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Best Metal Credit Cards of May 2022

Metal credit cards not only come with a sleek, stylish look that evokes feelings of prestige and luxury, but they are also made of heavier, sturdier, and durable metallic material. Therefore, they can’t bend or break easily like plastic ones. Weight and looks aside, the best metal credit cards are rich in generous rewards, bonus points, travel benefits, and premium perks. For a long time, metal credit cards were seen as a status symbol for high-end consumers due to their high annual fee. But things have changed. As more card companies release their versions of metal credit cards, fees have been reducing. Today, there are metal cards with no or less than a $100 annual fee. Thus, someone with good-to-excellent credit can get a metal credit card and enjoy the perks. Here, we provide a list of the best metal credit cards so that you can choose the one that fits your needs.

By Hanna Volkava
Updated May 17, 2022

Best Credit Cards for Metal in May 2022

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The Owner’s Rewards Card by M1 Celtic Bank
Annual Fee:
$0 annually (for active M1 Plus customers) $95 annually
Regular APR:
14.99% - 24.99% Variable
Our Rating:
4.02
scorer
Сredit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 10% You’ll get up to 10% Cash Back with select brands you hold in an eligible portfolio.
    • 1.5% Cash Back on everything else.
  • Intro Offer:
    • $300 Spend $4,000 with your new Owner’s Rewards credit card in the first 90 days and earn a $300 statement credit.
  • Issuer name:
    Celtic Bank
  • Details:

    The Owner’s Rewards Card by M1 earns up to 10% Cash Back on purchases with eligible brands. All other spending earns 1.5% Cash Back.

    Spend $4,000 with your new Owner’s Rewards credit card in the first 90 days and earn a $300 statement credit.

    The Owner’s Rewards Card by M1 comes with a $95 annual fee (the fee is waived for Plus members).

    Read full review

  • Pros:
    • No Foreign Transaction Fee
    • High rewards rate
  • Cons:
    • No Intro APR period
    • $95 annual fee (for non-plus members)
  • Benefits:
    • $300 Bonus;
    • Up to 10% Cash Back on purchases with eligible brands;
    • 1.5% Cash Back on everything else;
    • Visa® Zero Liability.
View all The Owner’s Rewards Card by M1 details
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Card detail

Capital One Venture Rewards best for Travel, Daily use

Venture Rewards Capital One
Annual Fee:
$95 annually
Regular APR:
15.99% - 23.99% Variable
Our Rating:
3.69
scorer
Сredit score
Excellent (740-799)
  • Rewards Rate:
    • 5x Miles per dollar on hotels and rental cars booked through Capital One Travel.
    • 2x Miles on all purchases.
  • Intro Offer:
    • 60,000x Bonus miles when you spend $3,000 on purchases in the first 3 months from account opening.
  • Issuer name:
    Capital One
  • Details:

    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 15.99% - 23.99% 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.

  • Pros:
    • High flat-rate reward rates: 2x miles on all purchases and 5x miles on hotels and rental cars.
    • Attractive welcome bonus: Get 60,000 miles for the first $3,000 spent on purchases within 3 months after account opening.
    • 24/7 travel & emergency assistance: If your card is lost or stolen, you are eligible for an emergency replacement and a cash advance. You'll get connected to local emergency and assistance resources when away from home.
    • Virtual account numbers: Make online purchases securely without exposing your actual card number.
    • Security Alerts & Card Lock: Receive instant notifications via text, phone, or email on any suspicious activities on your account. You can lock the card from the Capital One Mobile App.
  • Cons:
    • $95 annual fee: You have to spend enough to justify the fee.
    • No intro APR offer: You pay interest on any balance you carry from the start.
    • Other fees: There's a late payment penalty fee of up to $40 and either a $10 or 3% cash advance fee, whichever is greater.
  • Benefits:
    • 2x miles on all purchases;
    • 5x miles on hotels and car rentals;
    • 60,000 bonus miles;
    • $0 Fraud Liability;
    • 24/7 Customer Service;
    • The Eno assistant;
    • 24-Hour Travel Assistance Services;
    • Global Entry or TSA Precheck Credit;
    • Auto Rental Collision Damage Waiver;
    • Travel Accident Insurance;
    • Transfer Your Miles;
    • Capital One Shopping;
    • Shop With Your Rewards;
    • Premier Culinary Experiences;
    • Big-time Sports Events;
    • Must-See Music Events.
Card detail

