5 Banks with Metal Debit Cards

Maybe you just want a metal debit card for bragging rights, or you need a long-lasting card that can keep up with you. The good news is they exist — but metal debit cards are less common than metal credit cards. We’ve rounded up five companies that offer metal debit cards, but be aware that they often come at an extra cost.

5 Top Banks with Metal Debit Cards

• Step Black Card
• Revolut
• Acorns Checking
• Crypto.com Visa Card
• Cash App Card

Finder Score	Fee	Minimum deposit to open	Annual Percentage Yield (APY)
Finder score 8.6 Great Step Black Card	Finder score 8.6 Great	From $0 per month	$0	4.00% on balances of $0 to $1,000,000	Go to site View details Compare product selection Compare	loading	Why we like it Step is a fintech company. The Step Black card comes with a 17g, laser engraved metal card that's also numberless. Steps cards are pretty unique, because while it's a secured credit card, it works more like a debit card since you can't spend more than what you have in the Step deposit account. There's also no APR. Step Black also comes with up to 8% unlimited cashback on purchases, such as 8% at Step's partners, 3% on dining, 2% on subscriptions and 1% on everything else. Step could improve your credit history, too, since it's a secured card option that reports payments to all three major credit bureaus. Step Black costs $4.99 per month, but that fee can be waived with at least $500 in monthly direct deposits. Pros & cons Pros 17g numberless metal card Up to 8% unlimited cashback No credit check;No APR Credit building Cons $4.99/month (waivable) Online only
Finder score 9.6 Excellent Revolut	Finder score 9.6 Excellent	From $0 per month	$0	5.50% on balances of $0+ 4.50% on balances of $0+ 4.00% on balances of $0+	Join Revolut and get $20. Make your first virtual or physical Revolut card payment to receive $20 credited to your Revolut account. T&Cs apply.	Go to site View details Compare product selection Compare	loading	Why we like it Revolut is a fintech company offering accounts designed for global folks who travel often or move around internationally. You can receive a complimentary metal debit card by opting for the paid Metal plan, which costs $16.99 per month. It is available in several colors, including black, gold, lavender, space gray and rose gold. Made of reinforced steel, the card offers custom etching as well. The Revolut Metal plan also provides several benefits, including up to 5.5% APY on balances in High Yield Account, and up to 3.75% APY in Savings, savings round-ups, subscription service credits, travel insurance, low-fee international transfers, priority customer support and access to Revolut's large network of 55,000 ATMs. Pros & cons Pros Reinforced steel card;Multiple colors and custom etching Up to 5.5% APY on balances in High Yield Account Travel and lost luggage insurance Large ATM network Low-cost foreign transfers Cons Metal plan costs $16.99/month No physical branches
Finder score 7.2 Great Acorns Checking	Finder score 7.2 Great	From $3 per month	$0	N/A	Go to site View details Compare product selection Compare	loading	Why we like it A well-known robo-advisor, Acorns offers a checking account with a green, metal debit card. The account is included with all Acorn subscription levels, with no overdraft fees or minimum balance fees. For a bit of a level up, there's also the Mighty Oak debit card, made of tungsten, that comes with either the $6 or $12 Acorns subscription tier. The Mighty Oak card features a matte black finish and your signature laser engraved on the front. Additionally, you can waive the $6 or $12 monthly fee by setting up direct deposit of at least $250 per calendar month. Pros & cons Pros Metal card included with all Acorns subscription levels No extra fee for Mighty Oak Mighty Oak is tungsten with laser-engraved signature Waive membership fee with direct deposit Cons Mighty Oak black card requires specific membership tiers No color customization options
Finder score Not scored yet Crypto.com Visa Card	Finder score Not scored yet	$0 per month	$0	N/A	View details Compare product selection Compare	loading	Why we like it While not technically a debit card, Crypto.com offers multiple metal prepaid Visa cards. As prepaid cards, they can be funded using bank account transfers, other cards or cryptocurrency. There are many color options, such as Midnight Blue, Ruby Steel, Royal Indigo, Jade Green, Frosted Rose and more. Each card requires a certain number of CRO tokens to qualify and offers different rewards. To apply for any of the cards, you must have a Crypto.com App account, possess enough CRO tokens for the specific card and store the tokens in your crypto wallet within the Crypto.com App. The cards have no annual fees, and each can earn different rewards, such as airport lounge access, Spotify and Netflix membership reimbursements and cashback rewards at places like Expedia and Airbnb. But as it is a prepaid card, watch out for reload fees, such as the 1% fee for reloading via an external debit card. Pros & cons Pros No annual fees Multiple metal cards Membership credits and cashback Cons Requires Crypto.com account Requires CRO tokens Reload fees
Finder score 9 Excellent Cash App Card	Finder score 9 Excellent	$0 per month	$0	N/A	View details Compare product selection Compare	loading	Why we like it Cash App is a fintech, and it offers a Cash App Card linked to your Cash App balance. The debit card itself can be customized, and you can choose to upgrade from plastic to metal. Upgrading to a metal card costs $50. Aside from the metal card, Cash App is also popular for quick peer-to-peer payments, the ability to earn up to 3.50% APY on savings, investing options, debit card rewards, and depending on your state, you could access tax e-filing and cash advances. Cash App also offers banking for teens aged for ages 13 to 17, with a parent sponsor. Pros & cons Pros No monthly membership fees Customization options P2P payments Tax filing and cash advances depending on your state Teen accounts Cons $50 for metal card No physical branches

