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Metal credit cards work just like any other type of card, yet they are considerably more durable and much easier on the eyes than their plastic counterparts. Picking up the bill with a heavy metal card in front of colleagues or friends can let them know you've "made it," or at least help make it appear that way. The thing is, metal credit cards aren't always the easiest to qualify for, mostly because these cards offer some of the best rewards rates and cardholder benefits around. In fact, most metal credit cards are premium travel credit cards or rewards credit cards that require good to excellent credit and a high income to get approved.
If you want a "status symbol" credit card with premium perks that is impressive to look at and feels substantial in your hand, the best metal credit cards are what you're after. Read on to find out which metal credit cards we recommend, the main benefits they offer, and steps you can take to find the right metal card for your needs and goals.
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Credit score needed
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Annual fees
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Welcome offer: bonus_miles_full
Card details: Consider the card_name if you want access to a charge card with no preset spending limit, but keep in mind that you won't have the option to carry a balance from one month to the next. This card will start you off with bonus_miles_full. Other rewards include 10x miles on hotels and car rentals booked through Capital One, 5X miles on airfare booked through Capital One and 2x miles on other purchases. A annual_fees annual fee applies each year, but the card comes with a $300 annual travel credit, airport lounge access, a fee credit for TSA PreCheck® or Global Entry and other travel perks.
Why we recommend it: The card_name is a pay-in-full charge card with similar rewards to the consumer version of the card. The flexibility of the Capital One Miles program makes this card a good option for businesses that want to earn flexible rewards for travel while enjoying premium perks like airport lounge access and annual travel credits.
Credit score needed
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bonus_miles_full
This card's generous benefits and flexible Chase Ultimate Rewards points make it an excellent deal for those who can use them. Users get a Priority Pass Select airport lounge membership (retail value $469), a $300 annual travel credit that applies to travel purchases each year, 50% more value when redeeming their rewards for travel through Chase, a fee credit toward Global Entry or TSA PreCheck membership, and a generous suite of travel insurance benefits.
Welcome offer: bonus_miles_full
Card details: The card_name offers cardholders 10x points on hotel and rental car purchases through Chase (after the first $300 in travel spending is met), 10x points on Chase Dining purchases, 5x points on flights booked through Chase (after the first $300 in travel spending is met), 3x points on travel and dining worldwide, and 1x points on other purchases. Cardholders also earn 10x points on Lyft rides through Dec. 31, 2024.
Why we recommend it: The card_name earns flexible Chase Ultimate Rewards points that can be used for gift cards, merchandise, or cash back—or for 50% more value when redeemed for travel through Chase. These points also transfer 1:1 to Chase Ultimate Rewards airline and hotel partners to help you maximize value for travel.
While a annual_fees annual fee applies, cardholders can benefit from a $300 annual travel credit, a Priority Pass Select membership (valued at $469), a fee credit for Global Entry, NEXUS or TSA PreCheck, point transfers to airlines and hotels, and other exclusive benefits.
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credit required.Learn More
Credit score needed
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Welcome offer: bonus_miles_full
Card details: This card_name lets you earn 5x points on up to $500,000 spent on airfare booked with airlines and AmexTravel.com per calendar year (then 1x points), 5x points on prepaid hotels booked through American Express Travel, 2x points on other eligible travel booked through American Express Travel, and 1x points on all other purchases.
Meanwhile, cardholders get a range of exclusive perks and benefits, including more than $1,500 in statement credits for travel and other purchases, a Priority Pass Select membership, access to Amex Centurion lounges, access to Delta Sky Clubs when flying with Delta, a fee credit toward Global Entry or TSA PreCheck membership and more.
Why we recommend it: The card_name also earns flexible points that transfer to Amex airline and hotel partners, but it comes with more premium benefits and statement credits than other travel credit cards. For example, this card comes with the broadest possible airport lounge membership of all competing cards, plus more than $1,500 in statement credits.
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credit required.Learn More
Credit score needed
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Welcome offer: bonus_miles_full
Card details: The card_name makes it possible to earn a generous sign-up bonus right off the bat. Cardholders also earn 1x Loalty Point for every 1 eligible AAdvantage® mile earned from purchases.
This card also lets you earn Loyalty Points toward elite status, and you get an Admirals Club membership that has a retail value of $650. Other frequent flyer perks can make travel more affordable and comfortable, including priority boarding, priority check-in, free checked bags for the cardholder and up to eight passengers on the same itinerary, and more.
Why we recommend it: The card_name is the only American AAdvantage credit card that comes with access to Admirals Clubs (valued at $650). This card also lets you maximize miles you earn with regular spending, and a range of frequent flyer perks come standard for cardmembers.
