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Photo Credit Cards

Photo Credit Cards

Photo cards are credit cards that offer a special feature of allowing you to place one of your favorite photos on the credit card itself. Some people decide to personalize their photo cards with a picture of their children, spouse, friends, etc. Photo credit cards offer a great way to personalize a boring piece of plastic that you use multiple times every day with a picture that brings you joy. All of the credit cards listed below are photo cards. Compare and apply for the photo card that best meets your needs. Please remember that after you get approved for one of the photo cards you will get a chance to personalize the plastic of your new credit card.

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    3.5

    Capital One® VentureOne® Rewards Credit Card

    capital one ventureone rewards credit card
    • 0% PURCHASES until April 2015
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 11.9% - 19.9% (V)
    ANNUAL FEE None
    REWARDS Miles
    BASE EARN 1.25 miles / $1
    MAX EARN 1.25 miles / $1
    • Earn unlimited 1.25 miles on every purchase, every day.
    • Enjoy a one-time bonus of 20,000 miles once you spend $2,000 on purchases within the first 3 months, equal to $200 in travel.
    • Fly any airline, stay at any hotel, anytime.
    • Enjoy a low intro APR on purchases.
    • Travel when you want—no blackout dates.
    • Miles don’t expire.
    • No limit to the miles you can earn.

     
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    4

    Capital One® Quicksilver® Cash Rewards Credit Card

    capital one quicksilver cash rewards credit card
    • 0% PURCHASES until January 2015
    • 0% TRANSFERS until January 2015 ;   Fee.....3%
    • REGULAR RATE 12.9% - 22.9% (V)
    ANNUAL FEE None
    REWARDS Cash Back
    BONUS $100
    BASE EARN 1.5%
    MAX EARN 1.5%
    • One-time $100 bonus after you spend $500 on purchases within the first 3 months.
    • Earn unlimited 1.5% cash back on every purchase, every day.
    • No rotating categories and no sign ups needed to earn cash rewards.
    • Redeem the cash back you earn for any amount, any time.
    • Your cash back doesn't expire.

     
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    4.5

    Capital One® Venture® Rewards Credit Card

    capital one venture rewards credit card
    • 0% PURCHASES Not Offered
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 13.9% - 20.9% (V)
    ANNUAL FEE $0 for 1st yr, $59 after
    REWARDS Miles
    BASE EARN 2 miles / $1
    MAX EARN 2 miles / $1
    • Earn unlimited 2X miles on every purchase, every day.
    • Enjoy a one-time bonus of 20,000 miles once you spend $2,000 on purchases within the first 3 months, equal to $200 in travel.
    • Fly any airline, stay at any hotel, anytime.
    • Travel when you want—no blackout dates.
    • Miles don’t expire.
    • No limit to the miles you can earn.

     
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    4

    Capital One® Platinum Prestige Credit Card

    capital one platinum prestige credit card
    • 0% PURCHASES until July 2015
    • 0% TRANSFERS until July 2015 ;   Fee.....3%
    • REGULAR RATE 10.9% - 18.9% (V)
    ANNUAL FEE None
    REWARDS None
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    3

    Capital One® QuicksilverOneSM Cash Rewards Credit Card

    capital one quicksilverone cash rewards credit card
    • 0% PURCHASES until January 2015
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 22.9% (V)
    ANNUAL FEE $39
    REWARDS Cash Back
    BONUS None
    BASE EARN 1.5%
    MAX EARN 1.5%
    • Earn unlimited 1.5% cash back on every purchase, every day.
    • No rotating categories and no sign ups needed to earn cash rewards.
    • Redeem the cash back you earn for any amount, any time.
    • No limit to the cash back you can earn.
    • Your cash back doesn't expire.

     
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    3.5

    Capital One® Platinum Credit Card

    capital one standard platinum
    • 0% PURCHASES Not Offered
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 24.9% (V)
    ANNUAL FEE $0 for 1st yr, $19 after
    REWARDS None
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    4.5

    Capital One® Classic Platinum Credit Card

    capital one classic platinum mastercard
    • 0% PURCHASES until January 2015
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 22.9% (V)
    ANNUAL FEE $39
    REWARDS None
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    4.5

    Wells Fargo® Platinum Credit Card

    wells fargo platinum credit card
    • 0% PURCHASES 12 months
    • 0% TRANSFERS 12 months ;   Fee.....3%
    • REGULAR RATE 10.15% - 24.99% (V)
    ANNUAL FEE None
    REWARDS None
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    4

