In an effort to attract consumers to use their credit cards, banks are now offering unique card with sleek features. AMEX has introduced a new card that has “plunk Value”. This card is actually not made out of plastic, but actual metal. So in a battle to get that top position in your wallet or purse, banks are offering less in interest rate offer, but a card that maybe smells of coffee. How about a card that folds up in you wallet? The consumer has been bombarded with credit card offers, to switch their balances to the next great offer. And maybe those offers are running their course. As the Fed increases the interest rate, bank cards are having more trouble in providing those 0% offers.

Research has shown that the more unique the card the longer the card user is to hold on to it. Case in point is the AMEX Blue transparent card. I carry one and the unique transparent card is unique and does get attention. I have held onto my card for over 5 years. Next will be cards that act as more than a credit card. I waiting for the day someone brings out the MP3/credit card. So you can listen to your favorite tunes while charging that next pair of jeans.