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Best Cool Credit Card Designs

Compare 36 cool credit cards on Myfin.us.

By Myfin Team
Reviewed by Anastasia Staples
Updated March 15, 2024

Best Credit Cards for Cool in March 2024

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Capital One Platinum Credit Card best for Without SSN

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Platinum Mastercard Capital One
Annual fee:
$0
Regular APR:
30.74% Variable
Our Rating:
2.84
scorer
Credit score
Fair (580-669)
  • Balance Transfer APR:
    30.74% Variable
  • Issuer name:
    Capital One
  • Details:

    The Capital One Platinum Mastercard credit card’s claim to aesthetic recognition is its sleek and futuristic design. This credit card features a black and blue contour background image and a sleek and minimalist foreground layout.

    The Capital One Platinum Mastercard is one of the few credit cards that offer approvals with a fair credit score. This trait makes it perfect for anyone looking for a simple, no-frills approach to building credit. It charges no annual or foreign transaction fees, and it doesn’t penalize you with a higher APR if you make late payments.

    Best of all, you’ll also have access to all the great benefits that come with being a Platinum Mastercard holder.

  • Pros:
    • Chance to get a higher credit limit: Qualifying for the Capital One Platinum Mastercard may give you a chance to get a higher credit limit, which can help improve your credit score.
    • No annual fee: Owning the Capital One Platinum Mastercard means you don’t have to worry about paying an annual fee. This can save you money over time and help you keep your expenses low.
    • No foreign transaction fees: When traveling abroad, you can use your Capital One Platinum Mastercard without having to worry about any additional foreign transaction fees. This can save you a lot of money on every purchase you make while in another country.
    • Platinum Mastercard benefits: As a Platinum Mastercard holder, you’ll enjoy access to a variety of valuable benefits, such as travel accident insurance, extended warranty coverage and more. Plus, cardholders have exclusive access to Priceless Cities experiences like VIP concert tickets and elite hotel privileges.
    • No penalty APR for late payments: If you miss a payment, your interest rate will not increase as it would with some other cards. You may also be able to get back on track by taking advantage of the no-late-payment grace period offered by this credit card.
    • Get approval with a fair credit score: If your credit score isn’t quite up to snuff for some of the more prestigious cards on the market, the Capital One Platinum Mastercard may be a good option. This card is designed for people who have average or fair credit, so you’re more likely to be approved even if your credit history isn’t perfect.
  • Cons:
    • High regular APR: The regular variable APR for purchases with the Capital One Platinum Mastercard is quite high when compared with other cards on the market. So if you tend to carry a balance from month to month, this may not be the best card for you.
    • No rewards: Unlike premium credit cards, the Capital One Platinum Mastercard doesn’t offer a rewards program. This means you won’t earn points or cash back on your purchases, which could limit your ability to save money in the long run.
    • No sign-up bonus: This card does not offer a sign-up bonus like some of its competitors. So if you’re looking for an immediate incentive to switch cards, you may want to look elsewhere.
    • You don’t get to enjoy a reduced introductory rate: One of the biggest drawbacks of the Capital One Platinum Mastercard is that you don’t get to enjoy a reduced introductory APR like you would with some other cards. So if you’re looking for a way to save on interest payments in the short term, this may not be the card for you.
  • Benefits:
    • No Foreign Transaction Fees;
    • $0 Fraud Liability;
    • ATM Location Services;
    • Emergency Card Replacement;
    • Autopay;
    • 24/7 Customer Service.
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Total Visa® Card The Bank of Missouri
Annual fee:
$75.00 for the 1st year, $48.00 after
Regular APR:
35.99% *
Our Rating:
3.32
scorer
Credit score
Rebuilding Credit to Fair (0-669)
  • Rewards Rate:
    • 1% Cash Back on all purchases.
  • Issuer name:
    The Bank of Missouri
  • Details:

    The Total Visa® Card is a credit card for people with bad credit score or limited credit. It does not require a credit check to apply.

    The Total Visa® Card's Regular APR is 35.99%.

    The Total Visa® Card allows you to choose your own card design.

    Read full review

  • Pros:
    • Low Requirements
  • Cons:
    • Annual Fee
    • High Regular APR
    • No Intro APR period
    • Extra Fees
  • Benefits:
    • $0 fraud liability;
    • Reports monthly to all three major credit bureaus;
    • Manageable monthly payments;
    • Select your favorite card design for free.
View all Total Visa® Card details
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On the Total Visa® Card secure website
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Secured Mastercard® Merrick Bank
Annual fee:
$36 for first year. Billed $3 per month thereafter
Regular APR:
22.70% Variable
Our Rating:
3.2
scorer
Credit score
No Credit History to Poor (0-579)
    • Issuer name:
      Merrick Bank
    • Details:

      The Merrick Bank Secured Mastercard® credit card is a card designed for building or rebuilding credit. The cardholder’s initial credit line will be equal to the amount of their security deposit, which can be between $200 and $3,000.

      The Annual Fee is $36 the first year. Billed $3 dollars per month thereafter.

      The Card's APR: 22.70% Variable for purchases.

      The Secured Mastercard® credit card reports to all three major credit bureaus.

