Metal credit cards from major providers [Full list]

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If you’re looking for a durable credit card that says style and luxury, you’ll find that with a metal credit card. Aside from being a head-turner when you use it, it often comes with generous rewards and travel perks — especially if it’s one of the more expensive cards.

Full list of metal credit cards from major providers

  • Amazon Business Prime American Express Card
  • Amazon Prime Rewards Visa Signature Card
  • American Express® Business Gold Card
  • American Express® Gold Card
  • Apple Card
  • The Business Platinum® Card from American Express
  • Capital One® Savor® Cash Rewards Credit Card
  • Capital One® Venture® Rewards Credit Card
  • The Centurion® Card from American Express
  • Chase Sapphire Preferred® Card
  • Chase Sapphire Reserve®
  • Citi® / AAdvantage® Executive World Elite™ Mastercard®
  • Citi Prestige® Credit Card
  • Crystal® Visa Infinite® Credit Card
  • HSBC Premier World Elite Mastercard® credit card
  • IHG® Rewards Club Premier Credit Card
  • J.P. Morgan Reserve
  • Luxury Card Mastercard® Black Card™
  • Luxury Card Mastercard® Gold Card™
  • Luxury Card Mastercard® Titanium Card™
  • Marriott Bonvoy Brilliant™ American Express® Card
  • The Platinum Card® from American Express
  • Ritz-Carlton Rewards® Credit Card (discontinued)
  • U.S. Bank Altitude Reserve Visa Infinite® Card
  • United MileagePlus® Club card
  • Wells Fargo Propel American Express® Card

Our pick for a metal credit card

Luxury Card Mastercard® Black Card™

  • Stainless steel—Outweighs the competition with 22 grams
  • 2% point value when you redeem for airfare
  • 1.5% point value when you redeem for cash back
  • Enjoy 24/7 access to Luxury Card Concierge
  • $100 annual airline credit toward qualifying airline purchases
  • $100 Global Entry application fee credit
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Compare metal credit cards

Name Product Welcome offer Rewards Annual fee Filter values
1x points on all purchases with 2% point value when you redeem for airfare and 1.5% for cash back
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
60,000 points after spending $5,000 in your first 3 months
5x points on directly-booked flights or on flights and hotels on Amex Travel. 1x points on all other purchases
Get 5x Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5x points on eligible hotels booked on Rates & fees
35,000 points after spending $4,000 in the first 3 months
3x points on directly-booked flights; 4x at restaurants; 4x at US supermarkets on up to $25,000 annually (then 1x points)
35,000 bonus Membership Rewards® Points when you spend $4,000 in the first 3 months. Rates & fees
50,000 bonus miles after spending $3,000 in the first 3 months
2x miles on all purchases and 10x miles at
$0 intro annual fee for the first year ($95 thereafter)
Earn 50,000 bonus miles after spending $3,000 on purchases within the first 3 months from account opening.
60,000 points after spending $4,000 in the first 3 months
2x points on travel and dining and 1x points on all other purchases
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months.

Compare up to 4 providers

What are metal credit cards?

Metal credit cards are standard credit cards that typically offer accelerated rewards on travel and dining. In the past, to own a metal credit card you had to be either invited by the bank or pay a large annual fee. Today, you can get a metal credit card without even paying an annual fee.

Best metal credit cards

Wells Fargo Propel American Express® Card

Wells Fargo Propel American Express® Card
  • Get this card if: You look for credit card with no annual fee.

If you’re looking for a metal credit card with features that rival other expensive cards and no annual fee, the Wells Fargo Propel American Express® Card could be a great choice. With it earn accelerated rewards on gas, dining, travel and on popular streaming services including Netflix, Hulu and Apple Music.

Chase Sapphire Reserve®

Chase Sapphire Reserve®
See offer
  • Get this card if: You look for metal credit card for travel.

The Chase Sapphire Reserve® is a metal card designed for travelers. Aside from its sleek look, you can earn points on worldwide travel purchases and dining. Plus when you redeem your points for travel through the Chase Ultimate Rewards program, you get significantly more point value.

Amazon Prime Rewards Visa Signature Card

Amazon Prime Rewards Visa Signature Card
  • Get this card if: You look for metal credit card for Amazon Prime members.

The Amazon Prime Rewards Visa Signature Card can be a great addition to your wallet if you spend more than $3,000 annually on Amazon and Whole Foods Market purchases — especially if you’re an Amazon Prime member. Aside from earning accelerated points on these purchases, you also earn on gas, dining and for shopping at drugstores.

How we selected our top cards

We compared all metal cards based on the annual fee, travel perks and overall value of the card. We highlighted the cards that stood out above the rest in one or more of these categories.

What’s changed in 2019

This year, we chose the Amex Platinum Card as being the best for travel. However, we’re replacing that pick with the Sapphire Reserve because it has a lower annual fee, broader acceptance overseas and higher annual travel credit.

How to get a metal credit card

Only the privileged and high net-worth individuals could afford to get a metal card in the past. Today, metal cards can be affordable and just as easy to get as any other card. However, in most cases a good to excellent score is required to be approved for such cards.

How to turn your plastic credit card into metal

If you can’t get a metal card or if you’re in love with your plastic credit card’s features but you wish it was made out of metal, there are services that can turn your plastic card into metal. You can also choose your own design or etch a logo of your choice.

However, these services typically cost $150 or more. Not to mention you may have to give your card information to a third party. Users have had issues at the ATM or using the tap and pay feature. Given the drawbacks, it may be better to stick with your plastic card until you can earn the upgrade.

How to destroy a metal credit card

If you need to destroy your metal card after you close the account, mailing it back to the bank is the safest way. Cutting it with tin snips or melting it could work, but can take more time than necessary.

If you’re getting a replacement card, some banks will also send you a return envelope for your old card. If they don’t, call your bank and ask how to return your card. You could try cutting it with tin snips or use a lighter to melt the plastic coating. But, it may take a lot of your time and it may not work.

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.

But the material of your 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.

Bottom line

Metal cards used to be exclusive for high-income users. But today, anyone with a good or excellent credit score can apply for a metal card. Most of these cards offer high rewards on travel and dining purchases, but there are few that you could use to earn rewards on Amazon purchases or gas.

However, if none of these cards looks appealing to you, consider other rewards credit cards and compare your options.

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