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Theis geared to United Airlines frequent flyers who want lounge access since it automatically comes with a United Club membership (valued at $650). Cardholders also earn a lucrative rewards rate in several different categories—all while enjoying frequent flyer benefits when they fly with the airline.
Welcome offer: bonus_miles_full
Card details: The card_name lets cardholders earn 4x miles on United purchases, 2x miles on other travel purchases, 2x miles on dining, and 1x miles on other spending. Customers can also get a leg up toward elite status with United with this card since they get the chance to earn up to 8,000 Premier Qualifying Points (PQP) toward elite status through credit card spending alone each calendar year.
Frequent flyer perks include a first and second checked bag free for the cardholder and one travel companion; a fee credit toward Global Entry, NEXUS, or TSA PreCheck® membership; United Club membership; upgrades on award tickets; and more.
Why we recommend it: The card_name is geared to United Airlines frequent flyers who want lounge access since it automatically comes with a United Club membership (valued at $650). Cardholders also earn a lucrative rewards rate in several different categories—all while enjoying frequent flyer benefits when they fly with the airline.
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credit required.Learn More
Credit score needed
credit_score_needed
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Welcome offer: bonus_miles_full
Card details: The card_name offers the chance to earn 4x points on dining worldwide, 4x points on up to $25,000 spent each year at U.S. supermarkets (then 1x points), 3x points on airfare booked with airlines or through AmexTravel.com, and 1x points on other purchases.
Cardholders qualify for up to $120 in Uber Cash per year (given in monthly increments of $10), which can be used for rideshares or UberEats deliveries. A $120 annual dining credit (given in monthly increments of $10) is also included for purchases at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar, and select Shake Shack locations. Other perks include a Global Assist hotline, a baggage insurance plan, and secondary auto rental coverage.
Why we recommend it: The card_name is best for foodies due to its exceptional rewards rate for several types of food spending. Cardholders also get up to $240 in statement credits per year that work well for food and beverage purchases.
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credit required.Learn More
Credit score needed
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Welcome offer: bonus_miles_full
Card details: The card_name makes it possible to earn 5x miles on hotels and rental cars booked through Capital One Travel, plus 2x miles on all other purchases. And remember, that's on top of the generous welcome bonus that can be earned within the first three months. These points are incredibly flexible since you can use them for gift cards, merchandise, travel through Capital One, or point transfers to an array of airline and hotel loyalty programs.
While there are fewer travel perks included, the annual_fees annual fee on this metal credit card makes it a solid option for people who don't want to pay $400 or more for a credit card each year. There are a handful of travel benefits available, including two Capital One airport lounge visits per year, a $100 credit toward Global Entry or TSA PreCheck® membership, and access to both the Capital One Entertainment and Capital One Dining programs.
Why we recommend it: The card_name is a solid choice for travel since you can use miles to book airfare, hotels, and more through Capital One Travel, or you can transfer miles to Capital One airline and hotel partners. This card also offers a lower annual fee than other metal credit cards that made our ranking.
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foreign transaction fees.Learn More
Credit score needed
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Welcome offer: bonus_miles_full
Card details: The card_name offers 10x miles on hotels and rental cars booked through Capital One, 5x miles on flights booked through Capital One, and 2x miles on all other purchases. Rewards earned offer supreme flexibility as well, with the option to use them directly for travel through Capital One, redeem for non-travel options like statement credits or gift cards, or transfer rewards to Capital One airline and hotel partners.
This travel credit card also comes with a lower annual fee (annual_fees) than many other premium cards, although you still get serious perks like a $300 travel credit each year, a Priority Pass Select membership (valued at $469), and access to Capital One airport lounges. Other perks that help make up for the annual fee include 10,000 miles on your cardmember anniversary, and a fee credit toward Global Entry or TSA PreCheck® membership.
Why we recommend it: The card_name is ideal for frequent travelers who want to earn flexible rewards that can be used in more than one way. Miles earned with this card come with the same redemption options as the card_name, which include merchandise, gift cards, travel through Capital One, and point transfers to partners such as Air Canada Aeroplan, Air France (Flying Blue), Emirates, and Wyndham Rewards.
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The Prime Visa is one of the most versatile cash back credit cards you can open because of its monster return rate at Amazon and Whole Foods. Between those two brands, you can get just about anything you’d possibly need.
Welcome offer: bonus_miles_full
Card details: The card_name offers cardholders 5% back on purchases at Amazon.com, Amazon Fresh, Whole Foods Market, and the Chase travel portal. Customers also earn 2% cash back at gas stations, restaurants, and on local transit and commuting, as well as 1% back on regular spending.
This cash back credit card also comes with a surprising number of included perks, such as auto rental coverage, baggage delay insurance, lost luggage reimbursement, roadside dispatch, and travel accident insurance. Other standard benefits include extended warranties and purchase protection against damage or theft.