      Read full review

    • Pros:
      • Up to $3000 credit limit
      • Reports to three major credit bureaus
      • You don’t need a bank account to apply
      • Access to FICO score
      • Low APR
    • Cons:
      • No rewards or intro offers
      • $200 minimum deposit
      • Extra fees
      • $36 annual fee
    • Benefits:
      • Monthly Reporting to the 3 Major Credit Bureaus;
      • $0 Fraud Liability;
      • Low interest;
      • FICO® Score for Free Each Month.
    View all Secured Mastercard® details
    Apply now
    On Merrick Bank‘s site
    Card detail
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    First Progress Platinum Select Mastercard® Secured Synovus Bank
    Annual fee:
    $39 annually
    Regular APR:
    19.24% Variable
    Our Rating:
    3.5
    scorer
    Credit score
    No Credit History to Fair (0-669)
    • Rewards Rate:
      • 1% Cash Back on payments made to your First Progress Secured credit card account.
    • Issuer name:
      Synovus Bank
    • Details:

      The First Progress Platinum Select MasterCard® Secured is designed to help cardholders build credit with no credit check or minimum credit score required to apply.

      The First Progress Platinum Select MasterCard® Secured Credit Card earns 1% Cash Back on payments made to your First Progress Secured credit card account.

      The card's APR: 19.24% (Variable for Purchases), 25.24% (Variable for Cash Advances).

      The First Progress Platinum Select MasterCard® has an annual fee of $39. Plus, the card has a foreign transaction fee of 3%.

      Read full review

    • Pros:
      • No credit history required
      • No Minimum Credit Score needed
      • Low Annual Percentage Rates
    • Cons:
      • Annual Fee
      • Foreign Transaction Fee
    • Benefits:
      • 1% Cash Back on payments made to your First Progress Secured credit card account;
      • Accepted Nationwide;
      • No Minimum Credit Score;
      • No Credit History Required.
    View all First Progress Platinum Select Mastercard® Secured details
    Apply now
    On First Progress’s site
    Card detail

    Chase Sapphire Reserve® best for Travel, Restaurants, Daily use

    Chase Sapphire Reserve®
    Annual fee:
    $550 annually ($75 for each authorized user)
    Regular APR:
    22.49% - 29.49% Variable
    Our Rating:
    3.86
    scorer
    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. That's $900 toward travel when you redeem through Chase Ultimate Rewards®.
    • Balance Transfer APR:
      22.49% - 29.49% Variable
    • Issuer name:
      Chase
    • Details:

      The Chase Sapphire Reserve® is a metal credit card featuring a sleek, modern design accentuated by deep blacks and captivating rays of blue.

      While its looks are what won it a spot on this list, this credit card is worth checking out for more than its eye-catching design. Its status as one of the best premium rewards cards on the market makes it a solid overall choice.

      With the Chase Sapphire Reserve®, you get more than just a pretty credit card. You will also enjoy a $300 annual travel credit, 3x points on travel (after the first $300 is spent on travel purchases annually) and dining purchases, and excellent additional benefits. Plus, any points earned using the card are worth 50% more if redeemed for travel through the issuer’s portal. If you are a frequent flier, you can quickly offset its $550 annual fee.

    • Pros:
      • Metal credit card: For the style-conscious, this is an obvious boon. Both for their distinct looks and relative rarity, metal credit cards have become somewhat of a status symbol capable of turning heads wherever you use them.
      • No foreign transaction fees: No matter where you are on the planet, making purchases with your Chase Sapphire Reserve® credit card helps you avoid steep foreign transaction fees (usually 3%). For example, $5,000 spent outside the United States saves you $150 on fees which other cards don’t waive.
      • High rewards rate: Purchases made with the Chase Sapphire Reserve® credit card earn 3x points on travel (after the first $300 is spent on travel purchases annually) and dining. You can also maximize this further by purchasing dining, hotel, and car rentals through the Chase Ultimate Rewards program, which all earn 10x points.
      • High-value benefits: The Chase Sapphire Reserve® credit card is your key to the VIP life. You’ll enjoy high-value benefits, such as access to over 1,000 VIP lounges in over 500 cities worldwide, complimentary room upgrades at select hotels and resorts, up to a $10,000 reimbursement per person for qualifying trip cancellations, and more.
    • Cons:
      • High annual fee: At $550, the annual fee for a Chase Sapphire Reserve® isn’t anything to scoff at.
      • Extra fees: Steep fees for balance transfers, cash advances, penalties, return payments, and late payments might seem excessive for what is already a relatively expensive card.
    • 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.
    Card detail

    American Express® Gold Card best for Cash Back

    American Express® Gold Card
    Annual fee:
    $250 annually
    Regular APR:
    21.24% - 29.24% Variable
    Our Rating:
    2.93
    scorer
    Credit score
    Good to Excellent (670-799)
    • Rewards Rate:
      • 4x Points on dining at restaurants worldwide, plus takeout and delivery in the U.S.
      • 4x Points on groceries at U.S. supermarkets on up to $25,000 in purchases per year.
      • 3x Points on flights booked directly with airlines or on amextravel.com.
      • 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.
    • Issuer name:
      American Express®
    • Details:

      The American Express® Gold Card is available in both elegant gold and eye-catching rose gold, adding a touch of luxury to your everyday transactions. Although this card is a step down in prestige from its Platinum counterpart, sliding this card out of your wallet at any register draws looks of esteem and envy.

      But a stylish appearance is not all this card has to offer. You'll also enjoy $120 in Uber Cash per year to spend on Uber Eats and rides, as well as $120 in annual dining credits. Plus, you'll earn 4x Membership Rewards points on dining purchases (including takeout and delivery in the U.S.) and at U.S. supermarkets, making it easy to rack up rewards when you're grabbing dinner or stocking up on groceries.

