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How to get your own personalized credit card

Creating your own fabulous credit card design is simple.


If you feel a standard credit card design doesn’t quite capture your personality, you’re in luck. Many credit card companies allow you to personalize the design of your credit card to your liking. Here’s how to create your own custom credit card designs.

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 Rewards card and the Disney Premier 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.

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.

Are there extra costs associated with designing my card?

Typically. When you make personalized credit cards, the provider will generally charge a fee for the service. However, there are some companies that are allowing customers to do this for free.

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.

First credit card design from American Express

Compare credit cards

Data indicated here is updated regularly
Name Product Filter values Rewards Purchase APR Annual fee
Blue Cash Preferred® Card from American Express
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases
0% intro for the first 12 months (then 13.99% to 23.99% variable)
$0 intro annual fee for the first year ($95 thereafter)
Perfect for families: Get up to 6% on everyday purchases and a welcome offer worth $300. This heavy-hitter rewards card has uncontested value. Rates & fees
Blue Cash Everyday® Card from American Express
2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases
0% intro for the first 15 months (then 13.99% to 23.99% variable)
Get 3% cash back on groceries on up to $6,000 annually (then 1%) with no annual fee. This is a simple and effective rewards card. Rates & fees
Chase Freedom Flex℠
5% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases
0% intro for the first 15 months (then 14.99% to 23.74% variable)
Get up to 5% cashback in rotating and newly added everyday categories. The refreshed Freedom Flex card has lots of earning potential.
Chase Sapphire Preferred® Card
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
15.99% to 22.99% variable
Earn a huge signup bonus worth $1,000 with this popular travel card. Combine with other Chase Ultimate Rewards cards for even greater value.
Citi® Diamond Preferred® Card
0% intro for the first 18 months (then 14.74% to 24.74% variable)
An impressive 18 months intro APR on balance transfers and purchases, as well as no annual fee make this one of the top 0% APR cards available.

Compare up to 4 providers

Bottom line

Creating personalized credit cards 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.

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