Compare metal credit cards in Canada

Metal credit cards come with generous rewards, exclusive travel perks and other prestigious benefits. And today, to get a metal credit card in Canada you no longer need a big investment portfolio, a million dollar annual income or a huge net worth.

Learn how to get a metal card and compare available metal credit cards in Canada in our guide below.

Metal credit cards in Canada

• How we chose these metal credit cards

  We’ve chosen the metal credit cards on this page based on the providers available through Finder and those available in the Canadian market. These cards are not necessarily representative of the entire market. No single metal card in Canada will be the best choice for everyone, so compare your options before choosing to apply for one.

Welcome Offer	Rewards	Annual Fee
The Platinum Card from American Express	Up to 100,000 points	Up to 2x points per $1 spent	$799	Earn up to 100,000 Membership Rewards points—that’s up to $1,000 towards a weekend away. T&Cs apply.	Go to siteView details Compare product selection Compare	loading	Why we like it The Platinum Card from American Express is an engraved metal charge card with a hefty annual fee of $799—but the benefits can far outweigh the costs. Note that this is a charge card, not a regular credit card, so you must pay off the balance in full every month or a penalty interest rate of up to 30% will apply. Earn 2 points for every $1 in card purchases on eligible travel. Plus, enjoy complimentary access to airport lounges worldwide. Pros & cons Pros Earn up to 100,000 Membership Rewards points—that’s up to $1,000 towards a weekend away Earn 2 points for every $1 spent on eligible dining and food delivery in Canada, 2 points for every $1 spent on eligible travel (plus 1 extra point when you book through Amex Travel Online) and 1 point for every $1 spent elsewhere. Enjoy complimentary lounge access and other travel perks This premium credit card comes in precision-cut, engraved metal, which makes it incredibly durable Cons The annual fee for this card is $799 Additional Platinum Cards cost $250 annually When you spend overseas, you'll face a foreign transaction fee of 2.5%
American Express Aeroplan Reserve Card	Up to 85,000 points	Up to 3x points	$599	Earn up to 85,000 Aeroplan points. Plus, you could earn up to $4,400 in value within your first 13 months. T&Cs apply.	Go to siteView details Compare product selection Compare	loading	Why we like it The American Express Aeroplan Reserve Card is a premium Aeroplan rewards credit card that comes with tons of perks and accelerated rewards. Earn 3x the points on eligible purchases made directly with Air Canada and Air Canada Vacations, 2x the points on eligible dining and food delivery purchases in Canada, and 1.25x the points on everything else. Earn up to 85,000 Aeroplan points. Plus, you could earn up to $4,400 in value within your first 13 months This card also comes with a host of travel perks and coverage, including travel medical, trip cancellation and interruption, hotel burglary, car rental and common carrier coverage. Pros & cons Pros Earn up to 85,000 Aeroplan points. Plus, you could earn up to $4,400 in value within your first 13 months Earn 3x the points on eligible purchases made directly with Air Canada and Air Canada Vacations, 2x the points on eligible dining and food delivery purchases in Canada, and 1.25x the points on everything else. Get access to tons of travel perks The American Express Aeroplan Reserve Card comes as an exclusive, precision cut and engraved 13g metal card Cons This card comes with a hefty yearly fee of $599, so you'll need to make sure you plan to use the card enough to earn enough rewards to justify the fee There's an added fee of $199 for every additional card you add to your account
BMO eclipse Visa Infinite Privilege	200,000 points	5 points per $1 spent	$599	Get up to 200,000 welcome points, Visa Airport Companion Program membership & 6 Complimentary Lounge Passes, NEXUS Statement Credit, $200 Statement Credit and earn 25% more points when you add another cardholder. That's up to $2,300 in value. Apply by October 31, 2026. Plus, get 0% introductory interest rate on balance transfers for 12 months with a 2% transfer fee. T&Cs apply.	Go to siteView details Compare product selection Compare	loading	Why we like it From everyday purchases to travel plans, the BMO eclipse Visa Infinite Privilege benefits every area of your lifestyle. Earn 5x the BMO Points for every $1 spent on groceries, dining in and out, drugstore, gas and travel purchases. You'll earn 1 point per $1 spent on everything else. You'll also have access to a a host of travel insurance coverage and benefits like airport lounge access and Visa Infinite Privilege Concierge services. Pros & cons Pros Get up to 200,000 welcome points, Visa Airport Companion Program membership & 6 Complimentary Lounge Passes, NEXUS Statement Credit, $200 Statement Credit and earn 25% more points when you add another cardholder. That's up to $2,300 in value. Apply by October 31, 2026. Plus, get 0% introductory interest rate on balance transfers for 12 months with a 2% transfer fee. Earn 5x the BMO Points for every $1 spent on groceries, dining in and out, drugstore, gas and travel purchases. You'll earn 1 point per $1 spent on everything else. get a $200 lifestyle credit annually Cons You'll have to pay an annual fee of $599 to maintain this card Each additional cardholder will cost a $99 fee You'll be charged a currency conversion rate of 2.5%
