The Ultimate Guide to Credit Cards
Friday, December 13, 2019

12 Heaviest Credit Cards in 2019

12 Heaviest Credit Cards in 2019

credit card advice

Eric Bank
By: Eric Bank
Updated: December 4, 2019

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If you are of a certain age, the word “heavy” may rekindle fond memories of your college days when, sitting in a smoke-filled room, you would respond to a friend’s unexpected minor confession with a heartfelt “heavy, man.” In the here and now, heavy means weight, which brings us to the topic of the heaviest credit cards.

These cards are fabricated from metal rather than plastic, giving them an air of permanence and solidity. Just holding one in your hand can make you feel, well, good. And that’s heavy, man.

Modern plastic credit cards weigh in around 5 grams (5g). The heaviest metal card is more than five times heavier. Of course, a heavy card is not necessarily a great card, and that’s why we review here the best of the heavyweights. If you are going to weigh down your wallet, you may as well get the most value per gram.

Travel | Dining | Premium | No Annual Fee | FAQs

Heaviest Travel Credit Cards

Travel cards are popular with folks who like to earn rewards that offset their travel expenses. These cards usually offer rewards in the form of miles or points, though cash back is also available. They all offer bonus rewards when you use the card for travel-related expenses. The cards rated here are great for travel, and they are heavy too.

  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn 2X miles on every purchase, every day.
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✔®
  • Fly any airline, stay at any hotel, anytime; no blackout dates. Plus transfer your miles to over 12 leading travel loyalty programs
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Named ‘The Best Travel Card' by CNBC, 2018
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.49% - 24.74% (Variable)
$0 intro for first year; $95 after that
Excellent, Good

The Capital One® Venture® Rewards Credit Card weighs 16 grams and offers unlimited 2X miles on all purchases. You also get up to a $100 credit for TSA Pre√® or Global Entry fees. The card’s miles never expire as long as you keep the account open.

You can redeem the miles you earn in several ways. You can transfer them to any of the card’s 15 travel partners. You can also use your miles to fly any airline or stay at any hotel with no blackout dates. The Capital One® Venture® card charges no foreign transaction fees and waives the first year’s annual fee.

EXPERT'S RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.49% - 24.49% Variable
$95
Good/Excellent

The Chase Sapphire Preferred® card weighs 13 grams and rewards travelers with 2X points on travel and restaurant purchases and 1X points on all other purchases. Points are worth 25% more when you redeem them for flights, car rentals, hotel stays, or cruises via Chase Ultimate Rewards. In other words, you can redeem 60,000 points for $750 in travel purchases.

You can transfer your miles 1:1 to 13 Chase travel and hotel partners. You also get many travel benefits, including trip cancellation and interruption service, auto rental collision damage waiver, insurance for delayed trips or baggage, and travel emergency assistance. Points don’t expire while the account is open.

EXPERT'S RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • Named "Best Premium Travel Credit Card" for 2018 by MONEY® Magazine
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year
  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees.
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
18.49% - 25.49% Variable
$450
Good/Excellent

The Chase Sapphire Reserve® card weighs 13 grams and is Chase’s premium travel card, providing 3X points for travel and restaurant purchases and 1X points for all other purchases. You start earning the 3X travel points after you earn a statement reimbursement of up to $300 in travel purchases each anniversary year. You also get up to $100 every four years for TSA Pre√® or Global Entry fee reimbursement.

When using Chase Ultimate Rewards, points are worth 50% more for travel, hotels, cruises, and car rentals. In other words, you’ll get $900 for travel purchases when you redeem 60,000 points, with no travel restrictions or blackout dates.

You can transfer points 1:1 to the card’s airline and hotel partners’ loyalty programs, and there are no foreign transaction fees. Other benefits include complimentary airport lounge access, special hotel benefits, and several types of travel-related insurance.

Heaviest Dining & Entertainment Credit Cards

Do you like to dine out and attend events, such as concerts or sporting events? Then these heavy cards are made for you. They all provide extra rewards for restaurant dining and/or entertainment expenses. Plus, each comes with generous benefits.

