UV finished will generally make the plastic cards come out nice in color quality, more vibrant, but if the plastic cards are being used a lot there would be no protection. UV finish is recommended for cards that have bright color in nature, cards that will not be handled often or maybe a one-time use reward card or some kind of discount card.
Overlay makes the color less vibrant but it lasts longer if the cards are being used more often. There is more protection with this option. We recommend using overlay with membership cards, loyalty cards, rewards cards, any type of cards that will be used frequently.