Short Review of Best Metal Cards
|Name||Best for||Rewards Rate||APR||Apply|
Venture Rewards from Capital One
|Travel, Daily use||2x Miles on all purchases.||17.24% - 24.49% Variable.||Learn more|
Amazon Prime Rewards Visa Signature from Chase
|Metal||5% Cash Back at Amazon.com and Whole Foods Market with an eligible Prime membership.2% Cash Back at restaurants, gas stations and drugstores.1% Cash Back on all other purchases.||14.24% - 22.24% Variable.||Learn more|
Gold Card from American Express
|Cash Back||4x Points on dining.4x Points on groceries.3x Points on flights.1x Points on other eligible purchases.||15.99% - 22.99% Variable.||Learn more|
Sapphire Preferred® from Chase
|Travel, Restaurants, Daily use||$50 Earn up to $50 in statement credits each account anniversary year for hotel stays purchased through Chase Ultimate Rewards®.5x Points on travel purchased through Chase Ultimate Rewards®, excluding hotel purchases that qualify for the $50 Anniversary Hotel Credit.3x Points on dining, including eligible delivery services, takeout and dining out.3x Points on online grocery purchases (excluding Target, Walmart and wholesale clubs).3x Points on select streaming services.2x Points on other travel purchases.1x Point per dollar spent on all other purchases.||15.99% - 22.99% Variable.||Learn more|
Sapphire Reserve® from Chase
|Travel, Restaurants, Daily use||10x Points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® after the first $300 is spent on travel purchases annually.10x Total points on Chase Dining purchases with Ultimate Rewards®.5x Total points on flights when you purchase travel through Chase Ultimate Rewards® after the first $300 is spent on travel purchases annually.3x Points on other travel worldwide after the first $300 is spent on travel purchases annually.3x Points on other dining at restaurants, including eligible delivery services, takeout and dining out.1x Point per dollar spent on all other purchases.||16.99% - 23.99% Variable.||Learn more|
The Platinum Card® from American Express
|Young couples||5x Points on up to $500,000 spent on directly-booked airfare and flights (per calendar year).5x Points on prepaid hotels.1x Points on all other purchases.||15.99% - 22.99% Variable.||Learn more|
Savor Cash Rewards from Capital One
|Restaurants, Entertainment||4% Cash Back on dining and entertainment.3% Cash Back on groceries.1% Cash Back on all other purchases.||15.99% - 24.99% Variable.||Learn more|
Marriott Bonvoy Brilliant™ from American Express
|Hotel||6x Points on hotels. For eligible purchases at participating Marriott Bonvoy hotels.3x Points on dining. At restaurants, including takeout and delivery.3x Points on flights.2x Points on all other purchases.||15.74% - 24.74% Variable.||Learn more|
Altitude™ Reserve Visa Infinite® from US bank
|Metal||5x Points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center.3x Points for every $1 on eligible travel purchases and mobile wallet spending.||16.99% - 23.99% Variable.||Learn more|
Apple from Goldman Sachs
|Metal||3% Cash Back at Apple.3% Apple Card gives you unlimited 3% Daily Cash Back on purchases you make at select merchants when you use Apple Card with Apple Pay.2% Cash Back on other Apple pay purchases.1% Cash Back on everything else.||10.99% - 21.99% Variable.||Learn more|
Capital One Venture Rewards
Made of 75% recycled material, the Capital One Venture Rewards card weighs 16.6 grams, has a $95 annual fee and an APR range of 17.24% - 24.49% Variable.. It’s a top eco-friendly metal credit with an attractive sign-up bonus for new cardholders. If you spend $3,000 on purchases within three months from account opening, you get 60,000 miles, equivalent to $600 for travel.
You earn unlimited 2x miles per dollar on all purchases and 5x miles on hotels and rental cars booked via Capital One Travel. The card doesn't have a foreign transaction fee on purchases made outside the United States, and you're eligible for up to a $100 Global Entry or TSA Precheck credit every four years, which is an advantage when traveling abroad.
Additional perks include the transfer of miles to one of 15+ Capital One travel loyalty programs and $0 fees for balances transferred at the Transfer APR.
Read more about Capital One Venture Rewards
Chase Amazon Prime Rewards Visa Signature
Weighing 12.4 grams, Amazon Prime Rewards Visa Signature Card is one of the metal credit cards with no annual fee. However, you need an Amazon Prime membership, which is comparable to an average annual fee for a credit card. APRs range from 14.24% - 22.24% Variable.. Upon approval, you'll get an instant welcome bonus of a $100 Amazon Gift Card and continue to earn 5% cash back on Amazon and Whole Foods Market purchases with an eligible Amazon Prime membership.