    • Pros:
      • High rewards rate for select categories: The American Express® Gold Card offers 4x points at U.S. supermarkets and restaurants worldwide and 3x points on flights booked directly with airlines on on amextravel.com.
      • Introductory bonus points: Spending $4,000 in purchases on the card within your first six months of card membership entitles you to earn 75,000 membership rewards points.
      • No foreign transaction fees: If you're looking to avoid foreign transaction fees, the American Express® Gold Card is a great option. This card doesn't charge any fees for purchases made abroad, which can save you a lot of money if you frequently travel or make purchases in foreign currencies.
      • Uber Cash credit: Get $10 in Uber Cash every month that you remain an American Express Gold cardholder, and earn 4x Membership Rewards points for each UberEats purchase. That’s $120 of free food and rides every year, plus you can redeem rewards points to treat yourself some more.
      • $120 dining credit: Every month, American Express Gold cardholders get a $10 dining credit they can use at participating restaurants and food delivery services. By enrolling in this benefit, you can accrue savings of up to $120 annually.
    • Cons:
      • Complicated rewards system: American Express Gold cardholders may find themselves frustrated by the complex rewards system that requires cardholders to keep track of bonus points in different categories.
      • High annual fee: The American Express® Gold Card comes with a high annual fee. It has one of the highest annual fees of any credit card offering similar benefits. So, if you're not sure that you'll use all of the benefits that come with this card, it may not be worth it for you to pay the fee.
      • Limited international acceptance: American Express is not as widely accepted as Visa or Mastercard, so you might have trouble using your card at some overseas destinations.
      • Relatively high credit score requirements: To qualify for the American Express® Gold Card, you’ll likely need a credit score in the high 700s.
    • Benefits:
      • Up to $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 at restaurants;
      • 4x Membership Rewards® Points on groceries at U.S. supermarkets;
      • 3x Membership Rewards® Points on flights booked directly with airlines or on amextravel.com;
      • 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;
      • Terms Apply.
    Card detail

    American Express Blue Cash Preferred best for Gas, Groceries, Streaming services, Daily use

    Blue Cash Preferred® American Express
    Annual fee:
    $0 intro annual fee for the first year
    $95 for the rest years
    Regular APR:
    19.24% - 29.99% Variable
    Our Rating:
    5
    scorer
    Credit score
    Good to Excellent (670-799)
    • Rewards Rate:
      • 6% Cash Back at U.S. Supermarkets on up to $6,000 per year in purchases (then 1%).
      • 6% Cash Back on streaming (select U.S. streaming subscriptions).
      • 3% Cash Back on transit. Transit includes taxis, rideshare, parking, tolls, trains, buses, and more.
      • 3% Cash Back at U.S. Gas Stations.
      • 1% Cash Back on other purchases.
    • Intro Offer:
      • $250 Back after you spend $3,000 in purchases on the Card within the first 6 months of Card Membership. You will receive the $250 back in the form of a statement credit.
    • Purchase Intro APR:
      0% Introductory APR for the first 12 months from the date of account opening
    • Balance Transfer APR:
      19.24% - 29.99% Variable
    • Issuer name:
      American Express®
    • Details:

      The American Express® Blue Cash Preferred® credit card is one of the most standout credit cards on the market. Its striking design juxtaposes a picture of Amex's iconic Centurion logo over a deep blue background, making it instantly recognizable.

      Aside from aesthetics, this credit card from American Express® offers an extensive range of benefits. You’ll get up to 6% cash back at U.S. supermarkets (on up to $6,000 in spending per year) and on streaming subscription services, plus 3% back for transit.

      Its introductory offers include a 0% APR on purchases for 12 months from the date of account opening (19.24% - 29.99% variable APR thereafter) and $350 after charging $3,000 on the card within the first six months. The annual fee is $0 intro annual fee for the first year, $95 thereafter.

      If you're looking for a great cash back option, be sure to check out the American Express® Blue Cash Preferred® credit card.

    • Pros:
      • Excellent cash back rates: The American Express® Blue Cash Preferred® offers 6% cash back on U.S. supermarket purchases (up to $6,000 in spending per year, then 1%) and streaming subscriptions. It also offers 3% cash back for transit, including U.S. gas stations, and 1% cash back on other purchases.
      • 0% purchase APR in the first 12 months: If you are looking to finance a large purchase, the American Express® Blue Cash Preferred® offers a lengthy 0% purchase APR period for 12 months from the date of account opening (19.24% - 29.99% variable APR thereafter). This gives you some breathing room to pay off your debt without accruing additional interest charges.
      • Great introductory bonus: The American Express® Blue Cash Preferred® offers a great introductory bonus. In addition to the 0% purchase APR mentioned above, you also get $350 after spending $3,000 in the first six months.
    • Cons:
      • Cash back cap: The American Express® Blue Cash Preferred® card has a cash back cap of $6,000 per year on grocery purchases. That means cardholders who spend more than $500 per month on groceries on their card will only earn 1% cash back on purchases beyond the cap.
      • Annual fee: The American Express® Blue Cash Preferred® is free for the first year. After that, members have to pay a $95 annual fee.
      • Foreign transaction fee: American Express® charges a 3% foreign transaction fee on purchases made with the Blue Cash Preferred® card. If you frequently make purchases abroad, those charges can quickly offset any savings you might enjoy on U.S. purchases.
    • Benefits:
      • Earn $250 Back (in the form of a statement credit);
      • 6% Cash Back at U.S. Supermarkets on up to $6,000 per year in purchases (then 1%);
      • 6% Cash Back on streaming subscriptions;
      • 3% Cash Back on transit;
      • 3% Cash Back at U.S. Gas Stations;
      • 1% Cash Back on other purchases;
      • Extended warranty;
      • Fraud Protection;
      • Return Protection;
      • Car Rental Loss and Damage Insurance;
      • Global Assist® Hotline;
      • Pay It Plan It®;
      • American Express Experiences;
      • Terms Apply.
    Card detail