    Wells Fargo® Rewards® Credit Card

    wells fargo rewards card
    • 0% PURCHASES 12 months
    • 0% TRANSFERS 12 months ;   Fee.....3%
    • REGULAR RATE 12.15% - 25.99% (V)
    ANNUAL FEE None
    REWARDS Points
    BONUS None
    BASE EARN 1 point / $1
    MAX EARN 5 points / $1
    • Earn more from your purchases by earning 5 rewards points for every $1 spent on gas, grocery, and drugstore net purchases (purchases minus returns/credits) for 6 months
    • Earn 1 rewards point for every $1 spent on all other net purchases with your credit card.
    • Choose from over a thousand redemption options such as: Travel with no blackout dates, Cash rewards, gift cards, and brand-name merchandise, Charitable donations and eco-friendly options and VIP experiences and unique online auctions.
    • Turn everyday purchases into extraordinary rewards when you shop and earn rewards points with the Wells Fargo Rewards Card. You can also earn bonus points at over 3,000 online and in-store retail merchant locations.
    • Redeem for airfare and travel anywhere, anytime. Enjoy fewer air restrictions with no advance booking, no minimum stays, no required Saturday night stays, and no limits on the number of points you can use. The enhanced travel options allow you to redeem points online for hotels, car rentals, and activities.

     
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    3

    Wells Fargo® Secured Credit Card

    wells fargo secured card
    • SECURED CREDIT CARD Min Deposit of $300
    • ANNUAL FEE $25
    • MONTHLY FEE None
    • ONE-TIME FEES None
    • REGULAR RATE 18.99% (V)
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    COMMUNITY DISCUSSION

    Help others find the best photo cards by sharing what your deciding factor was when choosing your card (customer service, interest rate, fees, convenience, rewards, etc.)

