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Metal credit cards from major providers [Full list]

Make a statement when you make purchases.

Use our table to compare metal credit cards. Select up to four cards and hit "Compare" to see how their features stack up. You can also select "Show filters" to narrow your search to view products with perks you need most.

1 - 3 of 9
Name Product Welcome Offer Rewards Annual fee Filter values
Capital One Venture X Rewards Credit Card
75,000 miles after you spend $4,000 in your first 3 months of account opening
2x miles on every purchase, every day, 10x miles on hotels and rental cars booked through Capital One Travel, 10x miles when you book on Turo, the world’s largest car sharing marketplace, through May 16, 2023, 5x miles on flights booked through Capital One Travel
$395
Capital One's premium luxury travel card, featuring airport lounge access at Capital One Lounge and 1,300+ Priority Pass lounges.
Chase Sapphire Preferred® Card
60,000 points after spending $4,000 in the first 3 months
5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel
$95
Earn 60,000 points after spending $4,000 in the first 3 months. That's worth $750 when you redeem through Chase Ultimate Rewards.
Luxury Card Mastercard® Black Card™
N/A
1x points on all purchases with 2% point value when you redeem for airfare and 1.5% for cash back
$495
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
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Compare up to 4 providers

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®
  • Crystal® Visa Infinite® Credit Card
  • HSBC Elite Credit Card
  • IHG® Rewards 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

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 overall for travel

Chase Sapphire Reserve®

Finder rating 4.6 / 5 ★★★★★

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on Creditcards.com's secure site
Terms apply, see rates & fees
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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 cobranded hotel credit card

Marriott Bonvoy Brilliant™ American Express® Card

Finder rating 4.6 / 5 ★★★★★

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Terms apply, see rates & fees
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.

Best for premium travel

The Platinum Card® from American Express

Finder rating 4.4 / 5 ★★★★★

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Terms apply, see rates & fees
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, and the card even offers your choice of 3 metal designs.

Best store credit card

Amazon Prime Rewards Visa Signature Card

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Terms apply, see rates & fees
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 2022

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$695
Citi Prestige® Credit Card18g$495
Citi® / AAdvantage® Executive World Elite™ Mastercard®18g$450
HSBC Elite 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$650
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 Premier Credit Card13g$99 starting the second year
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.

Frequently asked questions

  • What are metal credit cards made of?
    There’s a variety of materials used in building metal cards, including brass, copper, stainless steel and even gold and palladium. Some cards are made from alloys, and the majority of metal credit cards are coated with plastic.
  • Is there a metal card with no annual fee?
    Yes, the Wells Fargo Propel American Express® Card and the Amazon Rewards Visa Signature Card have no annual fee.

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