The 23 Best Metal Credit Cards of 2022

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. Here’s what you need to know about metal credit cards and how to pick the right one.

What’s the deal with metal credit cards?

The first metal credit cards made their debut in the 1920s when department stores began issuing metal charge plates and coins that allowed customers to buy on credit. However, those “cards” were designed to be used at one store only.

When the first multi-purpose charge card, the Diners Club card, came around in 1950, it was made of cardboard and could be used at 28 different restaurants and two hotels. In 1958, when Bank of America created the first general-purpose credit card, which is what we’re used to today, plastic became the norm.

Then in 1999, American Express launched its exclusive The Centurion Card from American Express, which was made of titanium. This introduction gave rise to other luxury metal credit cards, including the Visa Black Card — now the Mastercard^® Black Card™ — and more.

Now there are more than a dozen metal credit cards on the market. While some have steep annual fees, others are much more affordable, making it possible for just about anyone to have one in their wallet.

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.

23 metal credit cards to consider

If you like the idea of having a metal credit card, there are plenty of options from which you can choose. Here are a couple dozen different cards from major credit card issuers to compare.

4 metal credit cards for frequent travelers

If you enjoy travel but can’t stomach a high annual fee, these cards could give you the benefits and travel rewards you want, plus the heft of a metal design.

Chase Sapphire Preferred^® Card

Overview: The Chase Sapphire Preferred offers 5X points on Lyft rides and travel booked through Chase Ultimate Rewards; 3X points on eligible dining, select streaming services, and online grocery purchases; 2X points on travel; and 1X points per $1 on all other eligible purchases. 

The Chase Ultimate Rewards program is one of the best rewards credit cards for frequent travelers, and you’ll get 25% more value if you redeem your points for travel through Chase. You can also potentially get more value when you transfer your rewards to one of Chase’s travel partners. The card’s annual fee is $95, which is modest in comparison to the Chase Sapphire Reserve.

Sign-up bonus: Earn 60,000 points after spending $4,000 on purchases in the first 3 months

Other perks: You’ll get various travel protections, including trip cancellation and interruption insurance, primary rental car insurance, trip delay reimbursement, delayed luggage reimbursement, and more. Each year on your card anniversary, you will also earn bonus points equal to 10% of the total purchases you made in the previous year.

Get more details at our Chase Sapphire Preferred Card review.

Capital One Venture Rewards Credit Card

Overview: The Capital One Venture Rewards Credit Card offers 2X miles per dollar on every purchase, every day; 5X miles on hotels and rental cars booked through Capital One Travel and 5X miles per dollar when you book on Turo through May 16, 2023. You can redeem your rewards for just about any type of travel by using the card to book your travel and then using miles to get a statement credit against the purchase. The card’s annual fee is $95.

Early spend bonus: Earn a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening

Other perks: The card offers an application fee credit of up to $100 every four years for TSA PreCheck or Global Entry. You’ll also get travel accident insurance and the option to create temporary credit card numbers for secure online shopping.

American Express^® Gold Card

Overview: The American Express Gold Card carries a relatively high annual fee of $250. But people who spend a lot on dining, groceries, and travel could easily make up for it. You’ll earn 4X Membership Rewards points at U.S. supermarkets (up to $25,000 per year, after that 1X) and at restaurants, plus takeout and delivery in the U.S., 3X on flights booked directly with airlines or on Amextravel.com, and 1X on all other eligible purchases.

Welcome bonus: Earn 60,000 Membership Rewards points after you make $4,000 in purchases within the first 6 months of card membership

Other perks: The card offers up to $120 each year in dining credits with participating retailers and food delivery services. Select benefits require enrollment.

Get more details at our American Express Gold Card review.

IHG^® Rewards Premier Credit Card

Overview: If you’re loyal to the IHG hotel brand, the IHG Rewards Premier Credit Card may be a no-brainer. You’ll earn 26X points per $1 spent on stays at IHG hotels; 5X points on travel, gas stations, and restaurants; and 3X points on other purchases. You’ll also get platinum elite status with IHG. The annual fee is $99.

