The Ultimate Guide to Credit Cards
Wednesday, June 16, 2021

28 Metal Credit Cards in 2021

Metal Credit Card

credit card advice

Ashley Dull
By: Ashley Dull
Posted: November 12, 2020
Advertiser Disclosure

Metal credit cards first hit the market in 1999, when the invitation-only Centurion Card from American Express (a.k.a. the Black Card) was introduced.

Invitees were required to pay a $7,500 initiation fee and a $2,500 annual fee to add the ultra-premium card to their wallets. The Black Card still ranks among the world’s most exclusive credit cards, if not the most exclusive credit card to this day.

Just about every other card issuer today has followed suit by ditching the plastic in favor of metal for their best card offers. Below, we’ll break down every metal credit card available we could find — most of which don’t require an invitation to apply.

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FAQs

Best Metal Credit Cards

The following credit cards offer cardholders generous rewards that include lucrative cash back, points, and air miles, as well as purchase protections and other perks that can make a metal card a worthwhile member of your financial portfolio.

  • Our best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards®.
  • Earn 2X points on dining including eligible delivery services, takeout and dining out and travel. Plus, earn 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, 100,000 points are worth $1,250 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
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
15.99% - 22.99% Variable
$95
Good/Excellent

The Chase Sapphire Preferred® Card is our top choice and one of the best rewards card offerings on the market. The annual fee for this 13-gram card is pretty low relative to the perks it provides.

Aside from its lucrative welcome bonus offer, this card offers Chase Ultimate Rewards bonus points on travel and dining and the ability to get 25% more value for your points when you redeem them for travel deals. Cardholders can also transfer their Chase Ultimate Rewards points to many popular airline loyalty programs to get them on their next trip faster and more affordably.

BEST OVERALL RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • Earn 100,000 bonus miles when you spend $20,000 on purchases in the first 12 months from account opening, or still earn 50,000 miles if you spend $3,000 on purchases in the first 3 months
  • 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 $100 application fee credit for Global Entry or TSA Pre✔®
  • Redeem on travel—including flights, vacation rentals, car rentals and more. Plus transfer your miles to over 15+ travel loyalty programs
  • No foreign transaction fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.24% - 24.49% (Variable)
$95
Excellent, Good

The Capital One Venture Rewards Credit Card weighs 16 grams but is much lighter on your wallet with a low annual fee and great travel rewards possibilities.

Cardholders earn unlimited rewards miles that they can use to erase all, or part, of recent travel-related expenses. Since you use your miles to cover previous charges, you do not have to worry about blackout dates or carrier restrictions.

3. Capital One® Savor® Cash Rewards Credit Card

This card is currently not available.

Best Overall 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 is one of the most affordable — and lucrative metal cards on this list. This 17-gram card can unlock one of the highest cash back rewards rates on the market for dining and entertainment purchases.

The card offers several perks for foodies who want to dine out or flex their culinary skills in their own kitchens. The cash back alone makes this card well worth the price of admission.

4. Wells Fargo Propel American Express® Card

This card is currently not available.

Best Overall 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

With the 10-gram Wells Fargo Propel American Express® Card, you can earn rewards points on qualified purchases and look good while doing so. The card also features Wells Fargo’s lowest intro APR for new purchase and balance transfer transactions following your new account activation.

A perk that sets this card apart from others on this list is the cellphone protection plan that covers your phone against damage or theft — up to $600 — as long as you pay your monthly bill using your card.

Amazon Prime Rewards Visa Signature Card Review

at the issuer'ssecure website

BEST OVERALL RATING

★★★★★
4.6

OVERALL RATING

4.6/5.0
  • Earn 5% cash back at Aamzon.com and Whole Foods market
  • Earn 2% cash back at restaurants, gas stations, and drugstores, 1% back on all other purchases
  • Exclusively for customers with an eligible Prime membership
  • Get a $70 Amazon Gift Card instantly upon credit card approval
  • See your rewards balance during checkout at Amazon.com and easily use rewards to pay for all or part of your purchase — no minimum rewards balance to redeem rewards
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
14.24% - 22.24%
$0 (Prime Membership Required)
Good/Excellent

The Amazon Prime Rewards Visa Signature Card is a 13-gram beauty that can supercharge your Amazon Prime account by adding extra perks and discounts beyond those already available to members. Without a Prime account, though, this card is mostly good looks without much utility.