Chase Amazon Prime Rewards Visa Signature best for Metal

Amazon Prime Rewards Visa Signature Chase
Annual Fee:
$0
Regular APR:
14.24% - 22.24% Variable
Our Rating:
4.84
scorer
Сredit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 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.
  • Intro Offer:
    • $100 Amazon Gift Card instantly upon approval.
  • Issuer name:
    Chase
  • Details:

    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 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.

  • Pros:
    • $0 annual fee: The card doesn't charge annual or foreign transaction fees.
    • Welcome bonus: You get a $100 Amazon Gift Card upon approval without spending a penny.
    • 24/7 Concierge Services: You'll get complimentary Visa Signature Concierge service to assist with planning and booking.
    • Covered for unexpected setbacks: You get other perks like purchase protection, extended warranty protection, roadside dispatch, and auto rental collision damage waiver.
    • Travel assistance: Cardmembers enjoy travel and emergency assistance, baggage delay insurance, lost luggage reimbursement, and travel accident insurance.
  • Cons:
    • Balance transfer fee: $5 minimum, otherwise 5% of the transfer amount.
    • Prime membership required: You must be an Amazon Prime member to enjoy the perks.
    • No 0% intro APR: You pay interest on your card’s balance from the outset.
    • Restrictions apply: Non-US Amazon sites are excluded from the 5% cash back rate.
  • Benefits:
    • 5% back on Amazon.com and Whole Foods purchases;
    • 2% back on restaurant, gas station and drug store purchases;
    • 1% back on other purchases;
    • $100 Amazon.com gift card;
    • Extended warranty protection;
    • Travel and emergency assistance;
    • Auto Rental Collision Damage Waiver;
    • Lost luggage reimbursement;
    • Baggage delay insurance;
    • Roadside dispatch.
Card detail

American Express® Gold Card best for Cash Back

American Express® Gold Card
Annual Fee:
$250 annually
Regular APR:
16.24% - 23.24% Variable
Our Rating:
3.13
scorer
Сredit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 4x Points on dining at restaurants worldwide, plus takeout and delivery in the U.S.
    • 4x Points on groceries at U.S. supermarkets on up to $25,000 in purchases per year.
    • 3x Points on flights.
    • 1x Points on other eligible purchases.
  • Intro Offer:
    • 75,000x Membership Rewards® Points after you spend $4,000 on purchases on your new Card in your first 6 months of Card Membership.
  • Issuer name:
    American Express®
  • Details:

    Weighing about 14.7 grams, the American Express® Gold Card has the APR of 16.24% - 23.24% Variable and a $250 annual fee. The card features a generous welcome 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 in the U.S, 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.

  • Pros:
    • High rewards rates: Earn up to 4X points on eligible purchases.
    • $0 fee for additional users: Add up to 5 authorized users and earn rewards at no extra annual fee.
    • Welcome bonus: 75,000 membership points for $4,000 charged on the card within 6 months of approval.
    • No foreign transaction fees: You won’t pay fees on purchases made outside of the U.S.
    • Additional protection: The card comes with a baggage insurance plan and car rental loss and damage insurance.
    • Points are transferable: You can transfer points to several other partner loyalty programs.
  • Cons:
    • High annual fee: The $250 annual fee is high unless you spend enough to recoup it.
    • No intro APR: The 12 month 0% intro APR is only eligible for Pay Over Time purchases. Otherwise, any balance carried on the card is subject to the 16.24% - 23.24% variable APR.
  • Benefits:
    • Up to $120 Uber Cash to Dine or Ride;
    • $100 hotel credit with The Hotel Collection;
    • 75,000 Membership Rewards® Points;
    • 4x Membership Rewards® Points on dining at restaurants;
    • 4x Membership Rewards® Points on groceries at U.S. supermarkets;
    • 3x Membership Rewards® Points on flights;
    • 1x Membership Rewards® Points on all other purchases;
    • Additional Cards;
    • American Express Experiences;
    • Car Rental Loss and Damage Insurance;
    • Baggage Insurance Plan;
    • Global Assist® Hotline;
    • The Hotel Collection;
    • Terms Apply.
Card detail