Additional rewards include 2% cash back at drugstores, restaurants, and gas stations, and 1% cash back on all other purchases. There's also a limited-time offer of 10% back or more at Amazon on select products.
Read more about Chase Amazon Prime Rewards Visa Signature
American Express Gold Card
Weighing about 14.7 grams, the American Express Gold Card Card metal credit card has the APR of 15.99% - 22.99% Variable. and a $250 annual fee. The card features a generous sign-up bonus of 75,000 membership rewards points for the first $4,000 spent on purchases within six months from account opening.
The American Express Gold Card offers amazing rewards on dining and groceries. You earn 4X points per dollar at restaurants, including takeout and delivery, and 4X points at U.S. supermarkets up to $25,000 worth of purchases within a calendar year (1X points after that). Plus 3X points per dollar on flights booked directly with airlines or on amextravel.com.
Other perks include a $120 dining credit, a $120 Uber annual credit to dine or ride, and up to 12 months of complimentary UberEats Pass. Once enrolled, you'll get unlimited $0 delivery fees & 5% off restaurant orders of $15 or more through 31st December 2021.
Read more about American Express Gold Card
Chase Sapphire Preferred®
The Chase Sapphire Preferred® credit card is a top metal credit card for traveling which weight comes in at 12.4 grams. The card has a 15.99% - 22.99% Variable. and a $95 annual fee. In addition, it comes with an attractive intro bonus of 60,000 membership rewards points for the first $4,000 spent on purchases within 3 months from account opening, equivalent to $750 if redeemed for travel through Chase Ultimate Rewards.
You earn 5X points on travel purchased through Chase Ultimate Rewards, 2X points on other travel purchases, and up to $50 in statement credits each account anniversary year for hotels purchased through Chase Ultimate Rewards.
Other perks include 3X points on online grocery, select streaming services, dining, and 1X points per dollar on all other purchases.
Points redeemed for travel through Chase Ultimate Rewards are worth 25% more. Under the current offer, your points will also be worth 25% more if redeemed for statement credit against specific categories through the Pay Yourself Back feature.
Read more about Chase Sapphire Preferred®
Chase Sapphire Reserve®
The Chase Sapphire Reserve® is one of the best metal credit cards for travel. The card weighs 12.6 grams, has 16.99% - 23.99% Variable., a $550 annual fee, and $75 for each authorized user.
It features a generous welcome offer of 50,000 bonus points for the first $4,000 spend on purchases within 3 months from account opening. That's $750 if you redeem your bonus points for travel through Chase Ultimate Rewards.
The card offers exceptional travel rewards and benefits. After spending the first $300 on travel purchases annually, you earn 5X total points on flights and 10X points on hotels and car rentals purchased through Chase Ultimate rewards and 3X points on other travel worldwide. You'll also earn 10X points on Chase Dining purchases, 3X points on other dining at restaurants, and 1X point per dollar spent on all other purchases.
The good part is, your points will be worth 50% more when redeemed for travel through Chase Ultimate Rewards and 50% more with the Pay Yourself Back feature when you redeem them for statement credits on specific categories during the current offer. Plus, cardholders can transfer their Ultimate Rewards points to airlines and hotel loyalty programs at a 1:1 ratio.
Read more about Chase Sapphire Reserve®
American Express The Platinum Card®
Weighing 18.5 grams, The Platinum Card® is the heaviest credit card made of metal on our list of metal cards. APRs range from 15.99% - 22.99% Variable. , the annual fee of $695 is the highest on our list. For its fee, the card is fully loaded with perks on travel, dining, and entertainment.
New cardholders enjoy a welcome offer of 125,000 membership rewards points for the first $6,000 spent on purchases within 6 months from account opening and 10x points on eligible purchases up to $25,000 charged on the card within the same 6 months period.
You’ll then continue to earn 5X points on flights booked directly with airlines or with American Express travel up to $500,000 per calendar year, 5X points on prepaid hotels booked on AmexTravel.com, and 1X points per dollar spent on other purchases.
The Platinum Card® is also packed with annual statement credit perks like $200 hotel credit, $200 airline credit, $300 credit for Equinox, $200 Uber Cash, $240 digital entertainment credit, $155 Walmart+ credit. Additionally, you get a $100 Global Entry credit every 4 years or an $85 TSA PreCheck credit every 4.5 years.
Other perks include $179 Clear Credit, global dining access by Resy, $100 Shop Saks credit, elite hotels deals, lounge access, and robust travel protection, all with no foreign transaction fees.
Read more about American Express The Platinum Card®
Capital One Savor Cash Rewards
Weighing 17.42 grams, the Capital One Savor Cash Rewards is an excellent metal credit card for dining, entertainment, and groceries. The annual APR range is 15.99% - 24.99% Variable., with an annual fee of $95.