Sign-up bonus: Earn 140,000 points after spending $3,000 in the first three months

Other perks: Cardholders will receive one free night stay every year that’s worth up to 40,000 points. You’ll also get your fourth night free when you use points to book a hotel stay of three or more nights.

2 metal credit cards for cashback enthusiasts

If you prefer a cash rewards credit card over earning points and miles, these cards may be a good fit.

Capital One Savor Cash Rewards Credit Card

Overview: The Capital One Savor Rewards Credit Card is a solid choice for foodies. It offers 10% cash back on purchases made through Uber & Uber Eats (through 11/14/2024); 8% cash back on Capital One Entertainment; 4% cash back on dining, entertainment, and select streaming services; 3% at grocery stores (excluding superstores such as Walmart® and Target®), and 1% cash back on all other purchases. The annual fee is $95.

Early spend bonus: Earn a $300 cash bonus after spending $3,000 in the first 3 months

Other perks: The card provides access to curated culinary experiences, as well as discounts and VIP packages at music and sporting events.

Mastercard^® Titanium Card™

Overview: The Mastercard Titanium Card offers 1X point per dollar spent on all purchases, and gives you one cent per dollar on cash back redemptions and two cents per dollar on airfare redemptions. While that’s not overly impressive, the card does come with some luxury travel benefits.

Sign-up bonus: N/A

Other perks: The card comes with several travel benefits, including chauffeured transportation, cruise privileges, charter services, global luggage delivery, car rental discounts and upgrades, and various trip protections.

3 metal credit cards with no annual fee

Apple Card

Overview: The Apple Card charges absolutely no fees, and is primarily designed for use with Apple Pay — you’ll get a physical card, but it won’t have your card number on it. You’ll earn 3% cash back on Apple purchases and when you use Apple Pay for purchases from select partners, 2% on other purchases made with Apple Pay, and 1% cash back on everything else. Cash back is paid out daily.

Sign-up bonus: N/A

Other perks: The card’s primary benefits are its integration with the Wallet app along with its security. It uses a virtual card number for apps and websites, comes with a physical card with no numbers on it, and doesn’t track purchase data through Apple Pay.

Amazon Prime Rewards Visa Signature Card

Overview: While the Amazon Prime Rewards Visa Signature Card has a $0 annual fee, it’s only available to Amazon Prime members. The card offers 5% cash back at Amazon.com and Whole Foods Market; 2% at restaurants, gas stations, and drugstores; 1% on all other purchases. You can redeem your rewards on Amazon.com or as cash back.

Sign-up bonus: Earn a $150 Amazon gift card upon approval.

Other perks: The card offers travel accident insurance, lost luggage reimbursement, baggage delay insurance, travel and emergency assistance services, and more.

Amazon Business Prime American Express Card

Overview: The Amazon Business Prime American Express Card is designed for business owners who have an Amazon Prime or Business Prime membership. The card itself, however, has a $0 annual fee. It offers 5% back in Amazon Rewards points or no interest for 90 days on U.S. Amazon Business, AWS, Amazon.com, and Whole Foods purchases (on up to $120,000 in purchases per calendar year, after that 1%); 2% back at U.S. restaurants, U.S. gas stations, and purchases with U.S. wireless providers; and 1% back on all other eligible purchases.

Welcome bonus: Earn a $125 Amazon gift card upon approval.

Other perks: The card offers enhanced data views for your purchases, the ability to add receipts and notes to transactions, free employee cards, and various purchase and travel protections.

2 metal credit cards for business owners

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

Overview: The American Express Business Gold Card has a steep $295 annual fee but makes up for it with flexible rewards and perks. You’ll earn 4X Membership Rewards points for the first $150,000 spent in two select categories each year (after that 1X), and 1 point per $1 spent on other eligible purchases. 

When redeeming your rewards, you’ll get 25% more value if you use them to book flights using Pay with Points. You can also transfer them to Amex travel partners for potentially more value.

Welcome bonus: Earn 70,000 Membership Rewards points after spending $10,000 in the first 3 months

Other perks: In addition to a valuable rewards program, you’ll also get free employee cards and no foreign transaction fees.

Get more details at our American Express Business Gold Card review.

