the biggest problem is that white can not be used as text color due to bleeding in the process... it just doesn't show well.
the circle is 1/4" no larger, it is covered by a sticker, no need to make it more visible as it is intended to not be seen
the current sticker disclaimer is necessary, because only current card holding members will have access to the shop discounts... if the retailers are not aware that there is an indication of wether or not the holder is current, paying members will be cheated out of a benefit.
otherwise i like it, personally i can't stand word art so i don't use it much, but everything is open to debate
one way to judge by size is to scroll up to the pics, get out a credit card, hold it in front of you and move it forward and back until it is visually the same size as the image, and then bracketing the credit card with your fingers, remove it with your other hand. this will give you some idea of the scale and how well objects and text show up. hopefully that made sense to a couple people :P