Applying for and using a credit card is a serious matter. How you behave with your credit card will have a great impact on your financial status and stability, and will either help you manage your finances easily, or will put you in debt. But this doesn’t mean that you can’t have a little bit of fun with your credit cards.
If you want to add some style to your wallet and have your credit cards look as if your credit limit is in the millions, all you have to do is customize the credit card designs.
The Benefits of a Customized Credit Card Design
Unique credit card designs can be your fashion statement. They can add a touch of personality to your wallet and show off your style and taste. But it’s not all about aesthetics. Take a look at all the benefits that customized credit cards design can bring.
There are a few reasons why you might want to consider customizing your credit card designs. Sure, it won’t impact your credit terms and conditions, APR, or the height of your monthly maintenance fees, but it can still be very useful.
First of all, custom credit card designs are eye-catching, especially if you have a unique taste and style and choose a design that truly stands out. That can be a great thing if you’re prone to being forgetful and losing your credit cards, forgetting them in stores, or misplacing them. They’ll draw your attention, and you’ll find it next to impossible to forget them.
As an added benefit, this can work as a credit card theft prevention method. (Related: Credit Card Frauds On the Rise)
As a general rule of thumb, credit card thieves want to be as inconspicuous as possible. They don’t want credit cards with bright colors and authentic designs as they draw attention and essentially scream “look at me”.
The plainer the card, the better, at least in the thief’s eyes.
Another reason why customized credit card designs can be a good choice for you is that they’re easier to distinguish from one another.
If you hold multiple credit cards, you’ve likely had experience with digging through your wallet in a store while trying to find the exact card you intended to use. It’s happened to all of us.
When all of your credit cards look the same, it takes a while to figure out which card you want to use for which purchase.
With all of your credit cards customized, your wallet will be better organized, and you’ll have an easier time differentiating between the cards. You can color-code them, use your own company logo for business purchases, an image of fruits for visits to the grocery store, and a nice landscape for your no foreign transaction fee credit card (See Offers) that you like to use abroad.
Monochrome Credit Cards Designs
If you have a refined taste, you’ll likely go for a sleek, modern design that’s minimalistic, yet breathtaking.
As most credit cards tend to be white, blue, or green by default, you might want to go for more elegant options. A completely black credit card is always a good choice. It looks professional, minimalistic, and its simplicity is astonishing.
A gold credit card is a sign of luxury. If you want to leave a strong impression, this is what you’ll use.
You might not be a platinum cardholder, but a silver credit card will have everyone thinking that you are. It can be a perfect card to use if you want to impress your date or want your business clients to take you more seriously.
Colorful Patterns Add Some Whimsy
If monochrome credit cards are a bit too simple for you, you could opt for more colorful designs. Show your support for your local school by having a credit card that features the school colors (See Best Student Card). Have everyone know your favorite soccer team by choosing a credit card with the team colors. Opt for a rainbow credit card to show your support for the LGBTQ+ community.
Your options are limitless, and you can play around with colors and patterns as much as you want. The more creative you are, the more eye-catching your credit cards will be.
Picture Perfect Credit Cards Designs
Many credit card issuers that offer custom designs often have a full library of pictures you can choose for your new card. These can suit almost anyone’s taste as hundreds of options are available.
It’s a good idea to browse through them, as many of them are simply breathtaking.
Landscape images seem to be most popular, but you’ll see many floral designs, unique patterns, animals, buildings, even movie images. If you’ve ever wanted a credit card that shows your love for “Game of Thrones”, “The Lord of the Rings”, or any of the Marvel movies, now’s the time to get it.
Of course, if none of the aforementioned options are to your liking, you can easily personalize your credit card with your own images or drawings.
Many of the issuers that offer customized credit card designs will also allow you to upload almost any image you’d like and use it as your new design.
Use your favorite picture of your pet, a family portrait, or that adorable picture your child painted. If you’re skilled in graphic design, you can make your credit card showcase your abilities.
Your Credit Card Design Might Depend on the Issuer
Whether you can customize the appearance of your credit card or not depends on the credit card issuer, you’ve chosen. Some allow for customization, while others don’t.
When applying for your new credit card, ask the issuer whether you have any say in how your credit card will look. They will let you know your options and explain what you should do if you want to customize the design.
Credit Card Designs Frequently Asked Questions
If the issuer allows for complete credit card design customization, in most cases you’ll be able to use your own picture for it. It’s actually a very good idea to use a picture of your face on your credit card as it can prevent others from stealing and using the card. An image of someone’s face on the card will draw suspicion, so most card thieves will avoid it.
Customizing the design of your credit card will only change its appearance, nothing else. Your credit card terms and conditions and rates and fees will remain unchanged.
If you already have your card with you and would like to have it customized, you will usually be able to send it back to the issuer for a design change. It will likely be followed by a small fee. In most instances, your credit card number and PIN will remain the same if you’re just changing the design.
Some issuers, however, will treat a design change as a credit card replacement. They will charge their regular credit card replacement fee and might change your credit card and PIN. Make sure to check with your issuer about their exact terms on changing your credit card design.
Your credit cards design options will depend on your issuer. Some issuers don’t allow for any kind of card customization, while others give you full creative liberty.
If your issuer allows you to customize your designs, you’ll likely be able to find an image library on their website. Many issuers give you hundreds of choices, with design options ranging from monochrome to breathtaking works of art.
Some issuers will even allow you to upload your own images and pictures to use as the credit card design. If so, you’ll find the instructions on how to upload the images on the card issuer’s website.
It depends on the card issuer. With some issuers, you can fully customize the appearance of your credit card for free. Other issuers might allow you to choose an image from their library for free, but ask for a small fee if you want to upload your own image. Others still will charge a fee for any type of card customization.
If the issuer charges for customizing your credit card design, the price will vary from issuer to issuer. You can usually expect to pay somewhere between $5 and $20 for this service, but at times it can be much more expensive.
If you decide to customize your credit card design, be sure to check with your issuer about any fees associated with it.
It’s the credit card issuer that determines whether they’ll allow for credit card design customization. If you’re interested in using a unique design, be sure to check with your bank to see whether they have this option.
You’ll usually be able to find that information on the issuer’s site, but if not, ask them when you’re applying for the card.
Just remember, credit cards aren’t about appearances, they’re about functionality. When choosing your card and issuer, be sure to take into consideration how they can help you manage your finances. Look into the card features and costs (see our card reviews), read the fine print of your credit contract, and examine the terms and conditions. Only after you’ve done this should you consider whether the issuer offers customized credit card designs.