lot of utility if you plan your purchases accordingly. The category must be activated each quarter, and bonus cash back is limited to a purchase threshold. In addition to cash back, you can redeem rewards for gift card options, you can pay with rewards at checkout at Amazon.com and PayPal, or make a charitable donation.

Discover it® Miles Review

at Discover Card'ssecure website

EXPERT'S RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • UNLIMITED BONUS: Only Discover will automatically match all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles.  There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
  • Automatically earn unlimited 1.5x Miles on every dollar of every purchase - with no annual fee.
  • Redeem Miles to pay any part of your monthly bill, including your minimum payment.
  • Turn Miles into cash in any amount, any time. Or redeem as a statement credit for travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more with no blackout dates. However you redeem, Miles keep the same value. And Miles never expire.
  • No Blackout Dates. Simply pay for travel purchases like airlines, hotels, rental cars, and more with your Discover it® Miles card.
  • Discover is accepted nationwide by 99% of the places that take credit cards.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 14 months
10.99% Intro APR for 14 months
11.99% - 22.99% Variable APR
$0
Good/Excellent

The Discover it® Miles is Discover’s travel card and has a simple flat-rate rewards structure. That means every eligible purchase you make earns the same number of miles, and your miles can easily be applied as a statement credit to eligible travel purchases or redeemed for cash via direct deposit to your bank account.

Discover it® chrome Review

at Discover Card'ssecure website

EXPERT'S RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • 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.
  • 100% U.S. Based Customer Service available any time.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 14 months
0% for 14 months
11.99% - 22.99% Variable APR
$0
Good/Excellent

The Discover it® chrome is a tiered rewards card, which means different purchase categories earn different cash back rates year-round — they do not change quarterly. The nice thing about Discover is that it offers one of the lowest starting APRs in the biz for cardholders who qualify.

Cards For Bad Credit You Can Customize

We’ve found two subprime card issuers that allow approved cardholders to choose from multiple card designs. The following cards are worth considering if your credit score disqualifies you from one of the Discover cards above.

Indigo® Unsecured Mastercard® - Prior Bankruptcy is Okay Review

at the issuer'ssecure website

BAD CREDIT RATING

★★★★
4.3

OVERALL RATING

4.0/5.0
  • Pre-qualifying today will not affect your credit score
  • Less than perfect credit histories can qualify, even with prior bankruptcy!
  • Mobile friendly online access from anywhere
  • Fraud protection for stolen or lost cards
  • Account history is reported to the three major credit bureaus in the U.S.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
24.9%
$0 - $99
Fair/Good

You can prequalify for the Indigo® Unsecured Mastercard® – Prior Bankruptcy is Okay without affecting your credit score. Preapproval indicates a good shot at being approved if you decide to apply. The card is available in several colors and designs.

Milestone® Mastercard® - Less Than Perfect Credit Considered Review

at the issuer'ssecure website

BAD CREDIT RATING

★★★★
4.3

OVERALL RATING

3.9/5.0
  • Prequalify for a card today and it will not impact your credit score
  • Less than perfect credit is okay
  • Mobile account access at any time
  • Protection from fraud if your card is stolen
  • Account history is reported to the three major credit bureaus in the U.S.
  • *Dependent on credit worthiness
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
24.9%
$35 - $99
Bad, Poor Credit

The Milestone® Mastercard® – Less Than Perfect Credit Considered is another unsecured credit card option for bad credit borrowers, which means no security deposit is required for approval. This card is issued by The Bank of Missouri. Cardholders can choose from several designs.

PayPal Prepaid Mastercard® Review

at Netspend'ssecure website

BAD CREDIT RATING

★★★★★
4.5

OVERALL RATING

3.6/5.0
  • Move money from your PayPal account to fund your prepaid card account.
  • Earn cash back and personalized offers, just for using your card.
  • With Direct Deposit, you can get paid faster than a paper check.
  • Card issued by The Bancorp Bank, Member FDIC. Card may be used everywhere Debit Mastercard is accepted.
  • Click PayPal Prepaid Mastercard® for additional features & program details, and to request a Card.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
N/A
Variable Monthly Fee
Not applicable

Okay, so the PayPal Prepaid Mastercard® isn’t actually a credit card. But it’s a prepaid card that can be used everywhere Mastercard is accepted and can be obtained without a credit check. You can load money onto this card with cash or through your checking or savings account. Cardholders can choose from five different colors.

Which Credit Cards Can You Customize?

As mentioned above, Discover and select subprime credit card issuers offer personalized card options. Here are the customization rules for other major credit card issuers:

  • American Express and Citi do not allow custom credit or debit cards.
  • Capital One and U.S. Bank only offer custom debit card options. Capital One recently discontinued the option to customize its credit cards. Cardholders used to be able to upload their own image or choose from several designs offered by the bank.
  • Wells Fargo offers a Card Design Studio® to existing customers who have select credit and debit cards. “Credit cards not eligible for customization include Propel American Express®, Cash Wise, The Private Bank, and Wells Fargo Advisor cards,” according to Wells Fargo. Eligible cardholders can upload an image or choose from available designs.
  • Chase only allows customization on its pair of Disney co-branded cards. Cardholders can choose from more than 10 Disney character designs upon account opening.
  • Barclaycard allows customization on select co-branded cards, including its NFL Extra Points Credit Card, for which applicants can choose their favorite NFL team’s logo as their credit card design.

Some plastic business cards allow customization too — it just depends on the issuer’s capability. It’s a shame more credit card companies don’t offer this benefit, though we can see how offering specially designed cards for every cardholder would be quite the undertaking.

Can You Personalize Your Credit Card?

This depends on the card you have or are thinking about getting.

If you have a Discover card, then yes. If you have a Wells Fargo card, then maybe. If you have an American Express card, then no.

Screenshot of Discover Card Designs

Discover lets cardholders choose from more than 150 designs.

Every credit card issuer has its own rules regarding customization. Most major banks and even the occasional credit union will allow you to get a personalized debit card. It’s kind of interesting that this feature is so readily available on debit cards but not credit cards.

See the previous question for a more detailed explanation of each major card issuer’s customization options.

Can I Customize My Debit Card?

Whether you can get a custom debit card depends on the bank or credit union that issues your Visa debit card or ATM card. Your debit card is tied to your checking account whereas an ATM card can only be used at ATMs to withdraw cash.

Many financial institutions offer customized card options, but the rules vary. Some banks may allow you to upload your own photo (pending image review and approval) and others will require you to choose from preset designs.

One way to find out what your bank offers is to log in to online banking and follow the prompts to card services, where you can locate any customization services that may be available.

You can also call the number on the back of your debit card to speak with a representative. You’ll have to provide some identifying information, such as your card number or Social Security number and birthdate, to get detailed information about your card account.

Can an Authorized User Get a Custom Card?

Yes, any authorized cardholder can get a personalized credit card. They can get a replacement card for an existing card or choose their design upon card activation.

Photo of a woman and man online with a credit card

Authorized users can get a customized credit card if the issuer provides custom card options.

Of course, this only applies if the card issuer allows card personalization. See the first FAQ for the options offered by the major issuers.

Credit Cards You Can Customize Aren’t Common

Credit card personalization isn’t widespread among credit card companies. Only Discover lets every cardholder choose from over 150 card designs, whereas other issuers limit the cards that qualify or don’t offer the service at all.

But if you want to stand out from the crowd when you make a transaction, a personalized card is a good way to do it. Or check out some of these sleek metal credit cards that are sure to catch anyone’s eye.

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.