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Metal credit cards from major providers [Full list]

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Our pick for a metal credit card: Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card logo

80,000-point

Signup bonus after spending $4,000 in first 3 months

  • Signup bonus worth $1,000 with Chase Ultimate Rewards
  • 1:1 point transfer to partner hotels and airlines
  • Low annual fee for a travel card
Apply now
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
  • 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
  • JP Morgan Reserve Card
  • 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

Compare metal credit cards

Name Product Welcome offer Rewards Annual fee Filter values
Chase Sapphire Preferred® Card
80,000 points after spending $4,000 in the first 3 months, a value of up to $1,000 through Chase Ultimate Rewards
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
$95
Earn a huge signup bonus worth $$1,000 with this popular travel card. Combine with other Chase Ultimate Rewards cards for even greater value.
American Express® Gold Card
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)
$250
Earn up to 4x points on select purchases, a bevy of travel perks, and a welcome offer worth up to $350 with this upper-mid tier travel card. Rates & fees
Chase Sapphire Reserve®
50,000 points after spending $4,000 in the first 3 months
10x points on Lyft rides, 3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases
$550
Get a generous $300 in annual travel credits, 3x points on travel and dining, and a 50% bonus on point redemptions with Chase's premier card.
CardMatch™ from creditcards.com
See terms
See terms
See terms
Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.
Luxury Card Mastercard® Titanium Card™
N/A
1x points on all purchases with 2% point value when you redeem for airfare and 1% for cash back
$195
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
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Compare up to 4 providers

Best metal credit cards

The following list consists of credit cards you don’t need an invitation for. Exclusive cards like the The Centurion® Card from American Express come with world-class perks, but are extremely difficult to qualify for.

Best for premium travel
The Platinum Card® from American Express

The Platinum Card® from American Express logo
Finder Rating: 4.4 / 5

★★★★★

Credit recommended (670-850)
Read review
Rates & fees

670
Min. credit score
$550
Annual fee
Up to 5x
Points
60,000
Points welcome offer
The Amex Platinum Card is widely considered the card of choice for high-class travel. It offers valuable travel credits, enticing hotel-status upgrades, a powerful welcome offer and access to airport lounges around the world. You'll also earn market-leading rewards on eligible flights and hotels.
  • Welcome offer. Spend $5,000 on purchases with your card within the first 3 months of account opening, and you'll earn 60,000 Membership Rewards points.
  • Rewards. Earn 5x Membership Rewards points on eligible flights and hotels. Earn 1x points on other eligible purchases.
  • Credits. Enjoy up to $200 in annual Uber credits and a $200 annual airline fee credit. Get a credit every 4 years for your Global Entry application fee and a credit every 4.5 years for your TSA PreCheck application fee.
  • Airport lounge access. Get complimentary access to airport lounges around the world, including the best-in-class Centurion Lounges.
  • Elite status. Get gold status in Marriott Bonvoy and Hilton Honors.
  • Special hotel benefits. Enjoy VIP perks when you book stays at properties in the Fine Hotels &
  • Resorts Program and The Hotel Collection.
Annual Fee $550
Purchase APR
Balance transfer APR
Welcome offer 60,000 points after spending $5,000 in your first 3 months
Rewards 5x points on directly-booked flights or on flights and hotels on Amex Travel. 1x points on all other purchases

Best cobranded hotel credit card
Marriott Bonvoy Brilliant™ American Express® Card

Marriott Bonvoy Brilliant™ American Express® Card logo
Finder Rating: 4.6 / 5

★★★★★

Credit recommended (740-850)
Read review
Rates & fees

740
Min. credit score
$450
Annual fee
Up to 6x
Points
75,000
Points welcome offer
This premium hotel credit card is packed with features for loyal Marriott Bonvoy travelers. It offers an impressive rewards rate on eligible hotel spending and worldwide airport lounge access. You'll also find valuable Marriott Bonvoy perks, such as travel credits, a Free Night Award and a complimentary elite status upgrade.
  • Welcome offer. Spend $3,000 on purchases with your card within the first 3 months of account opening, and you'll earn 75,000 Marriott Bonvoy points.
  • Rewards. Earn 6x points on eligible purchases at participating Marriott Bonvoy properties. Earn 3x points at US restaurants and on flights you book through airlines. Earn 2x points on other eligible purchases.
  • Travel credits. Each card year, you'll get up to for statement credits you can use at participating Marriott Bonvoy properties. Get a credit for your Global Entry application fee every four years and a credit for your TSA PreCheck application fee.
  • Property credit. When you book direct with your card for a two-night minimum stay at The Ritz-Carlton or St. Regis, you'll earn up to $100 in credits for eligible expenses.
  • Free Night Award. Each card year, you'll receive a Free Night Award valid for a night's stay in a Marriott Bonvoy room worth 50,000 points or less.
  • Elite status. Get a complimentary boost to Gold Elite status in Marriott Bonvoy.
  • Airport lounge entry. Get access to airport lounges around the world with Priority Pass Select.
Annual Fee $450
Purchase APR 15.74% to 24.74% variable
Balance transfer APR N/A
Welcome offer 75,000 points after spending $3,000 in the first 3 months
Rewards 6x points at Marriott Bonvoy hotels, 3x at US restaurants and on flights booked directly with airlines and 2x for all other purchases
Please note: All information about Marriott Bonvoy Brilliant™ American Express® Card has been collected independently by Finder and this card is no longer available through this site.