The Business Platinum Card^® from American Express

Overview: The Business Platinum Card from American Express is a premium business card. While it carries a $695 annual fee, frequent travelers and big spenders will likely have an easy time getting that back and more each year. You’ll get 5X points on flights and prepaid hotels on Amextravel.com; 1.5X points on eligible 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 eligible purchases of $5,000 or more (up to $2 million per year, then 1X); and 1X points per $1 spent on all other eligible purchases.

Welcome bonus: Earn 120,000 Membership Rewards points after spending $15,000 on eligible purchases in the first 3 months

Other perks: The card is packed with benefits, including a $200 annual Dell credit, complimentary access to more than 1,200 airport lounges worldwide (including the Centurion Lounges), an application fee credit for TSA PreCheck or Global Entry, hotel elite status, and more. Select benefits require enrollment.

Get more details at The Business Platinum Card from American Express review.

8 metal credit cards for luxury travelers

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.

The Platinum Card^® from American Express

Overview: The Platinum Card from American Express is a rewards card that offers significant travel perks, a generous welcome bonus, and a flexible rewards program. Cardmembers 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. This card’s annual fee is $695.

Welcome bonus: Earn 80,000 Membership Rewards points after spending $6,000 in the first 6 months

Other perks: Like the business version, this card provides several elite benefits that make the annual fee easier to justify. You’ll get $200 in annual Uber credits and $100 in Saks Fifth Avenue credits each year. You’ll also get complimentary airport lounge access to several different networks, an application fee credit for TSA PreCheck or Global Entry, hotel and car rental elite status, and more. Select benefits require enrollment.

Get more details at The Platinum Card from American Express review.

Chase Sapphire Reserve^®

Overview: The Chase Sapphire Reserve combines the strength of the Ultimate Rewards program and a suite of elite travel perks. Cardholders earn 10X points on Lyft rides, Chase Dining purchases, hotels and cars booked via Ultimate Rewards; 5X points on flights booked via Ultimate Rewards; 3X points on travel and dining; and 1X points on everything else. 

When redeeming rewards, you’ll get 50% more value if you use points to book travel through Chase. Alternatively, you can transfer your points to the bank’s travel partners. The card has a $550 annual fee.

Sign-up bonus: Earn 80,000 points after spending $4,000 on purchases in the first 3 months

Other perks: The card offers a slew of perks, including an annual $300 travel credit, an application fee credit for TSA PreCheck or Global Entry, and complimentary access to Priority Pass airport lounges. You’ll also get access to various trip protections, including primary rental car insurance, trip cancellation and interruption insurance, lost luggage reimbursement, emergency evacuation and transportation, and more.

Get more details at our Chase Sapphire Reserve review.

U.S. Bank Altitude^® Reserve Visa Infinite^® Card

Overview: While the U.S. Bank Altitude Reserve Visa Infinite card isn’t as much of a heavy-hitter as other general premium credit cards, it still packs a punch for existing U.S. Bank customers. You’ll get 5X on prepaid hotel and car rentals booked in the Altitude Rewards Center; 3X points on eligible travel and mobile wallet purchases; and 1X points for all other eligible purchases. The annual fee is $400.

Sign-up bonus: Earn a 50,000 point bonus after spending $4,500 in the first 90 days

Other perks: Card benefits include up to a $325 annual travel credit, a 12-month membership to Priority Pass lounges, an application fee credit for TSA PreCheck or Global Entry, 12 complimentary Gogo Inflight WiFi passes each year, and chauffeur and rental car perks.

Citi^® / AAdvantage^® Executive World Elite Mastercard^®

Overview: If you book air travel often and prefer American Airlines, the Citi / AAdvantage Executive World Elite Mastercard could provide benefits that go above and beyond the typical priority boarding and free checked bags. You’ll earn 2X miles on eligible American Airlines purchases and 1X miles for every $1 spent on other purchases. The annual fee is $450.

Sign-up bonus: Earn 50,000 American Airlines AAdvantage bonus miles after spending $5,000 in the first 3 months

Other perks: The card offers priority check-in, priority airport screening, and preferred boarding for you and up to eight others on your flight reservation. You’ll also get an application fee credit for TSA PreCheck or Global Entry, Admirals Club lounge membership, a 25% discount on in-flight food and drinks, and 10,000 Loyalty Points when you spend $40,000 or more in a year.

