Credit Cards

7 Cool-Looking Credit Cards

Get a credit card that looks cool and stands out from the crowd while offering valuable rewards and perks. Here are some of the coolest.

Editor's Note

You can trust the integrity of our balanced, independent financial advice. We may, however, receive compensation from the issuers of some products mentioned in this article. Opinions are the author's alone. This content has not been provided by, reviewed, approved or endorsed by any advertiser, unless otherwise noted below.

Credit cards are a powerful tool in the right hands. You can use them to quickly and easily pay for things without having to carry around large amounts of cash. They can also offer valuable rewards and perks. So long as you pay your balance in full each month, you never have to worry about paying interest.

There are dozens of companies that offer credit cards and hundreds of cards to choose from, each with a unique design. If you’re looking for a cool-looking credit card that’s pleasing to the eye, these are some of the best options.

Why Is It Important to Have a Cool-Looking Credit Card?

You might be wondering why it’s important to have a cool-looking credit card. In all honesty, it’s not important. Any credit card, from the most basic plastic to the fanciest metal card does the same thing: Let’s you make purchases.

In the same token, you could easily live in a house or apartment with no art or pictures on the wall. The home would work just the same, providing shelter and a place to sleep. But few people would argue that you wouldn’t enjoy your home more if it looks nice.

Having a card with a design that you like is a nice way to personalize your wallet and gives you something nice to look at when you’re out shopping. There’s also some overlap between cards with nice designs and cards that offer good rewards and perks.

Why Use a Credit Card

There are many reasons you’d want to use a credit card be one with a fancy design or a more utilitarian design rather than paying for things with cash or a debit card. Here are a few.

Consumer Protection

Using a credit card may give you a number of consumer protections depending on the card you use.

One popular benefit offered by credit cards is extended warranty protection. If you have a problem with an item you buy, these protections may reimburse you if your warranty has already expired.

Other perks may include guaranteed returns or the option to do a chargeback if a merchant fails to deliver on a good or service and also refuses to refund you.

Rewards

Many credit cards offer rewards in the form of airline miles, rewards points, or cash back. Using a credit card that offers these rewards is like everything you buy being on sale.

For example, if you have a card that gives you 2% cash back, you’ll get $2 back for every $100 you spend. You can think of this as everything you buy being on sale for 2%. Over the course of a year, even small amounts of cash back can really add up.

Other rewards, like miles and points, can be redeemed for flights or hotel stays, helping you save money on your next vacation.

Perks

Many premium credit cards come with perks such as fee credits for things like checked baggage fees or enrolling in programs like TSA Precheck or Global Entry or automatic premium status with hotels and airlines. These perks can be worth hundreds of dollars if you can take advantage of them.

Related: Most Exclusive Credit Cards

7 Cool-Looking Credit Cards

If you want a cool-looking credit card with valuable rewards and perks, these are our top choices.

1. Platinum Card® from American Express

  • Rewards: 5x points on flights and hotels, 1x points on other purchases
  • Perks: TSA Precheck or Global Entry fee credit, $200 in Uber credits per year, hotel credits, Marriott Gold status, Hilton Gold status, trip delay and cancellation insurance, $100 in credit for purchases at Saks each year, return protection, purchase protection, extended warranty, airport lounge access
  • Best for: Frequent flyers and travelers

The Platinum Card® from American Express is a classic in the cool-looking card space. It’s a hefty, platinum-colored, metal card that is pleasing to look at and is likely to draw a look from people who haven’t seen one before.

It has a hefty annual fee but offers ways to recoup that fee in the form of fee credits. The card is designed for travelers, giving you complementary hotel status, access to airport lounges, and elevated rewards on travel purchases. If you travel a lot, it can be well worth the cost, but people who won’t take advantage of its airline and hotel programs won’t get nearly as much from the card.

2. Chase Sapphire Reserve® Card

  • Rewards: Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Perks: Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®, $300 annual travel credit, fee credit for TSA Precheck or Global Entry, airport lounge access, benefits and upgrades at select hotels, one year of DoorDash DashPass
  • Best for: Frequent travelers

The Chase Sapphire Reserve® Card is Chase’s response to the American Express Platinum card. It comes with valuable travel perks and rewards, with a sign-up bonus large enough to get you up to $900 to use toward travel. You can travel in style by breezing through security with TSA Precheck and relax in the airport lounge before your flight.

The card has an attractive blue design and is made of metal, which gives it some heft in your wallet. It’s best for people who like to travel as those who don’t spend a lot of time traveling won’t get much out of its rewards or perks.

3. Blue Cash Preferred® Card From American Express

  • Rewards: 6% cash back at U.S. supermarkets (up to $6,000 in spending per year, 1% after) and on select U.S. streaming subscriptions, 3% cash back at U.S. gas stations and on transit, and 1% cash back on everything else. Terms apply.
  • Perks: Rental car insurance, return protection
  • Best for: Drivers and grocery shoppers

The Blue Cash Preferred® Card From American Express comes with an attractive blue design featuring the American Express Centurion logo. It is the first plastic card on this list but its attractive design and rewards make up for that fact.

This card is ideal for people that do a lot of driving or that buy a lot of groceries. Given that food is one of the biggest expenses for the average American family, earning 6% cash back on groceries means saving a lot of money over the course of the year. Terms apply.

For those that want to avoid the $95 ($0 introductory annual fee in the first year) annual fee, the Blue Cash Everyday® Card offers 3% cash back at U.S. supermarkets, and 2% back at select U.S. gas stations and department stores, with no annual fee. However, it has a different design that may not be as visually appealing.