With the card, Prime members can earn bonus cash back on purchases made on Amazon.com or at Whole Foods Market, and a higher-than-average cash back rate on restaurant, gas station, and drugstore purchases. All other purchases earn an unlimited flat cash back rate that is near the industry average. Prime members can also unlock massive cash back savings on rotating Amazon quarterly categories.

American Express® Gold Card Review

at the issuer'ssecure website

BEST OVERALL RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • 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 on restaurants, 3X points on flights when booked directly with airlines or on amextravel.com, and 1X points on all other eligible purchases.
  • 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.
  • Select one qualifying airline and then receive up to $100 in statement credits per calendar year when incidental fees, like checked bags and in-flight refreshments, are charged by the airline to your Gold Card account
  • $250 annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
N/A (Charge Card)
$250
Excellent

The 15-gram American Express® Gold Card heaps on plenty of food-based rewards in a credit card sector that normally focuses on travel. But even if you are not a foodie, this card has plenty of power under the hood.

Cardholders can earn bonus points on dining and groceries as well as extra points on flights booked directly with airlines or on AmexTravel.com. All other purchases earn competitive points rates as well as monthly statement credits for dining charges.

U.S. Bank Altitude® Go Visa Signature® Card Review

at the issuer'ssecure website

BEST OVERALL RATING

★★★★★
4.6

OVERALL RATING

4.6/5.0
  • Earn 20,000 bonus points when you spend $1,000 in the first 90 days of account opening
  • Earn 4X points on takeout, food delivery, and dining
  • Earn 2X points at grocery stores, grocery delivery, streaming services, and gas stations -- all other purchases earn 1 point per $1
  • Enjoy a 0% Intro APR on purchases and balance transfers for the first 12 billing cycles. After that, a variable APR applies
  • $15 credit for annual streaming service purchases such as Netflix and Spotify®
  • $0 annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 12 billing cycles
0% for 12 billing cycles
14.99% - 23.99% (Variable)
$0
Good/Excellent

The U.S. Bank Altitude® Go Visa Signature® Card is a 12-gram card offering from a quickly-growing bank in the credit card industry.

Just about every credit card — either a metal card or a plastic card — with this type of reward structure charges an annual fee, but not this offering. The Go Visa Signature® Card helps you earn bonus points while enjoying an introductory APR on new purchases and balance transfers. After that, the ongoing variable APR starts much lower than the industry average.

Delta SkyMiles® Platinum American Express Card Review

at the issuer'ssecure website

BEST OVERALL RATING

★★★★★
4.5

OVERALL RATING

4.5/5.0
  • Earn 75,000 bonus Miles and 10,000 Medallion® Qualification Miles (MQMs) after spending $3,000 in purchases on your new Card in your first 3 months
  • Earn 3X miles on Delta purchases and hotels, 2X miles at restaurants (including takeout and delivery) and U.S. supermarkets, all other purchases earn 1 point per $1
  • Get your first bag free on Delta flights booked with your card
  • Receive a Domestic Main Cabin round-trip companion certificate each year upon renewal of your card
  • Receive either a statement credit available every 4 years after you apply for Global Entry ($100) or a statement credit available every 4.5 years after you apply for a five-year membership through any Authorized Enrollment Provider for TSA Pre✓® (up to $85) with an eligible Card
  • $250 annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
15.74% - 24.74% (Variable)
$250
Good/Excellent

The Delta SkyMiles® Platinum American Express Card helps cardholders get on their next Delta flight much faster, thanks to the bonus miles possibilities on qualifying purchases. You can also take advantage of a $100 Global Entry or TSA Pre✔ Fee Credit as long as your account remains active.

And unlike other co-branded cards, this offering is not all about Delta. The card also offers elevated miles earnings on restaurant, dine-in, take out, and delivery as well as grocery store spending.

