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. 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 Centurion® Card from American Express. In the past you needed an unsolicited invite to get THE black card, but consumers can now request invitations through the Centurion® Card from American Express website… read full answer. 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 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, Centurion Lounges, Delta Platinum 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.
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 per point, and for cash back at 1.5 cents per point. You’ll also get a $100 annual 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.
Marriott Bonvoy Brilliant™ American Express® Card: This black-in-color credit card has a $450 annual fee. It gives you 75,000 points for spending $3,000 in the first 3 months, plus a free night every year on your account anniversary. You also get 6 points / $1 spent at hotel participating in the Marriott Bonvoy program and up to $300 in statement credits each year for eligible purchases at participating hotels in the Bonvoy program.
Centurion® Card from American Express: This invite-only card is apparently reserved for Amex cardholders who spend at least $250,000 a year. The annual fee is $5000 and there’s a $10,000 initiation fee as well. Access to Centurion Lounges, hotel benefits, Delta Platinum status, personal concierge and 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. So you’re probably better off with a regular rewards card like Chase Sapphire Preferred® Card, Citi® Double Cash Card – 18 month BT offer or Capital One Venture Rewards Credit Card. Some credit card companies, including Wells Fargo 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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