Metal credit cards aren’t inherently better than their non-metal counterparts. In other words, instead of getting bogged down by your credit card's counter appeal, focus on earning more rewards and paying less in fees. Amex Platinum comes with a $550 annual fee; for Sapphire Reserve, it's $550. Selected from 1,500+ credit cards in April 2021. When you click on any ‘Apply Now’ button, the most up-to-date terms and conditions, rates, and fee information will be presented by the issuer. Cardholders get 4 points per $1 spent at restaurants (including takeout and delivery), plus 4 points per $1 on the first $25,000 spent annually at U.S. grocery stores. Advertising status does not affect which offers show up on this page but may impact the order in which they appear. But it also makes up for that with special anniversary bonuses. Are there any advantages/disadvantages to having a credit card made of metal? The Amazon Prime credit card comes with a $0 annual fee. Yes, the Amazon Prime credit card is metal, it is made of titanium. It also has no fees. Weight, looks, , and a month into this I'll say reliability. The rewards program is not the most valuable out there, but this card card does include airport lounge access, a $100 travel credit, a live chat concierge in the Luxury Card mobile app, and thousands of dollars in possible credits at hotels. Citi® / AAdvantage® Executive World Elite Mastercard®, U.S. Bank Altitude Reserve Visa Infinite® Card. Here's why to get the Chase Sapphire Reserve metal card: You don't have to do anything special to get the Chase Sapphire Reserve® metal card once you're approved. That's what you'll automatically get if you're approved for an account. What are the best metal credit cards with no annual fee? The Prime card also gives you better rewards (up to 5 points per $1 spent) and benefits than those offered by the regular Amazon.com Credit Card. You are ineligible for this bonus if you have a Sapphire card, or you’ve received a new cardmember bonus for any Sapphire card in the past 48 months. Metal credit cards can be really heavy-duty (some are as heavy as 27 grams!). My primary credit card was compromised last week. With that bonus and an ongoing earning rate of 2 miles per $1, Venture has a lot of substance to back up its sleek appearance. This card’s been around for a while, but was refreshed in 2017 and changed to a metal design. In 2018, this card replaced the plastic Premier Rewards Gold Card with the new metal design available in gold or rose gold, although the rose gold version is no longer available for new applicants. If you’re a Prime subscriber, there’s pretty much no reason not to get this card. Metal credit cards are credit cards that are literally made from metal and usually offer accelerated rewards on travel and experiences, as well as access to prestigious banking benefits. The types of metals that can be used for these cards include chrome, silver, stainless steel and a host of alloys. This card offers 3 points per dollar spent on restaurants, gas stations, travel, and eligible streaming services. With its portfolio of high-end metal payment cards, IDEMIA proposes a large range of attractive and eye-catching metal card bodies. The metal card challenge is only available for Chime members who have a Credit Builder card. Whether you’ve decided it no longer makes financial sense to keep open or have become the victim of a credit card scam and need a replacement, you’ll likely have to take a different approach. What are metal credit cards? Why do you think some credit cards are made of metal and others aren’t? Efforts have been made to keep the content up to date and accurate. It also provides Admirals Club access for the primary cardholder as well as up to ten authorized users, a better airport lounge offer than most other cards. A number of issuers now offer metal credit cards to their customers. Chase has metal credit card offers for several types of applicants: The Chase Sapphire Preferred® Card for bonus travel rewards at a reasonable cost, the Chase Sapphire Reserve® for luxury travel perks at a high cost, and the J.P. Morgan Reserve Credit Card for Chase's high-net-worth banking clients. It also gives 3 points per $1 spent on flights booked directly with airlines or on amextravel.com. Credits like these are practically unheard of for no annual fee cards — just by having the card you can save money, assuming you don’t rack up any interest charges. You are ineligible for this introductory bonus if you’ve either closed or received an introductory bonus from any of the following cards in the past 24 months: The Crystal® Visa Infinite® Credit Card is quite the rewarding luxury card, with annual airline and lounge credits, plus Priority Pass Select membership and a bevy of other travel perks. You’ll get 5% back on Amazon purchases and there’s no annual fee for the card. $9.99 $ 9. Unlike the American Express Centurion card, this is card is available without an invitation. Wells Fargo Propel and the Amazon Credit Card both have attractive initial bonuses, plus good ongoing rewards in popular spending