IHG® Rewards Club Premier Credit Card Review

at the issuer'ssecure website

BEST OVERALL RATING

★★★★★
4.6

OVERALL RATING

4.6/5.0
  • Earn 150,000 bonus points after you spend $3,000 on purchases in the first 3 months from account opening. Plus, earn 10,000 bonus points after you spend $20,000 on purchases and make one additional purchase each account anniversary year.
  • Earn up to 25X points total per dollar at IHG® -- That's 10X points at IHG® Hotels and Resorts as an IHG® Rewards Club Premier Credit Cardmember, plus up to 10X points from IHG® for being an IHG® Rewards Club member, plus up to 5X points from IHG® with Platinum Elite Status, a benefit of this card.
  • Earn 2X points per dollar on purchases at gas stations, grocery stores, and restaurants -- all other purchases earn 1 point per $1
  • Enjoy a reward night after each account anniversary year at IHG hotels worldwide
  • Enjoy a reward night when you redeem points for any stay of 4 or more nights
  • $0 introductory annual fee for the first year; $89 annual fee thereafter
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
15.99% - 22.99% (Variable)
$0 intro; $89 thereafter
Good/Excellent

The IHG® Rewards Club Premier Credit Card helps unlock the door to hotel savings at IHG locations throughout the world. And at 13 grams, this is a pretty hefty key.

Cardholders can stack their points earnings and earn unheard of rewards for every dollar spent at IHG — including points at IHG® Hotels and Resorts as an IHG® Rewards Club Premier Credit Cardmember, points from IHG® for being an IHG® Rewards Club member, and points from IHG® with Platinum Elite Status — which is an automatic benefit of this card. Cardholders also earn a free night after each account anniversary and a fourth reward night when you redeem points for any stay of four or more nights.

Apple Card Review

at the issuer'ssecure website

BEST OVERALL RATING

★★★★★
4.5

OVERALL RATING

4.5/5.0
  • Get unlimited 3% Daily Cash back on everything you buy from Apple and other select merchants when you use Apple Card with Apple Pay
  • Get unlimited 2% Daily Cash back when you use your iPhone or Apple Watch to pay with Apple Card
  • Pay for your new Apple products over time, interest‑free with Apple Card Monthly Installments
  • With advanced security technologies like Face ID, Touch ID, and unique transaction codes, Apple Card with Apple Pay is designed to make sure you're the only one who can use it
  • The only credit card made of titanium — a sustainable metal known for its beauty and durability
  • No annual fees, no foreign transaction fees, or late fees. No fees, period.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
10.99% - 21.99% (Variable)
$0
Good/Excellent

Mac and iPhone enthusiasts love the Apple Card for more than just its sleek design, 15 grams of titanium weight, and lack of an annual fee. This card can also unlock cash back rewards at an elevated rate when you shop through Apple or one of its partners — including Nike, Panera Bread, T Mobile, and Walgreens.

You can also use the card to pay for all of your Apple and iPhone hardware purchases over time, without interest — a much better deal than through Apple Pay. That means you can stay up to date with the latest tech without having to come up with a big payment each time a new device comes to the market.

Verizon Visa® Card Review

at the issuer'ssecure website

BEST OVERALL RATING

★★★★
4.4

OVERALL RATING

4.4/5.0
  • Get up to $100 in credit applied to your wireless bill over the first 24 months—just use your card to pay your bill every month. Plus, new enrollees to Verizon's Auto Pay can get up to $10/month off each eligible account or line, up to 10 lines max on select plans
  • Earn 4% Verizon Dollars on grocery store and gas purchases, 3% on dining and takeout purchases, 2% on Verizon purchases, and 1% on everything else
  • There are no limits to how much you can earn and no expiration dates
  • Use your Verizon Dollars for pretty much anything in the Verizon store, even toward your Verizon Wireless bill
  • This card is exclusively offered to Verizon Wireless customers
  • $0 annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
21.74% or 25.74% (Variable)
$0
Good

Verizon customers are well-served with the Verizon Visa® Card — a 17.28-gram offering from Synchrony Financial that provides great savings for Verizon Wireless customers.

As a new cardholder, you can earn a statement credit that is spread over your first 24 months with the card when you use your card to pay your monthly bill. You can also earn another monthly statement credit as a new enrollee to Verizon’s Auto Pay program. Eligible purchases can also earn Verizon Dollars rewards to use toward your monthly bill, a new phone, or accessories.

Luxury Card™ Mastercard® Titanium Card™ Review

at the issuer'ssecure website

BEST OVERALL RATING

★★★★★
4.5

OVERALL RATING

4.5/5.0
  • Patented brushed stainless steel front and carbon back—weighing 22 grams.
  • 2% value for airfare redemptions with no blackout dates or seat restrictions. 1% value for cash back redemptions. Earn one point for every one dollar spent.
  • 24/7 Luxury Card Concierge®—available by phone, email and live mobile chat. Around-the-clock service to help you save time and manage tasks big and small.
  • Exclusive Luxury Card Travel® benefits—average value of $500 per stay (e.g., resort credits, room upgrades, free wifi, breakfast for two and more) at over 3,000 properties.
  • Members-only LUXURY MAGAZINE®.
  • Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard® benefits.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening.
14.99%
$195 ($95 for each Authorized User added to the account)
Excellent

The Luxury Card™ Mastercard® Titanium Card™ specializes in travel perks. You’ll get the most value from this card by redeeming your rewards for airfare.

