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Metal credit cards aren't new, but they've become increasingly popular among credit cardholders because of their aesthetic appeal. What's more, you no longer have to be wealthy to get one — there are more and more metal cards with a low annual fee or no annual fee at all.
While having a metal credit card sounds cool and could feel like a status symbol, it's important to pick a card based on the total value you gain from all of its features. For example, there are metal credit cards with no annual fee and those that almost hit $1,000 a year. Plus each card offers different rewards and perks, whether travel, cash back, or things like travel protection and airport lounge access.
Here's what you need to know about metal credit cards and how to pick the right one.
How we rate products
To determine the best metal credit cards, we first compiled a list of metal credit cards available for consumers and business owners. Then, we identified the key features that can provide value in a metal credit card, including:
- Rewards rate
- Welcome bonus
- Lounge access
- Travel benefits
- Annual fee
- Airport lounge access
- Other valuable perks
It is important to note that we did not include all available options. This article is meant to serve as a starting point for further research. It's best to compare your options and do your own research before deciding on the metal credit card that best meets your needs.
Comparison of the best metal credit cards
| Credit Card | Rewards Rate | Welcome Bonus | Intro APR | Regular APR | Annual Fee |
|---|---|---|---|---|---|
2025 award winner
Best Overall Travel Credit Card
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Apply Now
Chase Sapphire Preferred® Card 4.8
|
1X - 5X
Points
|
75,000
Points
|
Balance Transfer:
N/A, N/A
Purchases:
N/A, N/A
|
19.49% - 27.74% Variable
|
$95
|
|
2025 award winner
Best for Food Delivery
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Learn How to Apply
American Express® Gold Card 4.8
|
1X - 4X
points
|
100,000
Points
|
Balance Transfer:
N/A, N/A
Purchases:
N/A, N/A
|
See Pay Over Time APR
|
$325
|
/images/2024/12/16/delta-skymiles-platinum.png)
Learn How to Apply
Delta SkyMiles® Platinum American Express Card 4.9
|
1X - 3X
Miles
|
60,000
Miles
|
Balance Transfer:
N/A, N/A
Purchases:
N/A, N/A
|
19.49% - 28.49% Variable
|
$350
|
/images/2025/11/30/mastercard_titanium.png)
Learn How to Apply
Mastercard® Titanium Card™ 5.0
|
1X
Points
|
N/A
|
Balance Transfer:
0%, 15 billing cycles for balance transfers posted within 45 days of account opening
Purchases:
N/A, N/A
|
19.74% to 27.74% (variable)
|
$299
|
/images/2023/05/09/amazon_prime_visa.png)
Apply Now
Prime Visa 4.9
|
1% - 5%
Cash Rewards
|
$250
Amazon Gift Card
|
Balance Transfer:
N/A, N/A
Purchases:
N/A, N/A
|
18.99% - 27.74% Variable
|
$0
|
|
2025 award winner
Best for Online Businesses
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Apply Now
American Express® Business Gold Card 4.8
|
1X - 4X
points
|
100,000
points
|
Balance Transfer:
N/A, N/A
Purchases:
N/A, N/A
|
17.74% - 28.49% Variable
|
$375
|
/images/2025/09/18/amex_business_platinum_card_update.png)
Apply Now
The Business Platinum Card® from American Express 4.7
|
1X - 5X
points
|
200,000
Points
|
Balance Transfer:
N/A, N/A
Purchases:
N/A, N/A
|
17.74% - 28.49% Variable
|
$895
|
|
2025 award winner
Best for Luxury Travel
/images/2025/09/18/amex_platinum_.png)
Learn How to Apply
American Express Platinum Card® 4.9
|
1X - 5X
points
|
175,000
Points
|
Balance Transfer:
N/A, N/A
Purchases:
N/A, N/A
|
See Pay Over Time APR
|
$895
|
|
2025 award winner
Best for Lounge Access
/images/2025/06/23/chase-sapphire-reserve-6-23-2025.png)
Apply Now
Chase Sapphire Reserve® 5.0
|
1X - 8X
Points
|
125,000 bonus points
|
Balance Transfer:
N/A, N/A
Purchases:
N/A, N/A
|
19.74% - 28.24% Variable
|
$795
|
/images/2024/12/16/marriott-bonvoy-brilliant.png)
Learn How to Apply
Marriott Bonvoy Brilliant® American Express® Card 4.8
|
2X - 6X
Points
|
100,000
Points
|
Balance Transfer:
N/A, N/A
Purchases:
N/A, N/A
|
19.49% - 28.49% Variable
|
$650
|
/images/2021/10/21/mastercard-black-card-102121.png)
Learn How to Apply
Mastercard® Black Card™ 5.0
|
1X
Points
|
N/A
|
Balance Transfer:
0%, 15 billing cycles for balance transfers posted within 45 days of account opening
Purchases:
N/A, N/A
|
19.99% to 27.99% (variable)
|
$699
|
/images/2024/12/16/amex-delta-skymiles-reserve.png)
Learn How to Apply
Delta SkyMiles® Reserve American Express Card 4.8
|
1X - 3X
miles
|
70,000
Miles
|
Balance Transfer:
N/A, N/A
Purchases:
N/A, N/A
|
19.49% - 28.49% Variable
|
$650
|
Travel credit cards
Frequent travelers can benefit from these cards that offer hefty travel rewards and options to transfer points to travel partners for even more rewards.