Why we recommend it: The card_name helps frequent online shoppers get the most in rewards for their spending, and with a annual_fees annual fee for Amazon Prime members. There are no foreign transaction fees, either.
Learn More
Credit score needed
credit_score_needed
Annual fees
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Welcome offer: bonus_miles_full
Card details: card_name customers can earn 4% cash back on dining, entertainment, and select streaming services, 3% back on grocery purchases, and 1% cash back on other spending. Hotels and car rentals booked through Capital One Travel also earn a generous rate of 5% cash back.
With a annual_fees annual fee and foreign_transaction_fee foreign transaction fees, the card_name is one of the more affordable metal credit cards in our ranking. This card also comes with a handful of other benefits including an Uber One membership, extended warranties, travel accident insurance, 24-hour travel assistance services, complimentary concierge services, and more.
Why we recommend it: The card_name offers an incredibly broad and lucrative rewards rate of 4% cash back for dining and entertainment purchases, plus select streaming services. The annual_fees annual fee is reasonable, and there are no foreign transaction fees.
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foreign transaction fees.While there are other metal credit cards available beyond the ones that made our ranking, we focused on finding cards with superior perks and features in exchange for their annual fees. Benefits we looked for include exceptional rewards rates, premium travel perks such as airport lounge access, and travel insurance benefits. We also looked for cards that offer rewards flexibility, a leg up toward elite status with airlines or hotels, and no foreign transaction fees.
Ultimately, the rewards credit cards that made our list are supreme when you compare them to the competition based on welcome bonuses, ongoing rewards rates, and cardholder perks.
While most metal credit cards come with plenty of perks, you'll need to look at them carefully to decide which one might work best for your goals and the way you spend. Here's a rundown of the factors to compare across metal credit cards.
Consider rewards rates and your regular spending habits. Look at each of the metal credit cards in our ranking to see which ones offer more points or miles in the categories in which you spend most. Ideally, you'll find a card that can help you maximize your spending and bills with a larger rewards haul over time.
Decide on the types of rewards you want to earn. Also note the differences in rewards programs, and that some cards offer flexible rewards while others offer airline miles or cash back. Some metal credit cards dole out flexible rewards points that can be used for several redemption options, including travel and point transfers.
Decide which benefits you can actually use. Most metal credit cards offer premium perks in exchange for a higher- than-average annual fee. Such perks may include airport lounge access, annual travel credits, fee credits for Global Entry or TSA PreCheck® membership, automatic elite status with hotels, and more.
Compare annual fees. Finally, make sure the annual fee on metal credit cards you're considering is commensurate with the benefits you're getting (and will use) in return. Because most metal credit cards are travel credit cards, they tend to work best for business travelers and jet-setters.
The term "metal credit card" describes cards made from a range of hard materials including brushed stainless steel, brass, titanium, palladium, copper, or gold. These cards tend to offer exceptional perks and benefits, and they are often seen as "status symbol" cards since they are much more difficult to qualify for.
The chart below shows how metal credit cards stack up to run-of-the-mill credit cards, most of which are made of hard plastic.
Metal credit cardsOther credit cardsConstruction
Made of hard metals such as brushed stainless steel, brass, titanium, palladium, copper, or gold
Made of plastic
Credit required
Good to excellent credit
Can be available to all credit profiles, including poor credit and no credit
Card types
Mostly travel credit cards, but can also include cash back credit cards and general rewards credit cards
Secured and unsecured credit cards, including cash back credit cards, travel credit cards, and general rewards credit cards
Come with introductory APR offers
Typically not
Yes, in some cases
Annual fees
$395 and up in most cases
$0 and up
If you want a metal credit card, you should start by browsing all the card options available on this page. Once you settle on a card, all you have to do is apply and get approved to have a metal credit card sent to you in the mail.
If you don't quite meet the qualification requirements yet, consider these tips that can help.
The best metal credit cards tend to be travel cards, but there are also flexible rewards cards and cash back cards to choose from. With that in mind, you'll want to consider the type of rewards you want to earn before you apply.
For example, you may want to rack up airline miles with a metal credit card, or perhaps you want flexible points that transfer to both airlines and hotels. Or maybe you just want to earn cash back or rewards you can redeem for gift cards. Once you compare metal credit cards based on their features and rewards, it's possible that one will stand out as the obvious pick for your wallet.
For rates and fees of the card_name, please visit this URL.
For rates and fees of the card_name, please visit this URL.
The card_name is the heaviest metal credit card available today at 18.5 grams.
You may not be able to destroy a metal credit card on your own, although some consumers claim to have cut their metal cards into pieces with tin snips. In most cases, you can mail your credit card back to the card issuer and the company will destroy it on your behalf.
