For many of us, credit cards are utilitarian products — a means to an end — but there’s a lot to be said about aesthetic appeal. Have you ever considered what kinds of options are out there for cute credit cards?
Between gas, lunch, and that mid-afternoon pick-me-up, chances are good you pull out your trusty credit card several times a day to make a purchase. But despite the fact that many of us look at our credit cards on a daily basis, the sad fact is that most of those little plastic cards are downright boring to behold.
Most — but not all.
Some credit card issuers offer cards that come with a wide range of graphic and color options, customizable image uploads, or fashionable designs that make a real statement.
Capital One | Discover | Chase
Best Picks for Cute Capital One Credit Cards
As one of the youngest of the major credit card issuers, it makes sense that Capital One might be a little more fashion-forward than some of its centenarian counterparts. Moreover, Capital One puts the design power in your hands, allowing cardholders to customize their graphics through the Capital One Image Card design studio.
Not only can users select from a large catalog of available graphics, but they can also upload their own images for a completely personalized card. And if you want a fashionable credit card that feels more substantial, the bank’s popular travel option, the Capital One Venture Rewards Credit Card, is available to new cardholders in a sleek metal finish that is sure to raise a few eyebrows.
- Earn 100,000 bonus miles when you spend $20,000 on purchases in the first 12 months from account opening, or still earn 50,000 miles if you spend $3,000 on purchases in the first 3 months
- Earn unlimited 2X miles on every purchase, every day
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Receive up to $100 application fee credit for Global Entry or TSA Pre✔®
- Redeem on travel—including flights, vacation rentals, car rentals and more. Plus transfer your miles to over 15+ travel loyalty programs
- No foreign transaction fees
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Intro (Purchases)
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Intro (Transfers)
|
Regular APR
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Annual Fee
|
Credit Needed
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|---|---|---|---|---|
N/A
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N/A
|
17.24% - 24.49% (Variable)
|
$95
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Excellent, Good
|
- Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
- Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
- No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
- 0% intro APR on purchases for 15 months; 15.49% - 25.49% variable APR after that
- No foreign transaction fee
- No annual fee
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Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
0% for 15 months
|
N/A
|
15.49% - 25.49% (Variable)
|
$0
|
Excellent, Good
|
- $0 annual fee and no foreign transaction fees
- Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
- Earn unlimited 1.25X miles on every purchase, every day
- Travel when you want with no blackout dates and fly any airline, stay at any hotel, anytime
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Transfer your miles to over 15+ travel loyalty programs
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Intro (Purchases)
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Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
0% for 12 months
|
N/A
|
15.49% - 25.49% (Variable)
|
$0
|
Excellent, Good
|
Customizing your Capital One credit card is remarkably easy, and the entire process can be completed online through your Capital One account. Simply sign into your online account and select “Change Image On Card” from the drop-down Services menu. You’ll be taken to the design studio where you can select a graphic from the available options or upload your own image.
Once you’ve finished your edits to make the image just right, Capital One will review your design to ensure it doesn’t violate any of its guidelines. As long as your submitted design doesn’t violate copyright or contain prohibited or controversial subject matter, Capital One will send it to the printers. You should receive your new, customized card in a matter of weeks.
Best Picks for Cute Discover Credit Cards
The pioneer of credit card cash back rewards, Discover has also long offered cardholders a variety of designs to customize their Discover rewards cards. Discover it® Cash Back cardholders can choose from a collection of more than 40 credit card designs that include things like a fun and retro mixtape and a relaxing tropical island.
If graphic designs aren’t your cup of tea, you can choose from a variety of textured solids with a classic finish inspired by brushed nickel. The color palette is broad, with names inspired by nature, including charcoal, copper, gold, garnet, quartz, ocean, spruce, raspberry, and plum.
- 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.
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Intro (Purchases)
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Intro (Transfers)
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Regular APR
|
Annual Fee
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Credit Needed
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|---|---|---|---|---|
0% for 14 months
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0% for 14 months
|
11.99% - 22.99% Variable APR
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$0
|
Good/Excellent
|
- 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.
- New! 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.
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Intro (Purchases)
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Intro (Transfers)
|
Regular APR
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Annual Fee
|
Credit Needed
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|---|---|---|---|---|
0% Intro APR for 14 months
|
10.99% Intro APR for 14 months
|
11.99% - 22.99% Variable APR
|
$0
|
Good/Excellent
|
- 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.
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Intro (Purchases)
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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
|
As the official credit card of the National Hockey League, Discover also offers specialty card designs for hockey lovers. Cardholders can choose a card featuring the NHL logo, or they can pick from any team in the league to show off their team pride. All NHL® Discover it® cards include the team (or league) logo over a styled background in the team colors (the logo card is grey).
If you already have a Discover it® card and want to choose a new card design, you can do so easily online through your Discover account. Simply log into your account and head to the “Manage My Card” section. Here, you’ll be able to choose to order an additional card or to order a card to replace your current one — either of which is free — then you can pick your preferred card design. New cards should arrive in the mail within four to six business days.
Best Picks for Cute Chase Credit Cards
While most everyone loves an adorable family photo or cute-as-can-be puppy at play, sometimes you may want something a little more refined than Fido’s drool-covered face on your credit card. True to its reputation as an issuer of some of the top credit cards on the market, Chase doesn’t try to out-cute its credit card competitors; instead, the bank has two high-fashion cards that make a lasting impression.
In particular, the Chase Sapphire Reserve® and its sister card, the Chase Sapphire Preferred®, offer fashionable, classic styles in sophisticated metal finishes that look — and feel — both solid and luxurious. Although these cards won’t make you, “Awww!” at the cuteness, coming in at a hefty 13 grams, they may make you (and everyone else), “Oooh!” at the fantastic design.
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 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. Through December 31, 2021, gas station & grocery store purchases will also count towards earning your Travel Credit
- 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants including eligible delivery services, takeout and dining out & 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, 60,000 points are worth $900 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
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Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
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|---|---|---|---|---|
N/A
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N/A
|
16.99%-23.99% Variable
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$550
|
Good/Excellent
|
- 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®. Plus earn up to $50 in statement credits towards grocery store purchases within your first year of account opening.
- Earn 2X points on dining including eligible delivery services, takeout and dining out and travel. Plus, earn 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.
- 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
- Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
- 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
|
15.99% - 22.99% Variable
|
$95
|
Good/Excellent
|
As awesome as their metallic finishes are, however, the looks of these two fashionable Chase credit cards aren’t the only things premium about them. The more affordable of the two, the Chase Sapphire Preferred® card, is a popular travel option for mid-budget travelers who want to enjoy the flexibility of Ultimate Rewards points.
And the Chase Sapphire Reserve® is widely considered a top premium travel credit card. With the Reserve, you can not only earn an impressive 3X points per $1 on travel and dining purchases, but also receive airport lounge access through Priority Pass™ Select, an annual travel credit, and up to $100 application fee credit for Global Entry or TSA Pre✓®.
What Does Your Credit Card Design Say About You?
Other than our phones and keys, our credit cards are likely the items that we take everywhere. That being the case, it’s little surprise that so many of us want our credit cards to have a little style, a bit of pizazz, or that je ne sais quoi that really sets it apart from every other boring old credit card in the store.
While it’s certainly not a great idea to choose your credit card solely for how it looks (that advice applies to selecting shoes, cars, and romantic partners, too, FYI) a card’s “Wow!” factor can often be the deciding factor when it comes to choosing between cards with similar rates and rewards. So, what does your credit card’s design say about you?
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Editorial Note: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.
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