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How to get your own personalized credit card

Stand out from the crowd with your own personalized credit card design.

With so many different types of credit cards on the market these days, it’s now possible to individualize your credit card and make it all your own. While not all banks and credit card providers offer this service, you may find a few providers in Canada that allow you to personalize your credit card, usually by selecting a design from a small collection.

Personalized credit cards

While the majority of credit card providers are content to leave their designs simple, there are others that allow customers to choose between a variety of different designs – or even make their own credit card design. Credit card designs range from sports teams, motor vehicles and even Disney characters to allow cardholders to express their personalities through their plastic.

Although the extent of credit card personalization in Canada usually stops at selecting a design out of a small collection, you may come across a provider who allows you to completely design your own card. If this is the case, there are typically restrictions on the lengths your designs can go to. For example, you may not use another credit card provider’s logo. You are also not allowed to misrepresent your card in any way, meaning that you may not imply that it is a platinum or gold card when it isn’t.

Are there extra costs associated with designing my card?

Usually, yes. When you make a personalized credit card, the provider will generally charge a fee for the service. Some providers, such as Desjardins, allow you to personalize your first card free of charge.

History of older credit card designs

Earlier credit cards were made up of one or two colours and your credit card number — lacking any distinguishable design. After a short period of time, banks began to realize the importance of visual branding and began to drive more efforts into making their card designs recognizable. Banks began to use the logo, colour, characters and endorsements to increase the exposure of their brands.

amex-cc-first

First credit card design from American Express

Compare credit card offers 2023

Name Product Welcome Offer Rewards Purchase Interest Rate Annual Fee Min. Credit Score Description
OFFER
Tangerine Money-Back Credit Card
10% cash back
Up to 2% cash back
19.95%
$0
Min. recommended credit score: 600
Earn 10% cash back (up to $100) when you spend $1,000 in the first 2 months. Valid until October 31, 2023. Plus, get a 1.95% interest rate on balance transfers for the first 6 months.
BMO CashBack Mastercard
5% cash back
Up to 3% cash back
20.99%
$0
Min. recommended credit score: 660
Get 5% cash back on all eligible purchases in the first three months of card membership (up to max. spend of $2,500). Plus, get a rate of 0.99% on balance transfers for 9 months. A 2% fee applies to transferred balances.
OFFER
Tangerine World Mastercard
10% cash back
Up to 2% cash back
19.95%
$0
Min. recommended credit score: 600
Earn 10% cash back (up to $100) when you spend $1,000 in the first 2 months. Valid until October 31, 2023. Plus, get a 1.95% interest rate on balance transfers for the first 6 months.
RBC Avion Visa Infinite
55,000 points
Up to 1 point per $1 spent
20.99%
$120
Min. recommended credit score: 650
Get up to 55,000 Welcome Points (value of up to $1,100). Apply by November 27, 2023.
American Express Cobalt Card
30,000 points
Up to 5x points per $1 spent
20.99%
$155.88
Min. recommended credit score: 700
Earn up to 30,000 Membership Rewards points in your first year. Earn 2,500 Membership Rewards points for each monthly billing period in which you spend $500 in net purchases on your card (up to 30,000 points). That’s up to $300 towards a weekend getaway or concert tickets.
RBC ION+ Visa
12,000 points
3 points per $1 spent
20.99%
$48
Min. recommended credit score: 660
Get 12,000 Avion points when you get approved for the card. Apply by October 31, 2023.
BMO Preferred Rate Mastercard
0.99% rate on balance transfers for 9 months
N/A
13.99%
$0 annual fee for the first year ($29 thereafter)
Min. recommended credit score: 660
Get a rate of 0.99% on balance transfers for 9 months with a 2% transfer fee. Plus, get the $29 annual fee waived in the first year.
RBC ION Visa
6,000 points
1.5 points per $1 spent
20.99%
$0
Min. recommended credit score: 660
Get 6,000 Avion points when you get approved for the card. Apply by October 31, 2023.
American Express Green Card
10,000 points
1 point per $1 spent
20.99%
$0
Min. recommended credit score: 700
Earn a Welcome Bonus of 10,000 Membership Rewards points when you charge $1,000 in purchases to your card in the first 3 months as a new Cardmember. That’s $100 towards groceries or concert tickets.
BMO Ascend World Elite Mastercard
60,000 points
Up to 5x points per $1 spent
20.99%
$0 annual fee for the first year ($150 thereafter)
Min. recommended credit score: 760
Get up to 60,000 points and get the $150 annual fee waived in the first year.
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