Best Credit CardsMetal
Selected from 1,500+ credit cards for September 2024
Updated Sep 12, 2024Fact checked
By:John Kiernan, Credit Card Editor
|Sep 12, 2024
Reviewed by:Alina Comoreanu, Senior Researcher
Fact checked
Metal credit cards are seen as a status symbol by many people because credit cards made of metal usually require good or excellent credit for approval and are geared to high-spending frequent travelers. Despite this exclusivity, metal credit cards are available from several major credit card companies.... show more
5 Best Metal Credit Cards (September 2024)
- Capital One Venture X Rewards Credit Card: Winner
- The Platinum Card® from American Express:Lounge Access
- Chase Sapphire Preferred® Card:Initial Bonus
- Chase Sapphire Reserve®:Annual Travel Credit
- The Business Platinum Card® from American Express:Business
WalletHub tracks 1,500+ credit cards (other sites only consider a much smaller number of cards, so they naturally miss a lot of great cards)
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WalletHub has 15+ years of credit card experience (other sites simply don’t have the same expertise)
WalletHub's best credit card picks and ratings are completely independent and not provided, commissioned, or endorsed by any issuer. In addition, our editors follow a strict editorial policy. Some offers may come from WalletHub's advertising partners.WalletHub independently collected information forsome of the cards on this page.
WINNER
Best Metal Credit Card Overall
4.2WalletHub Rating
WalletHub Rating
4.2
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Earn Rewards"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
4.8
User Reviews
3.3
Market Comparison
4.2
fees: 1.3
rewards: 4.8
cost: 4.7
Other Features: 5.0
Regular APR
19.99% - 29.99% (V)
Annual Fee
$395
Rewards Rate
2 - 10 miles / $1
Bonus Offer
75,000 miles
Accepted Credit
Excellent
Regular APR
19.99% - 29.99% (V)
Annual Fee
$395
Rewards Rate
2 - 10 miles / $1
Bonus Offer
75,000 miles
Accepted Credit
Excellent
Editors’ Thoughts
Why We Like It: The best metal credit card is the Capital One Venture X Rewards Credit Card because it has a lot of substance to back up its sleek appearance. The Venture X Card offers 2 - 10 miles per $1 on purchases along with a big initial bonus: 75,000 miles for spending $4,000 in the first 3 months. Cardholders are also eligible for hundreds of dollars in statement credits each year, plus benefits such as airport lounge access and a credit to pay the application fee for TSA PreCheck or Global Entry.
What We Don’t Like:If you don’t travel much, you’re unlikely to get enough value from this card to make paying its annual fee worthwhile.
Who Should Get It:You need to be a big-spending frequent traveler to take full advantage of the Venture X Card’s perks and make its $395 annual fee worth paying. You also need excellent credit. Assuming you check those boxes, you can save a ton of money and travel in style.
Pros, Cons & More Details
Pros, Cons & Details
METAL CREDIT CARDS WITH A LOW ANNUAL FEE
Best Metal Credit Card for Travel Rewards
3.9WalletHub Rating
WalletHub Rating
3.9
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Earn Travel Rewards"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
5.0
User Reviews
3.8
Market Comparison
3.7
fees: 3.3
rewards: 4.0
cost: 3.8
Other Features: 0.0
Regular APR
19.99% - 29.99% (V)
Annual Fee
$95
Rewards Rate
2 - 5 miles / $1
Bonus Offer
75,000 miles
Accepted Credit
Excellent, Good
Regular APR
19.99% - 29.99% (V)
Annual Fee
$95
Rewards Rate
2 - 5 miles / $1
Bonus Offer
75,000 miles
Accepted Credit
Excellent, Good
Editors’ Thoughts
Why We Like It:The Capital One Venture Rewards Credit Card is one of the best travel rewards cards for people with good credit who don’t spend enough to justify paying a big annual fee. In addition to a reasonable annual fee of $95, Capital One Venture has no foreign transaction fee and offers 2 - 5 miles per $1 on purchases. New cardholders can also earn 75,000 miles for spending $4,000 in the first 3 months.
When you further consider that cardholders can redeem miles to pay for any travel-related purchase charged to the account, it’s clear why Capital One Venture is not only one of the best metal cards but also one of the best credit cards overall. For a bit of background, Capital One Venture switched from plastic to metal on Feb. 15, 2017. A metal card is now the default for newly approved Capital One Venture Card applicants.
What We Don’t Like:This card is not a good option for carrying a balance from month to month.
Who Should Get It:Consider applying for the Capital One Venture Card if you have good credit and like to travel.
Pros, Cons & More Details
Pros, Cons & Details
Best Metal Credit Card for Bonus Travel
4.1WalletHub Rating
WalletHub Rating
4.1
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Earn Travel Rewards"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
5.0
User Reviews
3.9
Market Comparison
4.0
fees: 3.3
rewards: 4.0
cost: 4.0
Other Features: 5.0
Regular APR
21.49% - 28.49% (V)
Annual Fee
$95
Rewards Rate
1 - 5 points / $1
Bonus Offer
60,000 points
Accepted Credit
Excellent, Good
Regular APR
21.49% - 28.49% (V)
Annual Fee
$95
Rewards Rate
1 - 5 points / $1
Bonus Offer
60,000 points
Accepted Credit
Excellent, Good
Editors’ Thoughts
Why We Like It: The Chase Sapphire Preferred® Card is one of the best metal credit cards for bonus travel rewards.Chase Sapphire Preferred gives you a great deal early on, offering 60,000 bonus points – worth $750 in travel redeemed through Chase – for spending $4,000 within 3 months of account opening. And it also gives 5 points per $1 spent on travel purchased through Chase, 2 points per $1 on all other travel purchases, 3 points per $1 on dining and online grocery purchases, 3 points per $1 on select streaming services, and 1 point per $1 on all other purchases.
