diff --git a/StripePaymentSheet/StripePaymentSheet/Source/Helpers/UIImageView+Extensions.swift b/StripePaymentSheet/StripePaymentSheet/Source/Helpers/UIImageView+Extensions.swift
index 0ca62fc20b49..a482063a07a1 100644
--- a/StripePaymentSheet/StripePaymentSheet/Source/Helpers/UIImageView+Extensions.swift
+++ b/StripePaymentSheet/StripePaymentSheet/Source/Helpers/UIImageView+Extensions.swift
@@ -3,21 +3,29 @@
 //  StripePaymentSheet
 //
 
+@_spi(STP) import StripePaymentsUI
 import UIKit
 
 extension UIImageView {
     // Helper extension for downloading and setting image. Optionally process it before setting.
     // On failure or no URL, set fallback image.
+    // - shimmeringImage: If provided, displayed with a shimmer animation overlay while the download is in progress.
     func setImage(
         with url: URL?,
         processOnDownloadedImage: ((UIImage) -> UIImage)? = nil,
-        fallbackImage: UIImage
+        fallbackImage: UIImage,
+        shimmeringImage: UIImage?
     ) {
         guard let url else {
             self.image = fallbackImage
             return
         }
 
+        if let shimmeringImage {
+            self.image = shimmeringImage
+            addShimmer()
+        }
+
         // We use `tag` to ensure that if we call `setImage(with:)` multiple times,
         // we ONLY set the image from the `urlString` for the last `urlString` passed.
         //
@@ -30,15 +38,35 @@ extension UIImageView {
                 await MainActor.run {
                     if self?.tag == url.hashValue {
                         self?.image = processedImage
+                        self?.removeShimmer()
                     }
                 }
             } catch {
                 await MainActor.run {
                     if self?.tag == url.hashValue {
                         self?.image = fallbackImage
+                        self?.removeShimmer()
                     }
                 }
             }
         }
     }
+
+    func addShimmer() {
+        removeShimmer()
+        let shimmer = ShimmerView()
+        shimmer.translatesAutoresizingMaskIntoConstraints = false
+        clipsToBounds = true
+        addSubview(shimmer)
+        NSLayoutConstraint.activate([
+            shimmer.topAnchor.constraint(equalTo: topAnchor),
+            shimmer.bottomAnchor.constraint(equalTo: bottomAnchor),
+            shimmer.leadingAnchor.constraint(equalTo: leadingAnchor),
+            shimmer.trailingAnchor.constraint(equalTo: trailingAnchor),
+        ])
+    }
+
+    func removeShimmer() {
+        subviews.compactMap { $0 as? ShimmerView }.forEach { $0.stopShimmering() }
+    }
 }
diff --git a/StripePaymentSheet/StripePaymentSheet/Source/PaymentSheet/Saved Payment Method Screen/SavedPaymentMethodCollectionView.swift b/StripePaymentSheet/StripePaymentSheet/Source/PaymentSheet/Saved Payment Method Screen/SavedPaymentMethodCollectionView.swift
index 1697a931969d..22128bbbf72e 100644
--- a/StripePaymentSheet/StripePaymentSheet/Source/PaymentSheet/Saved Payment Method Screen/SavedPaymentMethodCollectionView.swift	
+++ b/StripePaymentSheet/StripePaymentSheet/Source/PaymentSheet/Saved Payment Method Screen/SavedPaymentMethodCollectionView.swift	
@@ -361,11 +361,14 @@ extension SavedPaymentMethodCollectionView {
                         if let cardArtURL = paymentMethod.cardArtCDNURL(cardArtEnabled: cardArtEnabled) {
                             if paymentMethodLogo.tag != cardArtURL.hashValue {
                                 paymentMethodLogo.tag = cardArtURL.hashValue
-                                paymentMethodLogo.image = nil
+                                paymentMethodLogo.image = STPImageLibrary.cardBrandChoiceImage()
+                                paymentMethodLogoHeightConstraint.constant = CGFloat(STPPaymentMethod.cardArtHeight)