Luxury Card also supplies cardholders with 24/7 card concierge services on this 22-gram brushed stainless steel front and carbon-backed card. The design is part of 54 patents owned by the issuer that focuses on cutting-edge metal credit card construction.

Best Premium Metal Credit Cards

The following metal credit cards are for well-heeled consumers with excellent credit. These cards charge high annual fees and come with the very best perks you can get from a credit card, especially when it comes to travel benefits.

BEST OVERALL RATING

★★★★★
4.7

OVERALL RATING

4.7/5.0
  • 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. Through December 31, 2021, gas station & grocery store purchases will also count towards earning your Travel Credit
  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants including eligible delivery services, takeout and dining out & 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
16.99%-23.99% Variable
$550
Good/Excellent

Chase is known for its high end luxury card options and the Chase Sapphire Reserve® is no slouch in that department. At 13 grams, the Sapphire Reserve card is worth more than its weight in rewards.

Frequent travelers will appreciate the annual travel credit, bonus Chase Ultimate Rewards points on travel and dining worldwide, and 50% more value when you redeem points for travel.

The Platinum Card® Review

at the issuer'ssecure website

BEST OVERALL RATING

★★★★★
4.7

OVERALL RATING

4.7/5.0
  • Earn 75,000 Membership Rewards® points after you use your new card to make $5,000 in purchases in your first 6 months of Card Membership
  • Earn 10X Membership Rewards® points on eligible purchases on your new Card at U.S. Gas Stations and U.S. Supermarkets, on up to $15,000 in combined purchases, during your first 6 months of Card Membership
  • Earn 5X Membership Rewards® points for flights booked directly with airlines or with American Express Travel. Also earn 5X Membership Rewards® points on prepaid hotels (booked and paid in advance) on amextravel.com. Earn 1X points on all other eligible purchases. Terms apply.
  • Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue or saks.com on your Platinum Card®
  • Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to your Platinum Card® Account plus $100 hotel credit to spend on qualifying dining, spa, and resort activities. Qualifying activities vary by property.
  • Platinum Card Members have unlimited complimentary access to all locations of The Centurion Lounge
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
N/A (Charge Card)
$550
Excellent

The Platinum Card® from American Express is a 17-gram credit card that charges a competitive annual fee. Depending upon your shopping habits, you can make up for that fee in just a few months.

Amex Platinum cardholders can earn statement credits each month to cover the cost of certain U.S. streaming subscriptions and wireless phone services that are charged to the card. You can also earn monthly credit to spend toward Uber rides or Uber Eats deliveries and even more annual statement credits for purchases at Saks Fifth Avenue of Saks.com.

Citi Prestige® Card Review

at the issuer'ssecure website

BEST OVERALL RATING

★★★★★
4.5

OVERALL RATING

4.5/5.0
  • Earn 50,000 bonus points after spending $4,000 within 3 months of account opening. That's a $500 value in travel, anytime, with no blackout dates when booked through the ThankYou Travel Center!
  • Earn 5X Points at restaurants and on air travel
  • Earn 3X Points on hotels and cruise lines, all other purchases earn 1X Points
  • Complimentary 4th Night at a hotel of your choice after a minimum 4 consecutive night booking through ThankYou.com (benefit can be used 2X per calendar year)
  • Up to a $250 travel credit every calendar year, no need to enroll
  • Enjoy complimentary access to hundreds of VIP lounges through Priority Pass™ Select
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
16.99% - 23.99% Variable
$495
Excellent

Weighing it at 18 grams, the Citi Prestige® Card allows you to quickly earn your annual fee back through the bonus ThankYou® Points this card pays out.

Cardholders can earn bonus points on restaurant and air travel spend as well as on hotel and cruise line purchases. All other purchases earn a competitive and unlimited flat-rate of points. Travelers also receive a complimentary fourth night at a hotel of their choice after booking a minimum of four consecutive night booking through ThankYou.com and a travel credit every calendar year.