categories. Credit Card Insider receives compensation from advertisers whose products may be mentioned on this page. Metal cards have become increasingly popular in recent years. Issuers like Amex and Chase will send you a prepaid envelope to return your metal credit card so they can destroy it for you. Yes, Chase Sapphire Reserve® is a metal card. If you want a heavy, thick, metal credit card plated in actual 24k-gold, this may be the card for you. There’s another fancier-looking version of this card called the JP Morgan Reserve, but it is only available to JP Morgan Private Client customers. Metal credit cards are usually heavier than regular plastic cards. Card issuers use metal mostly for their elite, high-end cards, in an attempt to denote exclusivity. Maybe U.S. Bank pays lower fees to mobile wallet providers than when you swipe or dip your card, so they’re passing the savings along? For rates and fees of the American Express® Business Gold Card, please click here. With that in mind, the bottom line is: Let credit card companies destroy metal credit cards so you don't have to. They offer contactless payment options and EMV chip capabilities for the highest security. This business version of the Amex Platinum card costs $595 per year (Rates & Fees). It earns travel rewards. Finding the best credit card can be tough. Although metal credit cards have their perks, including increased durability, metal can be a hassle when it comes time to dispose of an expired card. Chase Sapphire Preferred® Card, The Platinum Card® from American Express, and Capital One Venture Rewards Credit Card all come in metal. Cardholders can enjoy up to 8% back on spending, perfect interbank exchange rates, and generous purchase rebates for Spotify, Netflix, Amazon Prime, Airbnb, and … What’s best for you ultimately depends on what you’re looking for. The information related to Amazon Business Prime American Express Card, American Express® Business Gold Card, and The Business Platinum Card® from American Express have been collected by Credit Card Insider and have not been reviewed or provided by the issuer or provider of these products. Applicants need at least good credit for approval. It's mostly frequent flyers who will get enough value out of the Chase rewards program to make the $550 worth it. For rates and fees of The Platinum Card® from American Express, please click here. Here’s a list of our favorites that you can actually apply for directly, followed by a full alphabetical list of 27 metal cards. Metal credit cards are cards made of titanium, stainless steel, alloys and other metals that weigh 10-27 grams per card (vs. 5 grams for a normal credit card). Borrowing cash on your card is a cash advance. In addition to being made of metal and having a $0 annual fee, Wells Fargo Propel offers an initial bonus of 20,000 points (worth $200) for spending $1,000 within 3 months of opening an account. The Platinum Card is a high-end product designed for frequent travelers. The best metal credit cards with no annual fee are the Wells Fargo Propel American Express Credit Card, the Apple Credit Card, and the Amazon Credit Card for Prime members. : The information related to American Express® Business Gold Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product. It has a $450 annual fee, with benefits you’d expect, like United Club lounge access and the ability to check some bags for free. Either $10 or 5% of the amount of each transaction, whichever is greater. The best metal credit card is the Capital One Venture card because it has a stainless steel coating, is made from 75% recycled materials, and offers great rewards. It does not charge a foreign transaction fee, either. There is no annual fee. The HSBC Premier World Elite Mastercard® Credit Card is a premium travel card that’s a step below the Amex Platinum and Chase Sapphire Reserve, with a different airport lounge program along with air travel and rideshare credits. It also rewards cardholders with 1 - 5 points / $1 on purchases, a free 4th night on reward stays of 4+ nights, and various other perks. One of the most benefit-rich metal credit cards is The Platinum Card® from American Express. 1.5 cents a point (50% extra) when you redeem through Chase's travel website. 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. Then there’s 10 points per $1 spent at IHG properties, along with 2 points per $1 at gas stations, grocery stores and restaurants. It includes many travel benefits, like airport lounge access, Uber credits, and a Global Entry or TSA PreCheck credit. The Platinum Card is a high-end card designed for frequent travelers. Getting your OneCard. The information related to The Business Platinum Card® from American Express has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product. Why it's one of the best metal credit cards to get: One of the newest credit cards on the market, the Savor Cash Rewards Card also is among a limited number of Capital One cards that come in metal. The Sapphire Preferred is a metal card with a blue finish. For more info, check out WalletHub’s American Express Gold Card review. Credit