Chase Sapphire Preferred points are worth 1.25 cents each when redeemed for Chase travel and 1 cent apiece with most other redemption methods, such as a statement credit.
What We Don’t Like:This card charges a $95 annual fee and has a high APR.
Who Should Get It:Apply for Chase Sapphire Preferred if you have good credit or better and spend enough to qualify for its initial bonus. You can learn more from WalletHub’s full Chase Sapphire Preferred Review.
Pros, Cons & More Details
Pros, Cons & Details
Best Metal Credit Card for Online Shopping
4.1WalletHub Rating
WalletHub Rating
4.1
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Earn Rewards (Store Cards)"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
4.2
Market Comparison
4.1
fees: 5.0
rewards: 4.0
cost: 4.1
Other Features: 0.0
Regular APR
20.49% - 29.24% (V)
Annual Fee
$0
Rewards Rate
1 - 5% Cash Rewards
Bonus Offer
$100 Amazon gift card
Accepted Credit
Excellent, Good
Regular APR
20.49% - 29.24% (V)
Annual Fee
$0
Rewards Rate
1 - 5% Cash Rewards
Bonus Offer
$100 Amazon gift card
Accepted Credit
Excellent, Good
Editors’ Thoughts
Why We Like It:The Prime Visa is the best metal credit card for online shopping because it offers 5% back at Amazon.com, Amazon Fresh, Whole Foods Market with an eligible Prime membership, 5% back on Chase Travel purchases, 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare), as well as 1% back on all other purchases. Plus, there is no annual fee, and new cardholders get a $100 Amazon Gift Card instantly upon approval.
What We Don’t Like:The Prime Visa has a high regular APR, and Prime membership is not included in the offer.
Who Should Get It:Consider applying for the Prime Visa if you're a Prime member with good credit who frequently makes purchases from Amazon and Whole Foods.
Pros, Cons & More Details
Pros, Cons & Details
Best Metal Credit Card for Apple Purchases
2.8WalletHub Rating
WalletHub Rating
2.8
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Earn Rewards (Store Cards)"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
3.5
User Reviews
3.3
Market Comparison
2.7
fees: 5.0
rewards: 1.8
cost: 2.7
Other Features: 0.0
Purchase intro APR
0% for 6 - 24 months
Regular APR
19.24% - 29.49% (V)
Annual Fee
$0
Rewards Rate
1 - 3% Cash Back
Accepted Credit
Excellent, Good
Purchase intro APR
0% for 6 - 24 months
Regular APR
19.24% - 29.49% (V)
Annual Fee
$0
Rewards Rate
1 - 3% Cash Back
Accepted Credit
Excellent, Good
Editors’ Thoughts
Why We Like It:The Apple Card gives 2% cash back on Apple Pay transactions, 3% back on purchases made directly with Apple, and 1% back on everything else. It also has no fees. The physical card is made of titanium.
What We Don’t Like:This card is likely to have a high APR, and its non-Apple rewards aren’t great.
Who Should Get It:Consider applying for the Apple Card if you frequently use Apple Pay and spend a lot on various types of Apple purchases. Applicants need at least good credit for approval.
Pros, Cons & More Details
Pros, Cons & Details
Best Metal Credit Card for Dining Rewards
4.0WalletHub Rating
WalletHub Rating
4.0
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Earn Rewards"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
4.0
User Reviews
3.6
Market Comparison
4.0
fees: 5.0
rewards: 3.8
cost: 4.3
Other Features: 0.0
Purchase intro APR
0% for 12 billing cycles
Transfer intro APR
0% for 12 billing cycles
Transfer Fee: 3% (min $5)
Regular APR
18.24% - 29.24% (V)
Annual Fee
$0
Rewards Rate
1 - 4 points / $1
Bonus Offer
20,000 points
Accepted Credit
Excellent
Purchase intro APR
0% for 12 billing cycles
Transfer intro APR
0% for 12 billing cycles
Transfer Fee: 3% (min $5)
Regular APR
18.24% - 29.24% (V)
Annual Fee
$0
Rewards Rate
1 - 4 points / $1
Bonus Offer
20,000 points
Accepted Credit
Excellent
Editors’ Thoughts
Why We Like It:TheU.S. Bank Altitude® Go Visa Signature® Card is the best metal credit card for people who dine out a lot. It has a $0 annual fee and offers 4 points per $1 spent on takeout, food delivery and dining, 2 points per $1 spent at grocery stores, grocery delivery and gas stations (discount stores/supercenters and wholesale clubs excluded), 2 points per $1 spent on streaming services, as well as 1 point per $1 spent on all other purchases. Plus, cardholders get an initial bonus of 20,000 points for spending $1,000 in the first 90 days.
U.S. Bank Altitude Go also offers an introductory APR of 0% for 12 billing cycles on purchases and balance transfers.
What We Don’t Like:U.S. Bank Altitude Go requires excellent credit for approval. It also has a regular APR of 18.24% - 29.24% (V) and a transfer fee of 3% (min $5).
Who Should Get It:Consider applying for U.S. Bank Altitude Go if you have excellent credit and the bonus rewards suit your spending habits.