Chase Sapphire Preferred® Card
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- Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
- Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases
- Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel℠
- 10% anniversary points boost - each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
- Member FDIC
- Trip cancellation/interruption insurance
- Primary rental car insurance
- Trip delay reimbursement
- Delayed luggage reimbursement
This low annual fee credit card offers many benefits and credits, but you must not mind booking travel through Chase Travel℠.
To earn points, the Chase Sapphire Preferred® Card(Rates and fees) offers 5X points on travel purchased through Chase Travel℠; 3X points on dining, select streaming services, and online groceries; 2X points on all other travel purchases, and 1X points on all other purchases. If you then redeem those rewards through Chase Travel, you could get up to 1.5x more value. You can also transfer them to one of 14 travel partners, which I suggest to maximize your rewards.
Get more details at our Chase Sapphire Preferred Card review.
Capital One Venture Rewards Credit Card
- Hertz Five Star Status1 <p class="">Upon enrollment, accessible through the Capital One website or mobile app, eligible cardholders will remain at that status level through the duration of the offer. Please note, enrolling through the normal Hertz Gold Plus Rewards enrollment process (e.g. at Hertz.com) will not automatically detect a cardholder as being eligible for the program and cardholders will not be automatically upgraded to the applicable status tier. Additional terms apply<br></p>
- Up to $120 credit for Global Entry or TSA PreCheck
- No foreign transaction fees
- $50 Experience credit when booking a Lifestyle Collection hotel
- Accident insurance2 <p class="">For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.<br></p>
The Capital One Venture Rewards Credit Card offers 2 miles per dollar on every purchase, every day, 5 miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel and 5 miles per dollar on Capital One Entertainment purchases. I think the best use of your miles is to redeem them through Capital One Travel or as a statement credit for recent travel purchases made with your Capital One card. They also have 15+ travel partners that you can transfer your miles to if you prefer, but most people book through Capital One Travel.
Find out more in our Capital One Venture Rewards Credit Card review.
American Express® Gold Card
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- Robust rewards for dining out and U.S. supermarket purchases
- Offers great travel rewards and benefits
- Over $300 in food credits including Dunkin, Uber Cash, and Resy (select benefits require enrollment)
- $100 experience credit when booking the Hotel Collection through AmexTravel.com
- Baggage insurance coverage3 <p>Baggage Insurance Plan coverage can be in effect for Eligible Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier (e.g. plane, train, ship, or bus) when the entire fare for a Common Carrier Vehicle ticket for the trip (one-way or round-trip) is charged to an eligible Account. Coverage can be provided for up to $1,250 for carry-on Baggage and up to $500 for checked Baggage, in excess of coverage provided by the Common Carrier (e.g. plane, train, ship, or bus). For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip.</p><p></p><ul><li>Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. </li><li>Please visit americanexpress.com/benefitsguide for more details. </li><li>Underwritten by AMEX Assurance Company.</li></ul><p></p>
- Car rental loss and damage insurance4 <p>Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply.</p><p></p><ul><li>Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. </li><li>Please visit americanexpress.com/benefitsguide for more details. </li><li>Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.</li></ul><p></p>
- Purchase protection5 <p class="">Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. It can help protect Covered Purchases made on your Eligible Card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the Covered Purchase date. The coverage is limited up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Coverage Limits Apply. <br></p><p></p><ul><li>Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. </li><li>Please visit americanexpress.com/benefitsguide for more details.</li><li>Underwritten by AMEX Assurance Company.</li></ul><p></p>
- Extended warranty6 <p>When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year.</p><p></p><ul><li>Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. </li><li>Please visit americanexpress.com/benefitsguide for more details. </li><li>Underwritten by AMEX Assurance Company.</li></ul><p></p>
Whether you dine out often, or have a large family with a high grocery bill you can benefit from this card. You'll earn 4X Membership Rewards points at restaurants worldwide (up to $50,000 per year, after that 1X), 4X at U.S. supermarkets (up to $25,000 per year, after that 1X), 3X on flights booked directly with airlines or on AmexTravel.com, 2X on prepaid hotels and other eligible purchases booked on AmexTravel.com, and 1X on all other eligible purchases. You can then turn those Membership Rewards Points into money for traveling when you book through Amex Travel or you can transfer the points to one of the 18 travel partners, including Hilton Honors and Marriott Bonvoy.
