The Ultimate Guide to Credit Cards
Tuesday, September 27, 2022

12 Heaviest Credit Cards in 2022

Heaviest Credit Cards

credit card advice

Eric Bank

Written by: Eric Bank

Eric Bank

Eric Bank has been covering business and financial topics since 1985, specializing in taking complex subject matters and explaining them in simple terms for consumer audiences. In addition to his work on CardRates.com, Eric has appeared regularly on Credible.com, eHow, WiseBread, The Nest, Get.com, Zacks, Chron and dozens of other outlets. A former software engineer, Eric holds an M.B.A. from New York University and an M.S. in finance from DePaul University.

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Edited by: Lillian Guevara-Castro

Lillian Guevara-Castro

Lillian brings more than 30 years of editing and journalism experience. She has written and edited for major news organizations, including The Atlanta Journal-Constitution and the New York Times, and she previously served as an adjunct instructor at the University of Florida. Today, she edits all CardRates content for clarity, accuracy, and reader engagement.

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Advertiser Disclosure

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.

  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
  • Receive up to $300 back annually as statement credits for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,400+ lounges, including Capital One Lounges and our Partner Lounge Network
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
18.49% - 25.49% (Variable)
$395
Excellent

The Capital One Venture X Rewards Credit Card is the heaviest card from Capital One, coming in at 17 grams, just one gram more than its sister card below. This card represents Capital One’s premium card offer with a sleek metal appearance to match.

Though it charges a hefty annual fee, the annual travel and anniversary credits make up for the cost of the card. And you’ll come out ahead if you take advantage of the Global Entry or TSA PreCheck® fee reimbursement.

EXPERT'S RATING

★★★★★
4.9

OVERALL RATING

4.8/5.0
  • Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Enjoy two complimentary visits per year to Capital One Lounges or to 100+ Plaza Premium Lounges through our Partner Lounge Network
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.49% - 25.49% (Variable)
$95
Excellent, Good

The Capital One Venture Rewards Credit Card weighs 16 grams and offers unlimited 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 Rewards Credit Card charges no foreign transaction fees and offers a very competitive signup bonus.

EXPERT'S RATING

★★★★★
4.8

OVERALL RATING

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
  • Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
  • 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.
  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
18.24% - 25.24% Variable
$95
Good/Excellent

The Chase Sapphire Preferred® card weighs 13 grams. 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 Chase’s 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

★★★★★
4.9

OVERALL RATING

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on air travel and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
  • With Pay Yourself Back℠, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • 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
19.24% - 26.24% Variable
$550
Good/Excellent

The Chase Sapphire Reserve® card weighs 13 grams and is Chase’s premium travel card. You can earn a statement reimbursement of for travel purchases each anniversary year. You also get up to $100 every four years for TSA PreCheck® 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.

5. Capital One® Savor® Cash Rewards Credit Card

This card is currently not available.

Capital One® Rating

★★★★★
N/A

OVERALL RATING

N/A
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
N/A
N/A
N/A

The Capital One® Savor® Cash Rewards Credit Card weighs 16 grams and treats you to the most cash back on dining and entertainment purchases. 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 highest cash back reward.

EXPERT'S RATING

★★★★★
4.9

OVERALL RATING

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on air travel and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
  • With Pay Yourself Back℠, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • 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
19.24% - 26.24% Variable
$550
Good/Excellent

The Chase Sapphire Reserve® card weighs 13 grams and offers a nice rewards rate when you use the card at restaurants, including both fast-food restaurants and fine dining establishments.

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.

American Express® Gold Card Review

at the issuer'ssecure website

CATEGORY RATING

★★★★★
4.8

OVERALL RATING

  • Earn 75,000 Membership Rewards® points after you spend $4,000 on purchases on your new card in your first 6 months of card membership
  • Earn 4X Points at U.S. supermarkets on up to $25,000 per calendar year in purchases. Also earn 4X Points at restaurants, including takeout and delivery, and 3X points on flights when booked directly with airlines or on amextravel.com. All other eligible purchases earn 1X point.
  • Earn up to $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, Boxed and other participating partners. This can be an annual savings of up to $120. Enrollment required.
  • Delight your senses when you book The Hotel Collection with American Express Travel. Get a $100 experience credit to use during your stay. A minimum 2-night stay is required.
  • $250 Annual Fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.49% - 24.49% Pay Over Time
$250
Excellent

The American Express® Gold Card weighs in at 15 grams with generous dining, grocery shopping, and travel rewards to boot.

You also receive a monthly credit when you dine at select restaurants or take advantage of Grubhub or Seamless meal delivery. Another benefit from the American Express® Gold Card is Entertainment Access®, that lets you purchase by-invitation-only tickets to events in select 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

★★★★★
4.9

OVERALL RATING

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on air travel and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
  • With Pay Yourself Back℠, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • 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
19.24% - 26.24% Variable
$550
Good/Excellent

The Chase Sapphire Reserve® still weighs 13 grams. If you can’t tell by now, we really like this card.

Your points are worth 50% more when you redeem them for travel at Chase Ultimate Rewards. Premium travel benefits include a statement credit for TSA PreCheck® 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.

The Platinum Card® Review

at the issuer'ssecure website

CATEGORY RATING

★★★★★
4.9

OVERALL RATING

  • Earn 100,000 Membership Rewards® points after you use your new card to make $6,000 in purchases in your first 6 months of Card Membership
  • Earn 5X Membership Rewards® points for flights booked directly with airlines or with American Express Travel, on up to $500,000 on these purchases per calendar year. Also earn 5X Membership Rewards® points on prepaid hotels on AmexTravel.com. Earn 1X points on all other purchases.
  • $200 annual hotel credit, $200 annual airline fee credit, $25 monthly Equinox credit, $15 monthly Uber cash credit, $50 bi-annual Saks Fifth Avenue credit, and more.
  • Platinum Card Members have unlimited complimentary access to all locations of The Global Lounge Collection, including 1,400 airport lounges across 650 cities.
  • Automatic Marriott Bonvoy Gold Elite Status and Hilton Honors Gold Status. Enrollment required.
  • Choose among three card designs
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.49% - 24.49% Pay Over Time
$695
Excellent

The Platinum Card® weighs 17 grams and charges one of the highest annual fees among the cards on this list.

The rewards and benefits of this card recently underwent a major overhaul, but if you like to travel, the statement credits and reiumbursements can make this card a worthy addition to your wallet. Some 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.

(The information related to Wells Fargo Propel American Express® Card has been collected by CardRates.com and has not been reviewed or provided by the issuer or provider of this product or service. The Wells Fargo Propel American Express® Card is no longer accepting new applicants.)

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 Capital One Venture X Rewards Credit Card. Both weigh in at 17 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 quite a bit 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.

(Non-Monetized. The information related to J.P. Morgan Reserve® was collected by CardRates.com and has not been reviewed or provided by the issuer of this product. Product details may vary. Please see issuer website for current information. Product details may vary. Please see issuer website for current information. CardRates.com does not receive commission for this product/card.)

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 double miles on all purchases, plus you receive a statement credit for your TSA Preè 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. 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®. This card gives you a generous introductory bonus point offer, an annual reimbursement for travel purchases, and best-in-class travel insurance. Speaking of reimbursement, you get up to a $100 credit for TSA PreCheck® 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 a pretty penny in annual fees. We can make a strong case that it is well worth the cost if you like to travel and dine out.

EXPERT'S RATING

★★★★★

4.9

OVERALL RATING

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on air travel and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
  • With Pay Yourself Back℠, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • 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
19.24% - 26.24% Variable
$550
Good/Excellent

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. 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® 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!

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