Read our Blue Cash Preferred Card from American Express Review or check it out here.

4. Citi Double Cash Card

  • Rewards: 2% cash back on everything (1% when you make the purchase and 1% when you pay for it)
  • Best for: People who want a single card for every purchase

The Citi Double Cash features an attractive blue and green pattern with some metallic shine. While the card is made of plastic, it’s still quite nice to look at.

The Citi Double Cash is ideal for people who want to keep things simple. You could carry around a dozen credit cards to try to maximize the cash back that you earn in every scenario, but few people have the patience to deal with all of those cards. This card offers one of the best cash back rates for non-category purchases. If you want a single card that will get you solid rewards, it’s hard to go wrong with the Citi Double Cash.

Read more in our Citi Double Cash Card Review.

5. American Express® Gold Card

  • Rewards: 4x points on dining and groceries, 3x points on flights, 1x points on other purchases
  • Perks: $120 in Uber credits each year, $120 in dining credits for select restaurants each year, $100 credit at select hotels, baggage insurance
  • Best for: Occasional travelers who like to dine out

The Gold Card is a step down from the Platinum card, offering fewer perks, but that doesn’t mean it’s a bad card. It has an attractive gold coloring and has more weight to it than a typical credit card.

This card is great for people who enjoy eating at restaurants thanks to the rewards and credits it offers for dining. If you travel once or twice a year, you may also be able to take advantage of the hotel perks that come with it.

American Express sometimes offers an alternate version of the card, which has the same fees, rewards, and perks, but comes with a rose gold coloring. If you want to stand out a bit, asking for the rose gold variant is one way to do that.

6. Apple Credit Card

  • Rewards: 3% cash back at certain merchants, 2% cash back when using Apple Pay, 1% cash back when you use the physical card
  • Perks: Start using the card within minutes of applying, track your spending in the app, additional security features.
  • Best for: Apple enthusiasts who use Apple Pay regularly

If you like minimalist card designs, or even a card that you never have to take out of your wallet, the Apple Credit card might be the right choice for you. It has a simple white design that looks very clean.

The card is designed with Apple Pay in mind, so it’s best for people who use their iPhones regularly. You’ll earn bonus cash back when you use Apple Pay to make purchases, but a minimum of 1% cash back on all purchases. Apple also partners with certain retailers to offer bonus cash back during promotional periods.

Learn more about the Apple Card

7. Verizon Visa Card

  • Annual Fee: None
  • Rewards: 4% on groceries and gas, 3% on dining, 2% on Verizon purchases, 1% everywhere else
  • Perks: Discounts on Verizon services, use rewards toward your Verizon bill or for tech like phones and speakers
  • Best for: Verizon customers who buy a lot of groceries and enjoy going out to eat

The Verizon Visa Card is a plain black card with no numbers on its face and a simple Verizon logo in the corner, making this a very attractive card for those who like the minimalist aesthetic.

The card is useful for much more than just paying your cell phone and internet bill, offering one of the best rewards rates for grocery and restaurant purchases from a card with no annual fee. This makes it a solid choice for people who spend a lot of money in those areas.

Learn more about the Verizon Visa Card

How We Chose These Cards

When we selected these cards, we looked at a few criteria.

Obviously, we considered how the cards look. This list is about cards that look cool, so that was one of our top priorities. While the visual appeal of a credit card is a personal matter, we tried to find cards that fit different tastes, including metal cards, cards you can customize, and more minimalist designs.

We also looked at the rewards offered by the credit cards. One of the top reasons to use a credit card when you do your shopping is to earn rewards. Some very nice-looking cards don’t offer any rewards or have very bad rewards structures, and we excluded them from this list because of that.

Finally, we considered the non-rewards perks that the cards offer. For some premium travel cards, the rewards can be almost an afterthought when compared to the perks they offer, like airline access and hotel status. If you can get a card that looks cool and has these perks, that’s a great bonus.

Related: Best Luxury Credit Cards

FAQs

Here are some frequently asked questions about cool-looking credit cards.

Do metal cards work differently from plastic credit cards?

No, metal credit cards work just the same as plastic credit cards. You can swipe them, use their chip, or tap them to make purchases just as you would with any other card. The metal used in the card’s design gives the card more weight and makes it feel more premium, but doesn’t affect how you use it.

Is it possible to design your own credit card?

There are some credit card issuers that will let you personalize your credit card or choose from different designs. For example, the Discover NHL card lets you choose any of the teams in the National Hockey League and get a card with their logo and colors. Wells Fargo lets you upload any image you’d like to design your card, but reserves the right to refuse to print the card with the image you upload.

How can I choose the best credit card?

While the look of your credit card might be important, you also need to think about the card’s other features, as well as how you plan to use the card. If you mostly use your credit card to do things like grocery shopping or paying for meals at restaurants, look for cards that offer strong rewards on those purchases. If you travel frequently, you’ll want a card that offers travel rewards or perks like airport lounge access. If you have to carry a balance on occasion, get a card with a low interest rate. Choosing a credit card is a personal decision, but if you take the time to think about how you’ll use the card, it can guide that decision and help you make the right choice.

Final Thoughts

Almost everyone has credit cards they use on a regular basis and many cards can wind up looking very similar. If you want to get a credit card that looks cool and stands out from the crowd while offering valuable rewards and perks, you should consider some of the cards on this list.

TJ Porter

TJ Porter

TJ is a Boston-based freelance writer who specializes in credit, credit cards and bank accounts. In his spare time, he enjoys reading, writing, cooking, playing games (of the video and board varieties), soccer, and ultimate frisbee. You can find his work on his website, tjporterwriting.com.


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