EXPERT'S RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • Earn a one-time $300 cash bonus after you spend $3000 on purchases within the first 3 months from account opening
  • Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through May 2020.
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • No foreign transaction fees
  • Capital One cardholders get access to premium experiences in dining, entertainment and more
  • $0 intro annual fee for the first year, $95 after that
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
16.24% - 25.24% (Variable)
$0 intro for first year; $95 after that
Excellent, Good

The Capital One® Savor® Cash Rewards Credit Card weighs 16 grams and treats you to unlimited 4% cash back on dining and entertainment. You also get 2% cash back at grocery stores. All other purchases earn you 1% cash back. There are no foreign transaction fees, and the annual fee is waived for the first year. Cash back doesn’t expire during the account’s lifetime, and you can redeem cash in any amounts.

The card gives you complimentary concierge service and travel assistance around the clock. You also get travel accident insurance at no extra charge. If you like having your favorite foods delivered to your home, those deliveries also earn the 4% cash back reward.

EXPERT'S RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • Named "Best Premium Travel Credit Card" for 2018 by MONEY® Magazine
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year
  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees.
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
18.49% - 25.49% Variable
$450
Good/Excellent

The Chase Sapphire Reserve® card weighs 13 grams and offers 3X points when you dine at restaurants, including both fast-food restaurants and fine dining establishments. You also get 3X points for travel-related purchases and 1X points on all other purchases.

When activated, your card gives you access to the Priority Pass Select network of airport lounges, where you can get complimentary food and drinks. In addition, the Chase Sapphire Reserve® can provide you with complimentary breakfast for two and other dining credits when you stay at a property in the Luxury Hotel & Resort Collection.

6. American Express® Gold Card

The American Express® Gold Card weighs 15 grams and lets you earn unlimited 4X points at restaurants worldwide and 4X points at U.S. supermarkets on annual purchases up to $25,000. In addition, you get 3X points for airline flights booked through Amex Travel and 1X points on all other purchases.

American Express Gold Card

  • 35,000 Membership Rewards® Points when you spend $4,000 on eligible purchases within 3 months of account opening
  • $100 Airline fee credit
  • $250 Annual fee

You also receive a credit of up to $120 per year ($10/month) when you dine at selected restaurants (The Cheesecake Factory, Ruth’s Chris Steak House, Boxed, and participating Shake Shack locations) or use Grubhub or Seamless meal delivery. Another benefit from the American Express® Gold Card is Entertainment Access®, which lets you purchase by-invitation-only tickets to entertainment events in selected cities.

Heaviest Premium Credit Cards

Premium credit cards often charge hefty annual fees. In return, you get a bounty of rewards and benefits that make those fees worthwhile. The following three cards all fit the bill and are heavyweights to boot.

EXPERT'S RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • Named "Best Premium Travel Credit Card" for 2018 by MONEY® Magazine
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year
  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees.
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
18.49% - 25.49% Variable
$450
Good/Excellent

The Chase Sapphire Reserve® card, weighing in at 13 grams, has an annual fee of $450. New cardmembers can earn 50,000 bonus points when you spend $4,000 on purchases during the first three months. You earn up to a $300 statement credit each anniversary year as reimbursement for travel purchases, after which you earn 3X points on travel. You also get 3X points on restaurant dining worldwide and 1X points on all other purchases.

Your points are worth 50% more when you redeem them for travel at Chase Ultimate Rewards. Premium travel benefits include a statement credit of up to $100 for TSA Pre√® or Global Entry fees, as well as complimentary airport lounge access, special benefits at the Luxury Hotel & Resort Collection, and 24/7 direct access to customer service specialists. In addition, you receive travel and purchase insurance coverage, and you won’t be charged foreign transaction fees.

8. Citi Prestige® Credit Card

The Citi Prestige® Credit Card weighs a stout 18 grams and offers many benefits for its $495 annual fee.