Pros, Cons & More Details
Pros, Cons & Details
Best New Metal Credit Card
4.3WalletHub Rating
WalletHub Rating
4.3
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Earn Rewards"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Market Comparison
4.3
fees: 5.0
rewards: 3.4
cost: 5.0
Other Features: 0.0
Regular APR
19.99% - 29.99% (V)
Annual Fee
$0
Rewards Rate
3 - 5 points / $1
Accepted Credit
Excellent
Regular APR
19.99% - 29.99% (V)
Annual Fee
$0
Rewards Rate
3 - 5 points / $1
Accepted Credit
Excellent
Editors’ Thoughts
Why We Like It:The Robinhood Credit Card offers 5 points per $1 spent on Robinhood travel portal and 3 points per $1 spent on all other purchases. Plus, there is no annual fee, foreign fee, or balance transfer fee.
What We Don’t Like:The Robinhood Credit Card has a high regular APR, and you must have a Robinhood Gold subscription to apply (costs up to $75 per year).
Who Should Get It:Consider reserving a spot for the Robinhood Credit Card if you are a Robinhood Gold member, you have excellent credit and the card’s rewards suit your needs. If you reserve your spot, you can get an invite when the card is made available.
Pros, Cons & More Details
Pros, Cons & Details
METAL CREDIT CARDS FOR BIG SPENDERS
Best Metal Credit Card Overall
4.2WalletHub Rating
WalletHub Rating
4.2
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Earn Rewards"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
4.8
User Reviews
3.3
Market Comparison
4.2
fees: 1.3
rewards: 4.8
cost: 4.7
Other Features: 5.0
Regular APR
19.99% - 29.99% (V)
Annual Fee
$395
Rewards Rate
2 - 10 miles / $1
Bonus Offer
75,000 miles
Accepted Credit
Excellent
Regular APR
19.99% - 29.99% (V)
Annual Fee
$395
Rewards Rate
2 - 10 miles / $1
Bonus Offer
75,000 miles
Accepted Credit
Excellent
Editors’ Thoughts
Why We Like It: The best metal credit card is the Capital One Venture X Rewards Credit Card because it has a lot of substance to back up its sleek appearance. The Venture X Card offers 2 - 10 miles per $1 on purchases along with a big initial bonus: 75,000 miles for spending $4,000 in the first 3 months. Cardholders are also eligible for hundreds of dollars in statement credits each year, plus benefits such as airport lounge access and a credit to pay the application fee for TSA PreCheck or Global Entry.
What We Don’t Like:If you don’t travel much, you’re unlikely to get enough value from this card to make paying its annual fee worthwhile.
Who Should Get It:You need to be a big-spending frequent traveler to take full advantage of the Venture X Card’s perks and make its $395 annual fee worth paying. You also need excellent credit. Assuming you check those boxes, you can save a ton of money and travel in style.
Pros, Cons & More Details
Pros, Cons & Details
Best Metal Card with Airport Lounge Access
2.6WalletHub Rating
WalletHub Rating
2.6
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Earn Travel Rewards"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
3.0
User Reviews
3.8
Market Comparison
2.5
fees: 1.3
rewards: 3.9
cost: 1.8
Other Features: 5.0
Terms Apply|
Regular APR
See Pay Over Time APR
Annual Fee
$695
Rewards Rate
1 - 5 points / $1
Bonus Offer
80,000 points
Accepted Credit
Excellent, Good
Regular APR
See Pay Over Time APR
Annual Fee
$695
Rewards Rate
1 - 5 points / $1
Bonus Offer
80,000 points
Accepted Credit
Excellent, Good
Editors’ Thoughts
Why We Like It:The Platinum Card® from American Express is a heavy metal card with attractive perks for frequent travelers who prefer luxury accommodations.This card gives complimentary access to the American Express Centurion airport lounge network, for one thing. Cardholders can also earn an initial bonus of 80,000 points for spending $8,000 in the first 6 months, plus 1 - 5 points per $1 spent on purchases normally.
On top of all that, the American Express Platinum card offers annual statement credits for things like hotel stays, airline fees, and CLEAR membership dues.
What We Don’t Like:You’ll need to use this card regularly to get your money’s worth, considering its annual fee ($695). Plus, it’s not good for financing.
Who Should Get It:Consider applying for the American Express Platinum card if you have good credit and the card’s rewards and perks match up well with your spending and travel habits.
Pros, Cons & More Details
Pros, Cons & Details
Best Metal Card From American Express
2.2WalletHub Rating
WalletHub Rating
2.2
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Earn Rewards"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
3.8
User Reviews
3.8
Market Comparison
1.8
fees: 1.3
rewards: 2.4
cost: 1.8
Other Features: 0.0
Terms Apply|
Regular APR
See Pay Over Time APR
Annual Fee
$325
Rewards Rate
1 - 4 points / $1
Bonus Offer
60,000 points + earn up to $100 back
Accepted Credit
Excellent, Good
Regular APR
See Pay Over Time APR
Annual Fee
$325
Rewards Rate
1 - 4 points / $1
Bonus Offer
60,000 points + earn up to $100 back
Accepted Credit
Excellent, Good
Editors’ Thoughts
Why We Like It:The American Express Gold Card isn’t actually made of gold, but this metal card does offer plenty of rewards.Those who spend $6,000 within 6 months of opening an account also earn 60,000 bonus points, plus 20% back in statement credits on eligible purchases made at restaurants worldwide within the first 6 months after opening an account, up to $100 back (limited-time offer ending on 11/6/24). And those perks are accompanied by some attractive ongoing earning rates.