You may be able to upgrade to a metal credit card if your card issuer offers one. However, upgrading to a metal credit card from a lower-tier card often means missing out on the card's sign-up bonus.
This article was subjected to a comprehensive fact-checking process. Our professional fact-checkers verify article information against primary sources, reputable publishers, and experts in the field.
While the prestige and heft of a metal card can be impressive, pick the card that gives you the best overall value.
We receive compensation from the products and services mentioned in this story, but the opinions are the author's own. Compensation may impact where offers appear. We have not included all available products or offers. Learn more about how we make money and our editorial policies .
Metal credit cards aren’t new, but they’ve become increasingly popular among credit cardholders because of their aesthetic appeal. What’s more, you no longer have to be wealthy to get one — there are more and more metal cards with a low annual fee or no annual fee at all.
While having a metal credit card sounds cool and could feel like a status symbol, it’s important to pick a card based on the total value you gain from all of its features. Here’s what you need to know about metal credit cards and how to pick the right one.
If you like the idea of having a metal credit card, there are plenty of options from which you can choose. Here are different cards from major credit card issuers to consider.
If you enjoy travel but can’t stomach a high annual fee, these cards could give you the benefits and travel rewards you want, plus the heft of a metal design.
Preferred®
CardWeight: ~13 grams
Overview: The Chase Sapphire Preferred offers 5X points on travel purchased through Chase Travel℠; 3X points on dining, select streaming services, and online groceries; 2X points on all other travel purchases, and 1X points on all other purchases.
The Chase Ultimate Rewards program is one of the best rewards credit cards for frequent travelers, and you’ll earn 25% more value if you redeem your points for travel through Chase. You can also potentially get more value when you transfer your rewards to one of Chase’s travel partners. The card’s annual fee is $95, which is modest in comparison to the Chase Sapphire Reserve.
Welcome offer: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Other perks: You’ll receive various travel protections, including trip cancellation and interruption insurance, primary rental car insurance, trip delay reimbursement, delayed luggage reimbursement, and more. Each year on your card anniversary, you will also earn bonus points equal to 10% of the total purchases you made in the previous year.
Get more details at our Chase Sapphire Preferred Card review.
Weight: ~16 grams
Overview: The Capital One Venture Rewards Credit Card offers 2 miles per dollar on every purchase, every day, 5 miles per dollar on hotels and rental cars booked through Capital One Travel and 5 miles per dollar on Capital One Entertainment purchases through 12/31/25. You can redeem your rewards for just about any type of travel by using the card to book your travel and then using miles to get a statement credit against the purchase. The card’s annual fee is $95.
Early spend bonus: Earn a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening.
Other perks: The card offers an application fee credit of up to $100 every four years for TSA PreCheck or Global Entry. You’ll also get travel and emergency assistance and the option to create temporary credit card numbers for secure online shopping.1
Find out more in our Capital One Venture Rewards Credit Card review.
Express®
Gold CardWeight: ~15 grams
Overview: The American Express Gold Card carries a relatively high annual fee of $250. But people who spend a lot on dining, groceries, and travel could easily make up for it. You’ll earn 4X Membership Rewards points at U.S. supermarkets (up to $25,000 per year, after that 1X) and at restaurants, plus takeout and delivery in the U.S., 3X on flights booked directly with airlines or on Amextravel.com, and 1X on all other eligible purchases.
Welcome bonus: Earn 60,000 Membership Rewards points after you spend $6,000 on eligible purchases within the first 6 months of card membership.
Other perks: The card offers up to $120 each year in dining credits with participating retailers and food delivery services. Select benefits require enrollment.
Get more details at our American Express Gold Card review.
SkyMiles®
Platinum American Express CardWeight: ~15 grams
Overview: The Delta SkyMiles® Platinum American Express Card also comes with a relatively high annual fee of $350. But if you travel often, you could benefit from the ability to earn 3X miles per dollar spent on purchases made directly with Delta and at hotels; 2X miles per dollar spent at restaurants worldwide, plus takeout and delivery in the U.S., and at U.S. supermarkets; and 1X miles for every dollar spent on all other eligible purchases.
Welcome bonus: Earn 50,000 bonus miles after spending $3,000 in purchases in the first 6 months.
Other perks: The Delta SkyMiles Platinum comes with various travel-related perks and benefits. This includes an annual companion certificate for each year you renew your card membership that can be used to add a companion to a round-trip flight. Select benefits require enrollment.
Get more details at our Delta SkyMiles Platinum review.
Mastercard®
Titanium Card™Weight: ~22 grams
Overview: The Mastercard® Titanium Card™ offers 1X point per dollar spent on all purchases, and gives you one cent per dollar on cash back redemptions and two cents per dollar on airfare redemptions. While that’s not overly impressive, the card does come with some luxury travel benefits at an annual fee of $195.
