There is no way to customize a Chase Freedom card. It only comes with one design – a blue swirled pattern on the front of the card with the number printed – not embossed – on the back of the card. It’s also available only in plastic, not metal like the Sapphire Preferred and Sapphire Reserve cards.
Chase only allows you to customize two of its cards: The Disney Rewards card and the Disney Premier card. Both offer 10 Disney and Star Wars-related themes to choose from.
I think the most creative credit card designs at the moment are metal credit cards. People expect a credit card to be a slab of plastic, but these cards put the same technology into a piece of metal. It’s a more solid material and looks classier when you take it out. Some good metal credit cards are … read full answerCapital One Venture, Chase Sapphire Preferred and Amex Platinum. I also think that people can be a lot more creative than credit card companies. And since you can customize any Capital One credit card with a photo of your choice, they have to be in the running for most creative credit card design too.
But “most creative” is a matter of personal taste. And there are plenty of other contenders to consider. Let’s take a closer look at them to get your creative juices flowing.
Here are the most creative credit card designs:
Photo credit cards: These cards let you supply a picture of your choosing to use as your card’s design. All Capital One cards allow this. Other options include the Milestone Mastercard and several Wells Fargo cards, including the Cash Wise Visa.
Metal credit cards: Metal cards are usually composed of materials like steel or titanium. They’re heavier and sturdier than their plastic counterparts. Some examples are Capital One Venture, Chase Sapphire Preferred and Amex Platinum.
Picture credit cards: You can’t provide your own design for these cards. But you can pick from a range of options, from animals and landscapes to patriotic themes and abstract art. Discover lets cardholders choose from a list of designs for their it line of cards.
But as cool as it is to have a credit card with an eye-catching design, you shouldn’t base your applications on that. Having a fun picture doesn’t give you any extra benefits. So you should shop around for the best card first and then take whatever customization options you can get. If you have good credit and can qualify for Capital One Venture, that’s always a good option, and you’ll get that neat metal card too.
When people talk about a black credit card, they usually mean one very expensive, high prestige, hyper-exclusive card with black coloring: the American Express Centurion Card. You need an invite to get THE black card, unfortunately. And while Amex doesn’t disclose the requirements, online reports say you have to spend at least $250,000 a year on an Amex card to merit consideration. The Centurion Card also is rumored to have a $7,500 initiation fee and a $2,500 annual fee. And its main perks, aside from the prestige, appear to be hotel benefits, Delta Platinum status and a do-anything, round-the-clock personal concierge. … read full answer
But if you’re looking for a black card that you can actually apply for, there are some alternatives. They won’t carry the same weight socially, but their fees aren’t as astronomical, either.
Here are some notable black credit cards:
Mastercard Black Card: The annual fee is $495. You get 1 point per $1 on all purchases. You can redeem points for airfare at a value of 2 cents point, and for cash back at 1.5 cents per point. You’ll also get a $100 annual travel credit, a Priority Pass Select airport lounge membership worth $359 per year, and a $100 credit to cover the cost of applying for Global Entry. You need good credit or better.
RBC Bank Visa Signature Black Credit Card: There’s no annual fee. You get 1 point for every $1 spent. You need good credit to get approved.
Marriot Rewards Premier Credit Card: This black-in-color credit card has an $85 annual fee, waived for the first year. It gives you 75,000 points for spending $3,000 in the first three months, plus a free night every year on your account anniversary. You also get 5 points per $1 spent at Marriott hotels. And that’s in addition to 2 points per $1 spent on airline tickets booked directly with airlines, car rentals, and dining at restaurants (1 point per $1 on everything else. You need at least good credit.
American Express Centurion Card: This invite-only card is apparently reserved for Amex cardholders who spend at least $250,000 a year.
A black credit will always have a certain amount of mystique because of the secrecy and exclusivity of the Amex Centurion Card. But you can’t just apply for the real thing, and most of us don’t spend enough to qualify, anyway. Plus, it doesn’t really matter what color your credit card is, as long as it offers good terms. So you’re probably better off with a regular rewards card like Chase Sapphire Preferred, Citi Double Cash or Capital One Venture. Some credit card companies, including Capital One and Discover, also let you customize your card’s appearance. So you can turn lots of credit cards into black cards if you want.
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