Card Insider has partnered with CardRatings for our coverage of credit card products. The issuer will then dispose of the card safely. You can get a custom metal credit card by sending your plastic credit card to a company that will convert it to metal. Learn the difference between networks like Visa and issuing banks like Capital One, which banks are biggest, and more. Like several other cards on this page, it’s a premium card designed around travel benefits. Read this for help picking your first card and find out what to expect when you apply. Apply Now. Each company guarantees a safe and secure process, but this is still a risky move. Do you have a correction, tip, or suggestion for a new post? There's no plastic version, so there's no need to specifically request the card in metal when you apply. This card is designed for travelers, but it doesn’t have the same benefits as some of the other premium travel cards listed on this page. If you’re looking for a heavy, thick, metal credit card, it’s hard to beat the card construction of this one and the other two cards from Luxury Card. All ideas and suggestions are welcome. This card has a much lower annual fee than the premium Chase Sapphire Reserve, but does not have all the same benefits and rewards. It is not the bank advertisers' responsibility to ensure all posts are accurate and/or questions are answered. The offer starts with an initial bonus of $50 gift card ($70 for Prime members) when you open an account. These are currently the heaviest metal credit cards you can apply for, all weighing in at 22 grams: These cards (issued by Luxury Card) aren’t particularly great, because you can get better features from less expensive reward and travel cards. The Savor now has a stainless steel veneer front, produced with 75% recycled materials. Credit Card Insider has not reviewed all available credit card offers in the marketplace. By comparison, most other metal credit cards weigh 0.5-0.7 ounces each. Either $5 or 5% of the amount of each transfer, whichever is greater. You can only carry a balance from month to month on certain purchases. You’ll also get a free night every year after your account anniversary. A list of these issuers can be found on our Editorial Guidelines. Additionally, if you purchase the Metal Card for $159, you will have 60 days to complete your 2 referrals and get a $109 reimbursement. You’ll need to be an existing bank client to apply. You can see our full review of the Sapphire Preferred here. You definitely don't want to take a knife to a metal credit card or try to put such a card through a shredder. The back half of the card has a layer of plastic. Regular paper shredders usually have no problem with regular plastic cards, and might even have a spot just for that purpose as mine does. Or, they can still earn 50,000 miles (worth $500 in travel) for spending $3,000 within 3 months. It also provides the option to have more time to pay off the card without interest fees instead of getting rewards. Sapphire Reserve covers your membership in Priority Pass Select, which lets you enjoy 1,000+ airport lounges around the world. But their benefits may make the cards worthwhile in some cases. Call Us 657-222-2228 or Schedule an Appointment Menu. Terms and cap apply. Plastic credit cards weigh about 0.17 ounces, or 5 grams, generally. Several of the best premium credit cards are metal, but that doesn’t really mean anything, because there are metal cards we don’t like, too. Best Metal Credit Card for Apple Purchases. Pros and cons of metal credit cards. Download our OneScore app, get your credit score, apply for OneCard. Most metal credit cards are travel rewards cards, so it’ll be much easier finding a metal card that makes sense for you if you’re an avid traveler. Content is accurate to the best of our knowledge when it's published. So frequent travelers can still get their money’s worth and then some. Our editors' recommendations for the Best Credit Cards are a reflection of their own subjective opinions, and they should not be relied upon as the sole basis for choosing your financial product. Or maybe they’re just trying to be different. DISCLAIMER: All information posted to this site was accurate at the time of its initial publication. If you find a metal card that complements your goals, spending habits, and credit standing, you have to apply the same way you’d get any credit card. However, you need to have an eligible Prime membership to get it. But you’ve got the knowledgeable WalletHub community on your side. Many rewards cards offer a multiple on a certain category of purchase, but I’ve never seen a multiple based on how the transaction is processed. Credit Card Insider has not reviewed all available credit card offers in the marketplace. When you click on any ‘Apply Now’ button, the most up-to-date terms and conditions, rates, and fee information will be presented by the issuer. A referral to KOHO counts when the user signs up and makes a purchase within 30 days. 35,000 bonus points for spending $5,000 in the first 3 months; up to $300 in statement credits on eligible