Chase Sapphire Preferred® best for Travel, Restaurants, Daily use

Chase Sapphire Preferred®
Annual Fee:
$95 annually
Regular APR:
15.99% - 22.99% Variable
Our Rating:
4.53
scorer
Сredit score
Good to Excellent (670-799)
  • Rewards Rate:
    • $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.
  • Intro Offer:
    • 60,000x Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when redeemed through Chase Ultimate Rewards®.
  • Issuer name:
    Chase
  • Details:

    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.

  • Pros:
    • High rewards rates: Earn up to 5X points on eligible purchases, with bonus categories to maximize rewards.
    • Attractive welcome bonus: Get 60,000 bonus points worth up to $750 on the first $4,000 charged on the card within 3 months of account opening.
    • 1:1 point transfer: Transfer your points to leading travel partner programs at 1 to 1 value.
    • Travel and purchase coverage: You get travel insurance, purchase protection for 120 days, and extended warranty protection.
    • No foreign transaction fees: You won't pay transaction fees on purchases made outside the United States.
  • Cons:
    • Annual fee: The card charges an annual fee of $95.
    • No 0% intro APR: You’ll pay interest on any balance carried on the card from the start.
  • Benefits:
    • 60,000 Bonus Points;
    • $50 in statement credits;
    • 5x points on travel;
    • 3x points on dining;
    • 3x points on online grocery purchases;
    • 3x points on select streaming services;
    • 2x points on other travel purchases;
    • 25% more redemption value;
    • 1:1 Point Transfer;
    • Trip Cancellation/Interruption Insurance;
    • Auto Rental Collision Damage Waiver;
    • Baggage Delay Insurance;
    • Travel and Emergency Assistance Services.
Card detail

Chase Sapphire Reserve® best for Travel, Restaurants, Daily use

Chase Sapphire Reserve® Chase
Annual Fee:
$550 annually ($75 for each authorized user)
Regular APR:
16.99% - 23.99% Variable
Our Rating:
4.11
scorer
Сredit score
Excellent (740-799)
  • Rewards Rate:
    • 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.
  • Intro Offer:
    • 50,000x Bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
  • Issuer name:
    Chase
  • Details:

    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.

  • Pros:
    • High rewards rate: Earn up to 10X points on eligible purchases, with bonus categories to maximize rewards.
    • Generous Welcome bonus: Earn 50,000 bonus points on the first $4,000 charged on the card within 3 months of account opening.
    • 1:1 Point transfer: Transfer points to valuable airline and hotel partners on a 1 to 1 basis.
    • Get 50% more value on points: Your points are worth 50% more when redeemed for travel through Chase Ultimate Rewards or through Pay Yourself Back program on select categories.
    • Premium benefits: You get airport lounge access, $300 annual travel credit, and access to top hotels and resorts worldwide.
  • Cons:
    • High annual fees: Though the card doesn't have foreign transaction fees, it comes with a high annual fee of $550 and an additional $75 fee for each authorized user.
    • High APR: APR may be up to 23.99%, depending on your credit score.
    • No 0% intro APR: You won't enjoy an interest-free period on purchases. Any balance on the card accrues interest from the start.
  • Benefits:
    • 50,000 bonus points;
    • 10x total points on hotels and car rentals;
    • 10x total points on Chase Dining purchases;
    • 5x total points on flights;
    • 3x points on other travel;
    • 3x points on other dining;
    • $300 Annual Travel Credit;
    • Zero liability protection;
    • 50% more redemption value;
    • Global Entry or TSA Pre✓® Fee Credit ;
    • Complimentary Airport Lounge Access;
    • The Luxury Hotel & Resort Collection;
    • Trip Cancellation/Interruption Insurance;
    • Auto Rental Collision Damage Waiver;
    • Lost Luggage Reimbursement;
    • Emergency Evacuation & Transportation.
Card detail

