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The 17 Best Metal Credit Cards of 2025

Metal credit cards look great and may make you feel "elite," but it's important to go beyond the looks.

By Ben Luthi
and Samantha Hawrylack

Edited by Yahia Barakah, CEPF

Updated July 3, 2025

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 evaluate products

Comparison of the best metal credit cards

	Excellent for	Rewards rate	Annual fee
Chase Sapphire Preferred^® Card	Travelers comfortable using Chase Travel	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	$95
Capital One Venture Rewards Credit Card	Travelers looking for flat rate earnings	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 through 12/31/25	$95
American Express^® Gold Card	People who spend a lot on food	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	$325
Delta SkyMiles^® Platinum American Express Card	Frequent Delta flyers	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	$350
Mastercard^® Titanium Card™	Frequent fliers	1X point per dollar spent on all purchases	$195
Apple Card	Apple Pay users	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	$0
Prime Visa	Amazon shoppers	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	$0
American Express^® Business Gold Card	Business with a large advertising budget	4X Membership Rewards Points on purchases in the two eligible categories with the most spend each month from 6 eligible categories (up to $150,000 in combined purchases each calendar year, after that 1X), 3X Membership Rewards points on flights and prepaid hotels booked at amextravel.com, and 1 point per $1 spent on other eligible purchases	$375
The Business Platinum Card^® from American Express	Frequent business travelers	5X points on flights and prepaid hotels booked on AmexTravel.com; 1.5X 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)	$695
Amazon Business Prime American Express Card	Amazon Business Prime members	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	$0
The Platinum Card^® from American Express	Frequent luxury travelers	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	$695
Chase Sapphire Reserve^®	Bonus travel rewards	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	$795
Citi^® / AAdvantage^® Executive World Elite Mastercard^®	American Airlines travelers	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	$595
The New United Club℠ Card	Frequent United travelers	4x miles on United® purchases; 2x miles on dining and all other travel; plus 1x mile on all other purchases	$695
Marriott Bonvoy Brilliant^® American Express^® Card	Marriott Bonvoy loyalists	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	$650
Mastercard^® Black Card™	Frequent fliers	1X point per dollar on all purchases	$495
Delta SkyMiles^® Reserve American Express Card	Delta flyers	3X miles per dollar spent on purchases made directly with Delta and 1X miles for all other eligible purchases	$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

Excellent for: Travelers comfortable using Chase Travel

Chase Sapphire Preferred® Card

Card details:

Weight: ~13 grams

Annual fee: $95

Welcome offer: Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening

Extra perks

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, Chase Sapphire Preferred 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

Excellent for: Travelers looking for flat rate earnings

Capital One Venture Rewards Credit Card

Card details:

Weight: ~16 grams

Annual fee: $95

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

Extra perks

Hertz Five Star Status
Up to $120 credit for Global Entry or TSA PreCheck
No foreign transaction fees
$50 Experience credit when booking a Lifestyle Collection hotel
Accident insurance¹ 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.

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 through 12/31/25. 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

Excellent for: People who spend a lot on food

American Express® Gold Card

Card details:

Weight: ~15 grams

Annual fee: $325

Welcome offer: Earn as high as 100,000 Membership Rewards Points after you spend $6,000 in eligible purchases within the first 6 months of card membership (welcome offers vary and you may not be eligible for an offer; apply and find out your offer)

Extra perks

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 coverage² 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.<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>
Car rental loss and damage insurance³ 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.<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>
Purchase protection⁴ 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.  <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>
Extended warranty⁵ 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.<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>

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

Excellent for: Frequent Delta flyers

Delta SkyMiles® Platinum American Express Card

Card details:

Weight: ~15 grams

Annual fee: $350

Welcome offer: Earn 90,000 bonus miles after spending $4,000 in eligible purchases in the first 6 months

Extra perks

$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)
First bag checked free
Credit for TSA PreCheck or Global Entry
Hertz Five Star status
Travel protection, including trip delay and baggage insurance⁶ 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.<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> ² 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.<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>
Car rental loss and damage insurance³ 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.<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>
Purchase protection⁷ 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.<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>
Extended warranty⁵ 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.<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>

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™

Excellent for: Frequent fliers

Mastercard® Titanium Card™

Card details:

Weight: ~22 grams

Annual fee: $195

Welcome offer: n/a

Extra perks

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.

Compare Travel Credit Cards

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 Cards

Cashback credit cards

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

Apple Card

Excellent for: Apple Pay users

Apple Card

Card details:

Weight: ~15 grams

Annual fee: $0

Welcome offer: n/a

Extra perks

Extra security with all credit card information remaining on your phone
No fees
Option to pay for Apple products over time without interest

If you're an Apple Pay enthusiast, why not turn your shopping into cash back? You 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, which is still a nice reward, and you don't have to worry about tracking categories.

You have two options for cashing out: an Apple Cash card, which you can cash out daily, or send to a savings account through Apple and Goldman Sachs Bank to earn interest on your rewards. The downside is that you can't split your earnings between the two. If you open the savings account, all earnings go there.

Learn more in our Apple Card review.