Get more details at our American Express Gold Card review.
Delta SkyMiles® Platinum American Express Card
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- Earn 60,000 bonus miles after spending $3,000 in eligible purchases in the first 6 months
- 3X miles on purchases made directly with Delta and hotels
- First checked bag free on Delta flights
- Statement credits for rideshare, Resy and more
- $350 annual fee. Terms apply.
- $2,500 Medallion Qualification Dollars each year
- Get a $1 MQD boost for every $20 spent to elevate your Medallion status
- Up to $120 in rideshare credits annually
- Annual Companion Certificate (excludes taxes and fees; Delta Basic experiences are not eligible for this benefit.)
- First bag checked free
- Credit for TSA PreCheck or Global Entry
- Hertz Five Star® Status
- Travel protection, including trip delay and baggage insurance7 <p>Up to $300 per Covered Trip that is delayed for more than 12 hours; and 2 claims per Eligible Card per 12 consecutive month period.</p><p></p><ul><li>Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. </li><li>Please visit americanexpress.com/benefitsguide for more details. </li><li>Underwritten by New Hampshire Insurance Company, an AIG Company.</li></ul><p></p> 3 <p>Baggage Insurance Plan coverage can be in effect for Eligible Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier (e.g. plane, train, ship, or bus) when the entire fare for a Common Carrier Vehicle ticket for the trip (one-way or round-trip) is charged to an eligible Account. Coverage can be provided for up to $1,250 for carry-on Baggage and up to $500 for checked Baggage, in excess of coverage provided by the Common Carrier (e.g. plane, train, ship, or bus). For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip.</p><p></p><ul><li>Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. </li><li>Please visit americanexpress.com/benefitsguide for more details. </li><li>Underwritten by AMEX Assurance Company.</li></ul><p></p>
- Car rental loss and damage insurance4 <p>Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply.</p><p></p><ul><li>Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. </li><li>Please visit americanexpress.com/benefitsguide for more details. </li><li>Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.</li></ul><p></p>
- Purchase protection8 <p>When an American Express® Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. The coverage is limited up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year.</p><p></p><ul><li>Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. </li><li>Please visit americanexpress.com/benefitsguide for more details.</li><li>Underwritten by AMEX Assurance Company.</li></ul><p></p>
- Extended warranty6 <p>When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year.</p><p></p><ul><li>Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. </li><li>Please visit americanexpress.com/benefitsguide for more details. </li><li>Underwritten by AMEX Assurance Company.</li></ul><p></p>
I'd only recommend this card if you frequently fly Delta, as you can earn 3X miles per dollar spent on purchases made directly with Delta and at hotels; 2X miles per dollar spent at restaurants worldwide, plus takeout and delivery in the U.S., and at U.S. supermarkets; and 1X miles for every dollar spent on all other eligible purchases. Plus you get other benefits when traveling Delta, such as 15% off when you book travel with miles on Delta flights using Delta.com, 20% back on in-flight purchases, and a $150 Delta Stays credit when you book through Delta Stays using your American Express credit card.
If you don't fly Delta often, the other rewards categories are pretty common for most cash back cards, so it wouldn't be worth the annual fee unless you earn at least $350 in rewards flying Delta.
Get more details at our Delta SkyMiles Platinum review.
Mastercard® Titanium Card™
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- 24/7 Luxury Card Concierge
- Hotel benefits, such as room upgrades, free Wi-Fi, and daily breakfast for two
- Trip cancellation/interruption and baggage delay insurance
- Auto rental collision waiver
- Travel accident insurance
- No foreign transaction fees
I'd recommend the Mastercard® Titanium Card™ only if you fly often as it offers some of the highest redemption rewards for airline tickets, even compared to Chase Sapphire Preferred with its potential bonus value you get when you book through Chase Travel. Cardholders get 2% for airfare redemptions and 1% for cash back, so it makes sense to save points strictly for airline tickets. For example, 50,000 points would earn you a $1,000 plane ticket and there aren't any blackout dates.
