This article was updated on June 25, 2018.
"If you're going to do something, do it with style!"
-- Jason Statham
When shopping for the credit card that's right for you, you should seek features such as low interest rates, generous sign-up offers, and no balance transfer or foreign transaction fees. But you might also want a little style, such as via a gold card or a black card -- something you can flash with aplomb at, say, the Ritz-Carlton hotel.
Here, then, are the best-looking credit cards.
Black card, gold card, and more
Many of the best-looking credit cards are fancy ones, with words such as "prestige" or "elite" on them. But even some more ordinary cards are pleasing to the eye. And just as with people, beauty can be found inside, too, in the form of pleasing perks and benefits.
Here are some lovely cards to consider applying for -- or to just enjoy looking at:
Chase Sapphire Reserve®
This card, with its lines suggesting the facets of a gem, offers a nice sign-up bonus of 50,000 points -- once you spend $4,000 in the first three months -- but here the points convert into a $750 value when you redeem them through Chase Ultimate Rewards. You'll earn triple points when spending on travel or restaurants, and when redeeming points for airfare, hotels, car rentals, or cruises, you'll get 50% more value for your points. The annual fee is a whopper -- $450 (plus $75 per authorized user) -- but using the $300 annual travel credit means it will only cost you $150. (Of course, if you don't use the credit on travel within the year, you'll owe the $450.) Perks include access to airport lounges and no foreign transaction fees. (Read our full Chase Sapphire Reserve® review.)
Platinum Card® from American Express
If you're looking for pizzazz in the American Express card family, you'll probably want the company's American Express Centurion® Card (The Black Card). That's so exclusive that it's invitation only, though, so instead check out the Platinum Card®, with its classic look in a modern metallic style. You might recoil when you see the annual fee of $550, but remember that it could be well worth it, if you rack up more than that in value each year. One benefit, for example, is up to $200 in credits toward Uber rides. You also receive $200 in airline fee credits, covering fees for checked bags, for example, on an airline you designate. There are benefits available at hotels, too, such as room upgrades. Another enticement is that you can receive 60,000 Membership Rewards® points once you make $5,000 in purchases during your first three months. Note that this is not exactly a credit card -- you're expected to pay the bill off in full each month. (Read our full Platinum Card® from American Express review.)
Ritz-Carlton Rewards® Credit Card
The name "Ritz-Carlton" alone can feel stylish, as the hotel brand has been associated with luxury for many decades. It's now owned by Marriott, and its credit card is striking. The black card is made of metal. It sports the famous Ritz-Carlton logo and charges a $450 annual fee. As with other elite cards, that hefty sum can be worth it if you're able to wring more in value out of the card. It offers two complementary nights as a sign-up bonus, if you spend $4,000 on purchases in the first three months, along with an annual $300 travel credit, a $100 hotel credit, and more perks, such as access to airport VIP lounges.
Capital One and Wells Fargo cards
If you're not that impressed with those cards and think you could design a better card, you can! Capital One and Wells Fargo, for example, allow you to personalize your credit cards by uploading your own image. So you can soon be charging away with a credit card featuring a photo of your family or pet or even a design or illustration of your own. Two cards worth considering are the Capital One® Quicksilver® Rewards and the Wells Fargo Cash Wise Visa® Card. The former features no annual fee, a $100 sign-up bonus if you make $500 worth of qualifying purchases during your first three months, and unlimited 1.5% cash back on your spending, while the latter features no annual fee, a $200 sign-up bonus when you spend $1,000 on purchases in the first three months, and 1.5% cash back on purchases. (Read our full Capital One® Quicksilver® Rewards review.)
If you're seeking a spiffy looking card, remember to evaluate its inner beauty, too, by seeing what cash, rewards, or other benefits it offers you. Remember, too, that the best credit cards tend to require high scores, so aim to have or attain a high score before applying.
Selena Maranjian owns shares of American Express, JPMorgan Chase, and Marriott International. The Motley Fool recommends American Express and Marriott International. The Motley Fool has a disclosure policy. The Motley Fool receives compensation from some advertisers who provide products and services that may be covered by our editorial team. It’s one way we make money. But know that our editorial integrity and transparency matters most and our ratings aren’t influenced by compensation. The statements above are The Motley Fool's alone and have not been provided or endorsed by bank advertisers. Review The Motley Fool’s ratings methodology to uncover how we pick the best credit cards.