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Our pick for personalization: American Express® Gold Card
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Welcome offer after spending $4,000 in first 6 months
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.
As of February 2021, here are the major banks that allow some level of personalization:
| Provider | Do they offer personalization? | Limitations |
|---|---|---|
| Wells Fargo | Yes | – |
| Chase | Yes | Disney Visa Card only |
| Discover | Yes | – |
| Amex | Yes | Amex Gold Card only and just one choice (Rose Gold) |
| Capital One | No | – |
| Barclaycard | Yes | Certain cobranded cards only |
| Synchrony | Yes | Certain cobranded cards only |
| USAA | Yes | Military affinity cards |
| Bank of America | Yes | Select affinity cards |
| Citibank | No | – |
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.
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.
Below are the steps to personalize your credit card.
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.
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.
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:
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.
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.
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