New cardholders are welcomed with a generous offer of a $300 one-time bonus for the first $3,000 spent on purchases within 3 months from account opening.
You'll earn unlimited 4% cash back rewards on dining, entertainment, and eligible streaming services, 3% at grocery stores, and 1% on all other purchases.
The card doesn't charge foreign transaction fees. Rewards never expire and can be redeemed at any time for statement credits or a check.
Read more about Capital One Savor Cash Rewards
American Express Marriott Bonvoy Brilliant™
Weighing 14.6 grams, the Marriott Bonvoy Brilliant™ American Express metal credit card is the best metal card for Marriott hotel loyalists. APR range is 15.74% - 24.74% Variable., with a $450 annual fee. For the fee, the card is packed with hotel credits, generous sign-up bonus points, and Elite status for travelers.
New cardholders enjoy a limited-time offer of 150,000 Marriott Bonvoy membership rewards points for the first $5,000 spent on purchases within the first 3 months of card membership, plus a bonus Free Night Award up to 85,000 points redemption level.
You'll earn 6X points for eligible purchases at hotels participating in Marriot Bonvoy, 3X points on dining at U.S. restaurants, including takeout and delivery, 3X points on flights booked directly with airlines, and 2X points per dollar spent on all other eligible purchases.
Cardholders also enjoy one free Night Award per year up to 50,000 Marriott Bonvoy points redemption level, $300 in statement credits for eligible purchases at participating hotels, and unlimited airport lounge visits with Priority Pass Select membership. In addition, the card doesn't charge any foreign transaction fees.
Read more about American Express Marriott Bonvoy Brilliant™
US bank Altitude™ Reserve Visa Infinite®
Weighing around 13 grams, the US bank Altitude™ Reserve Visa Infinite® is a luxurious engraved metal card for existing U.S. Bank customers. APR range is 16.99% - 23.99% Variable., with a $400 annual fee.
New cardholders enjoy a welcome offer of 50,000 bonus points worth $750 on travel for the first $4,500 spent on purchases within 90 days of account opening.
You'll earn unlimited 5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center, 3X points for every $1 spent on eligible travel purchases and mobile wallet spending, and 1X points per dollar spent on all other eligible purchases. Points can easily be redeemed for almost any purchase using your mobile device.
Additional perks include up to $325 annual statement credits for eligible purchases, up to $100 Global Entry or TSA PreCheck credit, complimentary 12-month Airport lounge access to more than 1,300 VIP lounges worldwide with Priority Pass Select membership, 30% off on Silvercar rentals, free passes for in-flight Wi-Fi, and 24/7 dedicated service advisors and Visa Infinite Concierge.
Read more about US bank Altitude™ Reserve Visa Infinite®
Goldman Sachs Apple
Weighing 14.75 grams, the Apple Card is among the best metal credit cards with no annual fee, made entirely of titanium. APRs range from 10.99% - 21.99% Variable., with no late payment fee or foreign transaction fee. It features a clean Apple branding, with only the cardholder's name printed on the card.
You'll earn unlimited 3% daily cash back on Apple Store purchases and other select merchants, including Exxon Mobil, Uber, Uber Eats, Walgreens, T Mobile, Panera, and Nike.
Except those mentioned in the 3% category, Apple Pay purchases earn 2% daily cash back, and all other purchases will earn 1% cash back. However, Apple metal card doesn't offer any welcome bonus points for new cardholders
Read more about Goldman Sachs Apple
What is a metal credit card?
A metal credit card is a card made of metallic material like brass, copper, stainless steel, platinum, aluminum, or titanium. They tend to be heavier and more durable than their plastic counterparts and feature a sleek, prestigious design. Again, they may come with higher annual fees, luxurious rewards, and more perks to offset the fee.
Traditionally, metal credit cards were reserved for wealthy, high-end cardholders and came with hefty fees. But things have changed as more card issuers release their version of metal credit cards. Today, anyone with a good-to-excellent credit score can apply for these types of cards.
Everything else aside, metal credit cards work pretty much the same as plastic credit cards.
Pros and cons of metal credit cards
|Durability. A metal credit card is sturdy and can withstand breakage, bending, and cracking that’s common with their plastic counterparts.
||Hard to dispose of. All metal credit cards can’t be shredded or cut with scissors, making them hard to dispose of. The only safe disposal option is to send them to the issuer, which may take extra time and money.
|Sense of luxury. Their sleek, prestigious design comes with a sense of luxury that sets them apart from plastic credit cards.
||Hefty fees. Unless you're strategic with using the card, high annual fees on some cards can easily overshadow the benefits and become a burden on your finances.
|Premium benefits. Metal credit cards include luxury perks like annual travel statement credits, airport lounge access, and access to luxurious car rentals/hotel brands to elevate the cardholder’s status.
