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Many credit card companies allow you to personalize the design of your credit card to your liking. Not all providers offer this feature, and in some cases only certain cards are eligible. Here’s a rundown of which providers offer custom credit cards and how to create your own credit card designs.
Which banks offer custom credit cards?
As of February 2021, here are the major banks that allow some level of personalization:
Do they offer personalization?
Disney Visa Card only
Certain cobranded cards only
Certain cobranded cards only
Military affinity cards
Bank of America
Select affinity cards
Chase Disney custom credit card designs
Currently, the only Chase card to allow customization is the Chase Disney Visa. You can select your card image from several preselected designs at the time of application. These include designs from several popular Disney properties, as well as Star Wars. Chase tends to rotate these designs out occasionally, so make sure to grab the design you want when its available.
Compare custom credit cards
These credit cards allow you to choose from a variety of card designs during the application process. The American Express® Gold Card currently offers a rose gold option that’s popular for its unique look.
If you can’t personalize your credit card of choice, prepaid cards are another option for expressing yourself at the checkout counter. These make for great gifts or a safer alternative to credit if you want to teach your kid to manage their finances.
There are also credit card conversion services available that can turn your existing credit card into a sleek, metallic design. Check out our metal card conversion article for a full rundown of how this service works.
How to create a custom credit card
Below are the steps to personalize your credit card.
1. Access your creditor’s card design site
Most banks allow you to personalize your credit card design from the comfort of your own home through a specific card design page. To access these pages, you’ll typically need to first sign into your card account.
2. Pick your card account and choose a design
The level of customization you’re allowed for your credit card will vary depending on your bank. For example, Discover card designs are preselected so you’ll only have so many designs available depending on the card. Others, such as Chase, only provide this service for specific credit cards. In this case, the Disney® Visa® Card.
Others, such as Wells Fargo, allow for complete customization, including photos or other images of your own design. For those, you’ll be asked to upload the image and format the area you wish to show up on your credit card.
Custom credit card design restrictions
There are 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. Other restrictions may include:
Third-party trademarks or copyrighted images
Telephone numbers, URLs, addresses and other personal information
Violent or offensive images
Political or religious imagery or text
Photos featuring numbers or other images that may confuse or mislead the nature of the card
3. Finalize your design and wait
Once you’ve completed your design, simply make your final confirmation and wait. Once you receive your confirmation email, you can expect to receive your card within five to 12 calendar days.
History of older credit card designs
Earlier credit cards were made up of one or two colors and your credit card number — lacking any distinguishable design. After a little while, banks came to realize the importance of visual branding and began to drive more efforts into making their card designs recognizable. Banks started to use the logo, color, advertising characters and endorsements to increase their brand’s exposure.
Creating a custom credit card is easier than ever, so check with your bank to see what design options are available. And if you’re looking for a new card, compare credit cards to find one that best suits your needs.
Frequently asked questions
Yes. All aspects of your card, including the account number, will remain the same. However, in some cases your new card may have a new expiration date.
Your old credit card will remain usable as per usual until the stated expiration date. If you wish to cancel that card, you can call your bank to do so.
Yes. Many credit card issuers allow you to personalize your business credit card in addition to personal cards.
Steven Dashiell is a credit cards writer at Finder. He's worked on 250 Finder articles and counting, helping readers embrace and maximize credit cards. Backed by nearly a decade of research and reporting experience, Steve's work can be seen on Debt.com, CreditCards.com and Lifehacker.
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