U.S. advertising and U.S. shipping purchases. However, you will need good to excellent credit to get them. The card is made of anodised titanium, a hard, silver-gray metal that is strong, light, and used in corrosion-resistant alloys. Read our review of this card here. Chase has more metal credit cards than any other issuer (Amex is up there too). Like the personal version, the business card has a $450 annual fee, United Club lounge access, and the ability to check some bags for free. When you look at benefits and cost, it’s in the same category as the Platinum Card from American Express. You should also be aware that Amex Gold is a hybrid card. U.S. Bank Altitude® Go Visa Signature® Card, Wells Fargo Propel American Express® card, Capital One Savor Cash Rewards Credit Card, How to Transfer a Balance on a Credit Card, full review of both Amazon Visa cards here, full review of the Capital One Savor Cash Rewards card here, get a metal card without paying a high annual fee, How to Get a Cash Advance with a Credit Card, full review of the Capital One Venture Rewards here, full review of the Sapphire Preferred here, HSBC Premier World Elite Mastercard® Credit Card, Marriott Bonvoy Brilliant™ American Express® Card, Marriott Rewards Premier Plus Credit Card, Marriott Bonvoy™ Premier Business Credit Card, Marriott Rewards Premier Plus Business Credit Card, Marriott Bonvoy Premier Plus Business Visa Signature, review of the Mastercard® Black Card™ card here, Amazon Business Prime American Express Card, apply the same way you’d get any credit card, the heaviest metal credit cards you can get, Cash back redemption value: 1.5% cash back, Travel (after the full travel credit is used), Groceries (up to $1,000 spent per month; through 4/30/21), Flights booked directly through airlines or through American Express Travel, Prepaid hotels booked through American Express Travel, U.S. Supermarkets (up to $25,000 per calendar year in purchases, then 1X), Have or have had this card, or the Starwood Preferred Guest Luxury Card, Have or have had the Ritz-Carlton Rewards Credit Card in the past 30 days. To qualify for most metal cards, you'll need a minimum of good credit (score of 700+). A card made of metal is a special thing, so keeping yours alongside a regular bank card that you can rely on for ‘everyday’ use or travel isn’t a bad idea. Do your research before deciding which cards will best help you achieve your goal with a new metal credit card. But whether you should apply in the first place depends on how much you travel. For rates and fees of the American Express® Gold Card, please click here. You may be able to get more rewards or benefits with other cards that are less expensive, but if you’re looking for the heaviest card with the lowest annual fee, this is it. Like the Savor card above, this card has a $95 annual fee. Learn more in our full review of the Capital One Savor Cash Rewards card here. There are also annual credits for dining and Uber charges, which, together, nearly pay for Amex Gold's $250 annual fee. $39 or 2.99% of any past due Pay in Full amount, whichever is greater. For more information, check out WalletHub’s complete Capital One Venture Card Review. You can’t apply directly online, but you can through the Wallet app on iPhone. Advertising partners do not edit or endorse our editorial content. Metal credit cards work exactly like the plastic card options that populate the wallets of most consumers. Banks began to issue the plastic cards most people know in the 1950s. The Propel card also provides 3 points per $1 spent on streaming services, dining, gas stations, transit, and travel expenses, along with 1 point per $1 on all other purchases. However, metal cards are heavier than plastic and they can weigh down your wallet – especially if you have more than one. We’ve only highlighted cards that you can directly apply for here. The Savor card is designed for foodies, with bonus categories that include dining and grocery stores. Most notably, you can earn 125,000 points (worth about $1,250 in hotel reservations) for spending $5,000 within 3 months of opening your account. They range widely in their annual fees, additional benefits, and weights. But it's not the size of the credit card in the fight that matters; it's the size of the fight in the credit card. Have acquired any of the following cards in the past 90 days: Have received a welcome bonus or upgrade offer for any of the following cards in the past 24 months: Prepaid hotels booked in the Altitude Rewards Center, Car rentals booked in the Altitude Rewards Center, U.S. advertising purchases: online, TV, radio, U.S. providers of computer hardware, software, and cloud solutions. This card gives complimentary access to more than 1,300 Priority Pass Select airport lounges worldwide, for one thing. This card is loaded with benefits like airport lounge access and travel credits. You can learn more about why it’s one of the best metal credit cards on the market from our full Wells Fargo Propel review. FREE Shipping on orders over $25 shipped by Amazon.

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