Marriott Bonvoy Brilliant™ American Express® Card Review

at the issuer'ssecure website

BEST OVERALL RATING

★★★★★
4.5

OVERALL RATING

4.5/5.0
  • Earn 75,000 Marriott Bonvoy Bonus Points after you use your new Card to make $3,000 in purchases within the first 3 months of Card Membership. Plus, earn up to $200 in statement credits for eligible purchases made on your new card at U.S. restaurants within the first 6 months of Card Membership.
  • You will receive complimentary Marriott Bonvoy Gold Elite status with your Marriott Bonvoy Brilliant American Express® Card - only available to the Basic Card Member
  • Earn 6X Points on hotels for eligible purchases at participating Marriott Bonvoy hotels, 3X Points at U.S. restaurants and flights booked directly with airlines, and 2X Points for each dollar on everything else
  • Enjoy up to $300 in statement credits each year of card membership for eligible purchases at participating Marriott Bonvoy hotels
  • Receive 1 Free Night Award every year after your card account anniversary. Award can be used for one night (redemption level at or under 50,000 Marriott Bonvoy points) at a participating hotel.
  • With Card Membership, you can enroll in Priority Pass™ Select, which offers unlimited access to over 1,200 lounges in over 130 countries, regardless of which carrier or class you are flying
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
15.74% - 24.74% (Variable)
$450
Excellent

The Marriott Bonvoy Brilliant™ American Express® Card is a 15-gram premium travel card that especially benefits fans of Marriott hotels, where they’ll earn the most points on purchases. In addition to lucrative rewards, cardholders also receive an annual travel statement credit, a free night award after each account anniversary, and an annual property credit.

Jetsetters may be happy to hear they’ll also receive Priority Pass Select lounge access, fee credit for Global Entry or TSA Precheck, and baggage insurance with his card, among other perks.

J.P. Morgan Reserve® Review

at the issuer'ssecure website

BEST OVERALL RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • Use your J.P. Morgan Reserve card to order takeout or make a prepaid reservation with Chase Dining℠ in Ultimate Rewards and earn 10x total points up to $500. Feb. 15–June 30, 2021
  • Receive up to $300 in statement credits annually as reimbursement for travel purchases charged to your card. Annual eligibility timeframe may vary; see Terms & Conditions for details. Plus, earn 3X points on travel worldwide immediately after earning your $300 annual travel credit.
  • Through Dec. 31, 2021, gas station and grocery store purchases will count toward earning your Travel Credit
  • Redeem points for Sapphire Private Dining Series events, takeout, outdoor seating reservations and more. Plus, your points are worth 50% more with Chase Dining℠ in Ultimate Rewards® through Sep. 30, 2021.
  • For a minimum of one year, enjoy a complimentary DashPass, DoorDash's subscription service that provides unlimited restaurant deliveries with $0 delivery fee and reduced service fees on eligible orders over $12 on DoorDash and Caviar
  • $595 annual fee. You must have $10 million under J.P. Morgan's Private Bank Asset Management to qualify for this card.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
See Terms
$595
Excellent

The J.P. Morgan Reserve® is one of the heaviest credit cards on the market, weighing in at a whopping 27 grams. To qualify, you must be a client of JP Morgan Private Bank with at least $10 million in investable assets.

If you can meet those standards, you could use the card to earn bonus Chase Ultimate Rewards points and a host of travel benefits that make your trips more comfortable and rewarding.

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

at the issuer'ssecure website

BEST OVERALL RATING

★★★★★
4.7

OVERALL RATING

4.7/5.0
  • Earn 50,000 bonus points worth $750 on travel when you spend $4,500 in the first 90 days of account opening.
  • Earn 5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center.
  • Earn 3X points for every $1 on eligible travel purchases and mobile wallet spending.
  • Earn an industry-leading 3X points on eligible mobile wallet purchases using Apple Pay®, Google Pay™, Samsung Pay and LG Pay®.
  • For a limited time enjoy 3X points for every $1 on takeout, food delivery, and dining. Valid on purchases through 06/30/21.
  • Get reimbursed up to $325 annual credits for eligible travel purchases. And, through 06/30/21, takeout, food delivery, and dining purchases are also eligible for reimbursement.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
16.99% - 23.99% (Variable)
$400
Excellent

The U.S. Bank Altitude® Reserve Visa Infinite® Card checks in at 16.25 grams. You can earn nearly twice the amount of the card’s annual fee as a new cardholder if you reach certain spending thresholds within your first 90 days with the card to earn a welcome bonus travel credit.

