Best Cool Credit Card Designs

Updated September 18, 2021
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Best Credit Cards for Cool in September 2021

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American Express Gold Card best for Cash Back

American Express® Gold Card
Apply now
Our Rating:
3.15 out of 5
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 4x Points on dining.
    • 4x Points on groceries.
    • 3x Points on flights.
    • 1x Points on other eligible purchases.
  • Intro Offer:
    • 60,000x Membership Rewards® Points after you spend $4,000 on purchases on your new Card in your first 6 months of Card Membership.
  • Annual Fee:
    $250 annually.
  • Purchase Intro APR:
    None
  • Regular APR:
    15.99% - 22.99% Variable.
  • Balance Transfer APR:
    None
  • Issuer name:
    American Express
  • Details:

    The American Express® Gold Card's annual fee is $250. The card offers 4x points on dining and griceries, 3x on flights and 1x on all other purchases.

    There is a 15.99% to 22.99% variable APR.

    As a new cardholder, you have the chance to earn an impressive 60,000 Membership Rewards Points after spending $4,000 in purchases within your first six months. New cardholders will also have the chance to obtain the alternate Rose Gold art.

    There are no foreign transaction fees with this travel card.

    Add your Gold Card to your Uber account, and you’ll automatically get $10 in Uber Cash each month, for a total of up to $120 per year. You can use your monthly Uber Cash on Uber Eats orders or Uber rides in the U.S.

    Dining from the comfort of your home can save you up to $120 annually. Earn up to $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, Boxed and other participating partners. Enrollment required.

    By booking two consecutive nights or more through the American Express Travel portal at any of 600+ eligible properties with your card, you can receive up to a $100 hotel credit in addition to a possible room upgrade if eligible. The expenses that this credit can cover varies by property, but you can expect money back on qualifying dining, spa services, resort activities and things of that nature.

  • Pros:
    • High rewards rate for select categories
    • Introductory Bonus Points
    • No Foreign Transaction Fee
    • UberCash Credit
    • $120 Dining Credit
  • Cons:
    • Complicated Rewards System
    • High Annual Fee
    • Limited International Acceptance
    • Relatively High Credit Score Requirements
  • Benefits:
    • $120 Uber Cash to Dine or Ride;
    • $100 hotel credit with The Hotel Collection;
    • 60,000 Membership Rewards® Points;
    • 4x Membership Rewards® Points on dining;
    • 4x Membership Rewards® Points on groceries;
    • 3x Membership Rewards® Points on flights;
    • 1x Membership Rewards® Points on all other purchases;
    • Additional Cards;
    • American Express Experiences;
    • Car Rental Loss and Damage Insurance;
    • Baggage Insurance Plan;
    • Global Assist® Hotline;
    • The Hotel Collection.
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Chase Sapphire Reserve® best for Travel, Restaurants, Daily use

Chase Sapphire Reserve® Chase
Apply now
Our Rating:
3.82 out of 5
scorer
Recommended credit score
Excellent (740-799)
  • Rewards Rate:
    • 10x Points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® after the first $300 is spent on travel purchases annually.
    • 10x Total points on Chase Dining purchases with Ultimate Rewards®.
    • 5x Total points on flights when you purchase travel through Chase Ultimate Rewards® after the first $300 is spent on travel purchases annually.
    • 3x Points on other travel worldwide after the first $300 is spent on travel purchases annually.
    • 3x Points on other dining at restaurants, including eligible delivery services, takeout and dining out.
    • 1x Point per dollar spent on all other purchases.
  • Intro Offer:
    • 60,000x Bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
  • Annual Fee:
    $550 annually. $75 annually, for each authorized user.
  • Purchase Intro APR:
    None
  • Regular APR:
    16.99% - 23.99% Variable.
  • Balance Transfer APR:
    16.99% - 23.99% Variable.
  • Issuer name:
    Chase
  • Details:

    Earning rewards with the Chase Sapphire Reserve® is very straightforward.

    New cardmembers can earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®. The bonus points are worth $750 when redeemed through Chase Ultimate Rewards for airfare, hotels, car rentals, or cruises.

    Transfer your points to leading airline and hotel loyalty programs at 1 to 1 value. That means 1,000 Chase Ultimate Rewards points equal 1,000 partner miles/points.