American Express® The Platinum Card® best for Young couples

The Platinum Card® American Express
Annual Fee:
$695 annually
Regular APR:
16.24% - 23.24% Variable
Our Rating:
3.79
scorer
Сredit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 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.
  • Intro Offer:
    • 100,000x Membership Rewards® Points after you spend $6,000 on purchases on your new card in your first 6 months of Card Membership.
  • Issuer name:
    American Express®
  • Details:

    Weighing 18.5 grams, The Platinum Card® is the heaviest credit card made of metal on our list of metal cards. APRs range from 16.24% - 23.24% 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 100,000 membership rewards points for the first $6,000 spent on purchases within 6 months from account opening.

    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.

  • Pros:
    • High reward rate: Earn 5X points on eligible purchases.
    • Generous welcome bonus: Earn 100,000 membership rewards points on $6,000 charged on the card in the first six months from account opening.
    • Multiple credits: The card offers annual credits on dining, travel, and entertainment, which can help justify the fees.
    • Luxury benefits: Access to airport lounges and high-end hotel properties.
  • Cons:
    • High annual fee: The $695 annual fee is the highest on our list.
    • Hard to maximize statement credits: It may take a lot of work to take advantage of all annual credits.
  • Benefits:
    • 100,000 Membership Rewards® Points;
    • 5x points on directly-booked airfare and flights, prepaid hotels;
    • 1x points on all other purchases;
    • Platinum Card® Concierge;
    • Global Dining Collection;
    • Preferred Seating;
    • Return Protection;
    • Uber Rides with Platinum;
    • The Global Lounge Collection®;
    • International Airline Program;
    • Fee Credit for Global Entry or TSA Pre✓®;
    • Fine Hotels & Resorts® Program;
    • Platinum Travel Service;
    • Marriott Bonvoy™ Gold Elite Status;
    • Hilton Honors Gold Status;
    • Car Rental Loss and Damage Insurance;
    • Trip Delay;
    • Trip Cancellation;
    • Terms Apply.
Card detail

Capital One Savor Cash Rewards best for Restaurants, Entertainment

Savor Cash Rewards Capital One
Annual Fee:
$95 annually
Regular APR:
15.99% - 23.99% Variable
Our Rating:
3.69
scorer
Сredit score
Excellent (740-799)
  • Rewards Rate:
    • 4% Cash Back on dining and entertainment and popular streaming services.
    • 3% Cash Back at grocery stores.
    • 1% Cash Back on all other purchases.
  • Intro Offer:
    • $300 Cash Bonus once you spend $3,000 on purchases within 3 months from account opening.
  • Issuer name:
    Capital One
  • Details:

    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% - 23.99% 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.

  • Pros:
    • Unlimited rewards: The card offers unlimited cash back rewards in different categories.
    • No foreign transaction fee: You won't incur transaction fees for purchases made outside the United States.
    • Premium experiences: Beyond the 4% cash back, cardholders get access to VIP tickets, five-star meals, and more.
    • Rewards never expire: Cash back never expires for the life of the account. You can redeem rewards for any amount.
    • Generous welcome offer: Earn a $300 one-time bonus on $3,000 spent on purchases within the first 3 months of account opening.
  • Cons:
    • Annual fee: The card has a $95 annual fee.
    • Other fees: Up to $40 late payment fee and $10 or 3% of the amount of each cash advance, whichever is greater
    • No 0% intro APR: The card doesn't offer a 0% intro period for purchases or balance transfers. You’ll pay interest on any balance from the start.
  • Benefits:
    • $300 Cash Bonus;
    • 4% Cash Back on dining and entertainment and popular streaming services;
    • 3% Cash Back at grocery stores;
    • 1% Cash Back on all other purchases;
    • Extended Warranty;
    • $0 Fraud Liability;
    • Travel Accident Insurance;
    • Complimentary Concierge Service;
    • 24-hour Travel Assistance Services;
    • Shop With Your Rewards.
Card detail

