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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 2022

Name Product Welcome Offer Rewards Purchase Interest Rate Annual Fee Min. Credit Score Description
RBC Cash Back Mastercard
N/A
Up to 2% cash back
19.99%
$0
Min. recommended credit score: 650
Get 2% cash back on grocery store purchases, and up to 1% cash back on all other qualifying purchases and pre-authorized payments.
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 1.99% on balance transfers with a 1% balance transfer fee for nine months.
Tangerine World Mastercard
15% cash back
Up to 2% cash back
19.95%
$0
Min. recommended credit score: 600
Earn 15% cash back (up to $150) when you spend $1,000 in the first 2 months Until September 30, 2022. Plus, get a 1.95% interest rate on balance transfers for the first 6 months (valid within the first 30 days of account opening, 1% transfer fee applies).
RBC Avion Visa Infinite
55,000 points
Up to 1 point per $1 spent
19.99%
$120
Min. recommended credit score: 650
Get up to 55,000 Welcome Points. Get 35,000 points on approval and 20,000 bonus points when you spend $5,000 in your first 6 months. Apply by September 16, 2022.
OFFER
Tangerine Money-Back Credit Card
15% cash back
Up to 2% cash back
19.95%
$0
Min. recommended credit score: 600
Earn 15% cash back (up to $150) when you spend $1,000 in the first 2 months Until September 30, 2022. Plus, get a 1.95% interest rate on balance transfers for the first 6 months (valid within the first 30 days of account opening, 1% transfer fee applies).
EXCLUSIVE
Neo Financial Mastercard
Get $25.00
Average 5% cash back
19.99% - 24.99%
$0
Min. recommended credit score: 600
Get $25 when you sign up for the Neo Financial Mastercard. Plus, earn bonuses like 15% cashback on your first purchase at most partners, and earn an average of 5% cashback at thousands of partners and at least 1% cashback guaranteed.
RBC Rewards+ Visa
3,500
Up to 1 points per $2 spent
19.99%
$0
Min. recommended credit score: 650
Earn up to 3,500 RBC Rewards points by going digital in the first 60 days.
BMO Preferred Rate Mastercard
0.99% rate on balance transfers for 9 months
N/A
12.99%
$0 annual fee for the first year ($20 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 $20 annual fee waived in the first year.
Walmart Rewards Mastercard
Up to $25 in Reward Dollars
Up to 1.25% cash back
19.89%
$0
Min. recommended credit score: 650
Get up to $25 in bonus Walmart Reward Dollars.
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).
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