    Cardmembers receive a $300 credit each card anniversary to be used toward travel. This credit is applied as a statement credit for travel purchases automatically. The card also offers a $100 statement credit every four years toward the Global Entry or TSA PreCheck® Fee.

  • Pros:
    • No foreign transaction fees
    • High rewards rate
    • High value benefits
    • Metal card
  • Cons:
    • High annual fee
    • Extra Fees
  • Benefits:
    • 60,000 bonus points;
    • 10x total points on hotels and car rentals;
    • 10x total points on Chase Dining purchases;
    • 5x total points on flights;
    • 3x points on other travel;
    • 3x points on other dining;
    • $300 Annual Travel Credit;
    • Zero liability protection;
    • 50% more redemption value;
    • Global Entry or TSA Pre✓® Fee Credit ;
    • Complimentary Airport Lounge Access;
    • The Luxury Hotel & Resort Collection;
    • Trip Cancellation/Interruption Insurance;
    • Auto Rental Collision Damage Waiver;
    • Lost Luggage Reimbursement;
    • Emergency Evacuation & Transportation.
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Discover Bank Discover it® Cash Back best for Cash Back, 0 APR, No Annual Fee, Young couples, Daily use

Discover it® Cash Back Discover Bank
Apply now
Our Rating:
5 out of 5
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5% Cash Back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
    • 1% Cash Back on all other purchases.
  • Intro Offer:
    • 2x New cardmembers get double Cash Back in the first year (awarded after the first year).
  • Annual Fee:
    None
  • Purchase Intro APR:
    0% Intro APR for 14 months from date of account opening.
  • Regular APR:
    11,99% - 22,99% Variable.
  • Balance Transfer APR:
    11,99% - 22,99% Variable.
  • Issuer name:
    Discover Bank
  • Details:

    The Discover it® Cash Back Credit Card offers 5% Cash Back on up to $1,500 spent each quarter on rotating bonus categories like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, each time you activate them. However, you’ll only receive 1% Cash Back on all other purchases. Instead of extending a traditional sign-up bonus to new cardholders, Discover will match all the Cash Back you earn during the first year.

    Discover it Cash Back doesn’t offer some of the benefits that come standard with many other credit cards, including price protection and extended warranty coverage. However, as a cardholder, you have zero-liability fraud protection, plus free access to your FICO credit score and alerts if your Social Security number shows up on a risky website. If someone steals your credit card or you lose it, you can freeze your account from your mobile app or online account, plus get free overnight delivery for your replacement card.

    The Discover it® Cash Back Credit Card has a generous introductory offer: 0% intro APR for 14 months on purchases and balance transfers, and then the ongoing APR of 11.99% - 22.99% Variable APR. The balance transfer fee is an introductory 3% of the amount transferred, but can be as high as 5% on future balance transfers (see terms). That's on par with other balance transfer cards.

  • Pros:
    • No Foreign Transaction Fee
    • Bonus Cash Back categories
    • No annual fee
    • Intro APR period on Purchases and Balance Transfers
  • Cons:
    • Extra Fees
    • Low rewards rate for most purchases
  • Benefits:
    • 5% Cash Back on everyday purchases at different places each quarter;
    • 1% Cash Back on all other purchases;
    • Only Discover® Cashback Match;
    • $0 Fraud Liability;
    • FICO® Credit Score;
    • 24/7 customer service line.
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Discover Bank Discover it® Secured best for Cash Back, No Annual Fee, Young couples, For bad credit

Discover it® Secured Discover Bank
Apply now
Our Rating:
4.13 out of 5
scorer
Recommended credit score
No Credit History to Poor (0-579)
  • Rewards Rate:
    • 2% Cash Back at gas stations and restaurants on up to $1,000 in purchases each quarter.
    • 1% Cash Back on all other purchases.
  • Intro Offer:
    • 2x Discover will automatically match all the cash back you’ve earned at the end of your first year.
  • Annual Fee:
    None
  • Purchase Intro APR:
    None
  • Regular APR:
    22,99% Variable.
  • Balance Transfer APR:
    10,99% The APR for 6 months from date of first transfer. 22,99% The APR after 6 months from date of first transfer.
  • Issuer name:
    Discover Bank
  • Details:

    The Discover it® Secured Credit Card offers 2% Cash Back on gas stations and restaurants up to $1,000 in combined spending per quarter, and 1% on everything else, but Discover will match dollar-for-dollar all those rewards at the end of the first year.