The downside is you only earn one point per dollar spent in any category which is much lower than most of the cards on this list.
Get more details in our Mastercard® Titanium Card™ review.
The right travel card for you is the one that matches your interests and spending habits, allowing you to earn valuable rewards and travel the way you like — for less. Learn more about these top cards and choose what's best for you.
»Compare Travel Credit CardsCashback credit cards
If you prefer a cash rewards credit card over earning points and miles, these cards may be a good fit.
Prime Visa
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- Limited-Time Offer: Get a $250 Amazon Gift Card instantly upon approval exclusively for Prime members
- Best Amazon Gift Card offer for Prime Visa
- Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel purchases with an eligible Prime membership
- Prime Card Bonus: Earn 10% back or more on a rotating selection of items and categories on Amazon.com with an eligible Prime membership
- Earn unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare)
- Earn unlimited 1% back on all other purchases
- No annual credit card fee
- No more waiting. Redeem daily rewards at Amazon.com as soon as the next day
- Member FDIC
- Auto rental coverage
- Baggage delay and lost luggage insurance
- Travel accident insurance
- Purchase protection
- Extended warranty
If you're an Amazon Prime member, you'll benefit the most from this card, and if you shop Amazon frequently, a Prime membership makes sense. However, even if you aren't, there are still benefits. You earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership, unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare), and unlimited 1% on all other purchases.
The feature I love the most is that rewards are available as soon as the next day and you can redeem them on Amazon, which I consider cash back. You can also save them up and redeem on Chase.com for typical rewards, like travel, cash back, or gift cards.
*Please note that some cardholders have recently stated that the new cards they are receiving are plastic and not metal.
Find out more in our Prime Visa(Rates and fees) review.
Metal business credit cards
If you have business-related expenses, you may be better off with a business credit card than a personal card. Here are a few business cards that are made of metal.
American Express® Business Gold Card
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- Welcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
- Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
- Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
- Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.*
- Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.*
- The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
- *Terms Apply
- Up to $240 worth of annual credits for eligible U.S. business expenses at FedEx, Grubhub, and office supply stores
- Foreign transaction fees: None
- Baggage insurance3 <p>Baggage Insurance Plan coverage can be in effect for Eligible Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier (e.g. plane, train, ship, or bus) when the entire fare for a Common Carrier Vehicle ticket for the trip (one-way or round-trip) is charged to an eligible Account. Coverage can be provided for up to $1,250 for carry-on Baggage and up to $500 for checked Baggage, in excess of coverage provided by the Common Carrier (e.g. plane, train, ship, or bus). For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip.</p><p></p><ul><li>Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. </li><li>Please visit americanexpress.com/benefitsguide for more details. </li><li>Underwritten by AMEX Assurance Company.</li></ul><p></p>
- Car rental coverage4 <p>Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply.</p><p></p><ul><li>Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. </li><li>Please visit americanexpress.com/benefitsguide for more details. </li><li>Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.</li></ul><p></p>
- Trip delay insurance7 <p>Up to $300 per Covered Trip that is delayed for more than 12 hours; and 2 claims per Eligible Card per 12 consecutive month period.</p><p></p><ul><li>Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. </li><li>Please visit americanexpress.com/benefitsguide for more details. </li><li>Underwritten by New Hampshire Insurance Company, an AIG Company.</li></ul><p></p>
- Purchase protection8 <p>When an American Express® Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. The coverage is limited up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year.</p><p></p><ul><li>Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. </li><li>Please visit americanexpress.com/benefitsguide for more details.</li><li>Underwritten by AMEX Assurance Company.</li></ul><p></p>
- Extended warranty6 <p>When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year.</p><p></p><ul><li>Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. </li><li>Please visit americanexpress.com/benefitsguide for more details. </li><li>Underwritten by AMEX Assurance Company.</li></ul><p></p>
Finding the right business card is a big decision. I like the American Express Business Gold Card because it rewards you in your top two spending categories from a small list of six eligible categories on up to $150,000 spent annually. The most rewarding category is U.S. advertising, something which most businesses need and is where I think the card's sweet spot is, otherwise the categories include U.S. restaurant purchases, U.S. gas station purchases, transit costs, and monthly wireless bills from a U.S. service provider.