After that, you can earn bonus points for travel booked through the Altitude Rewards Center and an annual credit for travel purchases made through the card.

United Club℠ Infinite Card Review

at the issuer'ssecure website

BEST OVERALL RATING

★★★★★
4.6

OVERALL RATING

4.6/5.0
  • Earn a bonus 75,000 miles after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn 4 miles per $1 spent on purchases from United, including tickets, Economy Plus®, in-flight food, beverages and Wi-Fi, and other United charges
  • Earn 2 miles per $1 spent on all other travel purchases, 2 miles per $1 spent on dining at restaurants and eligible delivery services
  • Up to $100 as a statement credit for Global Entry or TSA PreCheck™ every 4 years as reimbursement for the application fee for either program when charged to your card
  • 25% back as a statement credit on purchases of food, beverages, and Wi-Fi onboard United-operated flights when you pay with your United Club℠ Infinite Card
  • The primary Cardmember and one companion traveling on the same reservation will each receive their first and second standard checked bag free - calculated as up to a $35 value for the first checked bag and up to a $45 value for the second checked bag, each way, per person
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
16.49% - 23.49% (Variable)
$525
Excellent

The United Club℠ Infinite Card offers some pretty serious travel perks for anyone who is a United Airlines enthusiast — and who among us doesn’t love to fly the friendly skies?

The card’s automatic United Club membership alone is worth as much as $650 per year. When you include the bonus miles on qualified purchases, you get a card that can help you make a tidy profit while enjoying great travel benefits.

Delta SkyMiles® Reserve American Express Card Review

at the issuer'ssecure website

BEST OVERALL RATING

★★★★★
4.6

OVERALL RATING

4.6/5.0
  • Earn 50,000 bonus miles and 10,000 Medallion Qualification Miles (MQMs) after you spend $3,000 in purchases and up to $100 back in statement credits for eligible purchases at US restaurants on your new card in your first 3 months
  • Earn 15,000 Medallion Qualification Miles after you spend $30,000 in purchases on your card up to 4 times/year
  • Earn 3X miles on Delta flights and Delta Vacations® -- all other purchases earn 1 mile per $1
  • Complimentary access into Delta Sky Club® plus two Delta Sky Club One-Time Guest Passes each year
  • Receive a domestic First Class, Delta Comfort+®, or Main Cabin round-trip companion certificate each year upon renewal of your Delta SkyMiles Reserve American Express card
  • $550 annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
15.74% - 24.74% (Variable)
$550
Excellent

At 15 grams, the Delta SkyMiles® Reserve American Express Card helps cardholders rack up Delta SkyMiles in a hurry — including bonus miles on every dollar spent on select Delta purchases.

This card offers complimentary seat upgrades and admission to the Delta Sky Club®, as well as a Global Entry or TSA Pre✔ fee credit that can help you breeze through security.

Crystal® Visa Infinite® Credit Card with Rewards Review

at the issuer'ssecure website

BEST OVERALL RATING

★★★★★
4.6

OVERALL RATING

4.6/5.0
  • Earn 3 Points per $1 spent on airline, hotel, taxi (including Uber and Lyft), limousine, rental car, train, bus, restaurant, fast food, and takeout food dining purchases, and 1 Point per $1 spent on all other purchases.
  • Receive a statement credit of up to $350 per account, per calendar year for Qualifying Airline Purchases.
  • Receive a statement credit of up to $550 per account per calendar year with $50,000 yearly spend – for any airline lounge club worldwide.
  • Apply for Global Entry, a U.S. Customs and Border Protection program, using your Crystal Visa Infinite Card to pay your application fee and receive a $100 statement credit.
  • Crystal Visa Infinite Cardholders Priority Pass Select program members and their accompanying guests can experience a more relaxing way to travel, with access to a global network of more than 1,300 airport lounges worldwide
  • A 24/7 concierge at your fingertips. Receive customized assistance with airline, hotel and restaurant reservations and virtually any personal or business requests.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.00% or 21.00% based on creditworthiness
$400
Excellent

The Crystal® Visa Infinite® Credit Card with Rewards from City National Bank is a rare luxury card that is issued by a consumer-based bank. The 14-gram card definitely has perks that few bank plastic card options can match.