Best no-annual-fee card
Wells Fargo Propel American Express® Card

Wells Fargo Propel American Express® Card logo
Finder Rating: 4.4 / 5

★★★★★

Credit recommended (670-850)
Read review
670
Min. credit score
$0
Annual fee
Up to 3x
Points
20,000
Points welcome offer
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.
  • No annual fee.
  • Reward points. Earn 3x points on eating out or ordering in, on gas, rideshares and transit, on flights, hotels, homestays and car rentals, and on popular streaming services. Earn 1x points on all other purchases. Redeem your points for travel, cash rewards, gift cards and more.
  • Welcome offer. Spend $1,000 on purchases in the first three months of your account opening and earn 20,000 bonus points, worth up to $300. For a no-annual-fee card, this is a generous offer. Similar cards offer bonuses between $100 to $200.
  • Intro APR period. Use a 0% intro APR on balance transfers and purchases for 12 months following your account opening. After that, a variable APR of 14.49% to 24.99% applies.
  • No foreign transaction fee. When you travel abroad, you can use the card freely without worrying about foreign transaction fees.
  • No penalty APR. There's only a fee if you make late payment. With other cards, you could end up with a penalty APR of up to 31%, which could last indefinitely.
Annual Fee $0
Purchase APR 0% intro for the first 12 months (then 14.49% to 24.99% variable)
Balance transfer APR 0% intro for the first 12 months (then 14.49% to 24.99% variable)
Welcome offer 20,000 points after spending $1,000 in the first 3 months
Rewards 3x points on dining, gas, transit, travel and streaming and 1x points on all other purchases

Best overall for travel
Chase Sapphire Reserve®

Chase Sapphire Reserve® logo
Finder Rating: 4.6 / 5

★★★★★

Credit recommended (740-850)
Apply now
on Chase's secure site
Rates & fees

740
Min. credit score
$550
Annual fee
Up to 10x
Points
50,000
Points welcome offer
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.
  • Travel credit. Each account anniversary year, get reimbursed up to $300 in statement credit for travel purchases you made.
  • TSA PreCheck or Global Entry fee credit. Get $100 in statement credit once every four years as reimbursement for the application fee you paid with your card.
  • DoorDash credits. Get $60 in annual DoorDash credits in 2020 and 2021.
  • Lounge access. Get complimentary access to more than 1,000 VIP lounges worldwide once you enroll in Priority Pass Select.
  • Chase points. Earn 10x points on Lyft rides through March 2022, as well as 3x points on travel after earning your annual travel credit. Earn 3x points on dining at restaurants worldwide. On everything else you buy, earn 1x points. Points redeemed for travel through Chase Ultimate Rewards are worth 50% more.
  • Signup bonus. Spend $4,000 on purchases during the first 3 months of your account opening and earn 50,000 bonus points &mdash
  • worth $750 when redeemed for travel through Chase Ultimate Rewards.
  • Complimentary memberships. Get a complimentary year of Lyft Pink and at least one complimentary year of DashPass.
Annual Fee $550
Purchase APR 16.99% to 23.99% variable
Balance transfer APR 16.99% to 23.99% variable
Welcome offer 50,000 points after spending $4,000 in the first 3 months
Rewards 10x points on Lyft rides, 3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases

Best store credit card
Amazon Prime Rewards Visa Signature Card

Amazon Prime Rewards Visa Signature Card logo
Credit recommended (670-850)
Read review
Rates & fees

670
Min. credit score
$0
Annual fee
Up to 5%
Cash back
$100
Welcome offer
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.
  • Points. Earn points with every purchase you make. For Amazon and Whole Foods Market purchases you earn points valued at 5% in cash back. At restaurants, gas stations and drugstores you earn points valued at 2% in cash back, and you earn 1% back all other purchases. Redeem points for cash back, gift cards, travel or use them toward your new Amazon purchases .
  • Amazon gift card. Sign up for the card and get a $70 gift card straight away.
  • No foreign transaction fee. Use your card freely when traveling abroad and you won't incur any foreign transaction fees.
  • No penalty APR. For any late payment you make, you'll just pay a fee. With other cards, a single late payment is enough to incur a penalty APR of up to 31%, which may last indefinitely.
Annual Fee $0
Purchase APR 14.24% to 22.24% variable
Balance transfer APR 14.24% to 22.24% variable
Welcome offer $100 Amazon Gift Card instantly upon approval
Rewards 5% back at Amazon.com and Whole Foods Market, 2% back at restaurants, gas stations and drugstores and 1% back on all other purchases
The information about Amazon Prime Rewards Visa Signature Card has been collected independently by Finder and has not been reviewed or provided by the issuer.

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 2020

The Chase Sapphire Reserve® now has a higher annual fee. For the price, however, you’ll find perks like bonus Lyft rewards, DoorDash credits and complimentary memberships in Lyft Pink and DashPass.

Heaviest metal credit cards

CardWeightAnnual fee
JP Morgan Reserve Card27g$595
Luxury Card Mastercard® Gold Card™22g$995
Amex Platinum Card18g$550
Citi Prestige® Credit Card18g$495
Citi® / AAdvantage® Executive World Elite™ Mastercard®18g$450
HSBC Premier World Elite Mastercard® credit card17g$395
U.S. Bank Altitude Reserve Visa Infinite® Card16g$400
Capital One® Venture® Rewards Credit Card16g$95 intro annual fee for the first card year, then $95
Apple Card15gNone
American Express® Gold Card15g$250
Marriott Bonvoy Brilliant™ American Express® Card15g$450
Centurion® Card from American Express14g$2,500 (initiation fee of $7,500)
Crystal Visa Infinite Credit Card14g$400
Chase Sapphire Reserve®13g$550
Chase Sapphire Preferred® Card13g$95
IHG® Rewards Club Premier Credit Card13g$89
Amazon Prime Rewards Visa Signature Card13gNone with Amazon Prime membership
United MileagePlus® Club card12g$450
Wells Fargo Propel American Express® Card10gNone

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.

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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