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Brendan Dyer is a Bankrate editor who writes and edits content for rewards, travel, cash back and business credit cards. He’s passionate about informing readers about the most innovative ways to use their credit cards and how synergistic multiple cards can be in the right hands.
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Many credit cards not only offer great rewards and perks, but they also come with sleek designs with an aesthetic appeal. While you should consider other factors like rates and fees or the potential for rewards when choosing a credit card, a nice-looking card can be a deciding factor when all else is equal.
With some issuers, you can customize your card with a personalized image; other issuers might offer different design options. Discover which best-looking card might be a fit for you.
This rating reflects the average overall score given by real cardholders in response to questions about this card's benefits, rewards, customer service, and data security.
Bankrate score
4.9
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. If you'd like to learn more about how we rank our cards, explore our ranking methodology here.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
Earn 60,000 points
Rewards Rate
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
1X – 4X
Annual fee
$325
APR
See Pay Over Time APR
Reward Details
4XEarn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
4XEarn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
3XEarn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
2XEarn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
1XEarn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Bankrate’s view
If the traditional gold color of the American Express® Gold Card isn’t stylish enough for your wallet, the card also comes in rose gold and white gold. These options are available to both new cardmembers and current cardmembers. But the Amex Gold isn’t just gilded in appearance — its benefits meet the gold standard as well, particularly for foodies because it earns boosted rewards for U.S. supermarket and dining purchases.
Pros
This card offers top rewards rates for restaurants worldwide and groceries along with bonus credits to help offset its annual fee.
Its impressive welcome offer gives you six months to meet the spending requirement.
Cons
Its annual fee could be hard to offset if you don’t maximize the card’s annual credits and transfer partners.
It doesn’t offer lounge access or travel credits like you might find on other popular travel cards.
Card Details
Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
$120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made at restaurants or U.S. supermarkets. Point caps and terms apply.
$84 Dunkin’ Credit: With the $84 Dunkin’ Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin’ locations.
$100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That’s up to $50 in statement credits semi-annually. Enrollment required.
$120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
No Foreign Transaction Fees.
Annual Fee is $325.
Apply with confidence. Know if you’re approved for a Card with no impact to your credit score. If you’re approved and you choose to accept this Card, your credit score may be impacted.
This rating reflects the average overall score given by real cardholders in response to questions about this card's benefits, rewards, customer service, and data security.
Bankrate score
5.0
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. If you'd like to learn more about how we rank our cards, explore our ranking methodology here.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
60,000 bonus points
Rewards Rate
Earn 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠. Earn 5x total points on flights through Chase Travel℠. Earn 3x points on other travel and dining. Earn 1 point per $1 spent on all other purchases.
1x – 10x
Annual fee
$550
Regular APR
20.24% – 28.74% Variable
Reward Details
10xEarn 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠.
5xEarn 5x total points on flights through Chase Travel℠.
3xEarn 3x points on other travel and dining.
1xEarn 1 point per $1 spent on all other purchases.
Bankrate’s view
The Chase Sapphire Reserve® will make a nice visual addition to your wallet if you prefer a minimalist and sophisticated style. It features a dark blue design that fades into angular, lighter shades of blue in the upper right corner. The card’s jewel-toned color palette and durable metal design complement this luxury card’s premium perks and travel rewards perfectly.
Pros
You can earn high rewards rates for hotels and car rentals booked through Chase Travel℠ as well as dining with a boost to the value of your points when you redeem them toward Chase travel.
Its up to $300 travel credit each anniversary year helps offset the card’s annual fee.
Cons
This card charges a $75 annual fee per authorized user, a fee that other cards don’t charge.
It lacks many luxury hotel perks which hinders its value as a premium rewards card.
Card Details
Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
$300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ 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
Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
1:1 point transfer to leading airline and hotel loyalty programs
Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $120 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance and more.
This rating reflects the average overall score given by real cardholders in response to questions about this card's benefits, rewards, customer service, and data security.
Bankrate score
4.8
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. If you'd like to learn more about how we rank our cards, explore our ranking methodology here.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
Earn 80,000 points
Rewards Rate
Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
5X
Annual fee
$695
APR
See Pay Over Time APR
Reward Details
5XEarn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
Bankrate’s view
The Platinum Card® from American Express features its iconic platinum color and is packed with perks, benefits and valuable travel rewards. It also has two new eye-catching designs to choose from: the Platinum x Kehinde Wiley design, which features wildflowers on top of the classic design, and the Platinum x Julie Mehretu design, which has a colorful, abstract design on top of the classic design.
Pros
Monthly and annual credits provide up to $1,700 in recurring yearly value.
It carries the highest travel rewards rates of any American Express card.
Cons
You’ll only earn boosted rewards on flights and hotels through Amex or airlines directly.
Many of the perks and benefits aren’t practical for everyday cardholders.
