Make a statement when you make purchases.
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.
Our pick for a metal credit card
The Platinum Card® from American ExpressRead more
Compare metal credit cards
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
Best metal credit card with no annual fee: Wells Fargo Propel American Express® Card
Wells Fargo Propel American Express® CardRead more
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.
Best metal credit card for travel: Chase Sapphire Reserve®
Chase Sapphire Reserve®Read more
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.
Best metal credit card for Amazon Prime members: Amazon Prime Rewards Visa Signature Card
Amazon Prime Rewards Visa Signature CardRead more
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 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 metalIf 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 you if 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.
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.