BMO eclipse Visa Infinite	70,000 points	5 points per $1 spent	$0 annual fee for the first year ($120 thereafter)	Get up to 70,000 Bonus points, monthly streaming statement credit, a $50 statement credit, and the $120 annual fee waived by your first anniversary. That's up to $1,150 in value. Apply by October 31, 2026. T&Cs apply.	Go to siteView details Compare product selection Compare	loading	Why we like it The BMO eclipse Visa Infinite let's you earn accelerated rewards on everyday purchases. Earn 5x the BMO Points for every $1 spent on groceries, dining in and out, gas and transit. Plus, earn 1 point for every $1 spent on everything else. Plus, you'll also get an annual lifestyle credit and a generous welcome offer. Get up to 70,000 Bonus points, monthly streaming statement credit, a $50 statement credit, and the $120 annual fee waived by your first anniversary. That's up to $1,150 in value. Apply by October 31, 2026. Pros & cons Pros Get up to 70,000 Bonus points, monthly streaming statement credit, a $50 statement credit, and the $120 annual fee waived by your first anniversary. That's up to $1,150 in value. Apply by October 31, 2026. Earn 5x the BMO Points for every $1 spent on groceries, dining in and out, gas and transit. Plus, earn 1 point for every $1 spent on everything else. Travel worry-free with emergency medical insurance, common carrier insurance and car rental collision insurance Cons This card comes with a 2.5% foreign transaction fee You'll pay an annual fee of $120
American Express Gold Rewards Card	60,000 points	2 points per $1 spent	$250	View details Compare product selection Compare	loading	Why we like it The American Express Gold Rewards Card is another metal credit card that offers a solid rewards program allowing you to earn big. Earn 2 points for every $1 spent on eligible travel purchases (including flights, hotels, car rentals, cruises and more), and at eligible gas stations, grocery stores and drugstores in Canada, and earn 1 point for every $1 spent elsewhere. This card also comes with a host of travel benefits like airport lounge access, an annual travel credit and travel insurance coverage. Pros & cons Pros Earn 2 points for every $1 spent on eligible travel purchases (including flights, hotels, car rentals, cruises and more), and at eligible gas stations, grocery stores and drugstores in Canada, and earn 1 point for every $1 spent elsewhere. The American Express Gold Rewards Card is a metal card Cons This card charges an annual fee of $250, so you'll need to make sure you plan on using the card enough to justify the fee
CIBC Aventura Visa Infinite Privilege Card	80,000 points	Up to 3 points per $1 spent	$499	Get up to 80,000 Aventura Points (up to $1,600 in travel value). T&Cs apply.	View details Compare product selection Compare	loading	Why we like it The CIBC Aventura Visa Infinite Privilege Card is a metal credit card with a host of perks. You can earn more points when you sign up. Earn 25,000 Aventura Points when you spend $3,000 or more in the first 4 monthly statement periods and 25,000 Aventura Points when you spend $3,000 or more in the first 4 monthly statement periods. Also, in your first year, you can earn an additional 30,000 Aventura Points when you have at least $25,000 in net eligible purchases posted on your account during the first 12 monthly statement periods. That’s up to 30,000 points. Pros & cons Pros Earn 3 Aventura Points on travel with the CIBC Rewards Centre, 2 points for every $1 spent on daily purchases like gas, groceries and transportation, and 1.25 points for every $1 spent on all other purchases. The CIBC Aventura Visa Infinite Privilege Card comes as a black-coloured metal card Cons This card comes with a hefty yearly fee of $499, so you'll need to make sure you plan to use the card enough to earn enough rewards to justify the fee You'll need a personal income of $150,000 or a combined household income of $200,000 to apply for this card
CIBC Aeroplan Visa Infinite Privilege Card	100,000 points	Up to 2 points per $1 spent	$599	Get up to 100,000 Aeroplan bonus points when you meet the spend requirements. T&Cs apply.	View details Compare product selection Compare	loading	Why we like it The CIBC Aeroplan Visa Infinite Privilege Card is a metal credit card offering premium perks. Get up to 100,000 Aeroplan bonus points when you meet the spend requirements. Pros & cons Pros Get up to 100,000 Aeroplan bonus points when you meet the spend requirements. Earn 2 Aeroplan points for every dollar spent on Air Canada and Air Canada Vacations. Earn 1.5 points for every dollar spent on grocery, gas, travel and dining. All other purchases yield 1.25 points per dollar spent. The CIBC Aeroplan Visa Infinite Privilege Card comes as a black-coloured metal card Cons This card comes with a hefty yearly fee of $599 You'll need a personal income of $150,000 or a combined household income of $200,000 to apply for this card
TD Aeroplan Visa Infinite Privilege Card	85,000	Up to 2 points per 1 spent	$599	Earn up to 85,000 Aeroplan points. T&Cs apply.	View details Compare product selection Compare	loading	Why we like it The TD Aeroplan Visa Infinite Privilege Card is a metal credit card that offers premium perks. Earn up to 85,000 Aeroplan points. Conditions Apply. Earn 2 points per dollar on Air Canada purchases, 1.5 points per dollar on gas, groceries, travel, and dining, and 1.25 points on everything else. Pros & cons Pros Earn up to 85,000 Aeroplan points. Earn 2 points per dollar on Air Canada purchases, 1.5 points per dollar on gas, groceries, travel, and dining, and 1.25 points on everything else. Cons You'll pay an annual fee of $599.;You'll need an annual household income of at least $200,000 to be eligible for this card