Card Details
Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
$200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
$240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
With American Express Global Lounge Collection® you can enjoy access to over 1,400 airport lounges globally, including The Centurion® Lounge, Unlimited Delta Sky Club® Access when flying an eligible Delta flight, Escape Lounges, Lufthansa Lounges when flying Lufthansa Group, Plaza Premium, Priority Pass™ Select Lounges, & Additional Global Lounge Collection Partner Lounges subject to visit limitations. Lounges may have their own rules, like additional access rules and guest fees, and for Priority Pass Select, you need to enroll and there are unlimited airport lounge visits for Card Members. With Delta Sky Club Access, Card Members will receive 10 Visits to the Delta Sky Club to be used from February 1 until January 31 of the next calendar year and can unlock Unlimited Delta Sky Club Access by spending $75,000 in eligible purchases on their Card in a calendar year. To find a lounge, visit the membership section in the American Express® App or visit http://www.americanexpress.com/findalounge#/loungefinder.
$155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
$200 Uber Cash: Platinum Card® Members can ride or dine in style with $15 in Uber Cash each month, plus a bonus $20 in December after adding their Card to their Uber account. Use your Uber Cash on rides and orders in the U.S. when you select an Amex Card for your transaction.
$199 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $199 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
Receive either a $120 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That’s up to $50 in statement credits semi-annually. Enrollment required.
Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
$695 annual fee.
Apply with confidence. Know if you’re approved for a Card with no impact to your credit score. If you’re approved and you choose to accept this Card, your credit score may be impacted.
*The information about the Apple Card has been collected
independently by Bankrate.com. The card details have not
been reviewed or approved by the card issuer.
Cardholder rating
4.1
This rating reflects the average overall score given by real cardholders in response to questions about this card's benefits, rewards, customer service, and data security.
Bankrate score
3.5
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. If you'd like to learn more about how we rank our cards, explore our ranking methodology here.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Intro offer
Intro offer is not available for this Goldman Sachs Bank USA credit card.
N/A
Rewards Rate
3% cash back with Apple and select merchants when you use Apple Card with Apple Pay. 2% cash back when you use Apple Pay. 1% cash back when you use the titanium card or your virtual card number wherever Mastercard is accepted.
1% – 3%
Annual fee
$0
Regular APR
18.24% to 28.49% Variable
Reward Details
3%3% cash back with Apple and select merchants when you use Apple Card with Apple Pay.
2%2% cash back when you use Apple Pay.
1%1% cash back when you use the titanium card or your virtual card number wherever Mastercard is accepted.
Bankrate’s view
The Apple Card* has received considerable recognition not only for its no-fee structure and daily rewards redemptions but also for its titanium build and laser-etched engraving. Visually, the card is all white with a silver Apple logo in the upper left corner. It’s minimalist, too — there’s no card number, expiration date or any identifying information besides the cardholder’s name.
Pros
Earn a fair rate of cash back just about anywhere with its generously boosted rewards rate if you use the Apple card with Apple Pay.
It’s one of the most affordable, low-risk cards available because of its fee-free structure.
Cons
Its top cash back rates are reserved for Apple purchases and at select merchants when you use the Apple card with Apple pay.
This card is designed for Apple users so it lacks value for people who own other types of devices.
This rating reflects the average overall score given by real cardholders in response to questions about this card's benefits, rewards, customer service, and data security.
Bankrate score
5.0
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. If you'd like to learn more about how we rank our cards, explore our ranking methodology here.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
$200 Cash Back after you spend $500 on purchases within 3 months from account opening
Earn $200 Cash Back
Rewards Rate
8% Cash Back on Capital One Entertainment purchases, 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply), 3% Cash Back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, 1% Cash Back on all other purchases
1% – 8%
Annual fee
$0
Regular APR
19.24% – 29.24% (Variable)
Reward Details
8%8% Cash Back on Capital One Entertainment purchases
5%5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
3%3% Cash Back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services
1%1% Cash Back on all other purchases
Bankrate’s view
The Capital One Savor Cash Rewards Credit Card is burnt orange, with a ripple-effect design. Few cards feature an orange design today, so this card will certainly stand out in your wallet. The card also includes strong cash back rates in dining and entertainment, particularly for a no-annual-fee card.
Pros
It offers an intro APR period for purchases and balance transfers, which can help you avoid interest while reducing your balance.
This card’s welcome offer requires minimal spending to earn.
Cons
You may not reap the most benefits from this card if you spend outside its tiered rewards categories.
You must make your reservations through Capital One Travel to receive boosted rewards for travel-related purchases, which can limit your options.
Card Details
Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
Earn 8% cash back on Capital One Entertainment purchases
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options. Terms apply
No rotating categories or sign-ups needed to earn cash rewards; plus cash back won’t expire for the life of the account and there’s no limit to how much you can earn
0% intro APR on purchases and balance transfers for 15 months; 19.24% – 29.24% variable APR after that; balance transfer fee applies
This rating reflects the average overall score given by real cardholders in response to questions about this card's benefits, rewards, customer service, and data security.
