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The best looking credit card designs

Best-credit-card-designs

As anyone who’s ever dated will tell you – good looks aren’t everything, but they certainly help.

Everything you own says something about you, even your credit card. A nice cover design shouldn’t be the only reason to choose a credit card – that would be madness – but if you’re going to have one, why not make it attractive?

To save you the headache of going through all the different options out there, I’ve done the hard work for you. I’m nice like that. Behold, a collection of credit cards that are sure to turn your head.

 

THE SWEET OPTION

 

 

 

I love this sweet and innocent offering from Tesco. And with 0% fee on balance transfers for up to 24 months and 0% on purchases for 1 month, it’s certainly caught my eye. The little tease.

Representative 18.9%

Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (variable), representative 18.9% APR (variable). Credit available subject to status. The 0% offer is applied to any balances transferred within the first 90 days of account opening.

Watch out for

  • Expensive to withdraw cash and to use abroad

 

THE STALLION

Proud and powerful – the Platinum Low Rate Credit Card from Lloyds is like the Mr Darcy of the credit card world. It’ll sweep you off your feet, with no introductory rate and a low APR.

 Representative 18.9% APR

Watch out for:

  • Expensive to use overseas

 

If this doesn’t take your fancy, fear not. This card has three siblings that are just as desirable; the Platinum 24 Month Balance Transfer and Purchase Card, Choice Rewards Card and Lloyds Platinum 24 Balance Transfer Card. All offer 0% on balance transfers and 0% on purchases. Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.94% (variable), with a £24 annual fee, representative 23.7% APR (variable). 

Watch out for:

high representative APR of 20% or more so borrowing with this card is expensive compared to others

 

SLEEK AND SOPHISTO

Diamonds are everyone’s best friend and this classy little number from Vanquis Bank is perfect if you’re partial to a bit of bling. The Black Diamond Credit Card is great for credit building and although there’s no science behind this, I reckon this is the card James Bond would go for. Representative 59.9% APR (variable)

Watch out for:

  • High APR

 

COOL AND TRUSTWORTHY

Fresh and clean, this is a card you’d be happy to take home to your mum. Well-turned-out and presentable, it might even bring flowers and ignore her weird collection of ceramic animals. If you’re a student, or new to credit, this one might even become your first love. Ahhh.

Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 29.71% (variable), representative 29.7% APR (variable). Credit available subject to status.

Watch out for:

  • High interest rate on purchases, cash withdrawals and balance transfers

 

WISE AND MATURE

Been around the block a bit? This card is designed for those over 50 and should come with a nice biscuit. Offering 0% on balance transfers, 0% on purchases and low APR, I think you might do worse than settling down with the Platinum Card from Saga.  

Representative 11.9% APR 

Representative example ‘If you had a credit limit on your card of £1,200, you used your full limit to make a single card purchase immediately after receiving your card and you repaid in equal monthly payments over 12 months at an interest rate of 11.29% variable, the total amount you will pay back is £1,273.40.’

Watch out for:

  • A balance transfer fee of 3% applies.

 

THE PEACOCK

Sure, this card might be loud, but wouldn’t you be if you could shout about 0% on balance transfers and 0% on purchases for 25 months Let the All Round Credit Card from Virgin strut its stuff and we know you won’t be disappointed.

representative 18.9% APR

Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (variable), representative 18.9% APR (variable). Credit available subject to status. 1.50% fee

  • Watch out for:
  • This card is expensive to withdraw cash and to use overseas

 

THE NOT UNDATEABLES

At first glance, these cards might not be much to look at, but don’t let that fool you – they have hidden depths. If you’re looking for a long-term relationship, they could be the real thing.

 

The Premium Plus card from British Airways really is first class and offers great deals on and travel rewards.

Representative 76% APR

Watch out for:

  • A £12 fee is payable each time you do not pay your minimum payment by the due date

 

Apparently purple isn’t everyone’s favourite colour, but this card wears it well. Accessorising with 0% on balance transfers for 25 months, 0% fee and rewards points, it’s definitely doing it for me.

Representative 18.9% APR

18.95% APR on purchases

Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.95% (variable), representative 18.9% APR (variable). Credit available subject to status. fee applies on transfers made within your first 3 months. 3% afterwards (minimum £3).

Watch out for:

  • High APR

 

Of course, looks and charm aside, you do have to be careful which card you fall in love with. Don’t be dazzled by promises of exotic travel, rewards and treats if you’re not ready to settle down. Seek on my page and you will find – you’ll know when you have found ‘the one’.

Peace and loans,

The G