American Express® Marriott Bonvoy Brilliant™ best for Hotel

Marriott Bonvoy Brilliant™ American Express®
Annual Fee:
$450 annually
Regular APR:
15.99% - 24.99% Variable
Our Rating:
2.68
scorer
Сredit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 6x Points on hotels. For eligible purchases at participating Marriott Bonvoy hotels.
    • 3x Points on dining. At U.S. restaurants, including takeout and delivery.
    • 3x Points on flights.
    • 2x Points on all other purchases.
  • Intro Offer:
    • 75,000x Bonus Marriott Bonvoy Points after you use your new Card to make $3,000 in purchases within the first 3 months of Card Membership.
  • Issuer name:
    American Express®
  • Details:

    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 15.99% - 24.99% Variable, with a $450 annual fee. For the fee, the card is packed with hotel credits, generous welcome bonus points, and Elite status for travelers.

    New cardholders enjoy a limited-time offer of 75,000 Marriott Bonvoy membership rewards points for the first $3,000 spent on purchases within the first 3 months of card membership.

    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.

  • Pros:
    • High rewards rate: Earn up to 6X points for eligible purchases.
    • Statement credits: The $100 Marriott Bonvoy property credit and annual $300 statement credit can help offset the annual fee.
    • No foreign transactions fee: You won't be charged any transaction fees on the purchases when traveling abroad.
    • Elite status: Unlimited airport lounge access with Priority Pass Select Membership and 15 annual Elite night credits.
  • Cons:
    • High annual fee: The card has a high $450 annual fee, which may be hard to offset.
    • Requires brand loyalty: Unless you're a Marriott loyalist, you won't enjoy the lavish Marriott Bonvoy benefits to justify the fee.
    • No 0% intro APR: The card doesn't offer an interest-free intro period on purchases.
  • Benefits:
    • 75,000 Bonus Marriott Bonvoy Points;
    • 6x points on hotels;
    • 3x points on dining;
    • 3x points on flights;
    • 2x points on all other purchases;
    • Up to $300 Marriott Bonvoy Statement Credit;
    • Up to $100 Marriott Bonvoy Property Credit;
    • Gold Elite status;
    • Free Night Award;
    • 15 Elite Night Credits;
    • Priority Pass™ Select;
    • Fee Credit for Global Entry or TSA Pre✓®;
    • Premium Internet Access;
    • Car Rental Loss and Damage Insurance;
    • Premium Global Assist® Hotline;
    • Baggage Insurance Plan;
    • Trip Cancellation and Interruption Insurance;
    • Trip Delay Insurance;
    • American Express Experiences;
    • Return Protection;
    • Fraud Protection;
    • Terms Apply.
Card detail

US bank Altitude™ Reserve Visa Infinite® best for Metal

Altitude™ Reserve Visa Infinite® US Bank
Annual Fee:
$400 annually
Regular APR:
16.99% - 23.99% Variable
Our Rating:
4.47
scorer
Сredit score
Excellent (740-799)
  • Rewards Rate:
    • 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.
  • Intro Offer:
    • 50,000x Bonus Points will be awarded if you are approved for a new U.S. Bank Altitude Reserve Visa Infinite Card and eligible Net Purchases totaling $4,500 or more are made to your Account within 90 days after Account opening.
  • Issuer name:
    US bank
  • Details:

    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.