The Amex Gold Card gives 4 points per $1 at U.S. supermarkets (up to $25,000 spent per year), 4 points per $1 at restaurants worldwide (up to $50,000 spent per year), 3 points per $1 on flights booked directly with airlines or on AmexTravel.com, 2 points per $1 spent on prepaid hotels and other eligible purchases booked on AmexTravel.com, as well as 1 point per $1 on all other eligible purchases. Plus, there are dining credits of up to $120 available each year (up to $10 per month) for enrolled cardholders to use at participating locations, and some other extra perks.
What We Don’t Like:The Amex Gold Card charges a $325 annual fee. You should also be aware that Amex Gold is a hybrid card. You can only carry a balance from month to month on certain purchases.
Who Should Get It:Consider applying for the Amex Gold Card if you plan on paying for most purchases in full by the due date and the card’s rewards complement your spending habits. For more info, check out WalletHub’s American Express Gold Card review.
Pros, Cons & More Details
Pros, Cons & Details
Best Metal Credit Card for Hotel Rewards
3.6WalletHub Rating
WalletHub Rating
3.6
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Earn Hotel Rewards"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
4.5
User Reviews
3.9
Market Comparison
3.4
fees: 1.3
rewards: 4.8
cost: 3.0
Other Features: 5.0
Terms Apply|
Regular APR
20.99% - 29.99% (V)
Annual Fee
$650
Rewards Rate
2 - 6 points / $1
Bonus Offer
185,000 points
Accepted Credit
Excellent, Good
Regular APR
20.99% - 29.99% (V)
Annual Fee
$650
Rewards Rate
2 - 6 points / $1
Bonus Offer
185,000 points
Editors’ Thoughts
Why We Like It:It’s made of metal, but the Marriott Bonvoy Brilliant® American Express® Card can help you earn a lot of plastic, with all the free room keys you’ll rack up. Most notably, you can earn 185,000 Marriott Bonvoy bonus points after spending $6,000 in the first 6 months. The bonus is worth about $1,536 according to our calculations. You’ll also get a free night every year after your account anniversary, when you renew your card.
What We Don’t Like: This card charges a $650 annual fee.
Who Should Get It:Consider applying for this card if you’re a big-spender who stays at Marriott hotels very frequently.
Pros, Cons & More Details
Pros, Cons & Details
Best Metal Airline Credit Card
2.9WalletHub Rating
WalletHub Rating
2.9
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Earn Travel Rewards"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
3.5
User Reviews
3.8
Market Comparison
2.7
fees: 2.1
rewards: 1.2
cost: 4.0
Other Features: 0.0
Terms Apply|
Regular APR
20.99% - 29.99% (V)
Annual Fee
$350
Rewards Rate
1 - 3 miles / $1
Bonus Offer
90,000 miles
Accepted Credit
Excellent, Good
Regular APR
20.99% - 29.99% (V)
Annual Fee
$350
Rewards Rate
1 - 3 miles / $1
Bonus Offer
90,000 miles
Accepted Credit
Excellent, Good
Editors’ Thoughts
Why We Like It: The Delta SkyMiles® Platinum American Express Card is made of stainless steel and offers great rewards. For starters, there’s an initial bonus offer of 90,000 miles after spending $4,000 in the first 6 months. Plus, cardholders earn 1 - 3 miles per $1 spent on purchases normally, with Delta purchases and purchases made directly through hotels providing the highest rewards rate.
There are plenty of other perks to help make the card worthwhile, too. They include an annual companion ticket, and free checked bags, among other benefits.
What We Don’t Like: This card has a $350 annual fee.
Who Should Get It:Consider applying for this card if you have good credit and you’ll be able to get well over $350 in value from its rewards and benefits each year.
Alternatively, the Delta SkyMiles® Reserve American Express Card allows applicants to choose from two design options: a standard metal card or a card made from 70% recycled plastic.
Pros, Cons & More Details
Pros, Cons & Details
Best Metal Credit Card for Annual Travel Credit
3.7WalletHub Rating
WalletHub Rating
3.7
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Earn Travel Rewards"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
4.4
User Reviews
3.3
Market Comparison
3.6
fees: 1.3
rewards: 4.4
cost: 4.0
Other Features: 0.0
Regular APR
22.49% - 29.49% (V)
Annual Fee
$550
Rewards Rate
1 - 10 points / $1
Bonus Offer
60,000 points
Accepted Credit
Excellent
Regular APR
22.49% - 29.49% (V)
Annual Fee
$550
Rewards Rate
1 - 10 points / $1
Bonus Offer
60,000 points
Accepted Credit
Excellent
Editors’ Thoughts
Why We Like It:This metal credit card made a big splash when it hit the market in August 2016, and it’s still rewarding cardholders wherever their travels take them. Those rewards come in the form of a hefty initial bonus, a $300 annual travel credit, ongoing earnings for every dollar you spend, and benefits such as airport lounge access. Sapphire Reserve covers your membership in Priority Pass Select, which lets you enjoy 1,000+ airport lounges around the world.
What We Don’t Like:Sapphire Reserve’s $550 annual fee may give you a bit of sticker shock.
Who Should Get It:Consider applying for Chase Sapphire Reserve if you have excellent credit and spend thousands of dollars on travel each year. You can get the complete picture from WalletHub’s Chase Sapphire Reserve Review.