    The Discover it® Secured Credit Card requires you to put down a refundable security deposit. That deposit becomes your credit line. Minimum deposit is $200. The maximum credit limit is $2,500.

    The Discover it® Secured Credit Card reports to the three major credit bureaus (TransUnion, Equifax and Experian).

    The interest on the Discover it® Secured Credit Card is not very attractive: It comes with 10.99% intro APR on Balance Transfers for 6 months, and then 22.99%.

  • Pros:
    • Multiple rewards programs
    • No annual fee
    • Monthly credit reviews
    • Double cashback for the first year
    • Upgrade to an unsecured credit card
  • Cons:
    • High APR
    • Minimum deposit requirement
    • Not widely accepted internationally
  • Benefits:
    • Refundable security deposit;
    • $0 Fraud Liability;
    • No Foreign Transaction Fees;
    • 2% Cash Back at gas stations and restaurants;
    • 1% Cash Back on all other purchases;
    • Unlimited Cashback Match;
    • 99% nationwide acceptance.
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Discover Bank Discover it® Student chrome best for College

Discover it® Student chrome Discover Bank
Apply now
Our Rating:
4.12 out of 5
scorer
Recommended credit score
No Credit History to Poor (0-579)
  • Rewards Rate:
    • 2% Cash Back at gas stations and restaurants.
    • 1% Cash Back on all other purchases like books, groceries and college staples with the student Discover® card designed for your lifestyle in college and beyond.
  • Intro Offer:
    • Unlimited Cashback Match:
    • Match all Cash Back earned at the end of your first year.
  • Annual Fee:
    None
  • Purchase Intro APR:
    0% Intro APR for 6 months from date of account opening.
  • Regular APR:
    12,99% - 21,99% Variable.
  • Balance Transfer APR:
    10,99% The APR for 6 months from date of first transfer. 12,99% - 21,99% Variable.
  • Issuer name:
    Discover Bank
  • Details:

    The Discover it Student chrome gives college and university students a way to establish a credit history.

    With no annual fee, this card is a convenient way to pay for those common purchases, where you’ll get 2% Cash Back rewards when you fuel up or go out to eat. That isn’t a whole lot compared to some other cards. But since Discover will double your rewards in the first year, that makes 4% back on those categories. Plus you’ll get 2% back on every other purchase in that first year, which is better than most cards. That’s pretty good for a card with no annual fee.

    Discover also forgives your first late fee if you fall behind on one payment. Paying late won’t raise your APR, and you won’t incur a fee if you happen to exceed your limit. After excusing that first late payment, the fee going forward is up to $40. Cash advance fees are either $10 or 5 percent of the amount, whichever is greater. Finally, balance transfers have a fee of 3 percent intro balance transfer fee, up to 5 percent fee on future balance transfers, with a 10.99 percent APR balance transfer offer for the first six months. After that the variable APR of 12.99 percent to 21.99 percent applies.

    There are some handy perks for students, like a good grades statement credit and the ability to monitor one of your FICO credit scores. The interest rates and fees are quite favorable too, good for first-time cardholders.

    Once you become a Discover it® Student cardmember, you can earn a statement credit each time you refer a friend and they’re approved. Over half a million students got Discover Cards from their friends' recommendations.

    You'll also get $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.

  • Pros:
    • Good Grade Reward
    • Unlimited Cashback Match
    • 0% Intro APR
    • No Annual Fee
  • Cons:
    • There are earning caps on some categories
    • Less coverage outside of the U.S
  • Benefits:
    • 2% Cash Back at gas stations and restaurants;
    • Unlimited 1% Cash Back on all other purchases;
    • Unlimited Cashback Match;
    • $20 statement credit each school year;
    • FICO credit score;
    • $0 Fraud Liability.
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First Progress Platinum Elite Mastercard® Secured Synovus Bank
Apply now
Our Rating:
1.28 out of 5
scorer
Recommended credit score
No Credit History to Poor (0-579)
  • Rewards Rate:
    • This card doesn't offer cash back, miles or points.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    $29 annually.
  • Purchase Intro APR:
    None
  • Regular APR:
    19.99% Variable.
  • Balance Transfer APR:
    None
  • Issuer name:
    Synovus Bank
  • Details:

    The First Progress Platinum Elite Mastercard Secured Credit Card is designed to help cardholders build credit with no credit check or minimum credit score required to apply.