United Club℠ Infinite Card

Overview: Frequent United flyers could find incredible value in the United Club Infinite Card, including lounge access and other common airline card perks. Cardholders earn 4X miles on United purchases; 2X miles on other travel and dining (including eligible delivery services), 1X miles on all other purchases. The card’s annual fee is $525.

Sign-up bonus: Earn 100,000 bonus miles after spending $5,000 on purchases in the first 3 months.

Other perks: Unlike most airline cards, this card gives you your first and second checked bag free. You’ll also get United Club lounge membership, Premier Access, IHG Rewards Platinum Elite status, $75 IHG credit through Dec. 31, 2022, and more.

Get more details at our United Club Infinite Card review.

Marriott Bonvoy Brilliant^® American Express^® Card

Overview: 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. The card’s annual fee is $650.

Welcome bonus: Earn 150,000 Marriott Bonvoy bonus points after spending $5,000 on purchases in the first three months

Other perks: The card offers a $300 annual ($25 per month) statement credit toward eligible dining purchases, one free night worth up to 85,000 points for your account anniversary, complimentary Platinum Elite status, Priority Pass Select membership, and more. Select benefits require enrollment.

Get more details at our Marriott Bonvoy Brilliant American Express card review.

Mastercard^® Black Card™

Overview: 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.

Sign-up bonus: N/A

Other perks: Cardholders get access to several perks, including a $100 annual airline credit, luxury gifts, cruise privileges, charter services, chauffeured transportation, airport meet and assist, a Global Entry or TSA PreCheck application fee credit, Priority Pass Select lounge access, and more.

Mastercard^® Gold Card™

Overview: The Mastercard® Gold Card™️ has the highest annual fee of any of the cards on our list at $995. But that cost may be worth it for some who like the card’s prestige and the perks it provides. The card has a 24-carat gold-plated design and cardholders can redeem their points at a 2% rate for airfare and cash back rewards.

Sign-up bonus: N/A

Other perks: Cardholders will receive luxury gifts, as well as have access to global luggage delivery, cruise privileges, charter services, chauffeured transportation, airport meet and assist, a $200 annual airline credit, a Global Entry or TSA PreCheck application credit, Priority Pass lounge access, and invitation-only, once-in-a-lifetime experiences through Mastercard Priceless.

FAQs

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.

Methodology

To select the best metal credit cards, we started with credit cards that are made out of metal and compared annual fees, travel perks, welcome offers, and rewards rates. We did not include all cards available.

Our #1 Travel Card

Chase Sapphire Preferred^® Card

Chase Sapphire Preferred^® Card

Learn How to Apply

Current Offer

Earn 60,000 points after spending $4,000 on purchases in the first 3 months

Annual Fee

$95

Rewards Rate

5X points on Lyft rides and travel booked through Chase Ultimate Rewards; 3X points on eligible dining, select streaming services, and online grocery purchases; 2X points on travel; and 1X points per $1 on all other eligible purchases

Benefits and Drawbacks

Benefits

• Earn 60,000 points after spending $4,000 on purchases in the first 3 months
• 5X points on Lyft rides and travel booked through Chase Ultimate Rewards
• 25% more value when redeeming rewards for travel through Chase Ultimate Rewards
• 10% anniversary point bonus each year
• $50 annual credit on hotel stays booked through Ultimate Rewards
• Premium travel protection benefits

Drawbacks

• Has annual fee
• Typically need to spend thousands to reap rewards

Card Details

• Earn 60,000 points after spending $4,000 on purchases in the first 3 months
• 5X points on Lyft rides and travel booked through Chase Ultimate Rewards; 3X points on eligible dining, select streaming services, and online grocery purchases; 2X points on travel; and 1X points per $1 on all other eligible purchases

Author Details

Ben Luthi Ben is a personal finance and travel writer who loves helping people achieve their money goals. Along with FinanceBuzz, his writing has also been featured on U.S. News, NerdWallet, Experian, Credit Karma, and more.

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