The other rewards aren't bad either, including 3X on flights and prepaid hotels booked at amextravel.com and 1X points on other eligible purchases.
Get more details at our American Express Business Gold Card review.
The Business Platinum Card® from American Express
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- Elevated Welcome Offer: Earn 200,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Business Platinum Card® within the first 3 months of Card Membership.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 07/2025.
- See how you can unlock over $3,500 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
- New! Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay.
- No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
- Make the Business Platinum Card® work even harder for you. Hilton For Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Benefit enrollment required.
- Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
- Use the Business Platinum Card and get up to $209 back per calendar year on your CLEAR® Plus Membership (subject to auto-renewal).
- Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
- New! Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
- New! Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
- Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
- Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required.
- Enhanced! 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
- 5X points on flights and prepaid hotels on AmexTravel.com
- 1X points on other eligible purchases
- $895 Annual Fee.
- Terms Apply.
- Access to the Global Lounge Collection with more than 1,550 airport lounges
- Marriott Bonvoy Gold Elite and Hilton Honors Gold status
- A fee credit for TSA PreCheck or Global Entry
- Premium car rental privileges
- Trip delay/cancellation/interruption insurance10 <p>The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period.</p><p></p><ul><li>Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. </li><li>Please visit americanexpress.com/benefitsguide for more details. </li><li>Underwritten by New Hampshire Insurance Company, an AIG Company.</li></ul><p></p>
- Car rental insurance11 <p>Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. </p><p></p><ul><li>Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. </li><li>Please visit americanexpress.com/benefitsguide for more details. </li><li>Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.</li></ul><p></p>
- Baggage insurance coverage12 <p>Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one-way or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on Baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip.</p><p></p><ul><li>Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. </li><li>Please visit americanexpress.com/benefitsguide for more details. </li><li>Underwritten by AMEX Assurance Company.</li></ul><p></p>
- Vendor Pay by Bill.com
- Seamlessly connect to QuickBooks
If you travel frequently for business, you can earn 5X points on flights and prepaid hotels on AmexTravel.com; 2X points on purchases at U.S. suppliers of construction materials and hardware, U.S. retailers of electronic goods, U.S. providers of shipping, software and cloud systems, and on each eligible purchase of $5,000 or more (up to $2 million per year, then 1X), and 1X points per $1 spent on all other eligible purchases (purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus). The card also includes hefty credits, such as up to $150 in statement credits on U.S. purchases directly with Dell (and an additional $1,000 statement credit after you spend $5,000 or more on that same card per calendar year), up to $360 in statement credits back from Indeed purchases, a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year, and up to $120 back on wireless purchases. Plus you get an up to $200 statement credit per year on the airline of your choice and an up to $209 CLEAR® Plus statement credit (subject to auto-renewal). Select benefits require enrollment. Terms apply.
While the annual fee on this card is high, if you travel frequently enough, you can quickly make back the fee and then some.
Get more details at The Business Platinum Card from American Express review.
Luxury travel metal credit cards
If you travel on the regular and want a VIP experience every time, these luxury cards can make the difference you're looking for. Just be prepared for the likelihood that you'll need an excellent credit score as well.
American Express Platinum Card®
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- Enjoy hundreds of dollars in annual credits (enrollment required for select benefits)
- Gain access to exclusive airport lounges worldwide (enrollment required)
- Elevate your hotel stays with elite status perks (enrollment required)
- Earn valuable Membership Rewards points on flights and hotels
- Protect your trips with top-notch travel insurance
- Marriott Bonvoy and Hilton Honors Gold status
- Access to the American Express Global Lounge Collection
- Platinum travel service
- Premier car rental services from major carriers
- Car rental insurance11 <p>Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. </p><p></p><ul><li>Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. </li><li>Please visit americanexpress.com/benefitsguide for more details. </li><li>Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.</li></ul><p></p>
- Trip delay/cancellation/interruption insurance10 <p>The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period.</p><p></p><ul><li>Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. </li><li>Please visit americanexpress.com/benefitsguide for more details. </li><li>Underwritten by New Hampshire Insurance Company, an AIG Company.</li></ul><p></p>
- Purchase protection5 <p class="">Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. It can help protect Covered Purchases made on your Eligible Card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the Covered Purchase date. The coverage is limited up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Coverage Limits Apply. <br></p><p></p><ul><li>Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. </li><li>Please visit americanexpress.com/benefitsguide for more details.</li><li>Underwritten by AMEX Assurance Company.</li></ul><p></p>
The hefty annual fee on this card makes it best for frequent luxury travelers. You can earn 5X points per dollar spent on eligible airfare (on up to $500,000 per calendar year, after that 1X) and eligible hotel purchases, and 1X points per dollar on all other eligible purchases. The nice thing is you can book airline tickets directly through the airlines and still get credit, but you must still book your hotels through AmexTravel.com.
