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How to Destroy a Metal Credit Card

How to Destroy a Metal Credit Card

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This article was last updated Mar 14, 2019, 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.

Trying to cut up your metal credit card, but not having any luck?

A metal card won’t simply snap with a pair of scissors or fragment easily in a shredder. There have been various Reddit threads and FICO forums where cardholders shared tales of torching metal cards, throwing them in the fire, or using pliers to cut them up — with little success.

So, how can you destroy a metal credit card once you’ve canceled the account or received a replacement, and keep it out of the hands of thieves?

Well, there’s often a simple and low-risk method to destroy a metal card: ask for a prepaid envelope from your card issuer.

Most card issuers that offer metal cards will send you a prepaid envelope upon request to mail your card back to them or when they mail out a replacement metal card when your existing card expires. They will then dispose of your card in a safe manner. An alternative may be to bring the card to the issuing bank or use a commercial shredder, but if you don’t have easy access to either, it can be more of a hassle than requesting a prepaid envelope.

History of metal credit cards

Metal cards were first introduced by American Express® in 1999 with the debut of the Centurion card. This luxury card already had an exclusive status since it’s invite-only, but Amex elevated the hype by choosing to make the card out of titanium.

In recent years, metal cards have become increasingly popular and less exclusive. Many card issuers enhance the design of their cards by using titanium, stainless steel and embedded metals. There are even no or low annual fee metal cards available, such as the Amazon Prime Rewards Visa Signature Card* ($0) and Chase Sapphire Preferred® Card* ($95).

Did you know? Chase temporarily ran out of the metal required to make the Chase Sapphire Reserve® in 2016, after a successful marketing campaign.

Metal cards have somewhat become a status-symbol for many cardholders. These cards are noticeably heavier and sturdier than flimsy plastic cards and can even be a conversation starter when splitting a bill.

While metal cards can be fun to use, you shouldn’t choose a card just because it’s made of metal. The benefits and terms of the card should be in line with your spending habits — the material the card is made of should be the last thing you consider.

Popular metal credit cards

Major card issuers, such as American Express, Chase and Capital One, offer metal credit cards with a variety of benefits beyond a metal composition. Most metal cards are geared towards frequent travelers and have annual fees upwards of $500, but there are a few low-cost options. Here are some popular metal cards:

  • 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

More Info

  • 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

More Info

  • 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®

More Info

  • 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

More Info

*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.


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