Patinated or patina-ready metal transaction cards and manufacturing process

A non-provisioned transaction card having first and second visible surfaces, at least one of the first and second visible surfaces including a first area and at least one of the first and second visible surfaces including a second area separate from the first area,

• wherein the first area comprises (a) a patinated surface having a desired perceptible degree of patination preserved by a patina-retarding or patina-preventing coating or layer, or (b) a patina-ready surface having a surface treatment configured to promote accelerated patination relative to a surface not so configured,
• wherein when the first area comprises the patinated surface, the degree of patination of the first area is greater than a degree of patination of the second area, and
• wherein when the first area comprises the patina-ready surface, a rate of the accelerated patination is greater than a rate of patination of the second area.