Sign-up bonus: N/A
Other perks: The card comes with several travel benefits, including trip cancellation and interruption insurance, access to private country clubs for golf, and a 24/7 concierge service.
Get more details in our Mastercard® Titanium Card™ review.
Compare Travel Credit Cards
The right travel card for you is the one that matches your interests and spending habits, allowing you to earn valuable rewards and travel the way you like — for less. Learn more about these top cards and choose what's best for you.
»Compare Travel Credit CardsIf you prefer a cash rewards credit card over earning points and miles, these cards may be a good fit.
Weight: ~17 grams
Overview: The Capital One Savor Rewards Credit Card is a solid choice for foodies. It offers 10% cash back on purchases made through Uber & Uber Eats (through 11/14/2024); 8% cash back on Capital One Entertainment; 4% cash back on dining, entertainment, and select streaming services; 3% at grocery stores (excluding superstores such as Walmart® and Target®), and 1% cash back on all other purchases. The annual fee is $95.
Early spend bonus: Earn a $300 cash bonus after spending $3,000 in the first 3 months.
Other perks: The card provides access to curated culinary experiences, as well as discounts and VIP packages at music and sporting events.
Learn more in our Capital One Savor Rewards Credit Card review.
Visa®
CardWeight: ~17 grams
Overview: With an annual fee of $0, the Verizon Visa® Card gives you the opportunity to earn cash back that you can redeem toward your monthly Verizon bill and Verizon store purchases, among other redemption options. Using this card, you can earn 4% on grocery store and gas purchases; 3% on dining, including takeout; 2% on Verizon purchases, including your monthly bill; and 1% on all other purchases.
Intro bonus: Earn a $100 credit when you make your first purchase on the card in the first 90 days.
Other perks: Up to $10 off each eligible account or phone line each month up to a maximum of 12 lines.
Find out more in our Verizon Visa® Card review.
Weight: ~15 grams
Overview: The Apple Card has a $0 annual fee, and is primarily designed for use with Apple Pay — you’ll get a physical card, but it won’t have your card number on it. You’ll earn 3% cash back on Apple purchases and when you use Apple Pay for purchases from select partners, 2% on other purchases made with Apple Pay, and 1% cash back on everything else. Cash back is paid out daily.
Sign-up bonus: N/A
Other perks: The card’s primary benefits are its integration with the Wallet app along with its security. It uses a virtual card number for apps and websites, comes with a physical card with no numbers on it, and doesn’t track purchase data through Apple Pay.
Learn more in our Apple Card review.
Weight: ~12 grams
Overview: While the Prime Visa has a $0 annual fee, it’s only available to Amazon Prime members. The card offers 5% cash back at Amazon.com, Whole Foods Market, and on Chase Travel purchases; 2% cash back at restaurants and gas stations, and on local transit and commuting; 1% cash back on all other purchases. You can redeem your rewards on Amazon.com or as cash back.
Welcome offer: Earn a $100 Amazon gift card upon approval.
Other perks: The card offers travel accident insurance, lost luggage reimbursement, baggage delay insurance, and more.
Find out more in our Prime Visa review.
If you have business-related expenses, you may be better off with a business credit card than a personal card. Here are a few business cards that are made of metal.
Express®
Business Gold CardWeight: ~15 grams
Overview: The American Express Business Gold Card has a steep $375 annual fee but makes up for it with flexible rewards and perks. You’ll earn 4X Membership Rewards Points on purchases in the two categories with the most spend each billing cycle from 6 eligible categories (up to $150,000 in combined purchases each calendar year, after that 1X), 3X Membership Rewards points on flights and prepaid hotels booked at amextravel.com, and 1 point per $1 spent on other eligible purchases.
Welcome bonus: Earn 70,000 Membership Rewards points after spending $10,000 on eligible purchases in the first 3 months.
Other perks: Foreign transaction fees: None.
In addition to no foreign transaction fees and a valuable rewards program, you’ll also get free employee cards.
Get more details at our American Express Business Gold Card review.
Card®
from American ExpressWeight: ~17 grams
Overview: The Business Platinum Card from American Express is a premium business card. While it carries a $695 annual fee, frequent travelers and big spenders will likely have an easy time getting that back and more each year. You’ll earn 5X points on flights and prepaid hotels on Amextravel.com; 1.5X points on eligible purchases at U.S. suppliers of construction materials and hardware, U.S. retailers of electronic goods, U.S. providers of shipping, software and cloud systems, and eligible purchases of $5,000 or more (up to $2 million per year, then 1X); and 1X points per $1 spent on all other eligible purchases.
Welcome bonus: Earn 120,000 Membership Rewards points after spending $15,000 on eligible purchases in the first 3 months.