    Chase Freedom Unlimited® best for Cash Back, 0 APR, No Annual Fee, Daily use

    Chase Freedom Unlimited®
    Annual fee:
    $0
    Regular APR:
    20.49% - 29.24% Variable
    Our Rating:
    5
    scorer
    Credit score
    Good to Excellent (670-799)
    • Rewards Rate:
      • 5% Cash Back on travel purchased through Chase Ultimate Rewards.
      • 3% Cash back on dining at restaurants, including takeout and eligible delivery services.
      • 3% Cash Back on drugstore purchases.
      • 1.5% Cash Back on all other purchases.
    • Intro Offer:
      • $200 Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
    • Purchase Intro APR:
      0% Intro APR for the first 15 months that your Account is open
    • Balance Transfer APR:
      20.49% - 29.24% Variable
    • Issuer name:
      Chase
    • Details:

      The Chase Freedom Unlimited® credit card catches the eye with a sweeping stroke of light on a silky blue background. But this highly popular card is not just for show.

      The Chase Freedom Unlimited® credit card is one of the best cash back cards around. It earns a high cash back rewards rate of 5% on travel purchases through the Chase Ultimate Rewards program. Additionally, it offers a relatively generous 1.5% cash back rate on all other purchases.

      Plus, your cash back rewards never expire, and there is no annual fee to worry about. If you need to make a purchase or transfer a balance, you can take advantage of 0% intro APR for 15 months from account opening (20.49% - 29.24% variable APR thereafter).

    • Pros:
      • No annual fee: The Chase Freedom Unlimited® credit card does not carry an annual fee. This means you can enjoy all the benefits of the card without having to worry about paying a hefty price year after year.
      • Generous rewards: The Chase Freedom Unlimited® credit card offers a generous rewards program, giving you at least 1.5% cash back on all purchases. Plus, there is no cap on how much cash back you can earn, making this a great option for big spenders.
      • 0% intro APR: This card offers a 0% introductory APR for the first 15 months on purchases and balance transfers, giving you some breathing room to pay off your debt. After that, a variable APR of 20.49% - 29.24% will apply.
      • Sign-up bonus: Earn a $200 bonus after you spend $500 on purchases in the first three months.
    • Cons:
      • Foreign transaction fee: Chase charges a 3% foreign transaction fee if you use your Freedom Unlimited® credit card abroad or for foreign transactions. This can quickly add up, so it’s best to avoid using your card for these types of purchases whenever possible.
    • Benefits:
      • Zero Liability Protection;
      • $200 intro bonus;
      • 5 percent Cash Back on all travel purchased via the Chase Ultimate Rewards portal;
      • 3 percent back on dining;
      • 3 percent back at drugstores;
      • 1.5 percent Cash Back on general purchases;
      • Auto Rental Collision Damage Waiver;
      • Trip Cancellation/Interruption Insurance;
      • Travel and Emergency Assistance Services;
      • 24/7 Fraud Protection;
      • Redeem for Cash Back;
      • Gift cards.
    Card detail

    Chase Sapphire Preferred® best for Travel, Restaurants, Daily use

    Chase Sapphire Preferred®
    Annual fee:
    $95 annually
    Regular APR:
    21.49% - 28.49% Variable
    Our Rating:
    4.25
    scorer
    Credit score
    Good to Excellent (670-799)
    • Rewards Rate:
      • $50 Earn up to $50 in statement credits each account anniversary year for hotel stays purchased through Chase Ultimate Rewards®.
      • 5x Points on travel purchased through Chase Ultimate Rewards®, excluding hotel purchases that qualify for the $50 Anniversary Hotel Credit.
      • 3x Points on dining, including eligible delivery services, takeout and dining out.
      • 3x Points on online grocery purchases (excluding Target, Walmart and wholesale clubs).
      • 3x Points on select streaming services.
      • 2x Points on other travel purchases.
      • 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. That's $750 toward travel when redeemed through Chase Ultimate Rewards®.
    • Balance Transfer APR:
      21.49% - 28.49% Variable
    • Issuer name:
      Chase
    • Details:

      Featuring streaks of light cutting across a dark background, the Chase Sapphire Preferred® credit card radiates with striking visual quality. But its beauty is more than skin deep — this card offers excellent rewards and perks.

      Individuals with a credit score high enough to qualify for this more premium card are in for a treat. To start, you get 60,000 bonus points after spending $4,000 on purchases within the first three months of opening your account. Then, you get 25% more in redemption value when redeeming points through the Chase Ultimate Rewards program. And, you also get bonus points equal to 10% of total purchases made the previous year awarded during each account anniversary.