How to choose a metal credit card?
When choosing a metal credit card, your considerations should go beyond the look and feel or the feelings of luxury these cards evoke. To determine the best metal credit cards that align with your goals, consider the following:
- Annual fees.Some of the best metal credit cards have annual fees running into hundreds of dollars, and you have to maintain a higher level of spending to justify the annual fee. So make sure the rewards offered are valuable to you and can offset the annual fee.
- Spending habits. Do your spending habits align with the card's spending categories? If you don't spend a lot on the card’s bonus categories, you may not enjoy the included perks. For instance, you may not benefit from a metal card that offers generous rewards on flights and hotels if you aren't a frequent traveler.
- Minimum spend for the welcome bonus. The higher is the sign-up bonus, the more you'll need to spend within the given period to clinch the deal. If you end up with a higher balance trying to chase bonus points, the interest charged may erase the value of the earned rewards.
- Rewards flexibility. Check the issuer's conditions on rewards redemption. What redemption options do they offer? Are they flexible enough? That's important so that you don't accumulate rewards that you may never use.
- Financial needs. Your unique financial needs and goals should guide you when choosing a metal credit card. For example, do you want to travel the world, or fund major purchases? Double down into things like intro APR, balance transfer fees, purchase protection, and other benefits so that you can choose your best metal card on well-rounded criteria.
- Check the issuer requirements. Can you qualify for the card you're considering? The best metal credit cards require you to have good to excellent credit standing to qualify. So check the issuer's requirements and scrutinize the fine print for all terms and conditions, including penalty rates and fees, to avoid annoying surprises down the line.
How to get a metal credit card?
Once you've considered all the above factors and chosen the best metal credit card that aligns with your financial goals and fits your spending lifestyle, getting the metal card of your choice is easy.
Visit the issuer's application page and submit the application form online. You can also call the issuer directly to apply or have an application form mailed to you, fill it and send it back for approval.
Are Metal Credit Cards Better?
Metal credit cards can be said to be physically better than plastic cards. They are more sleek, heavy, prestigious, sturdy, and durable than plastic cards. The only things that set metal credit cards apart are the metallic material used, the weight of the credit card, and the sense of luxury that comes with their ownership.
But you shouldn't choose a card based on looks and the material it’s made of. Instead, choose a card whose perks align with your goals, budget, and spending pattern, regardless of whether it’s a metal card or plastic card.
Are Metal Credit Cards More Secure?
Metal credit cards aren't more secure than plastic ones. That’s because the security and safety of your bank account don’t depend on the material your credit card is made of. Credit card companies offer the same security features to all cardholders.
How to destroy a metal credit card?
The procedure of destroying a metal credit card is different from that of a plastic card. While you can shred or cut a plastic card into pieces with scissors, it's not possible to destroy a metal credit card that way. That's why the card comes marked « do not shred» on the back.
The best way to destroy a metal card is to send it back to the issuer. Most issuers, like American Express and Chase, offer a sustainable «Take Back» program for cardmembers to mail or drop off expired metal credit cards to be destroyed.
You'll usually get a pre-addressed envelope from the card company to send your closed or expired metal card back for proper and safe disposal.
How to get a custom metal credit card?
The easiest way to get a custom metal credit card is to get an Apple Card. The card comes with your name laser-printed on it.
That said, the practice is not common among credit card issuers, and you may not be able to get a personalized credit card from a majority of the card companies.
To avoid guesswork, call your credit card company to discuss the possibility of getting a custom metal credit card.
What are other credit cards to consider?
If you can’t find your fit in our list of the best metal credit cards above, you’ve got other options. Other metal credit cards to consider include:
- Citi Prestige Card
- Verizon Visa Card
- Mastercard Black Card
- Mastercard Gold Card
- Mastercard Titanium Card
Which is the heaviest credit card of the metal ones?
Weighing 22 grams, Mastercard Black Card, Mastercard Titanium Card, and the Mastercard Gold Card are the heaviest metal credit cards.
Is Chase Sapphire Preferred metal?
Why are some credit cards heavy?
The weight of a credit card depends on the material it's made of. For instance, metal credit cards are heavier than plastic cards. Also, some metal credit cards are heavier than others based on the metal and other materials used to make the card.
Why are some credit cards made of metal?
Credit cards made of metal are sturdier and more durable than plastic cards that suffer breakages and cracks. Again, some credit cards are made of metal as a symbol of luxury and prestige.
How much does a credit card weigh?
The weight of a credit card varies depending on whether it's made of metal or plastic. Usually, plastic credit cards weigh around 5 grams, while metal credit cards weigh more than 10 grams.