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What is a metal card?

Metal credit cards are made from metal and usually offer accelerated rewards on travel and experiences, as well as access to prestigious banking benefits. While U.S. residents have access to metal credit cards that come with no annual fees, there are currently only a few offered in Canada, and most of them come with pretty unattainable eligibility requirements for the average person—with the exception of one: The Platinum Card from American Express.

Compare other metal cards in Canada

How to get metal credit card in Canada

For the more prestigious Canadian metal credit cards, you’ll need to have investments over $1 million, a massively high net worth and you’ll likely need to be a big spender. When it comes to The Platinum Card from American Express, you’ll need a good to excellent credit score and an ability to pay off your balance in full each month—not to mention a desire to pay $799 annually for the card. However, the easiest way to get a metal card is to apply for one in our metal credit card table here.

How to destroy a metal credit card

Destroying a metal credit card takes more time than simply cutting up a plastic card. Here’s how to do it:

Return the metal card to your provider

Some banks may provide you with an envelope to return your metal credit card for disposal. The bank may send the envelope either when sending you a replacement card or upon request. Alternatively, you can visit a bank branch and leave your card there.

This is by far the easiest way to scrap your metal credit card. But if you acquired your card from an online provider, your only option may be to destroy the card.

How to destroy a metal card

Most metal cards in Canada are coated with plastic, which holds the account information. Because of that, it’s important you destroy the plastic layer. But before you proceed, check if the card is made of a thin metal layer. If it is, you can simply cut it with tin snips. If not, carefully and safely do the following:

1. Destroy the EMV chip. You can either use scissors to pierce the chip or you can press your thumb on the back of the card behind the chip and push until the chip starts to come off. If it doesn’t come off, use any sharp metal object to help pry it off. Once out, destroy the chip with scissors.
2. Remove your name and card number. Use a lighter to heat up the plastic layer. The more you heat it the easier it is to peel it off with scissors or any sharp metal object.
3. Destroy any carvings on the metal credit card. If any numbers or names remain on the metal, use sandpaper or a sharp metal object to grind them away until they’re unreadable.
4. Demagnetize the strip. If the magstripe is intact, put a refrigerator magnet on it and leave it there for an hour. After that, swipe it several times across the magnetic stripe.
5. Cover the signature area. Use a permanent marker to make the signature area unreadable.

But if you no longer want to keep your metal credit card or if it expired, your bank will either send a return envelope or you’ll have to destroy it yourself. If you go for the second option, make sure the plastic coating is destroyed and any information remaining on the metal is unreadable.

Take a look at our detailed guide to credit cards to learn more about fees, interest rates and how to narrow down your options to find the right card for you.

Is a metal credit card worth it?