Other perks: The card is packed with benefits, including up to a $400 annual Dell credit, complimentary access to more than 1,400 airport lounges worldwide (including the Centurion Lounges), an application fee credit of up to $100 every 4 years for Global Entry or up to $85 every 4.5 years for TSA PreCheck, complimentary Marriot Bonvoy Gold Elite and Hilton Honors Gold status, and more. Select benefits require enrollment.
Get more details at The Business Platinum Card from American Express review.
Weight: ~14 grams
Overview: The Amazon Business Prime American Express Card is designed for business owners who have an Amazon Prime or Business Prime membership. The card itself, however, has a $0 annual fee. It offers 5% back in Amazon Rewards points or no interest for 90 days on U.S. Amazon Business, AWS, Amazon.com, and Whole Foods purchases (on up to $120,000 in purchases per calendar year, after that 1%); 2% back at U.S. restaurants, U.S. gas stations, and purchases with U.S. wireless providers; and 1% back on all other eligible purchases.
Welcome bonus: Earn a $125 Amazon gift card upon approval.
Other perks: The card offers enhanced data views for your purchases, the ability to add receipts and notes to transactions, free employee cards, and various purchase and travel protections.
Learn more in our Amazon Business Prime American Express Card review.
If you travel on the regular and want a VIP experience every time, these luxury cards can make the difference you’re looking for. Just be prepared for the likelihood that you'll need an excellent credit score as well.
Card®
from American ExpressWeight: ~17 grams
Overview: The Platinum Card from American Express is a rewards card that offers significant travel perks, a generous welcome bonus, and a flexible rewards program. Cardmembers earn 5X points per dollar spent on eligible airfare (on up to $500,000 per calendar year, after that 1X) and eligible hotel purchases, and 1X points per dollar on all other eligible purchases. This card’s annual fee is $695.
Welcome bonus: Earn 80,000 Membership Rewards points after spending $8,000 on purchases on your new card in the first 6 months.
Other perks: Like the business version, this card provides several elite benefits that make the annual fee easier to justify. This card offers up to $200 in annual Uber Cash (terms apply) and up to $100 in Saks Fifth Avenue credits each year. You’ll also get complimentary airport lounge access to several different networks, an application fee credit of up to $100 every 4 years for Global Entry or up to $85 every 4.5 years for TSA PreCheck, complimentary Marriot Bonvoy Gold Elite and Hilton Honors Gold status, and more. Select benefits require enrollment.
Get more details at The Platinum Card from American Express review.
Reserve®
Weight: ~12 grams
Overview: The Chase Sapphire Reserve combines the strength of the Ultimate Rewards program and a suite of elite travel perks. Cardholders earn 5X points on flights and 10X points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually; 3X points on other travel and dining & 1X points per dollar on all other purchases.
When redeeming rewards, you’ll get 50% more value if you use points to book travel through Chase. Alternatively, you can transfer your points to the bank’s travel partners. The card has a $550 annual fee.
Welcome offer: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Other perks: The card offers a slew of perks, including an annual $300 travel credit, an application fee credit for TSA PreCheck or Global Entry, and complimentary access to Priority Pass airport lounges. You’ll also get access to various trip protections, including primary rental car insurance, trip cancellation and interruption insurance, lost luggage reimbursement, emergency evacuation and transportation, and more.
Get more details at our Chase Sapphire Reserve review.
Altitude®
Reserve VisaInfinite®
CardWeight: ~13 grams
Overview: While the U.S. Bank Altitude Reserve Visa Infinite card isn’t as much of a heavy-hitter as other general premium credit cards, it still packs a punch for existing U.S. Bank customers. You’ll earn 5X on prepaid hotel and car rentals booked in the Altitude Rewards Center; 3X points on eligible travel and mobile wallet purchases; and 1X points for all other eligible purchases. The annual fee is $400.
Sign-up bonus: Earn a 50,000 point bonus after spending $4,500 in the first 90 days.
Other perks: Card benefits include up to a $325 annual travel credit, a complimentary 12-month membership to Priority Pass lounges with eight free visits per membership year, and an application fee credit for TSA PreCheck or Global Entry.
Get more information in our U.S. Bank Altitude Reserve Visa Infinite card review.
Citi®
/AAdvantage®
Executive World EliteMastercard®
Weight: ~18 grams
Overview: If you book air travel often and prefer American Airlines, the Citi / AAdvantage Executive World Elite Mastercard could provide benefits that go above and beyond the typical priority boarding and free checked bags. You’ll earn 10X miles on hotels booked through aa.com/hotels and eligible car rentals booked through aa.com/cars, 4X miles on eligible American Airlines purchases (after spending $150,000 per calendar year this increases to 5X for the remainder of the calendar year), and 1X miles for every $1 spent on other purchases. The annual fee is $595.