Between the 5X points on flights booked directly with airlines or with American Express Travel® (on up to $500,000 per calendar year, after that 1X) and prepaid hotels booked with American Express Travel®, and the numerous credits, it's easy to spend enough to make up for the annual fee, as long as you'll use the credits and other perks, including:
- Up to $600 annual hotel credit when booking Fine Hotels + Resorts or The Hotel Collection
- Up to $200 annual airline credit from the airline of your choice
- Up to $200 Uber Cash annually when you use your card to pay for Uber Eats or rides; plus, you can receive up to $120 in annual Uber One credits to cover fees for this delivery and rideshare subscription.
- Up to $209 CLEAR® Plus credit
- Fee credit for TSA PreCheck or Global Entry
Even just a couple of these credits plus points earned from luxury travel could essentially cover the annual fee.
Get more details at the American Express Platinum Card® review.
Chase Sapphire Reserve®
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- Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
- Get more than $2,700 in annual value with Sapphire Reserve.
- Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
- $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck® every 4 years
- Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
- Get complimentary Apple TV+, the exclusive streaming home of Apple Originals. Plus Apple Music — all the music you love, across all your devices. Subscriptions run through 6/22/27 — a value of $250 annually
- Member FDIC
- $300 annual travel credit
- Complimentary airport lounge access
- Fee credit for Global Entry or TSA PreCheck
- Auto rental coverage
- Trip cancellation and interruption insurance
- Travel accident insurance
- Baggage delay or lost luggage insurance
The Chase Sapphire Reserve®(Rates and fees) combines the strength of the Chase Travel program and a suite of elite travel perks. Cardholders earn 8x points on all purchases through Chase Travel℠ (including The Edit℠), 4x points on flights and hotels booked direct, 3x points on dining worldwide & 1x points on all other purchases. You'll get the greatest benefits from using this card for travel, but you'lll still earn 1X points on all other purchases.
When redeeming rewards, I suggest going through Chase Travel as you'll get up to 2x more value for them and can maximize your rewards. You can also transfer your points to the bank's travel partners.
Get more details at our Chase Sapphire Reserve review.
Citi® / AAdvantage® Executive Card
- No foreign transaction fee
- First checked bag free
- 25% off in-flight purchases
- Credits on Lyft, Avis, and Budget purchases
- Global Entry or TSA PreCheck credit
- Trip cancellation and interruption insurance
If American Airlines is your airline of choice, you may more than benefit from the Citi / AAdvantage Executive World Elite Mastercard. You'll earn 10X miles on hotels booked through aadvantagehotels.com and eligible car rentals booked through aa.com/cars, 4X miles on eligible American Airlines purchases (after spending $150,000 per calendar year this increases to 5X for the remainder of the calendar year), and 1X miles for every $1 spent on other purchases. The annual fee is $595.
While this credit card has the typical benefits like Global Entry or TSA PreCheck credit and trip cancellation and interruption insurance, the real standout benefits include:
- Complimentary Admirals Club membership
- Priority check-in at the airport
- Dedicated concierge service
While you will likely make up for the annual fee quickly, the above benefits make it well worth the cost.
Find out more in our Citi / AAdvantage Executive World Elite Mastercard review.
