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Best Metal Credit Cards

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This article was last updated Sep 20, 2018, but some terms and conditions may have changed or are no longer available. For the most accurate and up to date information please consult the terms and conditions found on the issuer website.

Metal credit cards have turned into the latest credit card status symbol because they’re considered exclusive — although not entirely restricted — to high spenders. Most metal credit cards require good or excellent credit, so you won’t see a card for bad credit made of metal. The fact that you need stellar credit to nab a metal card likely adds to the allure of qualifying for one.

American Express launched the first metal card in 1999. In the past, metal cards were scarce and reserved for luxury cards, but in recent years, there has been an increase in the number of banks issuing metal cards. And, metal cards are no longer just for people who can afford high annual fees. There are now metal cards with low annual fees — and even a few cards with no annual fees.

So, what exactly is your metal card made of? It depends. The materials used vary by issuer and may include titanium, stainless steel, and other metals. Regardless of the material, metal cards are much sturdier than plastic cards and have a heavier weight.

While you shouldn’t open a credit card just because it’s made of metal, it is a nice perk if the card’s terms and benefits suit your needs. We’ve rounded up the best metal credit cards below so you can find the best metal credit card for you.

Best $0 annual fee metal card: Amazon Prime Rewards Visa Signature Card

This card has a $0 annual fee — though you’ll need an active Prime membership to receive the card (currently $119 a year, or $12.99 a month). If you’re a current Prime member, this card is a no-brainer since you can benefit from 5% back at Amazon.com and Whole Foods Market, 2% back at restaurants, gas stations and drugstores, 1% back on all other purchases. Plus, cardholders can take advantage of Visa Signature® benefits including lost luggage reimbursement, travel accident insurance, the Visa Signature® Luxury Hotel Collection and more.

What the card is made of: All Chase metal credit cards consist of a “proprietary mix of embedded metals” according to a Chase spokesperson.

Read our review of the Amazon Prime Rewards Visa Signature Card.

The information related to the Amazon Prime Rewards Visa Signature Card has been collected by CompareCards and has not been reviewed or provided by the issuer of this card prior to publication.

Best travel metal card: Chase Sapphire Preferred® Card

  • 60,000 bonus points

  • 2X points on travel and dining

  • 1:1 point transfer to leading airline and hotel loyalty programs

Highlights
  • Earn 60,000 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®
  • Chase Sapphire Preferred named "Best Credit Card for Flexible Travel Redemption" - Kiplinger's Personal Finance, June 2018
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards

See additional details for Chase Sapphire Preferred® Card

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Chase Sapphire Preferred® Card cardholders earn 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide. This card has a standout perk where points are worth 25% more value when redeemed for travel (airfare, hotels, car rentals, etc.) through the Chase Ultimate Rewards® website. Redeeming via the Chase Ultimate Rewards® website is a great way to maximize the value of your points. Other perks include travel and purchase insurances, auto rental damage collision waiver, travel, and emergency assistance services and more. There is an annual fee of $95, but it’s much lower compared with luxury travel cards like the Chase Sapphire Reserve®’s $450 annual fee.

Read our review of the Chase Sapphire Preferred® Card.

Best luxury travel metal card: Chase Sapphire Reserve®

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees.

  • $300 Annual Travel Credit, Airport Lounge Access, and Flexible Redemption Options

Highlights
  • Earn 50,000 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 & 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✓®

See additional details for Chase Sapphire Reserve®

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The Chase Sapphire Reserve® is a luxury travel card that really shines with its rewards program, specifically the extra value for travel redemptions. You earn 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees. Points are worth 50% more value when you redeem for travel (airfare, hotels, car rentals, etc.) via Chase Ultimate Rewards®. That’s double the amount of the Chase Sapphire Preferred® Card mentioned earlier. Added perks include an annual $300 travel credit, travel, and purchase insurances, up to $100 application fee credit for Global Entry or TSA PreCheck and more. This card does have a $450 annual fee, but taking advantage of the annual $300 travel credit reduces it to an effective $150 annual fee.

Read our review of the Chase Sapphire Reserve®.

Best business metal card: The Business Platinum® Card from American Express

  • Earn up to 75,000 Membership Rewards® points*

  • Complimentary access to over 1000+ airport lounges*

  • Get 50% more Membership Rewards® points. That's 1.5 points per dollar, on each eligible purchase of $5,000 or more*

Highlights
  • Welcome Offer: Earn up to 75,000 Membership Rewards® points.
  • Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 25,000 points after you spend an additional $10,000 all on qualifying purchases within your first 3 months of Card Membership.
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • Get 50% more Membership Rewards® points. That's 1.5 points per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
  • 35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year.
  • Enroll to get up to $200 in statement credits annually by getting up to $100 semi-annually for U.S. purchases with Dell. Terms apply.
  • Get one year of Platinum Global Access from WeWork. With this membership, you can access 300+ premium, inspiring workspaces in 75+ cities. To get this exclusive offer, enroll between 2/15/2019 and 12/31/2019.
  • See Rates & Fees

See additional details for The Business Platinum® Card from American Express

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The Business Platinum® Card from American Express does come with a high $595 annual fee, but if you take full advantage of all the card’s perks, the fee can be worth it. Some of the perks include an annual $200 airline fee credit, up to $100 application fee credit for Global Entry or TSA PreCheck, 35% airline bonus on eligible fares and numerous others. This card is especially helpful if your business travels often since the rewards are ideal for travelers: 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com and 1.5 Membership Rewards® points per dollar on each eligible purchase of $5,000 or more.

What the card is made of: The Business Platinum® Card from American Express is made of stainless steel, according to an Amex spokesperson.

Read our review of The Business Platinum® Card from American Express.

Other metal cards to consider

  • One-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel

  • 2 Miles per dollar on every purchase, every day

  • Earn unlimited 10x miles on hotels when you pay with your Venture card at hotels.com/venture

Highlights
  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn 2X miles on every purchase, every day. Plus earn 10X miles on thousands of hotels, through January 2020; learn more at hotels.com/venture
  • Named 'The Best Travel Card' by CNBC, 2018
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Fly any airline, stay at any hotel, anytime; no blackout dates. Plus transfer your miles to over 12 leading travel loyalty programs
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $95 after that

See additional details for Capital One® Venture® Rewards Credit Card

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  • 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.*

  • Up to $200 per calendar year in baggage fees & more at one qualifying airline*

  • No foreign transaction fees & exclusive airport lounge access*

Highlights
  • 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.
  • See Rates & Fees

See additional details for The Platinum Card® from American Express

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