Sign-up bonus: Earn 70,000 American Airlines AAdvantage® bonus miles after spending $7,000 within the first 3 months of account opening (limited time offer).
Other perks: The card offers priority check-in, priority airport screening, and preferred boarding for you and up to eight others on your flight reservation. You’ll also get an application fee credit for TSA PreCheck or Global Entry, Admirals Club lounge membership, a 25% discount on in-flight food and drinks, and 10,000 Loyalty Points when you spend $40,000 or more in a year.
Find out more in our Citi / AAdvantage Executive World Elite Mastercard review.
Weight: ~12 grams
Overview: Frequent United flyers could find incredible value in the United Club Infinite Card, including lounge access and other common airline card perks. Cardholders earn 4 miles per dollar on United purchases; 2 miles per dollar on all other travel and dining; plus 1 mile per dollar on all other purchases. The card’s annual fee is $525.
Welcome offer: Earn 80,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.
Other perks: Unlike most airline cards, this card gives you your first and second checked bag free. You’ll also get United Club lounge membership, Premier Access, IHG Rewards Platinum Elite status, $75 IHG credit through Dec. 31, 2024, and more.
Get more details at our United Club Infinite Card review.
Brilliant®
AmericanExpress®
CardWeight: ~15 grams
Overview: If you’re a fan of Marriott Bonvoy hotels, the Marriott Bonvoy Brilliant American Express card may add a lot of value to your experience. Cardholders earn 6X points on eligible purchases at hotels participating in the Marriott Bonvoy program, 3X points at worldwide restaurants and on flights booked directly with airlines, and 2X points on all other eligible purchases. The card’s annual fee is $650.
Welcome bonus: Earn 185,000 Marriott Bonvoy bonus points after spending $6,000 in purchases in the first 6 months.
Other perks: The card offers up to a $300 annual (up to $25 per month) statement credit toward eligible dining purchases, one free night worth up to 85,000 points for your account anniversary, complimentary Marriott Bonvoy Platinum Elite status, Priority Pass Select membership, and more. Select benefits require enrollment.
Get more details at our Marriott Bonvoy Brilliant American Express card review.
Mastercard®
Black Card™Weight: ~22 grams
Overview: The Mastercard® Black Card™ is an elite travel card that provides luxury perks you can’t get with most other metal credit cards. Cardholders can redeem their rewards for airfare at a rate of 2% and will get 1.5% back when they redeem for anything else. The Mastercard Black Card has an annual fee of $495.
Sign-up bonus: N/A
Other perks: Cardholders get access to several perks, including a $100 annual airline credit, luxury gifts, luxury 24/7 concierge, a Global Entry or TSA PreCheck application fee credit, Priority Pass Select lounge access, and more.
Get more information in our Mastercard® Black Card™ review.
Mastercard®
Gold Card™Weight: ~22 grams
Overview: The Mastercard® Gold Card™ has the highest annual fee of any of the cards on our list at $995. But that cost may be worth it for some who like the card’s prestige and the perks it provides. The card has a 24-carat gold-plated design, and cardholders can redeem their points at a 2% rate for airfare and cash back rewards.
Sign-up bonus: N/A
Other perks: Cardholders will receive luxury gifts, as well as have access to global luggage delivery, cruise privileges, luxury concierge service, a $200 annual airline credit, a Global Entry or TSA PreCheck application credit, Priority Pass lounge access, and invitation-only, once-in-a-lifetime experiences through Mastercard Priceless.
Learn more in our Mastercard® Gold Card™ review.
SkyMiles®
Reserve American Express CardWeight: ~12 grams
Overview: The Delta SkyMiles® Reserve American Express Card enables you to earn 3X miles per dollar spent on purchases made directly with Delta and at hotels; 2X miles per dollar spent at restaurants worldwide, plus takeout and delivery in the U.S., and at U.S. supermarkets; and 1X miles for every dollar spent on all other eligible purchases. It has an annual fee of $650.
Welcome bonus: Earn 60,000 bonus miles after spending $5,000 in purchases in the first 6 months.
Other perks: The Delta SkyMiles Reserve gives you complimentary access to the Delta Sky Club. You can get complimentary access to the Centurion Lounge when you book your flight with your Delta SkyMiles Reserve card. Select benefits require enrollment.
Get more details at our Delta SkyMiles Reserve review.
The first metal credit cards made their debut in the 1920s when department stores began issuing metal charge plates and coins that allowed customers to buy on credit. However, those “cards” were designed to be used at one store only.
When the first multi-purpose charge card, the Diners Club card, came around in 1950, it was made of cardboard and could be used at 28 different restaurants and two hotels. In 1958, when Bank of America created the first general-purpose credit card, which is what we’re used to today, plastic became the norm.