      The perks don’t end there, though, and there are many other great rewards to be had with this card. So if you're looking for a credit card that has it all — looks and reliability — then the Chase Sapphire Preferred® is worth considering.

    • Pros:
      • Excellent sign-up bonus: When you sign up for the Chase Sapphire Preferred® card and spend $4,000 in the first three months, you earn 60,000 points. That’s worth at least $750 in travel costs when redeemed through the Chase Ultimate Rewards program.
      • No foreign transaction fees: Whether you’re globetrotting or just making a purchase from an international vendor, using your Chase Sapphire Preferred® card means you won’t have to worry about pesky foreign transaction fees.
      • 25% more redemption value: When you redeem your points for travel through the Chase Ultimate Rewards portal, you get 25% more value on each point.
      • Unique “My Chase Plan” offer: To make paying for purchases more flexible, eligible cardholders can break up their card purchases into fixed monthly payments with no interest. These purchases must be at least $100, and the member pays a fixed monthly fee.
      • Great referral program: The Chase Sapphire Preferred® credit card has one of the best referral programs around. For every person you refer who successfully applies and is approved for the card, you receive 20,000 bonus points.
    • Cons:
      • There is an annual fee: Though the Chase Sapphire Preferred® card doesn’t have as high an annual fee as the Chase Sapphire Reserve® (just $95), it still isn’t free to carry.
      • Steep penalty APR of 29.99%: If you make a late payment or go over your credit limit, you could be subject to a very high penalty APR of 29.99%.
      • No 0% intro APR offer: Unfortunately, the Chase Sapphire Preferred® credit card doesn’t offer a 0% intro APR on purchases or balance transfers. This could be a deal-breaker for some cardholders looking to finance large purchases or pay down high-interest debts.
    • Benefits:
      • 60,000 Bonus Points;
      • $50 in statement credits;
      • 5x points on travel;
      • 3x points on dining;
      • 3x points on online grocery purchases;
      • 3x points on select streaming services;
      • 2x points on other travel purchases;
      • 25% more redemption value;
      • 1:1 Point Transfer;
      • Trip Cancellation/Interruption Insurance;
      • Auto Rental Collision Damage Waiver;
      • Baggage Delay Insurance;
      • Travel and Emergency Assistance Services.
    Card detail

    The Platinum Card® from American Express best for Young couples

    The Platinum Card® from American Express
    Annual fee:
    $695 annually
    Regular APR:
    21.24% - 29.24% Variable
    Our Rating:
    3.59
    scorer
    Credit score
    Good to Excellent (670-799)
    • Rewards Rate:
      • 5x Points on up to $500,000 spent on directly-booked airfare and flights (per calendar year).
      • 5x Points on prepaid hotels booked with American Express Travel.
      • 1x Points on all other purchases.
    • Intro Offer:
      • 80,000x Membership Rewards® points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership.
    • Issuer name:
      American Express®
    • Details:

      There’s a certain prestige that comes from owning one of the most sought-after American Express® credit cards available to the general public. That, plus its unabashedly bold platinum design, gives The The Platinum Card® from American Express® the ability to make the bearer of this card the coolest person in the room.

      Of course, the desirability of this card does not end there. Its travel rewards are exceptional, it affords luxury travel benefits to its bearer and its welcome offers are generous. With no preset spending limit, you can use it to buy yourself into some of the most exclusive properties and experiences. And you won’t have to worry about using it abroad, either, because it does not charge a transaction fee on foreign purchases.

    • Pros:
      • Exceptional travel rewards: The American Express® The Platinum Card® offers some of the richest rewards in the credit card industry. You’ll earn 5x Membership Rewards points on flights and prepaid hotels booked through amextravel.com, plus 1x points on all other purchases.
      • Luxury travel benefits: As a Platinum cardholder, you’ll enjoy a wealth of luxury travel benefits, including complimentary access to over 1,300 airport lounges worldwide, elite status with leading hotel and rental car chains, and more.
      • Generous welcome offers: American Express® is offering new Platinum members 80,000 bonus points after spending $6,000 in the first six months.
      • No preset spending limit: One of the key attractions of the American Express® The Platinum Card® is its lack of a preset spending limit. This gives you the freedom to purchase whatever you want without having to worry about your card getting declined.
      • No foreign transaction fee: Whether you’re traveling for business or pleasure, using your American Express® The Platinum Card® helps you avoid those pesky fees on foreign transactions. That means every purchase you make while abroad is charged at the same rate as those made domestically.
    • Cons:
      • Over-the-top annual fee: At $695 per year, the American Express® The Platinum Card® is one of the most expensive credit cards on the market.
    • Benefits:
      • 80,000 Membership Rewards® Points;
      • 5x points on directly-booked airfare and flights, prepaid hotels;
      • 1x points on all other purchases;
      • Platinum Card® Concierge;
      • Global Dining Collection;
      • Preferred Seating;
      • Return Protection;
      • Uber Rides with Platinum;
      • The Global Lounge Collection®;
      • International Airline Program;
      • Fee Credit for Global Entry or TSA Pre✓®;
      • Fine Hotels & Resorts® Program;
      • Platinum Travel Service;
      • Marriott Bonvoy™ Gold Elite Status;
      • Hilton Honors Gold Status;
      • Car Rental Loss and Damage Insurance;
      • Trip Delay;
      • Trip Cancellation;
      • Terms Apply.
    Card detail

    Goldman Sachs Apple best for Metal

    Apple Goldman Sachs
    Annual fee:
    $0
    Regular APR:
    19.24% - 29.49% Variable
    Our Rating:
    1.78
    scorer
    Credit score
    Good to Excellent (670-799)
    • Rewards Rate:
      • 3% Cash Back at Apple.
      • 3% Apple Card gives you unlimited 3% Daily Cash Back on purchases you make at select merchants when you use Apple Card with Apple Pay.
      • 2% Cash Back on other Apple pay purchases.
      • 1% Cash Back on everything else.
    • Issuer name:
      Goldman Sachs
    • Details:

      There is perhaps no card design more minimalistic than that of the Apple Card. If that’s what strikes your fancy, and you’re already an Apple Pay user, then this credit card might be the right choice for you.