Pros, Cons & More Details
Pros, Cons & Details
Best Metal Credit Card for Luxury Travel Perks
3.7WalletHub Rating
WalletHub Rating
3.7
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Earn Travel Rewards"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
4.2
Market Comparison
3.6
fees: 2.1
rewards: 4.1
cost: 4.0
Other Features: 0.0
Regular APR
22.24% - 29.24% (V)
Annual Fee
$400
Rewards Rate
1 - 5 points / $1
Bonus Offer
50,000 points
Accepted Credit
Excellent
Regular APR
22.24% - 29.24% (V)
Annual Fee
$400
Rewards Rate
1 - 5 points / $1
Bonus Offer
50,000 points
Accepted Credit
Excellent
Editors’ Thoughts
Why We Like It:TheU.S. Bank Altitude Reserve Visa Infinite® Card is the best metal credit card for luxury travel perks. In addition to being made of metal, the U.S. Bank Altitude Reserve Cardoffers up to $325 in statement credits annually, a complimentary 12-month Priority Pass membership, and an initial bonus of 50,000 pointsfor spending $4,500 within 90 days of opening an account. TheU.S. Bank Altitude Reserve Cardalso gives 1 - 5 points per $1 spent on purchases, among other perks.
What We Don’t Like:This card charges a$400annual fee.
Who Should Get It:Consider applying for this card if you’re a big-spender who travels frequently and can take full advantage of all the rewards and benefits.
Pros, Cons & More Details
Pros, Cons & Details
Best Metal Credit Card for Bonus Travel
3.0WalletHub Rating
WalletHub Rating
3.0
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Earn Rewards"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
3.6
Market Comparison
2.9
fees: 1.3
rewards: 4.0
cost: 2.6
Other Features: 5.0
Regular APR
21.24% - 25.24% (V)
Annual Fee
$495
Rewards Rate
1 - 5 points / $1
Bonus Offer
60,000 points
Accepted Credit
Excellent
Regular APR
21.24% - 25.24% (V)
Annual Fee
$495
Rewards Rate
1 - 5 points / $1
Bonus Offer
60,000 points
Accepted Credit
Excellent
Editors’ Thoughts
Why We Like It:The HSBC Premier World Elite Card offers an initial bonus of 60,000 points, worth $900 in air travel, to new cardholders who spend $4,000 within 3 months of opening an account. Plus, cardholders can get up to $400 per year in travel credits, as well as ridesharing credits, TSA PreCheck/Global Entry credits, and airport lounge access.
The card also provides 1 - 5 points per $1 spent on purchases. It does not charge foreign transaction fees, either.
What We Don’t Like:The HSBC Premier World Elite Card has a $495 annual fee.
Who Should Get It:Consider applying for this card if you have excellent credit and will be able to take full advantage of its rewards and various opportunities to earn statement credits.
Pros, Cons & More Details
Pros, Cons & Details
Heaviest Metal Credit Card
1.7WalletHub Rating
WalletHub Rating
1.7
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Earn Rewards"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Market Comparison
1.7
fees: 2.1
rewards: 1.6
cost: 1.8
Other Features: 0.0
Transfer intro APR
0% for 15 months
Transfer Fee: 5% (min $5)
Regular APR
21.24% - 29.24% (V)
Annual Fee
$195
Rewards Rate
1 point / $1
Accepted Credit
Excellent, Good
Transfer intro APR
0% for 15 months
Transfer Fee: 5% (min $5)
Regular APR
21.24% - 29.24% (V)
Annual Fee
$195
Rewards Rate
1 point / $1
Accepted Credit
Excellent, Good
Editors’ Thoughts
Why We Like It:TheMastercard® Titanium Card is the heaviest metal credit card available right now, weighing roughly 22 grams. It offers 1 point per $1 spent on all purchases.
The Mastercard® Titanium Card also offers an introductory APR of 0% for 15 months on balance transfers.
What We Don’t Like:The Mastercard® Titanium Card has a $195 annual fee. It also has a regular APR of 21.24% - 29.24% (V) and a transfer fee of 5% (min $5).
Who Should Get It:Consider applying for the Mastercard® Titanium Card if you have good credit and the card’s rewards match up well with your spending habits.
Pros, Cons & More Details
Pros, Cons & Details
METAL BUSINESS CREDIT CARDS
Best Metal Business Credit Card
3.5WalletHub Rating
WalletHub Rating
3.5
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Business - Earn Rewards"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
4.0
User Reviews
3.7
Market Comparison
3.4
fees: 2.5
rewards: 3.7
cost: 3.7
Other Features: 0.0
Terms Apply|
Purchase intro APR
0% for 6 months from date of account opening
Regular APR
19.49% - 28.49% (V)
Annual Fee
$375
Rewards Rate
1 - 4 points / $1
Bonus Offer
100,000 points
Accepted Credit
Excellent, Good
Purchase intro APR
0% for 6 months from date of account opening
Regular APR
19.49% - 28.49% (V)
Annual Fee
$375
Rewards Rate
1 - 4 points / $1
Bonus Offer
100,000 points
Accepted Credit
Excellent, Good
Editors’ Thoughts
Why We Like It: American Express® Business Gold Card is the best metal business credit card overall because it comes with an initial bonus offer of 100,000 points for spending $15,000 within 3 months, plus ongoing rewards of 1 - 4 points per $1 spent on purchases.