Marriott Bonvoy Brilliant® American Express® Card
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- Awards one free night at Marriott annually when you renew your card
- Provides automatic Platinum Elite status, which is great for frequent Marriott guests
- Includes free Priority Pass™ Select membership with access to 1,200 airport lounges for you and two guests
- Up to $25 per month dining credit when you dine at eligible restaurants
- Marriott Bonvoy® Platinum Elite Status
- Up to a $100 property credit for qualifying charges at The Ritz-Carlton® or St. Regis® when you book direct using a special rate for a two-night minimum stay
- Priority Pass™ Select
- Car rental coverage11 <p>Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. </p><p></p><ul><li>Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. </li><li>Please visit americanexpress.com/benefitsguide for more details. </li><li>Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.</li></ul><p></p>
- Trip delay/cancellation/interruption insurance13 <p>Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period. </p><p></p><ul><li>Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. </li><li>Please visit americanexpress.com/benefitsguide for more details. </li><li>Underwritten by New Hampshire Insurance Company, an AIG Company.</li></ul><p></p> 10 <p>The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period.</p><p></p><ul><li>Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. </li><li>Please visit americanexpress.com/benefitsguide for more details. </li><li>Underwritten by New Hampshire Insurance Company, an AIG Company.</li></ul><p></p>
- Baggage insurance12 <p>Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one-way or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on Baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip.</p><p></p><ul><li>Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. </li><li>Please visit americanexpress.com/benefitsguide for more details. </li><li>Underwritten by AMEX Assurance Company.</li></ul><p></p>
- Purchase protection5 <p class="">Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. It can help protect Covered Purchases made on your Eligible Card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the Covered Purchase date. The coverage is limited up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Coverage Limits Apply. <br></p><p></p><ul><li>Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. </li><li>Please visit americanexpress.com/benefitsguide for more details.</li><li>Underwritten by AMEX Assurance Company.</li></ul><p></p>
- Extended warranty6 <p>When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year.</p><p></p><ul><li>Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. </li><li>Please visit americanexpress.com/benefitsguide for more details. </li><li>Underwritten by AMEX Assurance Company.</li></ul><p></p>
- Return protection14 <p>With Return Protection, you may return eligible purchases to American Express if the seller won't take them back up to 90 days from the date of purchase. American Express may refund the full purchase price excluding shipping and handling, up to $300 per item, up to a maximum of $1,000 per calendar year per Card account, if you purchased it entirely with your eligible American Express® Card. Purchases must be made in the U.S. or its territories.</p><p></p><ul><li>Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. </li><li>Please visit americanexpress.com/benefitsguide for more details.</li></ul><p></p>
If you're a fan of Marriott Bonvoy hotels, the Marriott Bonvoy Brilliant American Express card may add a lot of value to your experience. Cardholders earn 6X points on eligible purchases at hotels participating in the Marriott Bonvoy® program, 3X points at worldwide restaurants and on flights booked directly with airlines, and 2X points on all other eligible purchases.
You also get one free night annually during your card anniversary month, plus if you spend over $60,000 annually, you get to choose a reward from the following:
- 5 nightly upgrade rewards
- 1 free night reward
- $1,000 off a Marriott Bonvoy bed
Plus this card offers the most extra perks I've seen in a credit card.
Get more details at our Marriott Bonvoy Brilliant American Express card review.
Mastercard® Black Card™
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- 24/7 concierge service
- $120 Global Entry or TSA PreCheck credit
- $100 airline credit to an airline of your choice
- VIP Priority Pass Select Lounge access
- Trip cancellation/interruption insurance
- Auto rental coverage
- Travel accident insurance
- Baggage delay insurance
- Access to Mastercard special offers
The Mastercard® Black Card™ is an elite travel card that provides luxury perks you can't get with most other metal credit cards. Cardholders can redeem their rewards for airfare at a rate of 2% and will get 1.5% back when they redeem for anything else.
The 2% airfare redemption value is an incredible value, but this card also includes many luxurious benefits that frequent fliers may enjoy that make the higher annual fee worth it.
Get more information in our Mastercard® Black Card™ review.
Delta SkyMiles® Reserve American Express Card
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- Earn 70,000 bonus miles after spending $5,000 in eligible purchases in the first 6 months
- Generous rewards rate for Delta flyers
- Complimentary Sky Club and Centurion Lounge access
- More than $500 in statement credits each calendar year
- Complimentary Delta SkyClub access (15 complimentary visits each Medallion year; Unlimited access with $75,000 in purchases in a calendar year)
- 15% off reward travel booked through Delta.com
- Four one-time guest passes to Delta SkyClub
- Complimentary access to Centurion Lounge
- Annual companion certificate (excludes taxes and fees; Delta Basic experiences are not eligible for this benefit.)
