Transparent Credit Card

Transparent credit cards are specifically designed to offer cardholders a variety of benefits, including freedom from fees, transparency in terms and conditions, rewards, and other perks. Some are made with clear plastic, showing the actual circuitry of the chip and other elements usually hidden by opaque plastics.

A popular card with a transparent design from American Express is Blue Cash Everyday®, offered with no annual fees, with 0% intro APR on purchases and balance transfers for 15 months then variable APR, 14.49% to 25.49%. It is a cash-back credit card that also offers points and rewards, as well as car rental loss and damage insurance, and other perks for conscious travelers. 

In 2014, India’s ICICI Bank partnered with American Express to launch a transparent credit card that offers cardholders a clear design with no opacity, and exceptional benefits on dining, shopping, travel, and entertainment. Users can enjoy two complimentary movie tickets every month, complimentary access to select airport lounges in India, 15% savings on dining bills at over 2500+ restaurants across India, and much more. 

PenFed Promise Visa® Card is not made of clear plastic but offers a different type of transparency.  It comes with no annual fees, balance transfer fees, cash advance fees, foreign transaction fees, over-the-limit fees, or returned payment fees. It has a 4.99% promotional balance transfer rate for 12 months on transfers made between October 1, 2019, to March 31, 2020. After that, the APR for the unpaid balance and any new balance transfers can be between 11.99% and 17.99%, depending on the creditworthiness of the cardholder. 

N26 bank offers customers transparent cards issued by Visa or MasterCard. The design is clear plastic, allowing you to see the RFID and EMV circuits, but the most important benefits are that they are offered with no hidden fees, free withdrawals worldwide, free payments in any currency with no surcharge for paying abroad, comprehensive travel insurance, and other perks. 

These are some of the most popular transparent cards. Although PenFed Promise Visa® does not feature clear design, it is worth counting for the transparency in terms and lack of fees. Beyond design, this type of transparency is what cardholders appreciate and need the most.