Prime Visa

Excellent for: Amazon shoppers

Prime Visa

Card details:

Weight: ~12 grams

Annual fee: $0

Welcome bonus: $200 Amazon gift card instantly upon approval exclusively for Prime members

Extra perks

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 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

Excellent for: Business with a large advertising budget

American Express® Business Gold Card

Card details:

Weight: ~15 grams

Annual fee: $375

Welcome bonus: Earn 100,000 Membership Rewards points after spending $15,000 on eligible purchases in the first 3 months

Extra perks

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 insurance² 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.<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>
Car rental coverage³ 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.<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>
Trip delay insurance⁶ 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.<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>
Purchase protection⁷ 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.<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>
Extended warranty⁵ 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.<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>

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

Excellent for: Frequent business travelers

The Business Platinum Card® from American Express

Card details:

Weight: ~15 grams

Annual fee: $695

Welcome bonus: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership

Extra perks

Access to the Global Lounge Collection at 1,400 airports
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 insurance⁸ 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.<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>
Car rental insurance⁹ 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. <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>
Baggage insurance coverage¹⁰ 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.<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>
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 booked on AmexTravel.com; 1.5X 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.

Amazon Business Prime American Express Card

Excellent for: Amazon Business Prime members

Amazon Business Prime American Express Card

Card details:

Weight: ~14 grams

Annual fee: $0

Welcome offer: Earn a $125 Amazon gift card upon approval

Extra perks

Purchase protection⁷ 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.<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>
Car rental insurance³ 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.<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>
Baggage insurance² 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.<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>
No foreign transaction fees

If your business does most of its shopping through Amazon Business, Amazon.com, or Whole Foods, you can earn 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.

Learn more in our Amazon Business Prime American Express Card 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.

The Platinum Card^® from American Express

Excellent for: Frequent luxury travelers

The Platinum Card® from American Express

Card details:

Weight: ~17 grams

Annual fee: $695

Welcome offer: Earn as high as 175,000 Membership Rewards points after spending $8,000 on eligible purchases on your new card in the first 6 months (welcome offers vary and you may not be eligible for an offer; apply and find out your offer)

Extra perks

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 insurance⁹ 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. <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>
Trip delay/cancellation/interruption insurance⁸ 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.<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>
Purchase protection⁴ 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.  <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>

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 $200 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
Up to $199 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 Platinum Card from American Express review.

Chase Sapphire Reserve^®

Excellent for: Bonus travel rewards

Chase Sapphire Reserve®

Card details:

Weight: ~12 grams

Annual fee: $795

Welcome offer: Earn 100,000 bonus points + $500 Chase Travel℠ promo credit after you spend $5,000 on purchases in the first 3 months from account opening

Extra perks

$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 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 World Elite Mastercard^®

Excellent for: American Airlines travelers

Citi® / AAdvantage® Executive World Elite Mastercard®

Card details:

Weight: ~18 grams

Annual fee: $595

Welcome offer: Limited time offer: Earn 100,000 American Airlines AAdvantage® bonus miles after spending $10,000 within the first 3 months of account opening

Extra perks

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.

The New United Club℠ Card

Excellent for: Frequent United travelers

The New United Club℠ Card

Card details:

Weight: ~12 grams

Annual fee: $695

Welcome offer: Earn 90,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening (limited-time offer)

Extra perks

Priority check-in and screening at the airport
Global Entry or TSA PreCheck fee credit
25% statement credit on in-flight purchases
IHG One Rewards Platinum Elite status
Access to the Avis President's Club
Exclusive United Card events
Trip cancellation/interruption insurance
Baggage delay or lost luggage coverage
Trip delay coverage
Auto rental coverage
Purchase protection
Extended warranty protection

This card's real meat and potatoes are from United purchases. You can earn 4x miles on United® purchases; 2x miles on dining and all other travel; plus 1x mile on all other purchases.

What really stands out with this card is that the cardmember and one companion get their first two bags checked for free, and you get a United Club℠ card membership annually, which is worth at least $750 per year.

Get more details at our United Club Card review.

Marriott Bonvoy Brilliant^® American Express^® Card

Excellent for: Marriott Bonvoy loyalists

Marriott Bonvoy Brilliant® American Express® Card

Card details:

Weight: ~15 grams

Annual fee: $650

Welcome offer: Earn up to 150,000 Marriott Bonvoy® bonus points; earn 100,000 points after spending $6,000 and an extra 50,000 points after spending an additional $2,000 in purchases in the first 6 months

Extra perks

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 coverage⁹ 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. <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>
Trip delay/cancellation/interruption insurance¹¹ 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. <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> ⁸ 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.<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>
Baggage insurance¹⁰ 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.<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>
Purchase protection⁴ 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.  <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>
Extended warranty⁵ 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.<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>
Return protection¹² 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.<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>

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™

Excellent for: Frequent fliers

Mastercard® Black Card™

Card details:

Weight: ~22 grams

Annual fee: $495

Welcome offer: N/A

Extra perks

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

Excellent for: Delta flyers

Delta SkyMiles® Reserve American Express Card

Card details:

Weight: ~12 grams

Annual fee: $650

Welcome offer: Earn 100,000 bonus miles after spending $6,000 in eligible purchases in the first 6 months

Extra perks

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)
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 insurance² 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.<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>
Trip delay/cancellation/interruption insurance¹¹ 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. <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> ⁸ 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.<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>
Car rental coverage⁹ 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. <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>
Extended warranty⁵ 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.<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>
Purchase protection⁴ 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.  <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>

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 Amex Platinum 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.

Great for Flexible Travel Rewards

Chase Sapphire Preferred^® Card

4.9

Chase Sapphire Preferred^® Card

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Rates and fees

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

Benefits and Drawbacks

Card Details