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How to Destroy a Metal Credit Card

How to Destroy a Metal Credit Card

*Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any credit card issuer. This site may be compensated through a credit card issuer partnership.

This article was last updated Mar 14, 2019. Terms and conditions may have changed. For the most accurate information, please consult 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:

  • 60,000 bonus points

  • 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide

  • 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

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®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • 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
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Earn 5X points on Lyft rides through March 2022. That's 3X points in addition to the 2X points you already earn on travel.

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.

  • One Year Complimentary Lyft Pink ($199 minimum value). Complimentary DashPass subscription from DoorDash after activating by 12/31/21.

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®
  • $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✓®
  • One Year Complimentary Lyft Pink ($199 minimum value). Complimentary DashPass subscription from DoorDash after activating by 12/31/21.

See additional details for Chase Sapphire Reserve®

More Info

 

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


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