     
    April 15, 2014
    Photo of Rebecca G.
    By: Rebecca Gretzinger
    I think that having the option to put a photo on a credit card is a good idea for the sake of personalizing your credit card only. I don't think it increases security very much, because most of the time cashiers won't look at your credit card anyway. I have a picture of myself on my credit card and I think I only had two or three people look at it to make sure it was me. Regardless, I like the idea of having a picture on a credit card because it allows people to express themselves and I will get another one in the future.
    March 31, 2014
    Photo of Jessica W.
    By: Jessica Walls-Lavelle
    The only way I think a photo credit card increases security is if it is a photo of the user only. If you use a photo of your family or friends or vacation it does nothing to increase the security. But even if you use a picture of yourself, that does not guarantee that the merchant is going to look at it. Someone could always say it is their friend or their kid. I think the only way this could work is if all credit cards were required to have a photo of the authorized users and merchants were required to check them.
    March 21, 2014
    Photo of Casi D.
    By: Casi Danielle
    Photo credit cards allow people to express themselves and display their personality or passion for everyone to see. I think they will be popular with consumers, especially those in their 20s and 30s, just because they are something new and unique.I think photo credit cards are a fun idea. I do not want a credit card that looks like one that everyone else has. I can see having some fun with it. Maybe wearing some crazy costume or finding a funny picture online and using it for my card design. I could also see how putting your actual photo would be good for security, but I don’t think I’d be willing to do that in case I lost it. I personally believe that photos on credit cards are very useful for security purposes, and are not necessarily used for aesthetic purposes. Hardly anyone checks the back of a credit card when making real world purchases anymore, no matter where you are or what you are purchasing, much less asks for additional identification. Because of this, it has become all too easy for someone's credit card to become compromised and easily used to make purchases everywhere and anywhere. With the photo on the card, a clerk is more likely than not, going to look at the photo and easily determine whether or not that is the true identification of the customer, thus preventing fraud and security issues.
    March 26, 2014
    Photo of Yo Hashuan
    Yo Hashuan
    You're not the only person on this page to say that putting a photo of yourself on your credit card is a good way to increase security, but honestly, I don't see how that'd be the case. There are certain cards that DO have space for a "security photo," but in this case we're just talking about a background decoration. If you center your face in the middle, it will have all of the numbering and lettering all over the important features. And if you place your face off to the side, it will likely be too small (or too difficult to position properly) to make any difference. Plus... if someone stole your card, it'd be easy enough for the thief to say "oh that's just a picture of my best friend, brother, favorite musician, etc." It's not going to act as any real security feature. So though I do like the idea of putting a photo on a card, and of getting to choose your own picture to personalize it, I'd probably end up going with something more fun or personally meaningful than just a big fat picture of my own face haha.
    April 2, 2014
    Photo of Bobby Tarumi
    Bobby Tarumi
    @Yo Hashuan: Agreed. A photo is more of a fun thing, not a security thing. And I think this card section doesn't have anything to do with the security photo on the back of the card anyway. A lot of the other comments I see here talk about that part rather than the personalization photo that goes on the front. Oh well, it's a good point to bring up. Also, I used to work at a retail store that required me to check ID for large purchases. The photo on the back of a credit card wasn't enough. If anything, that photo just caused more problems. The customers would get mad if I didn't accept their credit card as ID. I'd feel bad too, especially for female customers who had to dig through their purses for their ID, even though my common sense knew that their credit cards were fine. Rules are rules I guess. Well, rules were the rules, because I quit.
    March 4, 2014
    Photo of Samantha H.
    By: Samantha Hansel
    I think that photos on credit cards are a great idea. First, there's the practical issue: having a photo of myself on my card may increase my security and peace of mind as I use my credit card. In theory, at least, my picture on my card would be checked against my face, and if they didn't match, this would be questioned. Is that always going to happen? Probably not. Still, though, the chance of it is nice. Beyond that, it's fun to be able to personalize and customize a card for myself. Sometimes, I want to show off my pet or my personal belongings or what have you in a way that is distinctly me. Plus, it makes for a good small talk starter with a cashier. Overall, I think the picture-on-card idea is a good one.
    February 28, 2014
    Photo of AJ C.
    By: AJ Cox
    Photo credit cards really help in many ways. It's extremely beneficial to not have to worry about verifying the identity of the card holder. Basically, unless a credit card thief looks just like me, they wouldn't be able to use my card. In addition, it helps to verify I am the actual card holder. It's also very nice that you can choose your own photos rather than getting a mug shot like your drivers license. It gives me peace of mind that if I were to misplace my wallet, I wouldn't have to worry about someone ringing up a bunch of stuff with a cashier at a local store!
    February 19, 2014
    Photo of Will B.
    By: Will Button
    I find having a photo on my Wells Fargo card really helps in a few ways. Firstly, it eliminates the need for a cashier to look at the back to verify my identity. The picture of me clearly shows that it is my credit card. It's an extremely fast way of verifying identity. It is also a talking piece. Often times, people will comment on how cool it is to have your own picture on your card. I also believe it would help if my card was stolen. I highly doubt a cashier would accept a card from someone that had a different person's image on it.
    February 7, 2014
    Photo of Brent E.
    By: Brent Eickhoff
    Photo credit cards are a great way to increase security, but I believe that this would require people to have to actually look at them if they're a cashier. A lot of times, in my experience, at least, the cashier is so consumed in a long line that they may not look at the face on the card to double check if it matches the owner (or user) of the card. I have, however, seen a lot of people using photo cards as a way of personalizing their cards even more. One cool card I even saw was a credit card that was specifically for their child's college fund and it featured a picture of the children on it to reinforce that idea. Overall, I think cashiers would have to be more diligent if people were to utilize photos on credit cards as an added security measure.
    February 26, 2014
    Photo of Teresa Cron
    Teresa Cron
