Pick a card, any card

Something many sites get wrong: not letting you store a description of a credit card. This is too often what stored credit cards look like:

From that list, a consumer doesn’t know what each card is for. It’s common for customers to use a corporate card, spouse’s card, FSA or a card for a specific purpose, e.g. to get free checked bags on an airline credit card.

A better approach is to let the customer label the cards.

Some people won’t care, so you can have the card description (e.g. “Amex … 1004”) prefilled in the label field. This approach doesn’t add friction for those who don’t need it, but removes friction for those who do.