What are the best metal credit cards? | finder.com
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What are the best metal credit cards?

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Earn accelerated rewards on travel purchases and dining while showing off your status and success.

If you’re looking for a durable credit card that says style and luxury, the obvious choice is a metal credit card. Aside from being a head-turner everytime you use it to pay, 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 Express

  • Earn 60,000 Membership Rewards® points after you use your new card to make $5,000 in purchases in your first 3 months.
  • Enjoy Uber VIP status and free rides in the U.S. up to $15 each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings.
  • 5x Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
  • 5x Membership Rewards points on prepaid hotels booked on amextravel.com.
  • Enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
  • Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn more.
  • $200 airline fee credit, up to $200 per calendar year in baggage fees and more at one qualifying airline.
  • Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. Enrollment required.
  • $550 annual fee.
  • Terms apply.
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Compare metal credit cards

Name Product Welcome Offer Reward Value per Dollar APR (Annual Percentage Rate) for Purchases Annual Fee
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
1x points
17.99% to 24.99% variable
$0 annual fee for the first year ($95 thereafter)
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
Earn 50,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening - that's $750 toward travel when you redeem through Chase Ultimate Rewards®.
1x points
17.99% to 24.99% variable
$450
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
60,000 Membership Rewards® points after you use your new card to make $5,000 in purchases in your first 3 months.
1x points
None (Charge Card)
$550
Get 5x Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5x points on eligible hotels booked on amextravel.com. Rates & Fees
35,000 Membership Rewards® Points after you spend $2,000 on eligible purchases with your new card within the first 3 months.
1x points
See Rates & Fees
$250
35,000 bonus Membership Rewards® Points when you spend $2,000 in the first 3 months Rates & Fees
2x points
16.99% variable
$995
Earn 2x points when redeemed for airfare through the Luxury rewards program.

Compare up to 4 providers

What are metal credit cards?

Metal credit cards are standard credit cards made out of metal. Typically they also 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® Card

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

  • Earn 50K bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • Named "Best Premium Travel Credit Card" for 2018 by MONEY® Magazine
  • $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year
  • 3x points on travel immediately after earning your $300 travel credit
  • 3x points on dining at restaurants and 1 point per $1 spent on all other purchases
  • $0 foreign transaction fees
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select Up to $100 application fee credit for Global Entry or TSA Pre✓®
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The Chase Sapphire Reserve® is a metal card designed for those who travel often. Aside from its sleek appearance, you get to 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

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 years 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, don’t despair — 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’re giving your card and the entire information to strangers. In addition, your card could get swallowed by an ATM or your tap and pay feature may not work. Given the drawbacks, it may be better to stick with your plastic card until you can afford the upgrade.

How to destroy a metal credit card

You can try cutting it with tin snips or use a lighter to melt the plastic coating. But unless you’re doing it for fun, it may take a lot of your time and you may fail to destroy it anyway.

The safest, easiest and most painless way is to dispose of a metal credit card is to return it to the bank. When sending you 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 best deliver your card.

How to destroy a metal credit card

Is a metal credit card worth it?

Metal credit cards gained in 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 being of metal shouldn’t be your only criteria when choosing your card. 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 individuals. 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.

Frequently asked questions

Kliment Dukovski

Kliment Dukovski is a writer who specializes in global financial markets and personal finance, with a focus on credit cards. His main goal is to deliver honest and accurate information to help you make the right financial decision. When he's not writing about finance-related subjects, he writes sci-fi stories.

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