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Are there any other places to get metal debit cards?

Yes! If you’re really intent on getting a metal debit card, many design companies offer custom metal cards using the details of your existing debit card.

In most cases, these companies allow you to submit your own design or choose from a pre-made design. After you choose a design, you “freeze” your existing debit card for safety, ship the card to the company and they’ll make and send you the custom metal card.

Just know that the cost of the metal card could be high, and if you send the card to a company, make sure it’s trustworthy. Custom metal cards can cost anywhere from $50 to $200, depending on the customization options, type of metal and company you choose. You’ll also have to be OK with not having your debit card for as long as the company takes to make the new metal one.

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Narrow down top checking accounts by monthly fees, APYs and features. For a better comparison, tick the compare box on multiple options to see the benefits side by side.

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5 of 17 results

Finder Score	Fee	Minimum deposit to open	Annual Percentage Yield (APY)
Finder Rewards ExclusivePromoted Finder score 9.6 Excellent Chime® Checking Account	Finder score 9.6 Excellent	$0 per month	$0	N/A	ENDS SOON! $300 Visa Card Reward 1 Join Finder 2 Open a Chime® Checking account and receive a first payroll deposit of $200 or more 3 Receive card from Finder Ends by. T&Cs and limits apply.	Go to site View details Compare product selection Compare	loading
Promoted Finder score 8.4 Great Axos ONE	Finder score 8.4 Great	$0 per month	$0	4.21% on balances of $0+ 1.00% on balances of $0+ 0.51% on balances of $0+	Go to site View details Compare product selection Compare	loading
Promoted Finder score 9.2 Excellent Current	Finder score 9.2 Excellent	$0 per month	$0	4.00% on balances of $0.01 to $2,000	Get a $100 referral bonus by inviting your friends to join Current. Once the person receives the invite link, applies your unique referral code, and makes qualifying Eligible Payroll Deposits of at least $200 within 45 days of opening the account, you and the referred friend each earn $100. T&Cs apply.	Go to site View details Compare product selection Compare	loading
Finder score 9 Excellent SoFi Checking and Savings	Finder score 9 Excellent	$0 per month	$0	Up to 3.30%	Earn up to 4.00% APY on savings and $50 or $400 with direct deposit. Open a new SoFi Checking and Savings account by 31 December 2026, set up eligible direct deposit within 60 days, and maintain direct deposit for six months. T&Cs apply.	Go to site View details Compare product selection Compare	loading
Finder score 7 Great HSBC Premier Checking	Finder score 7 Great	$50 per month (can be waived)	$0	0.01% on balances of $5+	Earn up to $7,000 when you open an HSBC Premier checking account by March 31, 2026 and complete qualifying activities. T&Cs apply.	Go to site View details Compare product selection Compare	loading

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How we picked these

What is the Finder Score?