    Cashiers really should look more carefully at identification cards. I show them the back of my American Express and the cashiers never actually look at my face. Having a picture on a credit card is definitely a great extra security measure. Personalizing cards with photos sounds awesome. The child's college fund is such a great idea.
    January 29, 2014
    Photo of Robert J.
    By: Robert James
    Photo credit cards are a fantastic idea because not only do they allow one to express their individuality, there is also a psychological aspect to it. If someone is using a card that has an image on it that is special, funny, or simply enjoyable in some way, it may make the user want to use the card more often, or at the very least, more willing to use it more frequently than they would otherwise. Furthermore, if someone is using a card with a particular image on it, it is a conversation piece, and it would be helpful when meeting new people.
    January 15, 2014
    Photo of Christine H.
    By: Christine Helton
    Photo credit cards allow people to express themselves and display their personality or passion for everyone to see. I think they will be popular with consumers, especially those in their 20s and 30s, just because they are something new and unique.
    January 13, 2014
    Photo of Scott S.
    By: Scott Smith
    The good thing about photo credit cards is that they allow people to express their individuality while providing the security of normal cards. If you're out at lunch with several people, for example, you can tell your card apart instantly because of the customizable picture. I think if I were to choose a picture credit card, I would choose the Capital One Quicksilver Cash Rewards card, because its rewards seem to be exactly what I am looking for.
    January 9, 2014
    Photo of Latonia H.
    By: Latonia Hurtado
    I do not believe that images on credit cards can increase the security of transactions because people change over time and people can look similar to one another. Even though it's a good suggestion, it should not be something taken at face value. I think the best way to secure a transaction is continuing with the old way which is using good old Government issued photo identification (ID)and making comparisons with the name, signatures, photo, etc. I believe this way of verification is much more secure than just going by image alone. Simply having a photo or image on a credit card still does not prevent fraud and/or issues that may arise.
    January 8, 2014
    Photo of Terry J.
    By: Terry Jablonski
    I have a Capital One Venture card with my picture on it. I always had the option of putting a photo on my card, but I didn't chose to do it until I had a different card stolen from me and big charges were racked up against it. I felt like having my picture on the card would add a level of security. My thought is that if someone who doesn't look like me tried to use the card, they would be questioned by the cashier. I also thought it might help get the card returned to me if I ever lost it. Other than the photo option, I use this card all the time to take advantage of the great rewards program.
    January 7, 2014
    Photo of Doug M.
    By: Doug MyVegas
    I think photo credit cards are a fun idea. I do not want a credit card that looks like one that everyone else has. I can see having some fun with it. Maybe wearing some crazy costume or finding a funny picture online and using it for my card design. I could also see how putting your actual photo would be good for security, but I don’t think I’d be willing to do that in case I lost it. If I were getting a photo credit card, I would choose the Capital One QuickSilver Cash Rewards card.
    January 3, 2014
    Photo of Nicole B.
    By: Nicole Bedard
    I personally believe that photos on credit cards are very useful for security purposes, and are not necessarily used for aesthetic purposes. Hardly anyone checks the back of a credit card when making real world purchases anymore, no matter where you are or what you are purchasing, much less ask for additional identification. Because of this, it has become all too easy for someone's credit card to become compromised and easily used to make purchases everywhere and anywhere. With the photo on the card, a clerk is more likely than not, going to look at the photo and easily determine whether or not that is the true identification of the customer, thus preventing fraud and security issues. The only down side to this, is that a photo on a credit card does not matter when it comes to internet purchases.
    December 21, 2013
    Photo of Corey K.
    By: Corey Kozak
    Personally, I don't believe that having a photo on a credit card does much to increase the security of that particular card. The reasoning behind this is that I cannot think of any realistic scenario in which the theft, or unauthorized use of a credit card, would be deterred due to the credit card having a picture on it. For example, if a person decided to personalize their credit card with a picture of themselves, and somebody ended up stealing that credit card, they could simply claim that the picture is of a close relationship partner or family member in the case that they are questioned about it. Therefore, I think photos on credit cards should purely be viewed as a form of personalization and entertainment for oneself, and not be relied upon as a method of increasing the security of the card.
    December 16, 2013
    Photo of Scott S.
    By: Scott Smith
    Photos on credit cards are extremely useful for security. Nobody that I know actually signs on the back of the card, because it forces the clerk to ask for a photo ID. Adding the photo to the card negates that problem and would allow people to feel better about signing their card. Also, most clerks don't even ask for an ID. With a photo on the card itself, it would negate that issue as well, resulting in much better security.
    December 13, 2013
    Photo of Doug M.
    By: Doug Miller
    I would choose to get a photo credit card because it would allow me to express myself. It would let me show my school spirit for my favorite college team. I’d consider getting a second card so I could put a picture of my daughter so I could see her when I used the card and hopefully let that motivate me to make smarter purchases. I would choose the Capital One Venture Rewards Credit Card.
    November 27, 2013
    Photo of Amy F.
    By: Amy Fisher
    I think the biggest reason to get a photo credit card is to help prevent fraud. Nobody else could take your card into a store and use it if your photo is on it. Also, some people like having the option to customize their card. Most credit cards are very generic, and plain looking. With a photo card, you can stand out from everyone else. My choice would be the Capital One Venture Rewards Credit Card.
    November 24, 2013
    Photo of Ashley F.
    By: Ashley Fraiser
    One might choose to get a photo card so that if they misplace the card or lose it, it would be easier to identify the card since it wouldn't look like the normal generic card layout. Also, one could use the card to put their own photo on it in hopes that it would prevent fraud from someone else using their card. If I were to get a photo credit card I'd get the Capital One Quicksilver Cash Rewards card.
    November 11, 2013
    Photo of Layla G.
    By: Layla Gardner
    As someone who takes opportunities to express herself, I find customizable credit cards a nice change of pace. They allow anyone to personalize what is usually a very formal symbol of financial transaction just for fun, or even to show support for a cause or organization. I would definitely choose the Capital One Platinum Prestige Credit Card.