WalletHub Best Photo Credit Cards
WalletHub makes it easy to find the best photo credit card for you.
A photo credit card enables you to customize your card’s appearance with a favorite photo or a selection of potential designs. Some people decide to personalize their photo credit cards with a picture of their children, spouse, pet, etc. (some cards are from WalletHub’s partners).... show more
show lessPHOTO CARDS
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- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- 10,000 points initial rewards bonus
- Balance transfer fee
- High regular APR
- Requires good/excellent credit
- No membership fees
- 0% intro APR on purchases
- High rewards rate
- $100 initial rewards bonus
- No intro APR on balance transfers
- Balance transfer fee
- Foreign fee
- Requires good/excellent credit
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- No foreign fee
- No rewards
- No initial rewards bonus
- Balance transfer fee
- High regular APR
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- No foreign fee
- No rewards
- No initial rewards bonus
- Requires excellent credit
- No membership fees
- 0% intro APR on balance transfers
- No balance transfer fee
- No rewards
- No initial rewards bonus
- No intro APR on purchases
- Foreign fee
- No membership fees
- 3.99% intro APR on balance transfers
- No rewards
- No initial rewards bonus
- No intro APR on purchases
- Balance transfer fee
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- High rewards rate
- Spending caps on rewards
- Balance transfer fee
- Foreign fee
- Requires good/excellent credit
About the author
John Kiernan has covered the credit card industry for more than 10 years as a writer and editor for WalletHub. His work has been featured by major media outlets such as The Washington Post and The New York Times and has been cited by industry regulators such as the Consumer Financial Protection Bureau. Read Full Author Bio
Best Photo Credit Cards FAQ
Comparing photo cards can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered. WalletHub independently collected information for some of the cards on this page.show more
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How can you customize credit cards? Reply
There are various ways to customize credit cards; some credit card issuers offer personalized credit cards, such as Wells Fargo, which allows customers to upload their own photos and designs for some cards. Plus, Discover lets customers choose their card design from a number of pre-set options. Bank of America has 4 affinity Bank of America Cash Rewards cards, and each has its own design; or you can choose the Major League Baseball affinity card and pick your favorite team’s logo. Chase offers Star Wars and Disney-themed designs for their 2 co-branded Disney credit cards. And Barclays offers choices of different NFL teams on its co-branded NFL credit cards.
If your card issuer doesn’t offer any design choices for your credit card, consider making your own credit card “skin” through an outside service. Tenstickers and CUCU are 2 services that let you browse lots of pre-made designs or customize your own. Some card skins are removable, and some are built to stay on indefinitely.
Those looking for a different material for their credit card have options, too. You can turn your plastic card into a metal credit card, EMV chip and all, from companies like metal-creditcard.com. Or go a step further and convert your plastic into 24-karat gold, stainless steel, or carbon fiber with a company such as Lion Credit Card. In either case, you’ll have to be willing to send them your credit card in the mail.
Are there different Capital One credit card designs to pick from? Reply
No, there aren’t any Capital One credit card designs to pick from at the moment. However, the issuer used to have this feature in the past, and they might include it again in the future. So, make sure to call the number you see on the back of your card for more information. Their designs used to include a large gallery of stock images, metal cards, or any personal image you’d like to customize your card with.
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Which bank has the best credit card design? Reply
The bank with the best credit card designs is Regions Bank because it allows you to customize any personal credit card with a photo that you upload or choose from a gallery in the Regions YourPix Studio. Customizing costs $10, and the image must fit the bank’s guidelines on appropriate content and copyrighted materials.
If you’re not interested in customizing your card’s design and just want a card that looks naturally cool, you may want...
Featured Credit Cards
Expert Opinions
In search of fresh angles on the topic of photo credit cards, we posed a handful of questions to a panel of personal finance experts. You can find their snap judgments, tips and more below. Just click on each expert’s portrait to learn more.
- Why doesn’t every credit card company let you add a custom photo to your card?
- Is a photo credit card just a novelty?
- Can having a photo on your credit card help prevent fraud?
- How do credit card companies stop people from putting inappropriate photos on their cards?
Ph.D., Professor, Department of Marketing and Director - Digital Marketing Program, College of Business, Bryant University
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Associate Professor, University of North Dakota
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Instructor, Department of Marketing, Nistler College of Business and Public Administration, University of North Dakota
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Senior Lecturer, Metropolitan State University of Denver
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Adjunct Professor of Marketing, St. Joseph University
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Ph.D., Professor of Marketing, McColl School of Business, Queens University of Charlotte
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Important Disclosures
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
† Approval Odds are WalletHub estimates intended to gauge your likelihood of approval for a particular product. Approval Odds are based on WalletHub data and are not provided or endorsed by the lender. Approval Odds are not meant to imply or guarantee that you will be approved by the lender or that credit will be extended. WalletHub may share your information with third-parties in order to show personalized offers, as well as enable you to interact more easily with pre-fill forms or applications. You can opt-out of sharing your personal info here.
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Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any issuer.
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