You can customize a Discover it Card from your online account. If you're applying for the Discover it Card, you can customize the card through the online application. For cardholders, log in and under the "Manage" tab, click "Add or Replace a Card." From the Card Design Gallery, choose from more than 100 designs in several categories such as animals, sports, and flags (applicants will have fewer designs to choose from). Select the design you want and submit the request. To confirm your design, you will need to request and enter a temporary identification code either through your phone or e-mail. The new card will arrive in 4-6 business days and your credit card number will not change.
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 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.
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. 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.
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.
A black credit card is an exclusive, invitation-only credit card issued by American Express. The so-called Amex black card is more formally known as the Centurion® Card from American Express, and it has become a status symbol in pop culture.
What you should know about the Centurion® Card from American Express
Amex does not disclose requirements for the Centurion® Card from American Express, but online reports say you have to spend a certain amount per year on an Amex card to merit consideration for an invitation. The Centurion® Card from American Express also requires a $10,000 initiation fee and a $5000 annual fee. And its main perks, aside from the prestige, appear to be hotel benefits, … read full answerCenturion Lounges, Delta Medallion status and a do-anything, round-the-clock personal concierge.
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 social weight, but their fees aren’t as astronomical, either.
The Mastercard® Black Card offers 1 point per $1 on all purchases. You can redeem points for airfare at a value of 2 cents per point, and for cash back at 1.5 cents per point. You’ll also get a $100 annual air travel credit, 24/7 concierge to assist you with travel needs, and a $100 credit to cover the cost of applying for Global Entry. You need good credit or better to get approved. The annual fee is $495.
This black-in-color credit card has a $450 annual fee. Marriott Bonvoy Brilliant offers 75,000 points after spending $3,000 in the first 3 months, plus a free night every year on your account anniversary. You can also earn 6 points / $1 spent at hotel participating in the Marriott Bonvoy program. The card also offers up to $300 in statement credits each year for eligible purchases at participating hotels in the Bonvoy program. Effective 9/22/22, the $300 Marriott Bonvoy statement credit benefit will no longer be available. It will be replaced with a new benefit of up to $300 in statement credits per calendar year (up to $25 per month) for eligible purchases at restaurants worldwide.
The Centurion® Card from American Express is apparently reserved for Amex cardholders who spend a certain amount per year. The annual fee is $5000 and there’s a $10,000 initiation fee as well. It offers access to Centurion Lounges, hotel benefits, Delta Medallion status, and personal concierge. Plus, you can earn 1 point per $1 in Membership Rewards.
A black credit will always have a certain amount of mystique because of the secrecy and exclusivity of the Centurion® Card from American Express. 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.
WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.
WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. This question was posted by WalletHub. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.