Start with City National Rewards® Points for every dollar spent, combined with an airline incidental fees statement credit and a complimentary lounge club membership fee statement credit, and you can quickly recoup your annual fee through the initial perks.

Citi® / AAdvantage® Executive World Elite Mastercard® Review

at the issuer'ssecure website

BEST OVERALL RATING

★★★★★
4.5

OVERALL RATING

4.5/5.0
  • Earn 50,000 American Airlines AAdvantage® bonus miles after making $5,000 in purchases within the first 3 months of account opening. Plus, get Admirals Club® membership.
  • Earn 10,000 Elite Qualifying Miles after you spend $40,000 in purchases within the year
  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases, 1 AAdvantage® mile for every $1 spent on all other purchases
  • With dedicated concierge, enjoy access to a staff of experts for help with foreign and domestic travel, shopping, dining, household, and entertainment needs
  • Global Entry or TSA Pre✓® application fee credit
  • 25% savings on eligible in-flight purchases
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
15.99% - 24.99% (variable)
$450
Excellent

American Airlines loyalists will have no problem carrying on the 18-gram Citi® / AAdvantage® Executive World Elite Mastercard®. But the perks aren’t only available in the air, as this is the only credit card that provides American Airlines Admirals Club® membership.

As you’d expect, most of the card’s benefits revolve around American Airlines — including bonus miles for every $1 spent on eligible American Airlines purchases, priority boarding on American Airlines flights, and a free first checked bag on all domestic American Airlines itineraries for you and up to eight travel companions.

HSBC Elite Credit Card Review

at the issuer'ssecure website

BEST OVERALL RATING

★★★★★
4.6

OVERALL RATING

4.6/5.0
  • Earn 50,000 Rewards Bonus Points worth $750 in airfare – when booked online through HSBC Rewards – after spending $4,000 in the first 3 months of account opening
  • You’ll earn 3X Rewards Points on new travel purchases – including airline, hotels, and car rentals -- 2X Points on new dining purchases, and 1X Points on all other purchases
  • Receive up to $400 in travel credits per year for all airfare, hotels and car rentals booked through HSBC Travel
  • You and one guest enjoy complimentary, unlimited access to 1,000+ airport lounges provided by LoungeKey™
  • Take 3 rides per month and receive a $5 Lyft App credit, and earn $5 in Fandago rewards for every 2 movie tickets purchased
  • $395 annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
14.99% - 18.99% (Variable)
$395
Excellent

Eligible HSBC Premier account holders may qualify for the 17-gram HSBC Elite Credit Card, which offers pretty hefty perks.

As with many other cards on this list, the World Elite Card’s rewards focus heavily on travel, with bonus points on travel-related purchases, an annual air travel credit, discounts on reservations made through Expedia, Agoda, or OneFineStay, as well as airport lounge access to more than 1,000 locations around the globe.

Luxury Card™ Mastercard® Black Card™ Review

at the issuer'ssecure website

BEST OVERALL RATING

★★★★★
4.5

OVERALL RATING

4.5/5.0
  • Patented black-PVD-coated metal card—weighing 22 grams.
  • 2% value for airfare redemptions with no blackout dates or seat restrictions. 1.5% value for cash back redemptions. Earn one point for every one dollar spent.
  • 24/7 Luxury Card Concierge®—available by phone, email and live mobile chat. Around-the-clock service to help you save time and manage tasks big and small.
  • Exclusive Luxury Card Travel® benefits—average value of $500 per stay (e.g., resort credits, room upgrades, free wifi, breakfast for two and more) at over 3,000 properties.
  • Annual Airline Credit—up to $100 in statement credits toward flight-related purchases including airline tickets, baggage fees, upgrades and more. Up to a $100 application fee credit for the cost of TSA Pre✓® or Global Entry.
  • Enrollment in Priority PassTM Select with access to 1,300+ airport lounges worldwide with no guest limit. Includes credits at select airport restaurants for cardholder and one guest.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening.
14.99%
$495 ($195 for each Authorized User added to the account)
Excellent

The Luxury Card™ Mastercard® Black Card™ features a black PVD coated metal surface. As a Luxury Card issued credit card, you get the perks you would expect from this prestigious brand.

Rewards are most valuable when redeemed for airfare. Cardholders also receive an annual airline credit and 24/7 Luxury Card concierge service.

