Case study · Email design

Card offer emails for Credit Karma, round by round

I designed Credit Karma's card offer emails at Brightwave. Most paired one partner card with one kind of member. In all, that came to 14 jobs, most with several rounds, A and B versions, and a phone view.

Client
Credit Karma
Agency
Brightwave
My role
Interactive DesignerI owned the email design.
Channel
Email and Gmail ads
Tools
Sketch, Photoshop, After Effects
The problem

A steady run of card offers, each for a different partner bank and a different member. Every one had to look like Credit Karma and still show off the partner's card brand.

What I did

Designed 14 jobs: 13 email campaigns and a set of Gmail ads. I pitched more than one hero idea per job and took each one through rounds to a final, most with a phone version too.

How it was sent

Each round went to the client as a full comp with the subject line options and preview text on top, and often an A and a B version to pick from.

01 · The ask

One card, one member, one next step

Credit Karma recommends credit cards from partner banks to its members. Each job named the card and the member it was for: people new to credit, people rebuilding credit, people paying down card debt, people who want more rewards.

My job was to design the email: the hero idea, the layout, the desktop and phone versions, and every round of changes until it was ready to code.

The brief at a glance
14jobs, each a card offer for one kind of member
8rounds on the longest job, Wells Fargo
A / Bversions on most jobs, plus a phone view
The team
  • StrategistChose the card, the member and the goal for each send.
  • CopywriterWrote the subject lines, headlines and body copy.
  • DeveloperCoded the emails in HTML. An outside team coded and tested the Subprime email.
  • Me · DesignHero ideas, layout, photo picks, desktop and phone versions, and every round of changes.
02 · Process

How a brief became a final email

Four steps, the same for every job. Click any picture to see it full size.

01

Start from the brand

I built a design kit from Credit Karma's brand guide and email guide: type, buttons, star ratings, icons and banners. Every email started from the same pieces.

02

Pitch more than one idea

Most jobs opened with two to four hero ideas. For Balance Transfer: shed light on your debt, throw your budget a safety net, get back to dry land, or just transfer and save.

03

Change it round by round

Each round went to the client, and the next round started from what came back. When Credit Karma was not excited by the card offer designs, I made two animated versions. They loved both and went with them. Wells Fargo took eight rounds. New To Credit took seven.

04

Send the whole envelope

Each comp went out with the copywriter's subject line options and the preview text above the email, plus a phone view. The client saw every headline option in place, the way a member meets the email: in the inbox first.

03 · The work

Fourteen jobs, grouped by goal

The finals that tell the story best, grouped by what the email had to do. Partner cards appear as they did in the comps.

One partner card per email. The photo and headline change with the card. The bones stay the same: card art, star rating, one main button, and a way out for members who want something else.

Wells Fargo Cash Wise
Wells Fargo Propel
Credit One Cash Back
Citi Double Cash
Citi Diamond Preferred 1
Citi Diamond Preferred 2
Citi Simplicity 1
Citi Simplicity 2
04 · Concepts

Six jobs, and the thinking behind each one

Click one to see the idea, how it changed, and selected rounds and versions. The buttons inside switch rounds, versions and devices.

05 · The system

One layout, many partner cards

The partner, the member and the photo change from job to job. The layout stays the same, so every email still reads as Credit Karma, and a new card is a faster job.

How one email is built

Five parts, from top to bottom

Here is the Citi Simplicity email from top to bottom. Most partner emails above follow this order.

  1. 01
    Photo and headlineThe photo and headline change with each card. The Credit Karma logo always sits on top.
  2. 02
    The card is the product shotBig, tilted card art, often breaking out of its band. It is the one thing the email is selling.
  3. 03
    A short personal noteIt opens with the member's first name and says why this card fits them.
  4. 04
    One main buttonOne solid button to apply. Any second link is an outline, so the main action is clear.
  5. 05
    A way outA teal band asks "Not convinced?" and links to other picks. A member who says no to this card still has somewhere to go.
06 · What it became

Fourteen jobs, start to finish

  • 13 email campaigns and a set of Gmail ads, each taken from first idea to final comp.
  • Rounds sent to the client: eight for Wells Fargo, seven for New To Credit, four each for Credit Card Offers and Wells Fargo Propel.
  • The Subprime email was coded in HTML and tested across email clients.
What I would do now

Let members pick the winner

  • Send two hero ideas to small groups of members first, and let their clicks choose the final.
  • Turn the five parts into coded blocks, so a new partner card is a swap, not a new comp.
  • Test a complete message against a control, then isolate the subject line or hero in follow-up tests.
More work

See the other case studies

Email design · look book

Synovus

Emails I designed at Brightwave for Synovus, shown as a look book. It covers Credit Card Activation, Private Wealth and the Project Elevate check-ins.

  • Email
  • Look book
  • Credit card activation
  • Private wealth
  • Project Elevate
  • Brightwave

Interactive email · Gmail ads

Credit Karma

Email and Gmail ad work I made at Brightwave for Credit Karma. The original email design used placeholder text, so its copy was rewritten for the portfolio.

