Best Metal Credit Cards of September 2021

Updated September 18, 2021
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Best Credit Cards for Metal in September 2021

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

Chase Sapphire Preferred®
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Our Rating:
4.16 out of 5
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 2x Points on dining and travel.
  • Intro Offer:
    • 100,000x Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
  • Annual Fee:
    $95 annually.
  • Purchase Intro APR:
    None
  • Regular APR:
    15.99% - 22.99% Variable.
  • Balance Transfer APR:
    15.99% - 22.99% Variable.
  • Issuer name:
    Chase
  • Details:

    The Chase Sapphire Preferred® Card offers 2x points on travel and dining. Get 25% more value when redeemed for travel.

    The Sapphire Preferred has a $95 annual fee. The card’s variable APR is 15.99% to 22.99%.

    My Chase PlanSM Fee is 1.72% (monthly fee) of the amount of each eligible purchase transaction or amount selected to create a My Chase Plan. The My Chase Plan Fee will be determined at the time each My Chase Plan is created and will remain the same until the My Chase Plan is paid in full.

    With this card, you can move your rewards to a wide variety of loyalty programs, such as United Airlines or Hyatt, at a 1:1 ratio. This makes it possible to get far more than 1 cent out of each point with strategic redemptions. For travelers who can benefit from these valuable redemption options — and especially for those who delight in finding ways to get the most value out of their rewards — it's a must-have.

  • Pros:
    • Excellent sign-up bonus
    • No foreign transaction fees
    • 25% more redemption value
    • Unique “My Chase Plan” offer
    • Great Referral Program
  • Cons:
    • There is an annual fee
    • Steep penalty APR of 29.99%
    • No 0% intro APR offer
  • Benefits:
    • 100,000 Bonus Points;
    • 2x points per $1 spent on travel and dining;
    • 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.
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Chase Sapphire Reserve® best for Travel, Restaurants, Daily use

Chase Sapphire Reserve® Chase
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Our Rating:
3.82 out of 5
scorer
Recommended credit 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:
    • 60,000x Bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
  • Annual Fee:
    $550 annually. $75 annually, for each authorized user.
  • Purchase Intro APR:
    None
  • Regular APR:
    16.99% - 23.99% Variable.
  • Balance Transfer APR:
    16.99% - 23.99% Variable.
  • Issuer name:
    Chase
  • Details:

    Earning rewards with the Chase Sapphire Reserve® is very straightforward.

    New cardmembers can 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 you redeem through Chase Ultimate Rewards®. The bonus points are worth $750 when redeemed through Chase Ultimate Rewards for airfare, hotels, car rentals, or cruises.

    Transfer your points to leading airline and hotel loyalty programs at 1 to 1 value. That means 1,000 Chase Ultimate Rewards points equal 1,000 partner miles/points.

    Cardmembers receive a $300 credit each card anniversary to be used toward travel. This credit is applied as a statement credit for travel purchases automatically. The card also offers a $100 statement credit every four years toward the Global Entry or TSA PreCheck® Fee.

  • Pros:
    • No foreign transaction fees
    • High rewards rate
    • High value benefits
    • Metal card
  • Cons:
    • High annual fee
    • Extra Fees
  • Benefits:
    • 60,000 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.
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Citi AAdvantage® Executive World Elite Mastercard® best for Young couples

AAdvantage® Executive World Elite Mastercard® Citi
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Our Rating:
3.76 out of 5
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 10,000x AAdvantage® Elite Qualifying Miles after you spend $40,000 in purchases within the year.
    • 2x Miles for every $1 spent on eligible American Airlines purchases.
    • 1x Mile for every $1 spent on all other purchases.
  • Intro Offer:
    • 50,000x Bonus miles after making $5,000 in purchases within the first 3 months of account opening.
  • Annual Fee:
    $450 annually.
  • Purchase Intro APR:
    None
  • Regular APR:
    15.99% - 24.99% Variable.
  • Balance Transfer APR:
    15.99% - 24.99% Variable.
  • Issuer name:
    Citi
  • Details:

    The Citi® / AAdvantage® Executive World Elite Mastercard® offers 10,000 AAdvantage® Elite Qualifying Miles (EQMs) after you spend $40,000 in purchases within the year. If you spend $5,000 within three months of opening this card, you’ll receive 50,000 AAdvantage bonus miles. There's no limit to the number of AAdvantage® miles you can earn.

    With the Citi® / AAdvantage® Executive World Elite Mastercard®, you can earn 2x AAdvantage® miles on eligible American Airlines purchases, 1x AAdvantage® mile on all other purchases.

    The card's APR is 15.99% - 24.99% (Variable), 29.99% (Penalty APR).

    Each cardmember year, earn a $145 statement credit when you have a qualifying Citigold account, are billed a $450 Annual Fee, and remain a cardmember.

    Enjoy Admirals Club® Membership, including access to nearly 50 lounge locations worldwide.

    Use your miles for award travel to over 1,000 destinations worldwide, with flexible redemption options for one-way or round trip awards on American Airlines.

  • Pros:
    • No Foreign Transaction Fee
    • Rewards structure
  • Cons:
    • Annual Fee
    • No intro APR period
  • Benefits:
    • 50,000x American Airlines AAdvantage® bonus miles;
    • 10,000x AAdvantage® Elite Qualifying Miles;
    • 2x AAdvantage® miles on eligible American Airlines purchases;
    • 1x AAdvantage® mile on other purchases;
    • $0 Liability;
    • Admirals Club® membership;
    • Banking Relationship Annual Credit;
    • Digital Wallets;
    • First Check Bag Free;
    • Enhanced Airport Experience;
    • Global Entry or TSA PreCheck® Statement Credit;
    • 25% Savings on Inflight Food and Beverage;
    • Dedicated Concierge;
    • Citi Entertainment®.
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