Then in 1999, American Express launched The Centurion Card from American Express, which was made of titanium. This introduction gave rise to other luxury metal credit cards, including the Visa Black Card — now the Mastercard® Black Card™ — and more.
Now there are more than a dozen metal credit cards on the market. While some have steep annual fees, others are much more affordable, making it possible for just about anyone to have one in their wallet.
Depending on the card, it could be made of brass, copper, brushed stainless steel, gold, or palladium. Some cards are made from alloys or a combination of plastic and metal.
The weights of metal cards also vary — here are a few cards we weighed to compare:
Metal credit cards are heavier and sturdier than plastic credit cards and can add a little prestige to your experience. But they’re more difficult to destroy if you decide you want to close your account. Also, they may set off metal detectors at the airport and other places that require similar screening.
Metal credit cards look pretty and feel nice in your hand, but their true value tends to go beyond their aesthetics. To find the right metal credit card for you, compare different cards and consider multiple factors, including earning potential and benefits.
Most rewards credit cards provide welcome offers to new cardholders that are typically a simple way to earn loads of rewards over a short period of time. There’s often a spending requirement involved, but you can leverage everyday purchases to help qualify for a welcome offer.
If you’re deciding between two similar metal credit cards, you might choose the card with the better welcome offer to potentially receive more upfront value.
Points, miles, and cash back are the three most common types of credit card currencies associated with rewards credit cards. One type of currency isn’t necessarily better than the other, as it depends on the specific card and how you want to use your rewards.
But, in general, points and miles make sense if you want to redeem rewards for travel. And cash back is useful for earning cashback rewards on your eligible purchases.
It’s also important to compare earning rates between credit cards. For example, you could go with a simple rewards rate that earns the same amount on every eligible purchase. Or you might want higher reward rates on specific categories, such as groceries and dining, because that’s where you spend most of your money.
There’s a wide variety of credit card benefits, ranging from airport lounge access to annual statement credits. You might also receive access to a 24/7 concierge service or a useful travel portal, such as Chase Travel℠ or American Express Travel.
The best perks and benefits for you depend on your preferences, so be sure to find a card that aligns with your lifestyle and/or personal finance goals. For example, it could make sense to apply for a card with a 0% intro APR offer on purchases if you have upcoming large purchases to make.
Some cards have annual fees, while others don’t. Depending on the card, you may or may not have to pay foreign transaction fees on applicable purchases. Looking for these differences between cards can help you find a card that makes sense for you.
The heaviest metal credit card is the J.P. Morgan Reserve, an invite-only rewards card from Chase that weighs 27 grams. For comparison, the Amex Platinum weighs around 18 grams and the Chase Sapphire Reserve weighs about 13 grams.
Metal credit cards tend to feel and look better than many non-metal cards, and these aesthetic differences can often be a good indicator of increased rewards and benefits as well. Many premium credit cards are made out of metal and offer more benefits than their non-premium counterparts.
But this doesn’t always mean that metal credit cards are the best cards available and non-metal credit cards are worthless. For example, many Chase cards, such as the Chase Freedom Unlimited® and Chase Freedom Flex℠, aren’t made out of metal, but still provide a useful rewards rate and benefits for everyday cashback earning.
Major credit card companies that issue metal credit cards will typically provide postage-paid envelopes to send an old metal credit card back if you want it destroyed. This is an easy and free option, as most common shredders and pairs of scissors won’t be up to the task. You might also be able to stop by a local branch of your card company to have your card destroyed there.
Metal credit cards are becoming more accessible than ever, and some of them don’t even have an annual fee. As you consider different travel credit cards and other rewards cards, it’s important to view them holistically to find the right new card for you. Check out our list of the best travel credit cards for more information.
If the best credit card for you happens to also be made of metal, you’ll get the extra “wow” factor that comes with it. If not, you can still have the certainty that you’re getting the best value that you qualify for.
To determine the best metal credit cards, we first compiled a list of metal credit cards available for consumers and business owners. Then, we identified the key features that can provide value in a metal credit card, including rewards rate, welcome bonus, lounge access, and additional perks. We also considered annual fees and other essential factors.
It is important to note that we did not include all available options. This article is meant to serve as a starting point for further research. It's best to compare your options and do your own research before deciding on the metal credit card that best meets your needs.
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Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
$95
5X points on travel purchased through Chase Travel℠; 3X points on dining, select streaming services, and online groceries; 2X points on all other travel purchases, and 1X points on all other purchases
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Ben is a personal finance and travel writer who loves helping people achieve their money goals. Along with FinanceBuzz, his writing has also been featured on U.S. News, NerdWallet, Experian, Credit Karma, and more.
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