More specifically, cardholders earn 4 points per $1 spent in the two select categories with the most spending (up to $150,000 per year combined), 3 points per $1 spent on flights and prepaid hotels booked on amextravel.com, as well as 1 point per $1 spent on all other purchases.
What We Don’t Like: The American Express Business Gold card has an annual fee of $375 and it has a high regular APR.
Who Should Get It:Consider applying for this card if you’re a business owner with good credit personally who will easily be able to get $375 in value from the rewards and benefits each year. Qualifying for the card’s initial bonus offer will go a long way toward that.
Pros, Cons & More Details
Pros, Cons & Details
Best Metal Business Credit Card for an Initial Bonus
2.5WalletHub Rating
WalletHub Rating
2.5
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Business - Earn Rewards"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
3.0
User Reviews
3.7
Market Comparison
2.3
fees: 1.3
rewards: 2.9
cost: 2.0
Other Features: 5.0
Terms Apply|
Regular APR
19.49% - 28.49% (V)
Annual Fee
$695
Rewards Rate
1 - 5 points / $1
Bonus Offer
150,000 points
Accepted Credit
Excellent, Good
Regular APR
19.49% - 28.49% (V)
Annual Fee
$695
Rewards Rate
1 - 5 points / $1
Bonus Offer
150,000 points
Accepted Credit
Excellent, Good
Editors’ Thoughts
Why We Like It: The Business Platinum Card® from American Express is made of stainless steel, offers valuable rewards, and provides a variety of other attractive perks. For starters, new cardholders can earn an initial bonus of 150,000 points for spending $20,000 within 3 months.
In addition, all purchases get you 1 - 5 points per $1 spent. Specifically, you’ll earn 5 points per $1 spent on flights and prepaid hotels on amextravel.com, 1.5 points per $1 on U.S. construction material and hardware suppliers, U.S. electronic goods retailers, U.S. software & cloud providers, U.S. shipping, as well as on other purchases of $5,000 or more (up to $2 million of these purchases per year combined), and 1 point per $1 on all other purchases.
On top of those rewards, cardholders enjoy benefits such as the opportunity to earn hundreds of dollars in annual statement credits and access to the American Express Global Lounge Collection.
What We Don’t Like: The annual fee is $695 and the APR is pretty high.
Who Should Get It:Business owners with good personal credit who travel frequently and expect to take full advantage of the rewards and benefits should consider applying.
Pros, Cons & More Details
Pros, Cons & Details
Best Metal Business Credit Card for Travel
3.4WalletHub Rating
WalletHub Rating
3.4
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Business - Earn Travel Rewards"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Market Comparison
3.4
fees: 2.1
rewards: 4.1
cost: 3.5
Other Features: 0.0
Regular APR
Not Applicable
Annual Fee
$395
Rewards Rate
2 - 10 miles / $1
Bonus Offer
150,000 miles
Accepted Credit
Excellent
Regular APR
Not Applicable
Annual Fee
$395
Rewards Rate
2 - 10 miles / $1
Bonus Offer
150,000 miles
Accepted Credit
Excellent
Editors’ Thoughts
Why We Like It: Capital One Venture X for Business is the best metal credit card to get if you want to earn travel rewards on your business purchases. First of all, you can get an initial bonus of 150,000 miles for spending $30,000 in the first 3 months. Plus, you will earn 10 miles per $1 spent on hotels and rental cars booked through Capital One Travel, 5 miles per $1 spent on flights booked through Capital One Travel, and 2 miles per $1 on all other purchases.
In addition, this card gets you unlimited complimentary access to Capital One Lounges and the 1,300+ airport lounges in Capital One’s Partner Lounge Network. You can even bring two guests for free.
What We Don’t Like: This card has a $395 annual fee and a high APR. You also need a 750+ credit score for high approval odds.
Who Should Get It:High-spending business owners with excellent personal credit who travel a lot should consider applying for Capital One Venture X for Business.
Pros, Cons & More Details
Pros, Cons & Details
WalletHub's Research
221
Research Hours
319
Companies Reviewed
996
Cards Reviewed
- Best metal credit cards compared
- Key things to know about metal credit cards
- Methodology
- Sources
- About the author
- Metal Credit Card FAQ
- Expert opinions
Best Metal Credit Cards Compared
Credit Card | Best For | Annual Fee | Material | Weight |
Capital One Venture X Rewards Credit Card (see Rates & Fees) | Overall | $395 | Stainless steel | 16 grams |
Mastercard® Titanium Card | Heavy Card | $195 | Stainless steel/carbon | 22 grams |
The Platinum Card® from American Express | Lounge Access | $695 | Stainless steel | 18.5 grams |
U.S. Bank Altitude Reserve Visa Infinite® Card | Luxury Travel Perks | $400 | Stainless steel | 16 grams |
Chase Sapphire Preferred® Card | Initial Bonus | $95 | A proprietary mix of metal | 13 grams |
Chase Sapphire Reserve® | Annual Travel Credit | $550 | A proprietary mix of metal | 13 grams |
All of these cards require at least good credit for approval, and only excellent credit will do for a handful of them. So you shouldcheck your latest credit score for free on WalletHubbefore you apply for one of the best metal credit card offers.
To help you decide which group you’re in, we’ll highlight a handful of factors often discussed in relation to metal credit cards below.