Metal credit cards gained popularity because they look and feel luxurious. After all, once you put the metal card on the counter it tends to get noticed. However, metal cards are heavier than plastic and they can weigh down your wallet — especially if you have more than one card. Also, depending on which metal is used in their production, they could trigger airport metal detectors.

However, the material of your credit card shouldn’t be your only criteria. If you find that a certain card isn’t a good fit for you, it won’t matter much if it’s metal or plastic.

That said, the most exclusive and prestigious credit cards in Canada are likely the ones listed above—which are all metal.

What are the heaviest credit cards in Canada?

If your wallet is full of plastic credit cards, it should be relatively light as plastic cards on average weigh around five grams. But if you carry one or more metal cards, your wallet will suddenly be quite hefty. Here are some of the heaviest credit cards in Canada:

What are the heaviest credit cards made of?

Most metal cards are made using a variety of metals and alloys, including brass, copper and stainless steel. Most of these cards are coated with a plastic layer, which holds valuable credit card account information.

Bottom line on metal credit cards in Canada

Most metal cards offered in Canada are still generally exclusive to high-income earners, big spenders and investors. Most of these cards offer big rewards on travel and dining, concierge services, airport lounge access and incredibly comprehensive insurance packages, however, there are plenty of other credit cards in Canada that offer similar features with much lower annual fees—not to mention the eligibility criteria for these cards are actually attainable for the average person.

If you’re scratching your head in disbelief at the eligibility criteria for most of the above metal credit cards, you’re not looking to pay a high annual fee for a charge card from Amex, or you missed out on the Koho metal card, you might want to consider other rewards credit cards.

A metal credit card represents prestige for good reason. On average, the heaviest credit cards weigh around 15 grams, come with a high annual fee and offer premium perks. Getting one of the heaviest credit cards could be worth considering if you’re looking for a premium travel option. Just make sure paying the annual fee is worth it. Otherwise, it’ll just weigh down your wallet.

If you think a heavy credit card or metal credit card may not be a good choice for you, but you still want premium perks, compare the luxury credit cards until you find the right fit for your wallet.

Metal cards in Canada FAQs

• What are metal credit cards made of?

  There's a variety of materials used in building metal cards, including brass, copper, stainless steel and even gold and palladium. Some cards are made from alloys, and the majority of metal credit cards are coated with plastic.

• How do I get a metal credit card in Canada?

  The easiest way to get a metal credit card in Canada is to compare metal cards in our metal card table , chose the metal card that's best for you any apply securely for it.

• What credit score will I need to get a metal credit card?

  You'll likely need an excellent credit score of 800 or higher for the more prestigious metal cards. You may be able to apply for The Platinum Card from American Express with a good to excellent credit score of 650 or higher.

• What are the perks that often come with the heaviest cards?

  You can often get an airport lounge access, dedicated concierge service, travel credit, elite status, a generous signup bonus and more.

• Are metal credit cards easy to destroy?

  It depends on the card. But the easiest way to dispose of your metal credit card is to return it to the bank that issued your metal credit card.

• Can you get a metal debit card in Canada?

  No, there are currently no options to find a metal debit card in Canada.

• Is there a correlation between weight and price with metal credit cards?

  Not necessarily. The lightest card on our list, the Centurion Card from American Express, weighs only 14 grams but has a rumoured annual fee of around $2,500. The card's pricing has more to do with its perks. The Centurion Card from American Express comes with a myriad of perks.

• How expensive are the heaviest cards?

  Most heavy credit cards come with an annual fee of at least $400, but some run into the thousands per year.

Written by

Emma Balmforth

Producer

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Emma Balmforth is a producer at Finder. She is passionate about helping people make financial decisions that will benefit them now and in the future. She has written for a variety of publications including World Nomads, Trek Effect and Uncharted. Emma has a degree in Business and Psychology from the University of Waterloo. She enjoys backpacking, reading and taking long hikes and road trips with her adventurous dog. See full bio

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Kliment Dukovski

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Kliment Dukovski was a personal finance writer at Finder, specializing in investments and cryptocurrency. He's written more than 700 articles to help readers compare the best trading platforms, understand complex investment terms and find the best credit cards for their needs. His expert commentary has been featured in such digital publications as Fox Business, MSN Money and MediaFeed. He’s also well-versed in money transfers, home loans and more — breaking down these topics into simple concepts anyone can understand. In another life, Kliment ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies. See full bio

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Kliment has written 9 Finder guides across topics including:

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