- Complimentary upgrade list
- Up to $120 in rideshare statement credits annually
- Fee credit for Global Entry or TSA PreCheck
- Up to $200 in statement credits if you book a hotel stay through Delta Stays
- First checked bag free
- Baggage insurance3 <p>Baggage Insurance Plan coverage can be in effect for Eligible Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier (e.g. plane, train, ship, or bus) when the entire fare for a Common Carrier Vehicle ticket for the trip (one-way or round-trip) is charged to an eligible Account. Coverage can be provided for up to $1,250 for carry-on Baggage and up to $500 for checked Baggage, in excess of coverage provided by the Common Carrier (e.g. plane, train, ship, or bus). For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip.</p><p></p><ul><li>Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. </li><li>Please visit americanexpress.com/benefitsguide for more details. </li><li>Underwritten by AMEX Assurance Company.</li></ul><p></p>
- Trip delay/cancellation/interruption insurance13 <p>Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period. </p><p></p><ul><li>Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. </li><li>Please visit americanexpress.com/benefitsguide for more details. </li><li>Underwritten by New Hampshire Insurance Company, an AIG Company.</li></ul><p></p> 10 <p>The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period.</p><p></p><ul><li>Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. </li><li>Please visit americanexpress.com/benefitsguide for more details. </li><li>Underwritten by New Hampshire Insurance Company, an AIG Company.</li></ul><p></p>
- Car rental coverage11 <p>Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. </p><p></p><ul><li>Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. </li><li>Please visit americanexpress.com/benefitsguide for more details. </li><li>Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.</li></ul><p></p>
- Extended warranty6 <p>When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year.</p><p></p><ul><li>Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. </li><li>Please visit americanexpress.com/benefitsguide for more details. </li><li>Underwritten by AMEX Assurance Company.</li></ul><p></p>
- Purchase protection5 <p class="">Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. It can help protect Covered Purchases made on your Eligible Card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the Covered Purchase date. The coverage is limited up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Coverage Limits Apply. <br></p><p></p><ul><li>Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. </li><li>Please visit americanexpress.com/benefitsguide for more details.</li><li>Underwritten by AMEX Assurance Company.</li></ul><p></p>
You really only benefit from the Delta SkyMiles® Reserve American Express Card if you fly Delta frequently. You earn 3X miles per dollar spent on purchases made directly with Delta and 1X miles for all other eligible purchases, so if you don't fly Delta, the annual fee doesn't make sense to pay. Plus there are many other cash back credit cards that pay more on most categories.
But if you fly Delta, there are plenty of other benefits besides the elevated miles on Delta purchases to enjoy. I encourage you to ensure it makes sense with the high annual fee so you come out ahead each year.
Get more details at our Delta SkyMiles Reserve review.
What are metal credit cards made of?
Depending on the card, it could be made of brass, copper, brushed stainless steel, gold, or palladium. Some cards are made from alloys or a combination of plastic and metal.
The weights of metal cards also vary — here are a few cards we weighed to compare:
- The Business Platinum Card® from American Express weighs 0.7 ounces
- Chase Sapphire Reserve weighs 0.5 ounces
- Regular plastic cards, on average, weigh about 0.2 ounces
Metal credit cards are heavier and sturdier than plastic credit cards and can add a little prestige to your experience. But they're more difficult to destroy if you decide you want to close your account. Also, they may set off metal detectors at the airport and other places that require similar screening.
FAQs
What is the heaviest metal credit card?
The heaviest metal credit card is the J.P. Morgan Reserve, an invite-only rewards card from Chase that weighs 27 grams. For comparison, the American Express Platinum Card® weighs around 18 grams, and the Chase Sapphire Reserve weighs about 13 grams.
Are metal credit cards better?
Metal credit cards tend to feel and look better than many non-metal cards, and these aesthetic differences can often be a good indicator of increased rewards and benefits as well. Many premium credit cards are made out of metal and offer more benefits than their non-premium counterparts.
But this doesn't always mean that metal credit cards are the best cards available and non-metal credit cards are worthless. For example, many Chase cards, such as the Chase Freedom Unlimited® and Chase Freedom Flex®, aren't made out of metal, but still provide a useful rewards rate and benefits for everyday cashback earning.
How do I destroy a metal credit card?
Major credit card companies that issue metal credit cards will typically provide postage-paid envelopes to send an old metal credit card back if you want it destroyed. This is an easy and free option, as most common shredders and pairs of scissors won't be up to the task. You might also be able to stop by a local branch of your card company to have your card destroyed there.
Bottom line
Metal credit cards are becoming more accessible than ever, and some of them don't even have an annual fee. As you consider different travel credit cards and other rewards cards, it's important to view them holistically to find the right new card for you. Check out our list of the best travel credit cards for more information.
If the best credit card for you happens to also be made of metal, you'll get the extra "wow" factor that comes with it. If not, you can still have the certainty that you're getting the best value that you qualify for.
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Current Offer
Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Annual Fee
$95
Rewards Rate
5X points on travel purchased through Chase Travel℠; 3X points on dining, select streaming services, and online groceries; 2X points on all other travel purchases, and 1X points on all other purchases