Key Things to Know About Metal Credit Cards
- Metal Credit Card Requirements
- Purpose of Metal Credit Cards
- Metal Credit Card Annual Fee
- Metal Credit Card Thickness
- Metal Credit Card Advantages
- How to Destroy a Metal Credit Card
- Metal Credit Card Cost
Metal Credit Card Requirements
Most metal credit cards require good credit or better for approval. That means applicants with a credit score of 700 or higher should have a good chance or getting approved for a metal card. However, some of the most elite, prestigious metal credit card offers are reserved for people with excellent credit – a credit score of 750+.Very few metal credit cards have approval requirements that are out of the ordinary compared to the best credit cards on the market. There are some notable exceptions, though, including the invite-only American Express Centurion Card, which is made of metal and more commonly called the Amex Black Card.
Purpose of Metal Credit Cards
The main purpose of a metal credit card is to make you look and feel cool. The fact that your credit card is made of metal will not earn you more rewards, reduce the card’s annual fee, or save you money on interest. It might make you seem more successful, though, at least until metal credit cards become more of the norm than the exception.Metal Credit Card Annual Fee
Metal credit cards have annual fees ranging from $0 to $500 or more, depending on the card. That means you don’t have to be rich to get a credit card made of metal, as long as you choose wisely.Metal Credit Card Thickness
Metal credit cards are heavier than plastic credit cards, but all credit cards have the same thickness. Both plastic and metal credit cards are 0.76 millimeters thick, in accordance with international standards. If some credit cards were thicker than others, it would cause problems with transactions where you have to swipe or insert the card in a reader.The heaviest metal credit cards weigh 2-6 times as much as a standard plastic credit card. Two of the heaviest metal cards that may give the impression of being thicker than usual are the Chase Sapphire Reserve® and The Platinum Card® from American Express.
Metal Credit Card Advantages
Metal credit cards have at least one small advantage over plastic credit cards: Metal cards are more durable. They’re less likely to break or get scuffed up to the point they no longer work. Other than that, the main advantage of a metal card is that it’s a status symbol.There are some minor disadvantages to using a metal credit card, too. For example, you can’t just cut up a metal card when you want to dispose of it. You’ll likely have to return the card to the issuer. In addition, you can’t customize a metal credit card with a photo of your choice, as some plastic cards allow you to do.
How to Destroy a Metal Credit Card
Do not attempt to destroy metal credit cards. Instead, the issuer will provide an envelope in which you can return the metal card for safe disposal.Metal Credit Card Cost
Some metal credit cards cost a lot – thanks not only to high membership fees and interest rates, but also to pricey spending requirements that potential applicants must meet to even become eligible in the first place. However, other metal credit cards don’t have to cost you a thing. Either type could be worth having, too. You just need to make sure you’ll get your money’s worth based on the rewards, benefits and competing offers.
The best options offer lots of rewards value, plus benefits such as airport lounge access.
Methodology for Selecting the Best Metal Credit Cards
To identify the best metal credit cards, WalletHub’s editors regularly compare more than 1,500 credit card offers, including any new entrants to the market. Given that metal credit cards are much less common than plastic credit cards, simply excluding cards made from non-metal materials reduces the pool of relevant offers considerably. After narrowing the field down to only metal cards, we calculate how much each card is likely to cost/save the average person over two years of use. We then select the best metal credit cards – both overall and in several popular categories – based on expected two-year value and other WalletHub Rating components.
How Two-Year Cost Is Calculated
Two-year cost is used to approximate the monetary value of cards for better comparison and is calculated by combining annual and monthly membership fees over two years, adding any one-time fees or other fees (like balance transfer fees), adding any interest costs, and subtracting rewards. Negative amounts indicate savings. When fees or other terms are presented as a range, we use the midpoint for scoring purposes.
Rewards bonuses and credits have been taken into account for two-year cost calculations. However, bonuses applicable to only a very small portion of cardholders are not considered. For example, credits and bonuses awarded for spending or redeeming rewards through a company portal with non-co-branded cards have not been taken into account. Similarly, bonuses and credits related to spending with specific merchants using a non-co-branded card have not been taken into account (for example, if Card A offers credits with DoorDash, this feature would not be factored into calculations because it is hard to assess how many cardholders would use the benefit or exactly how much value they'd get from it).
Cardholder Spending Profiles
Given that different users have different goals and are likely to use their credit cards differently, we identified spending profiles that are representative of different users’ financial priorities and behaviors. For each cardholder type, we have assumed a specific amount of monthly spending by purchase type (e.g., groceries, gas, etc.), as well as an average balance, balance transfer amount, amount spent on large purchases and average monthly payment. Spending assumptions are based on Bureau of Labor Statistics data for consumers and PEX data for businesses.
Sources
WalletHub actively maintains a database of 1,500+ credit card offers, from which we select the best metal credit cards for different applicants as well as derive market-wide takeaways and trends. The underlying data is compiled from credit card company websites or provided directly by the credit card issuers. We also leverage data from the Bureau of Labor Statistics to develop cardholder profiles, used to estimate cards’ potential savings.
About the Author
John S Kiernan
John Kiernan has covered the credit card industry for more than 15 years as a writer and editor for WalletHub. His work has been featured by major media outlets such as The Washington Post, Fox News and The New York Times and has been cited by industry regulators such as the Consumer Financial Protection Bureau.
Metal Credit Card FAQ
Finding the best credit card can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered. WalletHub independently collected information for some of the cards on this page.
Most Popular
23
Upvotes
What does having a metal credit card mean?
Reply
23
Maria Adams, Credit Cards Moderator
@m_adams
Having a metal credit card means you're likely a big spender who has good or excellent credit and travels frequently. Metal credit cards are often targeted to people who travel a lot, as they tend to come with attractive perks like free access to airport lounges and travel statement credits. As a result, metal cards are sometimes seen as a status symbol.