Citi Prestige® Credit Card

  • Earn 5X points on air travel and restaurants, 3X on hotels and cruise lines, and 1X points at all other purchases
  • $250 Annual travel credit
  • $495 Annual fee

You can transfer your points directly to selected airline loyalty programs. You also get a complimentary fourth-night hotel stay, up to twice per year, for stays booked through Citi’s ThankYou Travel Center. Furthermore, you can enjoy access to the airport VIP lounges in the Priority Pass™ Select network.

9. The Platinum Card® from American Express

The Platinum Card® from American Express, also 18 grams heavy, charges an annual fee of $550 compared to $250 for the American Express® Gold Card, but you get an extra 3g in the bargain.

Platinum Card® from American Express

  • Earn 5X points on flights and prepaid hotel stays booked through Amex Travel, 1X points on all other purchases
  • Access to 1,200+ airport lounges in 130 countries
  • $550 Annual fee

Premium features include a $120 airline credit and 4,000 bonus points when you buy four airline tickets and check two bags, a $100 hotel credit and 10,000 points when you stay at a Hotel Collection resort, and up to $200 in Uber Cash per year. Other benefits include free access to the Global Lounge Collection®, Gold status at Hilton Honors and Marriott Bonvoy programs, and access to the Platinum Travel Service.

Heaviest Credit Cards with No Annual Fee

Do not confuse weight with cost. The following three cards all tip the scales at 10g or more, offer reasonable benefits and charge no annual fee.

10. Amazon Prime Rewards Visa Signature Card

The Amazon Prime Rewards Visa Signature Card is issued by Chase to Amazon Prime customers. It weighs 13 grams just as the other metal cards from Chase do. While the card has no annual fee, Prime membership costs $119 per year. Just signing up for the card gets you an instant $70 Amazon gift card.

Amazon Prime Rewards Visa Signature Card

  • 5% cash back on purchases at Amazon.com and Whole Foods
  • 2% cash back at drugstores, gas stations, and restaurants, and 1% on all other purchases
  • No annual fee, but Prime Membership costs $119/year

Your cash back balance is available when you check out at Amazon.com. You get several travel benefits, including travel accident insurance, baggage loss and delay coverage, auto rental collision damage waiver, travel and emergency assistance, and no foreign transaction fees. You also get roadside dispatch, purchase protection, and extended warranty protection.

11. Apple Card

The Apple Card works with Apple Pay (rather than a bank) to provide you daily 3% cash back on all Apple purchases, and 3% cash back from selected merchants, including Walgreens, T-Mobile, and Uber when you use the card with Apple Pay. Any other card purchases via Apple Pay earn you 2% cash back, and non-Apple Pay purchases offer 1% cash back.

Apple Card

  • Smart integration to your Apple iPhone
  • Earn your cash back immediately when used via Apple Pay — you don’t have to wait until the next billing cycle to get your credit
  • No annual fee

The physical Apple Card has no external numbers — all the information resides on an internal chip. You can use the iPhone version with security features like Touch ID, Face ID, and unique transaction codes. The Apple Pay app lets you track your cash back balance and estimate your monthly interest.

12. Wells Fargo Propel American Express® Card

The Wells Fargo Propel American Express® Card is the lightest of the heavyweight cards, weighing just 10 grams, but it still packs a punch.

Wells Fargo Propel American Express® Card

  • Earn 3X points at restaurants, gas stations, and various travel and popular streaming services
  • All other purchases earn 1% cash back
  • No annual fee

In addition, you get free cellphone protection and no fees for foreign transactions or currency conversions. Other benefits include early access to event tickets before they go on sale to the public, and the ability to redeem your points at MyWellsFargoDeals.

What is the Heaviest Credit Card?

The heaviest credit card is the J.P. Morgan Reserve® card, weighing in at a portly 27g. You can only get this card by invitation.

J.P. Morgan Reserve

The J.P. Morgan Reserve is the heaviest credit card, weighing 27 grams.