  • Email
  • HTML email
  • Mobile email
  • Gmail ads
  • Credit Karma
  • Brightwave

Brand · campaigns · events

risk3sixty

The brand behind a cybersecurity firm that grew from about 15 to 50 people. I designed its brand, campaigns, sales materials and event graphics.

  • Digital ads
  • Landing pages
  • Email
  • Social
  • Decks
  • One-pagers
  • Booths
  • Print
  • Video

Product brand · naming · UI direction

fullCircle GRC

risk3sixty’s own GRC (governance, risk and compliance) platform. I named it and built its identity. The C and its circle read as a pie chart and a status ring, the data the product exists to show.

  • Naming
  • Identity
  • Logo
  • UI direction

Mobile app · UX

SiteOne app

My own app idea, pitched to SiteOne, the landscape supply company, while it was a Brightwave client. Shown in a phone mockup.

  • Self-initiated project
  • Mobile app
  • UX
  • App screens
  • Phone mockup

Card 2 of 5: Credit Karma

Wells Fargo Cash Wise

The idea

A card offer that reads like a tip: you already have a Wells Fargo card, so here is one that could pay you more cash back. The photo sells the feeling. The card block below gives the facts.

How it changed

Round 1 had two openers: a photo hero with a bonus badge, or a lifestyle photo with a plain headline. Rounds 2 to 4 tried a curved photo edge, then a teal band. Round 5 swapped the photo for an animated card and wallet. Rounds 6 to 8 went back to the first opener, added a card block with three icons, and round 8 tried a dark phone version.

Design choices

The card block grows round by round: a name and a rating in round 1, then card art, three feature icons and the rating by round 6. The member gets the facts without leaving the email.

Wells Fargo Cash Wise email

Every round as sent to the client. Round 5 is animated. Watermarked photos are placeholders (FPO).

Balance Transfer

The idea

Card debt feels heavy and a little dark. Each idea pictures the way out: light at the end of a tunnel, a life ring, dry land, or simply the offer itself. Same email below, so only the hero is being judged.

How it changed

Round 1 used stock photos as placeholders (FPO), still watermarked. We bought photos only for the finals. By round 3 the photos were chosen, "Buoy yourself to a better card" became "Throw your budget a safety net", and the two card heroes became short animations.

Design choices

Headlines sit on the calm side of the photo. The 0% offer gets its own bold color, yellow, so it reads as good news.

What won

The client went with the two animated card heroes: "Transfer your balances and save" and "0% intro APR."

Balance Transfer email

Desktop comps. The two card heroes in round 3 are animated.

Credit One Cash Back

The idea

One card, two reasons to want it. Versions 1a and 1b talk about building credit: "Your credit journey starts here" and "Worry less. Build more." Versions 2a and 2b talk about cash back on everyday spending: a to do list for food and gas, and a simple sum.

How it changed in round 2

A color band now sits behind the card, mint for the credit versions and teal for the cash back ones. The photos changed. The to do list became an animation where each check ticks on, and "Food + Gas = Rewards" became "You do the math".

Design choices

The card always breaks out of its band, so it feels like an object you could pick up. Some versions end with a photo and one tip on using credit well: keep your balance low.

Credit One Cash Back email

Desktop comps carry the subject line options on top. Watermarked photos are placeholders (FPO). We bought photos only for the finals.

Credit Card Offers

The idea

Some members fit more than one card. This email shows a top pick and a few more. The design question: how many cards, and how much detail on each, before the list stops helping?

How it changed

Round 1 tried two layouts, each in a long and a short list. Round 2 added a green header with a personal line. Round 3 added a version with less detail per card. Round 4 led with "Skip the guessing game. We matched these cards to your credit." and tried two header colors.

Design choices

The top pick gets the big card and the full details. The rest get a small card, a name, a rating and a link, so the eye lands on one choice first.

Rates and fees in these comps are placeholders (XX%), not real offer terms.

Credit Card Offers email

A selection of the versions sent across four rounds.

New To Credit

The idea

A two email series for members who are new to credit. Email 1 plants the idea with a garden: "Let your credit bloom." Email 2 gives the plan: "3 steps to credit nirvana."

How it works

Each email has two designs to test. Version A is one design with two openers, and the second one speaks to members who have been away: "Long time, no see." Version B is a second design with its own photo and headline: "Help your scores grow up strong" and "Your next step toward credit bliss."

Design choices

Simple line icons and short numbered steps make the advice easy to skim. The card offer waits in a green band near the end, after the help.

New To Credit email

Round 7, the last round in the files.

Gmail ads

The idea

A Gmail ad lives in the Promotions tab as one line, a subject and a short description, then opens to a single card. It has seconds to earn the click.

How it works

Version 1 leads with saving: "Save money w/0% interest." Versions 2a and 2b share one headline, "Pay off debt faster", with two different runners, so the photo is the only thing that changes.

Design choices

Motion photos for a message about speed. Headline, one line of copy and one green button, all on the open side of the photo.

Gmail ad

The three ads as sent to the client.