    As a secured credit card, the First Progress Platinum Elite Mastercard doesn’t come with any welcome offers, sign-up bonuses or reward rates. Instead, its biggest draw is providing access to credit even if your credit history or credit rating isn’t ideal.

    As a Mastercard-branded credit option, this First Progress card is accepted nationwide. This puts it a step above retail-branded credit cards that can help boost your credit rating but only allow you to make purchases in their brick-and-mortar or online stores.

    The initial Credit Limit for your Account will be equal to the amount of the Deposit that you make with us, which must be at least $200 (see “Security Interest” above). However, if you choose to deposit more than $200 your initial deposit and corresponding Credit Limit must be at least $300 and may not exceed $2,000.

  • Pros:
    • No credit history required
    • No Minimum Credit Score needed
    • Low Annual Percentage Rates
    • It builds your Credit Score
  • Cons:
    • No option to graduate to an unsecured credit card
    • Credit limit is equal to your deposit amount
    • There is no Rewards program
    • There are some area restrictions
  • Benefits:
    • No Minimum Credit Score;
    • No Credit History Required;
    • Accepted Nationwide.
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Milestone® Gold Mastercard® The Bank of Missouri
Apply now
Our Rating:
1.1 out of 5
scorer
Recommended credit score
No Credit History to Fair (0-669)
  • Rewards Rate:
    • This card doesn't offer cash back, miles or points.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    $35 - $99 annually.
  • Purchase Intro APR:
    None
  • Regular APR:
    24.90% Regular.
  • Balance Transfer APR:
    None
  • Issuer name:
    The Bank of Missouri
  • Details:

    The Milestone® Gold Mastercard® is a credit card for people with bad credit.

    The Milestone® Gold card's APR: 24.90% (Regular). Plus, the card has a cash advance APR of 29.90% and a penalty APR of 29.90%.

    The credit limit for a Milestone® Gold Mastercard® is $300.

  • Pros:
    • Low application requirements
    • No security deposit
    • Low foreign transaction fee
    • Reports to three major credit bureaus
  • Cons:
    • Annual fee
    • Additional fees and high APR
    • Low credit limit
    • No rewards system
  • Benefits:
    • Fraud Protection;
    • Credit Bureau Reporting;
    • Extended warranty coverage;
    • Mastercard Global Service;
    • Easy Pre-Qualification;
    • Full Mastercard Perks;
    • 24/7 Account Management.
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Indigo® Platinum Mastercard® Celtic Bank
Apply now
Our Rating:
1.1 out of 5
scorer
Recommended credit score
No Credit History to Fair (0-669)
  • Rewards Rate:
    • This card doesn't offer cash back, miles or points.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    $59 annually.
  • Purchase Intro APR:
    None
  • Regular APR:
    24.9% Regular.
  • Balance Transfer APR:
    None
  • Issuer name:
    Celtic Bank
  • Details:

    The Indigo® Platinum credit card provides a good option for those who have bad credit or no credit history.

    The Indigo® Platinum Mastercard® reports to all three major credit bureaus: TransUnion, Equifax and Experian.

    The Indigo® Platinum Mastercard® has a high APR of 24.9%.

    During the first year, you can experience a 0% fee on cash advances. After this grace period expires, you will be charged $5 or 5% of each transaction amount.

    When it comes to foreign transaction fees, you will incur a 1% fee for every transaction, no matter the currency used in the purchase.

    Unfortunately, the Indigo credit card does not have any sign-up bonus or welcome offer. It also does not offer any rewards or cash back programs.