  • Pros:
    • Attractive sign-up bonus points: Earn 50,000 bonus points on $4,500 spent on purchases within 90 days of account opening.
    • Unlimited rewards: Earn up to 5X points on hotels and car rentals, and 3X points on eligible purchase and mobile wallet spending.
    • Travel credit: Get up to $325 in annual travel statement credits, which can help offset the annual fee.
    • Luxury benefits: Priority Pass Select members get complimentary 12-month airport lounge access to more than 1,300 VIP lounges worldwide.
    • Redeem points for any purchase: Points can be redeemed for any purchase.
    • 24/7 customer service: Get 24/7 dedicated service advisors and Visa Infinite Concierge.
  • Cons:
    • High annual fee: The card goes with a $400 annual fee.
    • Exclusive to U.S. Bank Customers: The card is only available to existing U.S. Bank customers.
    • No 0% intro APR offer: The card doesn't offer an interest-free period on purchases.
    • Points aren't transferable: The card doesn't offer any points transfer options.
  • Benefits:
    • 50,000 bonus points;
    • 5x points on prepaid hotels and car rentals;
    • 3x points on eligible travel purchases and mobile wallet spending;
    • Airport Lounge Access;
    • TSA PreCheck® or Global Entry®;
    • Complimentary Wi-Fi;
    • World Class Service;
    • Silvercar®;
    • Protection at Home and Away.
Card detail

Goldman Sachs Apple best for Metal

Apple Goldman Sachs
Annual Fee:
$0
Regular APR:
10.99% - 21.99% Variable
Our Rating:
2.93
scorer
Сredit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 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.
  • Issuer name:
    Goldman Sachs
  • Details:

    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.

  • Pros:
    • No fees: Apple Card stands out as a metal credit card without an annual fee, late payment fee, and foreign transaction fee.
    • Low APR: The card has a rare APR starting as low as 10.99%.
    • Personalization: If you ask for the physical Apple Card, it comes with your name printed on it.
    • Advanced security: Features like Face ID and Touch ID add a security buffer when you link your card to your Apple Pay Wallet.
  • Cons:
    • No sign-up bonus: Apple Card doesn't offer any welcome bonus to new cardholders.
    • Requires brand loyalty: You need to be loyal to Apple and other select merchants to maximize benefits.
  • Benefits:
    • 3% Cash Back at Apple;
    • 3% Cash Back at select merchants;
    • 2% Cash Back on Apple Pay purchases;
    • 1% Cash Back on other purchases;
    • Titanium Construction.
Card detail

Short Review of Best Metal Cards

NameBest forRewards RateAPRApply
Celtic Bank The Owner’s Rewards Card by M1
4.02
  • 10% You’ll get up to 10% Cash Back with select brands you hold in an eligible portfolio.
  • 1.5% Cash Back on everything else.
  • 14.99% - 24.99% VariableApply now
    On Celtic Bank‘s site
    Capital One Venture Rewards
    3.69
    Travel, Daily use
  • 5x Miles per dollar on hotels and rental cars booked through Capital One Travel.
  • 2x Miles on all purchases.
  • 15.99% - 23.99% VariableLearn more
    Chase Amazon Prime Rewards Visa Signature
    4.84
    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% VariableLearn more
    American Express® Gold Card
    3.13
    Cash Back
  • 4x Points on dining at restaurants worldwide, plus takeout and delivery in the U.S.
  • 4x Points on groceries at U.S. supermarkets on up to $25,000 in purchases per year.
  • 3x Points on flights.
  • 1x Points on other eligible purchases.
  • 16.24% - 23.24% VariableLearn more
    Chase Sapphire Preferred®
    4.53
    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% VariableLearn more
    Chase Sapphire Reserve®
    4.11
    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% VariableLearn more
    American Express® The Platinum Card®
    3.79
    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.
  • 16.24% - 23.24% VariableLearn more
    Capital One Savor Cash Rewards
    3.69
    Restaurants, Entertainment
  • 4% Cash Back on dining and entertainment and popular streaming services.
  • 3% Cash Back at grocery stores.
  • 1% Cash Back on all other purchases.
  • 15.99% - 23.99% VariableLearn more
    American Express® Marriott Bonvoy Brilliant™
    2.68
    Hotel
  • 6x Points on hotels. For eligible purchases at participating Marriott Bonvoy hotels.
  • 3x Points on dining. At U.S. restaurants, including takeout and delivery.
  • 3x Points on flights.
  • 2x Points on all other purchases.
  • 15.99% - 24.99% VariableLearn more
    US bank Altitude™ Reserve Visa Infinite®
    4.47
    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% VariableLearn more
    Goldman Sachs Apple
    2.93
    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% VariableLearn more

