Compare metal credit cards for July 2022

Plastic? That's so 2019. Metal cards have finally reached UK shores, but the selection remains limited.

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 cards 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 make your peace with 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. See the metal prepaid card options below.

Compare metal credit cards

1 - 2 of 2
Name Product Max. intro bonus Default earn-rate Annual/monthly fees Representative APR Link Incentive Representative example
The Platinum Card
Finder Award
The Platinum Card
30,000 points
1 point per £1 spent
£575 per annum
N/A (this product is a charge card).
Check eligibility
Earn 30,000 Membership Rewards points when you spend £4,000 in your first 3 months of Cardmembership. Terms apply.
Yonder credit card
1 point per £1 spent
£0 for the first 3 months, £15 per month thereafter.
59.3% APR (variable)
Welcome offer: First 3 months free membership, thereafter £15 monthly membership fee, plus a sign-up reward of £50 at one of Yonder's partners. Terms apply.
Representative example: When you spend £1,200 at a purchase rate of 23.94% (variable) p.a. with a fee of £15 per month, your representative rate is 59.3% APR (variable).

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Approval for any credit card will depend 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.

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. Also, depending on which metal is used in their production, they could trigger airport metal detectors.

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 debit 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 and Santander.

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.

Metal prepaid cards

1 - 2 of 2
Name Product Account fees UK ATM fees Overseas card transaction fees Overseas ATM fees Incentive
£14.99 per month
£0, currency conversion charge of 0%
Free up to £600 per month, currency conversion charge of 0% on weekdays
Revolut Metal
Finder Award
£12.99 per month
Free up to £800 per month
£0, currency conversion charge of 0% Mon-Fri
Free up to £800 per month, currency conversion charge of 0% Mon-Fri
Earn 0.1% cashback, purchase discounted LoungeKey passes, get free lounge access for delayed flights and benefit from 3 free international transfers per month.

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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.

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