      Design-wise, the Apple Card is well and truly one of a kind: It is a plain white titanium metal credit card. Aside from the payment chip, the card is devoid of markings that aren’t laser-etched onto its surface, giving it an undeniably premium feel.

      Unfortunately, the Apple Card’s premium look and feel aren’t mirrored in its benefits. It offers a disappointing rewards rate of just 1% for purchases outside of Apple or Apple Pay, which offer 3% and 2% cash back, respectively. And bonus cash back offers are only available from certain retailers during promotional periods.

    • Pros:
      • Titanium card: The titanium Apple Card is a status symbol. It's also more durable than a traditional plastic credit card.
      • No annual or foreign transaction fee: There's no annual fee to use the Apple Card. That's a good deal, especially because there are no fees on foreign transactions either.
    • Cons:
      • Low 1% cash back on purchases made outside of Apple or Apple Pay: The card doesn’t have much to offer outside of rewards for Apple and Apple Pay purchases.
    • Benefits:
      • 3% Cash Back at Apple;
      • 3% Cash Back at select merchants;
      • 2% Cash Back on Apple Pay purchases;
      • 1% Cash Back on other purchases;
      • Titanium Construction.
    Card detail

    Best Cool Credit Cards

    Cool-looking cards let you flaunt your style each time you use them to pay for purchases. Selecting a credit card for its looks is not the most practical approach to choosing a card. However, if you find one that fits your lifestyle, spending habits, and aesthetic preferences, there is a sense of pride that comes with flashing a stylish credit card.

    If looks are one of the things you are considering in a card, the list below has you covered. We've gone through our extensive database of options to find the best-looking credit cards. Because of how difficult they are to get, we've left out invitation-only credit cards, such as the titanium American Express Centurion card.

    Check out the list of awesome credit cards below:

    Short Review of Best Cool Credit Cards

    NameBest forRewards RateAPRApply
    Capital One Platinum Credit Card
    2.84
    Without SSN
  • This card doesn't offer cash back, miles or points.
  • 30.74% VariableLearn more
    on our partner’s site
    Total Visa® Card
    3.32
  • 1% Cash Back on all purchases.
  • 35.99% *Apply now
    On the Total Visa® Card secure website
    Merrick Bank Secured Credit Card
    3.2
  • This card doesn't offer cash back, miles or points.
  • 22.70% VariableApply now
    On Merrick Bank‘s site
    First Progress Platinum Select Mastercard® Secured Credit Card
    3.5
  • 1% Cash Back on payments made to your First Progress Secured credit card account.
  • 19.24% VariableApply now
    On First Progress’s site
    Chase Sapphire Reserve®
    3.86
    Travel, Restaurants, Daily use
  • 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.
  • 22.49% - 29.49% VariableLearn more
    American Express® Gold Card
    2.93
    Cash Back
  • 4x Points on dining at restaurants worldwide, plus takeout and delivery in the U.S.
  • 4x Points on groceries at U.S. supermarkets on up to $25,000 in purchases per year.
  • 3x Points on flights booked directly with airlines or on amextravel.com.
  • 1x Points on other eligible purchases.
  • 21.24% - 29.24% VariableLearn more
    American Express Blue Cash Preferred
    5
    Gas, Groceries, Streaming services, Daily use
  • 6% Cash Back at U.S. Supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on streaming (select U.S. streaming subscriptions).
  • 3% Cash Back on transit. Transit includes taxis, rideshare, parking, tolls, trains, buses, and more.
  • 3% Cash Back at U.S. Gas Stations.
  • 1% Cash Back on other purchases.
  • 19.24% - 29.99% VariableLearn more
    Chase Freedom Unlimited®
    5
    Cash Back, 0 APR, No Annual Fee, Daily use
  • 5% Cash Back on travel purchased through Chase Ultimate Rewards.
  • 3% Cash back on dining at restaurants, including takeout and eligible delivery services.
  • 3% Cash Back on drugstore purchases.
  • 1.5% Cash Back on all other purchases.
  • 20.49% - 29.24% VariableLearn more
    Chase Sapphire Preferred®
    4.25
    Travel, Restaurants, Daily use
  • $50 Earn up to $50 in statement credits each account anniversary year for hotel stays purchased through Chase Ultimate Rewards®.
  • 5x Points on travel purchased through Chase Ultimate Rewards®, excluding hotel purchases that qualify for the $50 Anniversary Hotel Credit.
  • 3x Points on dining, including eligible delivery services, takeout and dining out.
  • 3x Points on online grocery purchases (excluding Target, Walmart and wholesale clubs).
  • 3x Points on select streaming services.
  • 2x Points on other travel purchases.
  • 1x Point per dollar spent on all other purchases.
  • 21.49% - 28.49% VariableLearn more
    The Platinum Card® from American Express
    3.59
    Young couples
  • 5x Points on up to $500,000 spent on directly-booked airfare and flights (per calendar year).
  • 5x Points on prepaid hotels booked with American Express Travel.
  • 1x Points on all other purchases.
  • 21.24% - 29.24% VariableLearn more
    Goldman Sachs Apple
    1.78
    Metal
  • 3% Cash Back at Apple.
  • 3% Apple Card gives you unlimited 3% Daily Cash Back on purchases you make at select merchants when you use Apple Card with Apple Pay.
  • 2% Cash Back on other Apple pay purchases.
  • 1% Cash Back on everything else.
  • 19.24% - 29.49% VariableLearn more

