Yahoo Finance reported in a weekend edition article that credit card companies were turning towards creating flashier cards in order to entice consumers to use them. American Express is making some fancy card that “folds in half and pops out of a silver case attached to a key ring.” J.P. Morgan Chase will be offering a Battlestar Galactica themed card that features a “fiery red, outer-space-themed card.” You’ve also probably seen something MBNA did back in the day where they made cards that tapped into your allegiance to your college or your favorite sports team.

Don’t let the cool factor of your card sway your decision on what you should use, let the money do the talking. Get a solid boring looking cash back card that will pay you, not a stupid fancy looking card. No one will see you when you use your credit card, no one cares what your credit card looks like, and it still offers the same level of credit as any other card… get something with cash back.

This is another trick by credit cards to get you to use a card that may be sub-par, don’t let them trick you.