Bankrate score
4.4
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. If you'd like to learn more about how we rank our cards, explore our ranking methodology here.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Intro Offer: Unlimited Cashback Match for all new cardmembers–only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
Cashback Match
Rewards Rate
Earn 5% Cashback Bonus® at Grocery Stores and Wholesale Clubs, April 1 through June 30, 2025, on up to $1,500 in purchases, when you activate. Plus, earn unlimited 1% cash back on all other purchases.
1% – 5%
Annual fee
$0
Regular APR
18.24% – 27.24% Variable APR
Reward Details
5%Earn 5% Cashback Bonus® at Grocery Stores and Wholesale Clubs, April 1 through June 30, 2025, on up to $1,500 in purchases, when you activate.
1%Plus, earn unlimited 1% cash back on all other purchases.
Bankrate’s view
The Discover it® Cash Back allows new cardholders to pick from 25 color and design options. Design options include solid colors like light pink, silver or lime green, a beach or city scene, faded rainbow designs and more. The card also offers generously boosted cash back in activated, rotating categories each quarter (on up to $1,500 in purchases, then 1 percent).
Pros
Rotating categories offer some of the highest rewards in key categories on a no-annual-fee card.
This card has low rates and fees for a cash back credit card.
Cons
If your spending doesn’t align with each quarter’s categories you won’t be able to make the most of this card.
Quarterly activation may be too complicated if you’re a first-time rewards cardholder.
Card Details
Intro Offer: Unlimited Cashback Match for all new cardmembers–only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
Earn 5% Cashback Bonus® at Grocery Stores and Wholesale Clubs, April 1 through June 30, 2025, on up to $1,500 in purchases, when you activate. Plus, earn unlimited 1% cash back on all other purchases.
Redeem your rewards for cash at any time.
Apply and you could get a decision in as little as 60 seconds. No annual fee.
Start shopping and earning rewards in minutes with our digital card, before your physical card arrives in the mail, if eligible.
Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. Activate by mobile app for free.
Get a 0% intro APR for 15 months on purchases. Then 18.24% to 27.24% Standard Variable Purchase APR applies, based on credit worthiness.
Credit cards for best-looking cards typically require a good-to-excellent credit score. If you have bad or fair credit, consider our top picks for secured cards or cards for fair/average credit.
How to choose the best-looking credit card
The best-looking credit card will always be a matter of personal preference. A metal credit card can add some flash to your payments and impress your friends, while a brightly-colored card may stand out among the other options in your wallet. Or maybe the unique flair of a credit card with a personalized image might be just your style.
That said, you should be careful not to choose a card based on looks alone. Make sure that the best credit card for you makes sense when considering the following:
Credit history. The first step to take when looking for the right credit card is to evaluate your credit history and credit score. Both will determine which cards are available to you.
Spending habits. Look back at your past statements and receipts to figure out which categories you spend the most in. Look for a credit card that offers higher rewards for your top spending categories.
Card benefits. In addition to varying rewards structures, many credit cards include benefits like welcome offers, merchant credits, limited-time promotions, purchase and travel protections and more.
Debt or upcoming purchases. Many credit cards come with a 0 percent intro APR on purchases or balance transfers for a limited time, which can help you pay off large purchases over time or pay down debt without paying interest.
How to maximize rewards on best-looking cards
Most of the cards on our list are also some of the top rewards cards. With a rewards card, you can earn points, miles or cash back and redeem them for statement credits, travel expenses or other options. If your best-looking card also offers rewards, here are some tips on how you can reap the most benefits.
Spend strategically. Make sure you are using the card that earns the most for that spending category. For instance, you might want to use the Capital One Savor card for dining since it earns 3 percent cash back in that category.
Redeem wisely. Most rewards cards will offer several different redemption options; however, they might not all have a 1:1 value. Depending on the card, a gift card redemption might have a lower value, while transferring your points or miles to an eligible airline partner could boost your rewards value.
Pair cards. You can take advantage of pairing cards to pool points into a single account while earning excellent rewards rates. With Chase, for example, you can aim for the Chase trifecta which typically includes Chase Sapphire Preferred®, Chase Freedom Unlimited® and Chase Freedom Flex®*. By maximizing rewards on each card, you can rack up a hefty amount of rewards under one account.
As credit cards have become a common way to pay for purchases, carrying a card with a personalized or artistic design can be a factor when choosing a card. Just make sure you can afford to hold the card depending on its rates and fees and that it fits your overall financial goals.
*The information about the Apple Card has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.
Frequently asked questions about credit card designs
The fanciest card is subject to opinion. However, the American Express Centurion Card (also known as the Amex Black Card) is considered very exclusive because it is invitation-only and not available to the public. It does feature a classic signature black design.
While some issuers do offer metal cards as part of their portfolio, such as the Chase Sapphire Reserve®, you typically cannot request to upgrade a plastic card to a metal one.
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Dyer, Brendan. "Best-looking cards for 2025." Bankrate. April 11, 2025. https://www.bankrate.com/credit-cards/rewards/best-looking-credit-cards/.
