Compare metal credit cards for 2024

Plastic? That's so last year. Metal cards have finally reached UK shores, but the selection remains limited.

Compare metal credit cards

1 - 2 of 2
Name Product Finder Score Finder score Max. intro bonus Default earn-rate Annual/monthly fees Representative APR Link Incentive Representative example
Yonder Credit Card
Finder Award
Yonder Credit Card
4.5
★★★★★
★★★★★
Expert analysis
10,000 points
5 points per £1 spent
1 month for £0, £15 per month thereafter
66.7% APR (variable)
Check eligibility
First month free for new members, £15 p/m thereafter. Plus, 10,000 bonus points. Earn 5 points per £1 spent and up to 25 points per £1 at selected partners. Membership includes worldwide travel insurance, no FX fees and use your points towards any flight.
Representative example: When you spend £1,200 at a purchase rate of 29.94% (variable) p.a. with a fee of £15 per month, your representative rate is 66.7% APR (variable).
The Platinum Card® by American Express
4.0
★★★★★
★★★★★
Expert analysis
40,000 points
1 point per £1 spent
£650 per annum
704.6% APR (variable)
Check eligibility
New Cardmembers earn 40,000 Membership Rewards® points + £400 Amex Travel Credit + A chance to win tickets to the 2025 Wimbledon Championships, when you spend £6,000 in your first 3 months of Cardmembership. Offer ends 27 August 2024. Terms Apply. 18+, subject to status.
Representative example: When you spend £1,200 at a purchase rate of 31.0% (variable) p.a. with a fee of £650 per annum, your representative rate is 704.6% APR (variable).
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Approval for any credit card depends on your status. The representative APRs shown represent the interest rate offered to most successful applicants. Depending on your personal circumstances, the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow. Most of the data in Finder's comparison tables is provided by Moneyfacts.

Poor old plastic seems to be Public Enemy No.1 right now. Meanwhile, new challenger banks are fighting it out with the incumbent giants and everybody’s trying to stand out with the most garish and best looking credit cards. Cards with no numbers on them, cards that are portrait not landscape… It’s like being back at school, where your pencil case was a crucial part of your identity.

But for the ultimate in style, luxury and durability, surely it has to be metal. Aside from being a head-turner when you use it, chances are a metal credit card will come with generous rewards and travel perks.

It all comes at a cost though: you’ll need to pay an annual or monthly account fee, and that means weighing up just how badly you want to look the bee’s knees.

Sadly, right now, your options are pretty restricted when it comes to metal credit cards in the UK, but Revolut and others offer perk-laden prepaid cards that are as metal as horseshoes.

What are metal credit cards?

Metal credit cards are genuinely made of metal – typically stainless steel or another alloy. These cards tend to offer rewards and perks such as loyalty points or airport lounge access.

Is a metal credit card worth it?

Getting serious for a second, the physical make-up of your card shouldn’t be your main concern.

Like almost all credit cards, if you don’t carry a balance from month to month, you’ll avoid interest altogether, thanks to the interest-free grace period on purchases. But when you do carry a balance on a rewards card, what you pay in interest almost always outweighs any rewards you earn. If there’s a monthly/annual fee, you should try to put a value on the rewards and benefits that you’ll realistically use, to decide if it’s a smart choice.

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. They could also, depending on the type of metal used, set off airport metal dectors when passing through security.

Where can I get a solid gold credit card?

Well, if you don’t mind shelling out £18,750 for one, then the Royal Mint has teamed up with Mastercard and the payments tech outfit Accomplish Financial to bring you the “Raris” card – an 18-carat golddebit card. It’s built on a World Elite account and comes with the perk/consolation of fee-free spending abroad. If the price tag on the Raris card puts you off, then you could still consider the not-gold-but-still-exceedingly-premium World Elite Mastercards from HSBC, Santander, Lloyds or Halifax.

How do you destroy a metal credit card?

If you need to destroy your metal card after you close the account, cutting it with tin snips or melting it could work, but could take more time than necessary or burn your house down.

Mailing it back to the bank is a safe option. If you’re getting a replacement card, some banks will send you a return envelope for your old card. If yours doesn’t, you could call it and ask how to return the card or dispose of it.

What is a charge card?

With a charge card, you won’t be able to carry an outstanding balance from month to month – you’ll need to pay off your spending each statement cycle, and in return won’t be charged interest (although there may be an account fee).

Bottom line

If a particular credit card isn’t a good fit for you, it doesn’t really matter if it’s metal or plastic. If none of the cards here look appealing to you, check out our comparisons and reviews of all UK rewards, frequent flyer and cashback credit cards to find an alternative.

Finder survey: Which of the following would impress you most?

Response% of respondents
A transparent credit card16.00%
A retro credit card12.00%
A personalised credit card20.00%
A neon credit card8.00%
A metal credit card14.00%
A gold credit card18.00%
A black credit card12.00%
Source: Finder survey by Finder of Finder members

OR… try a metal prepaid card

Name Product Account fees UK ATM fees Overseas card transaction fees Overseas ATM fees Incentive
£14.99 per month
Free
£0, currency conversion charge of 0%
Free up to £600 per month, currency conversion charge of 0% on weekdays
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Frequently asked questions

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
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Chris Lilly is Head of publishing at finder.com. He's a specialist in personal finance, from day-to-day banking to investing to borrowing, and is passionate about helping UK consumers make informed decisions about their money. In his spare time Chris likes forcing his kids to exercise more. See full bio

Chris's expertise
Chris has written 611 Finder guides across topics including:
  • Loans & credit cards
  • Building credit
  • Financial health

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