For the rest of us, the heaviest cards in this review are The Platinum Card® from American Express and The Citi Prestige® Credit Card. Both weigh in at 18 grams, offer premium benefits, and have high annual fees, which is not surprising. High annual fees pay for expensive benefits and thicker metal.

The American Express® Platinum Card will set you back $550 a year in annual fees. It comes with a generous signup bonus for new cardmembers and provides high rewards for travel-related expenses. Moreover, it delivers all sorts of premium benefits, including access to airport lounges, the Amex Platinum Travel Service, and Gold status with a few hotel reward programs.

The 18g Citi Prestige® Credit Card also has a heavy annual fee at $495. Both cards offer 5X points on air travel, but other rewards have different rates. For example, the reward structure of the Citi card favors hotel stays, whereas folks who like dining out get better rewards from the American Express.

What is the Best Metal Credit Card?

We haven’t identified the best overall metal credit card, but we do have a winner in each of four categories. Therefore, the best card for you depends on what is important to you.

If travel is your thing, we give top marks to the Capital One® Venture® Rewards Credit Card. This card provides 2X miles on all purchases, plus you receive a statement credit for your TSA Pre√® or Global Entry fees. It also lets you transfer your miles to other travel partners.

If you’d rather eat, drink, and make merry, our top dining and entertainment card is the Capital One® Savor® Cash Rewards Credit Card, which provides 4% cash back for restaurant dining and event tickets. The 4% cash back even applies to food deliveries. If you need event tickets, you’ll appreciate the card’s concierge service.

For folks with deep pockets and deeper needs, you may like our pick for top premium card, the Chase Sapphire Reserve®. Costing $450 a year, this card gives you a generous introductory bonus point offer, a $300 reimbursement each year for travel purchases, and 3X points on restaurant dining. Speaking of reimbursement, you get up to a $100 credit for TSA Pre√® or Global Entry fees.

If you want a heavy card with no annual fee, our top pick is the Amazon Prime Rewards Visa Signature Card. It offers an automatic signup bonus and 5% cash back on purchases from Amazon.com and Whole Foods. The card provides lower cash back percentages for other purchases, plus a handsome collection of travel and purchase insurance.

Is the Chase Sapphire Reserve® Worth it?

The 13g Chase Sapphire Reserve® card will cost you $450 per year to own. We can make a strong case that it is well worth the cost if you like to travel and dine out.

The value starts with the introductory bonus offer, then there is the $300 reimbursement credit each year for travel purchases. If you offset that reimbursement against the annual fee, it feels like the net fee is only $450 minus $300, or $150. On that basis, the card is definitely worth it.

EXPERT'S RATING

★★★★★

4.8

OVERALL RATING

4.8/5.0
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • Named "Best Premium Travel Credit Card" for 2018 by MONEY® Magazine
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year
  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees.
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
18.49% - 25.49% Variable
$450
Good/Excellent

With 3X points on travel and restaurant purchases, this card fits in well with the rich lifestyle. One of the reasons we really like Chase credit cards is Chase Ultimate Rewards. This card’s points are worth 50% more when redeemed for travel on the Ultimate Rewards website.

That makes your 3X-point purchases actually worth 4.5X, one of the highest rewards in the industry. The card also gives you several benefits at the Luxury Hotel & Resort Collection, including free breakfasts, complimentary WiFi, and extended check-in and check-out times. Like many of the cards in this review, the Chase Sapphire Reserve® card charges no foreign transaction fees.

So, Does Your Card Hold Its Weight in Value?

Well, we’ve had a little fun talking about the physical weight of the heaviest credit cards. Frankly, plastic cards (and electronic cards) work just as well as metal ones, and they’re lighter to carry.

But there is also a kernel of truth in treating metal cards as more valuable — card company’s lavish metal only on their best cards. Therefore, when you see a metal card, you have an indication that it provides substantial benefits and rewards.

Indeed, the cards in this review are all metal and all good choices. And if a metal card floats your boat — go for it!