    Who should apply

    Capital One Platinum Credit Card

    This card is best for people who want to build their credit score and don’t need any fancy rewards or benefits. If you have a fair credit score and are looking for a simple, no-nonsense card, the Capital One Platinum Mastercard is a great option.

    Read more about Capital One Platinum Credit Card

    Chase Sapphire Reserve®

    Packed with travel-related perks and rewards, the Chase Sapphire Reserve® best suits frequent travelers. Unless you can maximize your use of benefits such as travel credits, TSA Precheck credits, and airport lounge access, the $550 annual fee can make maintaining this card a hassle.

    Read more about Chase Sapphire Reserve®

    American Express® Gold Card

    The American Express® Gold Card is best for those who frequently spend money on dining and groceries. With a high rewards rate for these categories, plus a great intro bonus, this card can help you rack up rewards quickly. However, it may not be the best choice for those who travel internationally often, as it is only accepted at limited retailers outside of the U.S.

    Read more about American Express® Gold Card

    American Express Blue Cash Preferred

    The Blue Cash Preferred® credit card from American Express® is a great option for those looking for a cash back credit card. With its introductory bonus and no annual fee in the first year, it's easy to see why this card is so popular. Plus, with cash back rates of up to 6%, there are plenty of rewards to be earned.

    Read more about American Express Blue Cash Preferred

    Chase Freedom Unlimited®

    The Chase Freedom Unlimited® credit card is a great option for anyone looking for a solid cash back rewards program without having to worry about annual fees. Additionally, if you're planning on making a large purchase or transferring a balance, the card's 0% introductory APR for 15 months can be a valuable perk (20.49% - 29.24% variable APR thereafter).

    Read more about Chase Freedom Unlimited®

    Chase Sapphire Preferred®

    The Chase Sapphire Preferred® credit card is a great choice for anyone who wants a premium rewards card with excellent benefits. The sign-up bonus is generous, and the ongoing rewards are impressive. Plus, there are no foreign transaction fees, making it a good option for travel. Keep in mind that there is an annual fee, so make sure you'll be able to use the card's benefits enough to offset it.

    Read more about Chase Sapphire Preferred®

    The Platinum Card® from American Express

    The The Platinum Card® from American Express® is designed for high-earning luxury travelers. If you frequently find yourself jetting off to faraway destinations and spending big bucks on flights and hotels, then this card could be a great way to earn some serious rewards. Just be prepared to pay the high annual fee.

    Read more about The Platinum Card® from American Express

    Goldman Sachs Apple

    The Apple Card is best suited for those who already use Apple Pay and want a minimalist titanium credit card. Its low rewards rate and lack of bonus cash back offers make it less than ideal for most people but it could be a good choice for diehard Apple fans.

    Read more about Goldman Sachs Apple

    How to choose the coolest credit card

    Every person has their own opinion on what looks attractive and what doesn't. Because of this, choosing the prettiest credit card is a personal decision. Some things you may want to consider when comparing different credit card designs include:

    • Whether the card is made of metal. A metal design can make the card feel heavier and look more valuable.
    • Whether the card is vertical or horizontal. Many credit card issuers are experimenting with new designs that make checkout easier. One such approach involves printing credit card designs in portrait orientation instead of landscape. This vertical design makes chip cards and tap-to-pay features more intuitive to use.
    • What colors and patterns are used on the card. Most credit cards use similar colors, but one thing that is typically unique to each card is the shapes or images used on it.

    While it's nice to have a credit card that you enjoy looking at and showing off, it shouldn't be the main factor in determining which credit card to apply for. Instead, compare each card’s rewards system, annual fee, and welcome offer to find a credit card that rewards you every time you use it. You may find that the card that best fits your spending habits also happens to have a pretty cool design.

    Why is it important to have a cool-looking credit card?

    It isn’t very important to have a cool-looking credit card. Your first consideration should always be the benefit you can get from it.

    However, there are many reasons why it can be advantageous to have a cool-looking credit card in your wallet. First and foremost, it gets you noticed. When you flash a sleek and stylish card, you're sure to receive better service from wait staff, store clerks, and others. It can also be an excellent conversation starter that can help you make a few new friends and expand your network of valuable connections.

    icon-infoA good-looking card also helps personalize your wallet and shows off your discerning sense of style. Having a unique credit card makes you feel confident and proud — after all, not everyone can say they own something special and hard to come by.

    So if you're looking for an edge in life, get a cool-looking credit card — it just might be the boost you need.

    How can you customize credit cards

    There are many different ways to personalize your credit card. Some credit card issuers, such as Wells Fargo, allow you to upload your photos and design ideas for some cards. Discover, on the other hand, lets you choose your card design from several colorful pre-set options.

