The Ultimate Guide to Credit Cards
Wednesday, July 17, 2024

8 Credit Cards You Can Customize (June 2024)

Credit Cards You Can Customize
Ashley Fricker

Written by: Ashley Fricker

Ashley Fricker
Ashley Fricker

Ashley Fricker has more than a decade of experience as a finance contributor and editor, and has specialized in the credit card industry since 2015. Her credit card commentary is featured on national media outlets that include CNBC, MarketWatch, Investopedia, and Reader's Digest, among many others. She has worked closely with the world’s largest banks and financial institutions, up-and-coming fintech companies, and press and news outlets to curate comprehensive content and media. Ashley holds a bachelor's degree in multimedia journalism from Florida Atlantic University.

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Edited by: Lillian Guevara-Castro

Lillian Guevara-Castro
Lillian Guevara-Castro

Lillian Guevara-Castro brings more than 30 years of editing and journalism experience to the CardRates team. She has written and edited for major news organizations, including The Atlanta Journal-Constitution and the New York Times, and she previously served as an adjunct journalism instructor at the University of Florida. Today, Lillian edits all CardRates content for clarity, accuracy, and reader engagement.

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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

  • INTRO OFFER: Unlimited Cashback Match for all new cardmembers–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 you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.
  • Redeem your rewards for cash at any time.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • Get a 0% intro APR for 15 months on purchases. Then 18.24% to 28.24% Standard Variable Purchase APR applies, based on credit worthiness.
  • No annual fee.
  • Terms and conditions apply.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 15 months
0% Intro APR for 15 months
18.24% - 28.24% Variable APR
$0
Excellent/Good
Discover it® Miles Review

at Discover Card'ssecure website

EXPERT'S RATING

★★★★★
4.8

OVERALL RATING

  • UNLIMITED BONUS: Unlimited Mile-for-Mile match for all new cardmembers—only from Discover. Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. You could turn 35,000 Miles to 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
  • No annual fee
  • Turn Miles into cash. Or redeem as a statement credit for your travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more.
  • 0% intro APR for 15 months on purchases. Then 18.24% - 28.24% Standard Variable Purchase APR will apply.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • Discover is accepted nationwide by 99% of the places that take credit cards.
  • Terms and conditions apply.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 15 months
0% Intro APR for 15 months
18.24% - 28.24% Variable APR
$0
Excellent/Good
Discover it® Chrome Review

at Discover Card'ssecure website

EXPERT'S RATING

★★★★★
4.8

OVERALL RATING

  • INTRO OFFER: Unlimited Cashback Match for all new cardmembers–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 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
  • Get a 0% intro APR for 18 months on balance transfers. Then 18.24% to 28.24% Standard Variable APR applies, based on credit worthiness.
  • Redeem your rewards for cash at any time.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • No annual fee.
  • Terms and conditions apply.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 6 months
0% Intro APR for 18 months
18.24% - 28.24% Variable APR
$0
Excellent/Good
Discover it® Student Chrome Review

at Discover Card'ssecure website

EXPERT'S RATING

★★★★★
4.5

OVERALL RATING

  • INTRO OFFER: Unlimited Cashback Match for all new cardmembers – 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 cash back into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
  • Redeem your rewards for cash at any time.
  • No credit score required to apply.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • 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 18.24% - 27.24% applies.
  • Terms and conditions apply.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 6 months
10.99% Intro APR for 6 months
18.24% - 27.24% Variable APR
$0
Fair/New to Credit
Discover it® Student Cash Back Review

at Discover Card'ssecure website

EXPERT'S RATING

★★★★★
4.5

OVERALL RATING

  • INTRO OFFER: Unlimited Cashback Match for all new cardmembers – 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 cash back 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 you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.
  • Redeem your rewards for cash at any time.
  • No credit score required to apply.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • 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 18.24% - 27.24% applies.
  • Terms and conditions apply.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 6 months
10.99% Intro APR for 6 months
18.24% - 27.24% Variable APR
$0
Fair/New to Credit

+ See More Discover Cards

You can expect to receive your new customized Discover card in the mail in three to seven business days.

Cards For Bad Credit You Can Customize

There are also some subprime card issuers that allow approved cardholders to choose from multiple card designs. The following card is worth considering if your credit score disqualifies you from one of the Discover cards above.

PayPal Prepaid Mastercard® Review

at The Bancorp Bank'ssecure website

BAD CREDIT RATING

0.0

OVERALL RATING

  • 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 now features customization on two of its popular cards, The Platinum Card® — choose among three designs, including the classic Platinum design — and the American Express® Gold Card, where you can choose between the classic gold color or the new rose gold option.
  • Citi does 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.
  • Barclays allows customization on select co-branded cards, including its NFL Extra Points Visa® 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 only if you choose The Platinum Card® or the American Express® Gold Card.

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

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