Cool Credit Cards: Best Terms, Designs & Trends

Selected by WalletHub Editors from 1,000+ credit cards — Updated November 18, 2017

“Cool” is a subjective term that few people associate with credit cards. Sure, celebrities flashing black cards may seem pretty sweet. But how cool can us common folk really look when we pull out our plastic at the gas station or grocery store?

It depends on your definition of cool. We show moreshow less
“Cool” is a subjective term that few people associate with credit cards. Sure, celebrities flashing black cards may seem pretty sweet. But how cool can us common folk really look when we pull out our plastic at the gas station or grocery store?

It depends on your definition of cool. We think the coolest thing about a credit card is its ability to save you money. And in that sense, credit cards are about as cool as they’ve ever been, offering $400+ sign-up bonuses, $1,000+ in savings from 0% intro rates and fuel for credit-score improvement. Other people might want fancy new card materials, custom designs or an air of exclusivity.

With these differing conceptions of cool considered, WalletHub’s editors compared more than 1,000 offers (including cards from WalletHub partners) to identify the coolest cards on the market in two major categories: 1) those with the sexiest savings potential and 2) the coolest looking.

This content is not provided or commissioned by any issuer. Opinions expressed here are the author’s alone, not those of an issuer, and have not been reviewed, approved or otherwise endorsed by an issuer.

Here are the coolest credit cards:



You can check out the rest of our selections below, followed by an in-depth look at the latest credit card trends. If you’re worried your card’s social cache, you should review our picks for the year’s most exclusive credit cards, too. Finally, if you’re interested in the other side of the equation, our picks for the 2017’s worst Credit Cards would have to be the least-cool offers on the market.
 

Coolest Overall Rewards

Coolest Overall Rewards

This card stands out in terms of both initial and ongoing value, offering a $400 travel credit to users who spend at least $3K in the first 90 days as well as the miles-equivalent of 2% cash back across all purchases. This card does not charge a first-year fee, but an annual fee of $89 applies thereafter.

Coolest Cash Back

Coolest Cash Back

If you’re a responsible credit card user who values straightforward, consistently valuable rewards, then this is the offer for you. It provides 1% cash back across all purchases as well as another 1% cash back on monthly payments. It doesn’t charge an annual fee either.

Coolest Hotel Rewards

Coolest Hotel Rewards

Nearly two-weeks’ worth of free nights at hotel chains like Radisson and Country Inn & Suites is pretty darn cool, and that’s just what this card offers to users who spend at least $2,500 within the first 90 days

While it does charge a $75 annual fee, you also get a host of assorted ongoing benefits, such as a 40K-point annual anniversary bonus and high earning rates at Club Carlson properties.

Coolest Financing

Coolest Financing

If you have a big-ticket purchase in your future, make sure to include both this card and our Debt Payment Calculator in your planning process. The former gives you a 21-month interest-free intro period, while the latter will help you determine what monthly payments you’ll need to make in order to be debt free by the time high regular rates take effect.

Rates & Fees  | Terms Apply
While not quite as cool as the Sapphire Preferred Card from Chase, Amex’s Blue Cash Card is made out of clear plastic and does indeed look pretty nice.

Coolest Material

Coolest Material

This card – which also happens to have a 50,000 bonus points offer – is made out of titanium and is both heavier and thicker than a normal credit card. If you’re trying to impress cashiers, plunking this baby down will do the trick.

Coolest Design

Coolest Design

Capital One gives all cardholders the option of customizing their card with a custom image. Users can thereby express themselves with pictures of family, pets, favorite vacation spots, etc. And applying for a new card gets you a metal card.
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By: John Kiernan, Personal Finance Editor

Nowadays, a number of credit cards are made of metal, at least in part. Issuers don’t always disclose exactly what materials their cards are made from, you see. And there’s usually more than one ingredient, as alloys, or combinations of metallic elements, are generally used. But you don’t need to be a metals expert to understand that the following cards are much heavier than your standard plastic credit card for a reason.
 

By: John Kiernan, Personal Finance Editor

The Chase Sapphire Preferred and Reserve cards are both made out of a metallic alloy, which makes them heavier than regular plastic credit cards.

By: John Kiernan, Personal Finance Editor

The American Express black card, otherwise known as the Centurion Card, is available by invitation only. You generally need an excellent credit score and $250,000+ in annual credit card charges to have a chance of getting the black card.

By: John Kiernan, Personal Finance Editor

Some credit cards are heavy because they’re made of metal, or some similar material that is heavier than plastic. Having a heavy card is meant to stand out and leave an impression on onlookers when it’s plopped down on a counter or table. But a heavy card isn’t necessarily a better card. The rates, rewards and fees a card offers are all that really matter.

By: John Kiernan, Personal Finance Editor

The annual percentage rate on a credit card reflects the cost of carrying an unpaid balance for a year. In other words, it’s how much interest you will have to pay. For example, a $10,000 balance on a card with a 15% APR would grow to $11,500 in year’s time, assuming no payments or additional payments are made.

You can learn more about how annual percentage rates work from WalletHub’s APR guide.