The Finder Score crunches over 300 checking accounts from hundreds of financial institutions. It takes into account the product's monthly fees, overdraft fees, opening deposit, customer support options, ATM network and features — this gives you a simple score out of 10.

To provide a Score, Finder’s banking experts analyze hundreds of checking accounts against what we consider is the best option: no monthly fees, no overdraft fees, a large ATM network of 50,000 or more, additional features outside of typical banking services, and the optional perk of earning interest. Accounts that are nearly free to maintain and use are scored the highest, while accounts with costly fees and few features are scored the lowest.

Read the full breakdown

Why are metal cards a thing?

Metal card options are significantly more popular among credit card companies. Traditionally, metal cards are status symbols and are usually geared toward a company’s most “prestigious” customers or highest spenders. After all, metal cards are more expensive to produce than plastic ones.

Metal cards are also much more durable than their plastic counterparts, making them more appealing to frequent spenders or people who are rougher with their cards.

Should I get a metal debit card?

If you really want a metal card, go for it — but we wouldn’t recommend choosing a bank just for the style of the card. Consider the account’s costs, requirements and any additional fees for obtaining a metal card. Very few banks and fintechs offer metal debit cards, so your options are pretty limited, and you’ll want a card that fits your lifestyle — not just your personal style.

Are metal cards free?

Metal cards can be complimentary, like the Revolut metal debit card, which comes with no extra charge with the paid membership. Some metal credit cards are simply included for having that specific card, such as many American Express cards, but these options tend to have high annual fees, so it’s a give-and-take.

Bottom line

If you’re set on a metal card but none of the options are right for you, your next step may be to compare checking accounts that match your lifestyle and then order a custom card using that debit card’s existing details. This way, you can choose an account that fits your needs while getting the fancy metal card you want.

Metal cards are also more commonly offered by credit card companies: compare the best credit cards.

Frequently asked questions

Does Chime have a metal card?

Yes. Chime offers a Limited-Edition Metal Chime Visa® Credit Card – but it’s not a “true” debit card and there are some requirements.

To receive the limited-edition metal card, you first has to have a Chime checking account and the Chime credit-building secured card. Then, you must have received a promotional email with the subject line of “Want a Metal credit card? Look inside regarding the Metal Card Challenge.” Next, you will have to meet activity requirements, such as making a number of qualifying transactions to get the metal card.

What are metal cards made of?

Metal credit and debit cards are often made of tungsten, stainless steel or titanium. If you want to get really fancy, some companies offer gold cards.

To make sure you get accurate and helpful information, this guide has been edited by Holly Jennings as part of our fact-checking process.

Written by

Bethany Hickey

Banking editor

Bethany Hickey is the banking editor and personal finance expert at Finder, specializing in banking, lending, insurance, and crypto. Bethany’s expertise in personal finance has garnered recognition from esteemed media outlets, such as Nasdaq, MSN, Yahoo Finance, GOBankingRates, SuperMoney, AOL and Newsweek. Her articles offer practical financial strategies to Americans, empowering them to make decisions that meet their financial goals. Her past work includes articles on generational spending and saving habits, lending, budgeting and managing debt. Before joining Finder, she was a content manager where she wrote hundreds of articles and news pieces on auto financing and credit repair for CarsDirect, Auto Credit Express and The Car Connection, among others. Bethany holds a BA in English from the University of Michigan-Flint, and was poetry editor for the university’s Qua Literary and Fine Arts Magazine. See full bio

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Bethany has written 491 Finder guides across topics including:

• Personal finance
• Banking
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• Insurance
• Cryptocurrency and NFTs