A transaction card (300, 1020, 1050, 1900), comprising: a metal layer having a visual appearance, a thickness, a metal layer front face (104, 114, 1150), a metal layer back face (106, 116, 1152), and at least two openings (1920, 1930) comprising windows or pockets extending through at least the front face (104, 114, 1150), the metal layer also including at least one discontinuity extending from the periphery of the card (300, 1020, 1050, 1900) to at least one of the at least two openings (1920, 1930) and at least one another discontinuity connected to and extending between the at least two openings (1920, 1930); a transponder module and an insert (800, 804, 1104, 1302) respectively disposed in the one of the at least two openings (1920, 1930), such that the insert (800, 804, 1104, 1302) is located or positioned in close proximity of the transponder module, the insert (800, 804, 1104, 1302) having an insert front-face (104, 114, 1150) visible through the respective one of the at least two openings (1920, 1930), the insert front face (104, 114, 1150) having a different visual appearance than the metal layer; one or more non-functional features visible from a front surface of the card (300, 1020, 1050, 1900) in contrast to the visual appearance of the insert (800, 804, 1104, 1302) front-facing surface disposed beneath the non-functional features, wherein the insert (800, 804, 1104, 1302) is one of: (a) non-transparent and non-translucent; or (b) transparent or translucent, and configured to transmit backlighting to the non-functional features through a back surface of the card (300, 1020, 1050, 1900); the insert (800, 804, 1104, 1302) located in the metal layer in a position that improves RF performance of the transponder module relative to a card (300, 1020, 1050, 1900) with an absence of the insert (800, 804, 1104, 1302); and the insert (800, 804, 1104, 1302) comprises an illuminable LED (1815, 1932a, 1932b) display, the illuminable LED (1815, 1932a, 1932b) display comprising an OLED module. a metal layer having a visual appearance, a thickness, a metal layer front face (104, 114, 1150), a metal layer back face (106, 116, 1152), and at least two openings (1920, 1930) comprising windows or pockets extending through at least the front face (104, 114, 1150), the metal layer also including at least one discontinuity extending from the periphery of the card (300, 1020, 1050, 1900) to at least one of the at least two openings (1920, 1930) and at least one another discontinuity connected to and extending between the at least two openings (1920, 1930); a transponder module and an insert (800, 804, 1104, 1302) respectively disposed in the one of the at least two openings (1920, 1930), such that the insert (800, 804, 1104, 1302) is located or positioned in close proximity of the transponder module, the insert (800, 804, 1104, 1302) having an insert front-face (104, 114, 1150) visible through the respective one of the at least two openings (1920, 1930), the insert front face (104, 114, 1150) having a different visual appearance than the metal layer; one or more non-functional features visible from a front surface of the card (300, 1020, 1050, 1900) in contrast to the visual appearance of the insert (800, 804, 1104, 1302) front-facing surface disposed beneath the non-functional features, wherein the insert (800, 804, 1104, 1302) is one of: (a) non-transparent and non-translucent; or (b) transparent or translucent, and configured to transmit backlighting to the non-functional features through a back surface of the card (300, 1020, 1050, 1900); (a) non-transparent and non-translucent; or (b) transparent or translucent, and configured to transmit backlighting to the non-functional features through a back surface of the card (300, 1020, 1050, 1900); the insert (800, 804, 1104, 1302) located in the metal layer in a position that improves RF performance of the transponder module relative to a card (300, 1020, 1050, 1900) with an absence of the insert (800, 804, 1104, 1302); and the insert (800, 804, 1104, 1302) comprises an illuminable LED (1815, 1932a, 1932b) display, the illuminable LED (1815, 1932a, 1932b) display comprising an OLED module.