    If your card issuer doesn't offer any design choices for your credit card, consider making your credit card “skin” through an outside service. Tenstickers and CUCU are two services that let you browse lots of pre-made designs or customize your own. These card skins come in two flavors: removable and permanent.

    Finally, you can also opt to have a company remake your credit card in the material of your choice. You can, for example, use a company such as Lion Credit Card to convert your plastic card to 24-karat gold, stainless steel, carbon fiber, or any other material you might prefer. Note, however, that doing so will require you to send your credit card to them, which can expose you to the risk of fraud.

    How do I get a custom metal credit card

    Credit card companies sometimes issue custom metal credit cards to their most valuable customers. Because this level of service is outside the reach of most consumers, several companies have sprung up to fill the demand for custom metal credit cards.

    To provide you with a custom metal credit card, a company like Lion Credit Card or Card Ego transplants the functional parts of your credit card into a card made from the material of your choice. For an added cost, these companies can also personalize the cards they convert with cool credit card backgrounds of the customer’s choice.

    As you can imagine, this is a delicate process that carries an inherent risk of permanently damaging your card. The difficulty of the process means that even basic designs can cost hundreds of dollars.

    What's the best eco-friendly green credit card

    Several issuers have released “green” credit cards to cash into the trend toward eco-friendly products. Which of these card types you think of as best will depend on your interpretation of eco-friendly and your values as they relate to the natural world around us:

    • Nonprofit-supporting cards: These cards support the eco-friendly movement by donating a portion of every purchase to green organizations. Examples of these cards include the Green America Rewards, World Wildlife Fund and Clean Water Action credit cards.
    • Recycled material cards: These cards take advantage of recycled materials to reduce their impact on the environment. Some of these cards, like the Second Wave from CPI Card Group, use plastics that would have otherwise polluted oceans.
    • Closed-loop recycling cards: Some banks and credit card issuers have announced or launched credit card recycling services. These services take your expired cards and recycle them to make new cards, thereby creating a loop that limits the amount of plastic that escapes into the environment.
    • Big-picture cards: These are cards issued by financial institutions that have committed themselves to protect the environment. The concept is that by supporting companies that are green and sustainable, we vote with our wallets and reward the most proactive issuers with our business.

    Green credit cards can help you make your spending more environmentally friendly, but only to a certain extent. Being mindful of your purchases or making your own donation to an organization of your choice is likely a better way to reduce your environmental impact.

    What is a Bluetooth credit card

    A Bluetooth credit card is a type of «smart» card that allows you to make payments by loading information from your phone using Bluetooth wireless technology.

    Some good examples of Bluetooth cards are Fuze and Stratos. Their main selling point is that you can load lots of different cards onto your account, making it easier to carry around fewer plastic cards. However, one big drawback of these credit cards is the cost. For example, obtaining a Fuze card can set you back $180.

    Some people may also use the term Bluetooth credit card to refer to cards such as the Capital One® SavorOne® Cash Rewards Credit Card. These cards contain a chip that allows you to make contactless payments at equipped terminals using RFID, which is a completely different technology.

    What are the best custom credit card designs

    There is no objective way to determine what the best custom credit card designs are because individuals have vastly different aesthetic preferences. The qualities you value the most ultimately determine what you see as the best.

    icon-search

    For example, you might prefer fun credit cards that use bold and vibrant abstract artwork to stand out, whereas someone else might say that a cute credit card decorated with adorable characters is the best.

    What credit cards do millionaires use

    Super-rich individuals often use credit cards that are largely unavailable to the general populace. They gain access to these cards through private invitations.

    Some of the most exclusive credit cards in the world include:

    • The American Express Centurion Card (known as the Amex Black card)
    • The JP Morgan Chase Reserve Card
    • The Dubai First Royale MasterCard
    • The Stratus Rewards Visa Card
    • And the Coutts World Silk Card

    Aside from being notoriously difficult to obtain, cards such as these are also often wrapped in an air of mystery. Their issuers rarely, if ever, publish the criteria they use to determine who gets an invitation, and the benefits these cards bestow on their bearers aren’t openly talked about (in part because these benefits are sometimes personalized to the unique lifestyle of the cardholder).

    FAQ

    What are other credit cards to consider?

    Depending on your credit score, personal wealth, location, and preferred style, there are a lot of other cool-looking credit cards to choose from.
    For example, consider The Mastercard® Gold Card™. Crafted from 24-karat gold, this card puts looks above everything else. Issued only to wealthy Mastercard clients, this credit card offers a reduced set of rewards focused primarily on luxury living.

    Is there any benefit to owning a metal card instead of a plastic one?

    If we take away the fact that metal credit cards are typically issued as premium products, there is no significant benefit to owning a metal card over a plastic one. They may be more durable, but they are also heavier and can be damaging to your wallet due to their rigidity. And when they do bend, they may not spring back into shape the way plastic cards do.

    Can I update the design of my current card?

    Yes. Many banks will give you the option to update your current card. There is one caveat, though: They will probably only do this for a fee.
    Additionally, your bank may not offer very many design options, if it can offer them at all. For example, your current card may not be available in any other design. In cases such as these, your issuer may suggest going with another product, which may not include all of the benefits your current card grants you.
    Myfin TeamMyfin Team

    Author, editor

    content@myfin.us