Compare metal credit cards for November 2019

Plastic? That's so 2018. Metal cards have finally reached UK shores, but the selection remains limited.

Last updated:

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, 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 N26 and others offer perk-laden prepaid cards that are as metal as horseshoes.

Compare metal credit cards

Updated November 21st, 2019
Name Product Max. intro bonus Default earn-rate Annual/monthly fees Rep. APR Incentive Representative example
30,000 points
1 point per £1 spent
£575 per annum
N/A (this product is a charge card).
1 point earned for virtually every £1 spent. Additional 30,000 points earned when you spend £4K within first three months of Cardmembership. Earn 1 additional point for virtually every £1 spent at American Express Travel Online. Rewards points can be used as currency to buy flights and package holidays through Platinum Service. Reward points can also be redeemed for a wide range of products, experiences, travel and hotel stays. Cardmember can pay card fee (£575) using Membership Rewards® points at renewal. Earn 12,000 bonus points per friend/family that uses Referral Programme and successfully applies for a card and spends £4K within first 3 months of Cardmembership.

Compare up to 4 providers

Approval for any credit card will depend on your status. The APR shown represents 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.

N26 Metal

N26 Metal: A debit card made of stainless steel

  • Take control of your finances with one app
  • Manage everything directly in the N26 app
  • Exclusive offerings as a premium account holder
  • Make no-fee transactions anywhere in the world
Promoted

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 generally 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 attached, 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.

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 appealing alternative.

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.

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site