Some of the Best Metal Credit Cards
- Rates & FeesOverall:
Capital One Venture X Rewards Credit Card
Learn MoreLearn Moreon issuer's website - Initial Bonus:
Chase Sapphire Preferred® Card
Learn MoreLearn Moreon issuer's website - Rates & FeesTerms ApplyLounge Access:
The Platinum Card® from American Express
Learn MoreLearn Moreon issuer's website - Travel Rewards:
Chase Sapphire Reserve®
Learn MoreLearn Moreon issuer's website
- Overall:
- Initial Bonus:
- Lounge Access:
- Travel Rewards:
You can also check out our editors' latest picks for the best metal credit cards on the market to weigh your options.
It's worth noting that some metal credit cards may also have high annual fees. So, you should make sure that any metal credit card you get also has worthwhile perks and fits your individual needs and budget.
2
Upvotes
What is the point of a metal credit card?
Reply
2
Chip Lupo, Credit Card Writer
@CLoop
The point of a metal credit card is to appear prestigious. Some metal credit cards are among the most exclusive credit cards on the market, and they're regarded as status symbols because they usually cater to big spenders who travel frequently and have a lot of disposable income. The truth is, physical attributes aside, there's little difference between metal credit cards and their plastic counterparts. There are a few great metal credit cards on the market that give...
1
Upvote
Is a metal credit card worth it?
Reply
1
Chip Lupo, Credit Card Writer
@CLoop
Yes, a metal credit card is worth it if the card's rewards and perks justify the high annual fee that most metal cards charge, and if cards made from other materials won't save you more money. Instead of choosing a credit card based on whether it's metal or plastic, it's best to focus on which card will benefit you the most.
Functionally, metal cards are no different from their plastic counterparts, though their weight...
24
Upvotes
What is a metal credit card?
Reply
24
Milvionne Chery Copeland, Writer
@milvionne_copeland
A metal credit card is a credit card made from metals such as brushed stainless steel, brass, copper, titanium, palladium, or gold. You can use a metal credit card to make purchases, balance transfers, and cash advances, just like you would with a plastic credit card.
Metal credit cards are often seen as status symbols because they are geared toward big spenders who love to travel, and they require good or excellent credit for...
26
Upvotes
Are metal credit cards a status symbol?
Reply
26
Bianca Smith, WalletHub Credit Cards Analyst
@bianca_stoian
Yes, metal credit cards are usually seen as a status symbol because metal card offers are typically geared toward high-spenders with good or excellent credit. Some of the most exclusive credit cards are made of metal, and the weighty feel of the cards certainly speaks to luxury.
Why Metal Credit Cards Are a Status Symbol
Metal credit cards have a premium feel.
Metal credit cards are heavier and sturdier than their more common plastic counterparts, so they...
2
101
Upvotes
How do I get a custom metal credit card?
Reply
101
12
Michael Battle, WalletHub Credit Card Analyst
@mikebattle
You can get a custom metal credit card by sending your plastic to a company that will convert it to metal. There are many third-party vendors that offer this kind of service, such as Lion Card and Metal-CreditCard.com.
How to Get a Custom Metal Credit Card
Find a trustworthy third-party vendor
Both Metal-CreditCard.com and Lion Card have been in business for more than 5 years and have mostly positive reviews. In addition, they both...
19
29
Upvotes
Is Chase Sapphire Reserve metal?
Reply
29
1
Paddy Sullivan, WalletHub Credit Card Advisor
@PaddySully
Yes, Chase Sapphire Reserve is a metal card. There's no plastic version, so there's no need to specifically request the card in metal when you apply. That's what you'll automatically get if you're approved for an account.
It is worth noting that the Chase Sapphire Reserve card's annual fee is $550. So, you really need to decide whether its terms make it worthwhile for you, metal aside.
Reasons to get the Chase Sapphire Reserve card:
- High...
7
View more answers
25
Upvotes
Is the Amazon Prime Credit Card metal?
Reply
25
John Wittgap, WalletHub Analyst
@j.wittg
Yes, the Prime Visa card is metal. It is also worth noting that this is an upgraded version of the Amazon Credit Card for cardholders with a Prime membership. This card is also made out of metal. The Amazon Store Card, on the other hand, is a plastic credit card.
Having said that, you shouldn't worry too much about what your credit card is made of. A credit card is just a tool for making purchases and what matters...
2
1
Upvote
Which credit cards are made of metal?
Reply
1
Maria Adams, Credit Cards Moderator
@m_adams
There are several credit cards made of metal, like the Capital One Venture X, Chase Sapphire Preferred and American Express Platinum cards. Metal credit cards are seen as a status symbol, as they are usually geared toward big spenders who love to travel, and they require good or excellent credit for approval.
The high credit requirements make several metal cards also some of the hardest credit cards to get. If you want to get a metal credit card, you...
89
Upvotes
How do I get the Amex Rose Gold card?
Reply
89
2
Marshall Jamieson, WalletHub Finance Consultant
@bergman77
To get the Amex Rose Gold card, you have to apply for the American Express® Gold Card and request a Rose Gold version. If you are already an Amex Gold cardholder, you just have to request a new card be sent to you in the Rose Gold shade. To do that, call customer service at (800) 528-4800 or the number you see on the back of your card. Alternatively, use the online chat function from your online account.
It's worth noting...
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1