Welcome to the Tearsheet Podcast. I'm Zack Miller. It feels like everyone is talking about how cool the Apple Card looks. But Apple is just a beautiful example of a new type of credit card. Alongside the evolution of digital payments, something interesting is happening with physical credit and debit cards. From design, orientation, colors, and materials, physical cards are seeing a significant makeover. Tearsheet's Sara Toth Stub recently wrote a story on the aesthetic innovations in credit and debit cards. It's not just challenger banks coming out with sleek metal cards in lots of new colors, either. Digital payment players like Venmo and PayPal have issued innovative cards. Wells Fargo and Citi are good examples of incumbents that are also pushing the envelope on the physical design of cards. Sara Toth Stub is my guest today for a deep dive podcast to discuss the innovations happing in the physical world of payments.