While many card issuers offer an endless choice of credit card designs and perhaps a few options on card features, one issuer is offering a truly customized card. The recently introduced “One of a Card VISA” enables users to personalize the entire face of the card with just about any kind of a photo, plus cardholders get to choose their rates and rewards. The unique card is the brainchild of First National Bank of Omaha, the 16th largest issuer in the USA.
To personalize the card face, users simply scan a photo or upload it from a digital camera. At the issuers Web site, users can then shrink or enlarge the photo, and customize the card using fun tools like artistic borders, etc. Images can also be rotated or flipped using the online tools. Cardholders are permitted to change the image on the card up to four times a year.
When it comes to card features, users get to choose from four rate and reward options. Option #1 is the “First AirMiles Rewards” program offering one reward point for each dollar charged, up to 75,000 points per year. Points can be accumulated for up to five years and are redeemable for travel, merchandise, and retail gift cards. This option carries no annual fee and an interest rate of LIBOR +6.5%. Option #2 is the “Rewards Advantage” program offering one reward point for each dollar charged, up to 75,000 points per year. Points can be accumulated for up to five years and are redeemable for cash back, retail gift cards, travel gift certificates, or merchandise. This option carries no annual fee and an interest rate of LIBOR +6.5%. Option #3 is “The Consolidator” program offering a 4.99% fixed interest rate for the life on balance transfers made at the time of application. This option carries no annual fee and an interest rate of LIBOR +7.5%. Option #4 is “The Bottom Line” program offering 0% APR for the first 12 billing cycles on purchases and balance transfers, and then LIBOR +6.5%. There is also no annual fee for Option #4. LIBOR stands for “London Interbank Offered Rate” and is 2.34% this week. For more information on the “One of a Card VISA” “http://www.oneofacard.com”:http://www.oneofacard.com.