+                                paymentMethodLogo.addShimmer()
                             }
                             Task {
                                 let image = try? await DownloadManager.sharedManager.downloadImage(url: cardArtURL)
                                 guard paymentMethodLogo.tag == cardArtURL.hashValue else { return }
+                                paymentMethodLogo.removeShimmer()
                                 if let image {
                                     paymentMethodLogo.image = image.roundedWithBorder(radius: 3)
                                     paymentMethodLogoHeightConstraint.constant = CGFloat(STPPaymentMethod.cardArtHeight)
diff --git a/StripePaymentSheet/StripePaymentSheet/Source/PaymentSheet/Vertical Main Screen/RowButton.swift b/StripePaymentSheet/StripePaymentSheet/Source/PaymentSheet/Vertical Main Screen/RowButton.swift
index fc0d83dc21ac..ffc08559b510 100644
--- a/StripePaymentSheet/StripePaymentSheet/Source/PaymentSheet/Vertical Main Screen/RowButton.swift	
+++ b/StripePaymentSheet/StripePaymentSheet/Source/PaymentSheet/Vertical Main Screen/RowButton.swift	
@@ -554,7 +554,8 @@ extension RowButton {
         if appearance.cardArtEnabled {
             imageView.setImage(with: paymentMethod.cardArtCDNURL(cardArtEnabled: appearance.cardArtEnabled),
                                processOnDownloadedImage: { $0.roundedWithBorder(radius: 3) },
-                               fallbackImage: savedPaymentMethodRowImage)
+                               fallbackImage: savedPaymentMethodRowImage,
+                               shimmeringImage: STPImageLibrary.cardBrandChoiceImage())
         } else {
             imageView.image = savedPaymentMethodRowImage
         }
diff --git a/StripePaymentSheet/StripePaymentSheet/Source/PaymentSheet/Views/ShimmerView.swift b/StripePaymentSheet/StripePaymentSheet/Source/PaymentSheet/Views/ShimmerView.swift
new file mode 100644
index 000000000000..b7b65cb3a379
--- /dev/null
+++ b/StripePaymentSheet/StripePaymentSheet/Source/PaymentSheet/Views/ShimmerView.swift
@@ -0,0 +1,53 @@
+//
+//  ShimmerView.swift
+//  StripePaymentSheet
+//
+
+import UIKit
+
+/// A view that displays a sliding shimmer animation overlay.
+/// Used as a loading indicator while card art images are downloaded.
+class ShimmerView: UIView {
+    private let gradientLayer = CAGradientLayer()
+
+    override init(frame: CGRect) {
+        super.init(frame: frame)
+        isUserInteractionEnabled = false
+        isAccessibilityElement = false
+        clipsToBounds = true
+        setupGradient()
+    }
+
+    required init?(coder: NSCoder) {
+        fatalError("init(coder:) has not been implemented")
+    }
+
+    override func layoutSubviews() {
+        super.layoutSubviews()
+        gradientLayer.frame = bounds
+    }
+
+    private func setupGradient() {
+        gradientLayer.colors = [
+            UIColor.white.withAlphaComponent(0.0).cgColor,
+            UIColor.white.withAlphaComponent(0.4).cgColor,
+            UIColor.white.withAlphaComponent(0.0).cgColor,
+        ]
+        gradientLayer.startPoint = CGPoint(x: 0, y: 0.5)
+        gradientLayer.endPoint = CGPoint(x: 1, y: 0.5)
+        gradientLayer.locations = [-0.5, -0.25, 0.0]
+        layer.addSublayer(gradientLayer)
+
+        let animation = CABasicAnimation(keyPath: "locations")
+        animation.fromValue = [-0.5, -0.25, 0.0]
+        animation.toValue = [1.0, 1.25, 1.5]
+        animation.duration = 1.2
+        animation.repeatCount = .infinity
+        gradientLayer.add(animation, forKey: "shimmer")
+    }
+
+    func stopShimmering() {
+        gradientLayer.removeAllAnimations()
+        removeFromSuperview()
+    }
+}