    Who should apply for metal credit cards

    Capital One Venture Rewards

    The Capital One Venture Rewards Credit Card is a good metal card for travelers who want to earn cash-back at a flat rate on all purchases and a variety of options to redeem their points.

    Read more about Capital One Venture Rewards

    Chase Amazon Prime Rewards Visa Signature

    Given that points can be redeemed at Amazon, this card is a good choice for Amazon Prime members who frequently shop at Amazon and Whole Foods Market. The stellar 5% cash back is a big win for customers with Amazon Prime membership.

    Read more about Chase Amazon Prime Rewards Visa Signature

    American Express® Gold Card

    Earning up to 4X points, the American Express® Gold Card card is good for those who love dining out and shopping at U.S. supermarkets. You'll come out ahead if you can spend enough and take advantage of all the credits to cover the $250 annual fee.

    Read more about American Express® Gold Card

    Chase Sapphire Preferred®

    With a relatively low annual fee of $95 and well-balanced rewards, the Chase Sapphire Preferred® Card is a good choice for frequent travelers. However, the card doesn't include premium level perks like access to airport lounges or free checked bags and may not work well for high-end travelers looking for premium level perks.

    Read more about Chase Sapphire Preferred®

    Chase Sapphire Reserve®

    The card comes with a hefty annual fee of $550 and $75 for each authorized user. Therefore, the Chase Sapphire Reserve® is an excellent choice for frequent travelers who can spend enough to take advantage of the rewards and bonuses to justify the fees.

    Read more about Chase Sapphire Reserve®

    American Express® The Platinum Card®

    The Platinum Card® from American Express® is a good choice for travelers who want to elevate their experience with luxury perks like access to high-end airport lounges, hotel properties and who can maximize the annual credits to recoup the hefty annual fee of $695. If you're looking to save money on travel, this card may not be a good choice for you.

    Read more about American Express® The Platinum Card®

    Capital One Savor Cash Rewards

    The Capital One Savor Cash Rewards Credit Card is a top metal card for those who spend a lot on dining, groceries, and individuals who enjoy attending plays, concerts, sports, music events, and music or video streaming.

    Read more about Capital One Savor Cash Rewards

    American Express® Marriott Bonvoy Brilliant™

    With the $450 annual fee, this metal card is a good choice for Marriott Bonvoy brand travelers looking to elevate their travel experience and enjoy Elite status by patronizing Marriott Bonvoy hotels to reap the perks fully. The annual fee may be high for infrequent, budget-conscious Marriott Bonvoy devotees who may not spend enough to justify the fee.

    Read more about American Express® Marriott Bonvoy Brilliant™

    US bank Altitude™ Reserve Visa Infinite®

    The US bank Altitude™ Reserve Visa Infinite® Card is a sound metal card for US bank account holders who travel frequently. The $325 annual travel credit and other luxury perks bundled with the card can easily justify the $400 annual fee.

    Read more about US bank Altitude™ Reserve Visa Infinite®

    Goldman Sachs Apple

    The 3% cash back at Apple Store and its partners makes the Apple Card great for brand-loyal shoppers, while the 2% cash back is great for Apple Pay users. Plus, the card doesn't charge any fees and has a low minimum APR of 10.99%, making it the least expensive and the only metal credit card with no annual fee on our list.

    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

    Pros: Cons:
    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.

    icon-thankThe 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.

    FAQ

    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?

    Yes, Chase Sapphire Preferred® is made of metal. Weighing about 13g, the card is made of a proprietary mix of 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.
    Hanna VolkavaHanna Volkava

    Financial and product expert

    hv@myfin.us