  • Pros:
    • No security deposit
    • Quick and easy to apply
    • Pre-qualification
    • Fraud protection
    • Has Mastercard ID Theft Protection
  • Cons:
    • Low credit limit
    • No rewards or one-time offers
    • Foreign transaction fee
  • Benefits:
    • A low foreign transaction fee of 1 percent;
    • Choice of Card Image;
    • Fraud Protection;
    • 24/7 Account Access;
    • Extended warranty coverage.
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Discover Bank Discover it® Student Cash Back best for Student

Discover it® Student Cash Back Discover Bank
Apply now
Our Rating:
5 out of 5
scorer
Recommended credit score
No Credit History to Fair (0-669)
  • Rewards Rate:
    • $20 Earn statement credit each school year your GPA is 3.0 or higher for up to the next five years.
    • 5% Cash Back on everyday purchases during the school year (and all year long) at different places each quarter, such as Amazon, Grocery stores, Restaurants, Gas stations.
    • 1% Cash Back on all other purchases.
  • Intro Offer:
    • 2x Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Annual Fee:
    None
  • Purchase Intro APR:
    0% Intro APR for 6 months from date of account opening.
  • Regular APR:
    12,99% - 21,99% Variable.
  • Balance Transfer APR:
    10,99% The APR for 6 months from date of first transfer. 12,99% - 21,99% Variable.
  • Issuer name:
    Discover Bank
  • Details:

    The Discover it® Student Cash Back card gives you 5% Cash Back on everyday purchases during the school year (and all year long) at different places each quarter and 1% Cash Back on all other purchases. With Cashback Match, get an unlimited dollar-for-dollar match of all the Cash Back you've earned at the end of your first year.

    The card gives a $20 statement credit each year if you maintain a 3.0 GPA, free access to your FICO score, and an annual fee of $0.

    The Discover it® Student Cash Back offers 0% Intro purchase APR and 12.99% to 21.99% variable APR (after 6 months).

  • Pros:
    • High rewards on rotating spending categories
    • Double rewards in the first year
    • Good grades rewards
    • Intro 0% APR for on purchases
    • Low approval requirements for a card
    • No foreign transaction fee
  • Cons:
    • Spending categories rotate every quarter
    • Manual activation of spending categories
    • Limited international acceptance
    • Not available for international students
  • Benefits:
    • Good Grades Reward;
    • Free access to FICO score;
    • Designed just for students;
    • $20 Statement credit;
    • 5% Cash Back on everyday purchases, 1% Cash Back on all other purchases;
    • 24/7 U.S.-based customer service.
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First Premier First PREMIER Bank
Apply now
Our Rating:
0.88 out of 5
scorer
Recommended credit score
No Credit History to Fair (0-669)
  • Rewards Rate:
    • This card doesn't offer cash back, miles or points.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    $50 - $125 for the first year. $45 - $49 thereafter.
  • Purchase Intro APR:
    None
  • Regular APR:
    36.00% Regular.
  • Balance Transfer APR:
    None
  • Issuer name:
    First PREMIER Bank
  • Details:

    The First PREMIER Bank Mastercard is aimed at people looking to build or rebuild their credit score.

    The APR for purchases and cash advances is 36%.

    This card also has several fees that vary depending on your credit limit. One of them is an annual fee that costs between $45 and $125. There’s also a one-time program fee that ranges from $55 to $95. Additionally, you’ll have to pay a monthly fee that costs up to $10.40.

    First Premier also charges 3% for foreign transactions, up to $39 for late or returned payments and $29 for an additional card for an authorized user.

    If you want a higher credit limit, which you can apply for after 13 months, you’ll have to pay another fee that’s equal to 25 percent of the increase.

    First Premier provides free text and email alerts about your most recent transactions, available credit, payment history and more, which makes it easy to keep tabs on your finances.

    If you want to monitor your credit more closely, you can sign up for Premier Credit Manager. The program costs $3.99 per month and gives you access to your Experian credit report twice a month as well as your Experian VantageScore every two weeks. It also monitors your credit report and alerts you when there are any changes.

  • Pros:
    • Widely Accepted
    • Fast Approval
    • Monthly Credit Bureau Reporting
    • Accessible for applicants with poor credit
    • Increase Your Credit Limit
  • Cons:
    • High Program, Annual, and Monthly Fees
    • High-Interest Rate
    • High Credit Limit Increase Fee
    • No Rewards
    • There is a fee for just about everything
  • Benefits:
    • Credit protection;
    • Digital wallet;
    • Free FICO score;
    • Credit Bureau Reporting.
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