Luxury Card™ Mastercard® Gold Card™ Review

at the issuer'ssecure website

BEST OVERALL RATING

★★★★★
4.5

OVERALL RATING

4.5/5.0
  • Patented 24K-gold-plated front and carbon back—weighing 22 grams.
  • 2% value for airfare redemptions with no blackout dates or seat restrictions. 2% value for cash back redemptions. Earn one point for every one dollar spent.
  • 24/7 Luxury Card Concierge®—available by phone, email and live mobile chat. Around-the-clock service to help you save time and manage tasks big and small.
  • Exclusive Luxury Card Travel® benefits—average value of $500 per stay (e.g., resort credits, room upgrades, free wifi, breakfast for two and more) at over 3,000 properties.
  • Annual Airline Credit—up to $200 in statement credits toward flight-related purchases including airline tickets, baggage fees, upgrades and more. Up to a $100 application fee credit for the cost of TSA Pre✓® or Global Entry.
  • Enrollment in Priority PassTM Select with access to 1,300+ airport lounges worldwide with no guest limit. Includes credits at select airport restaurants for cardholder and one guest.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening.
14.99%
$995 ($295 for each Authorized User added to the account)
Excellent

The Luxury Card™ Mastercard® Gold Card™ is a 24K gold-plated credit card that weighs in at 22 grams. While you’d expect a high-end rewards card for that fee, this card is actually quite light on the rewards, but heavy on the perks.

The card includes Priority Pass Select (PPS) membership to more than 1,000 airport lounges, an annual airline credit toward qualifying airline purchases, and a Global Entry application fee credit, among several other perks travelers can get excited about.

Best Business Metal Credit Cards

The following credit cards are for business owners who wish to tout their business success with a metal credit card. There aren’t many metal business credit cards available, but at least one charges no annual fee while the others could easily fit in with the premium cards above.

Business Platinum Card® from American Express Review

at the issuer'ssecure website

BEST OVERALL RATING

★★★★★
4.5

OVERALL RATING

4.5/5.0
  • Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of card membership
  • Earn 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, 1.5X points on each eligible purchase of $5,000 or more (that's an extra half point per dollar) up to 1 million additional points per calendar year, and 1X points for each dollar you spend on eligible purchases
  • Select one qualifying airline and get up to $200 in statement credits each calendar year for baggage fees and other incidentals charged by the airline to your Business Platinum Card®
  • Access to more than 1,300 lounges across 140 countries and counting with the American Express Global Lounge Collection®
  • Use Membership Rewards® Pay with Points for all or part of an eligible fare and get 35% of those points back, up to 500,000 points back per calendar year
  • $595 annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
N/A (Charge Card)
$595
Excellent

American Express is known for its great rewards cards and exclusive cardholder experiences — and Business Platinum Card® from American Express is no exception. This card requires that you pay your balance in full each month. Certain purchases could qualify for additional pay-over-time privileges.

Cardholders also receive an annual Dell Technologies statement credit and further monthly statement credits for U.S. purchases for shipping and wireless telephone services purchased directly from U.S. service providers. All purchases qualify for bonus rewards points and every cardholder receives an annual airline credit and access to 1,200 airport lounges with the American Express Global Lounge Collection™.

Amazon Business Prime American Express Card Review

at the issuer'ssecure website

BEST OVERALL RATING

★★★★★
4.7

OVERALL RATING

4.7/5.0
  • Welcome Offer: Receive a $125 Amazon.com gift card upon approval
  • 5% Back or 90 Days Terms on U.S. purchases at Amazon Business, AWS, Amazon.com, and Whole Foods Market with an eligible Prime membership on the first $120,000 in purchases each calendar year, 1% Back thereafter
  • 2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
  • 1% Back on other purchases
  • Expense management tools to help you track and organize expenses
  • $0 annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
14.24% - 22.24% Variable
$0
Good/Excellent

Business owners may enjoy the attention the 14-gram Amazon Prime Rewards Visa Signature Card receives — but they like the fact that they can earn big time rewards for purchases they make even more.

For starters, cardholders can choose between cash back or 90 days of interest-free financing on U.S. purchases made at Amazon Business, AWS, Amazon.com, or Whole Foods Market. An Amazon Prime membership is required to take advantage of the extended financing or bonus cash back offers.

American Express® Business Gold Card Review

at the issuer'ssecure website

BEST OVERALL RATING

★★★★★
4.5

OVERALL RATING

4.5/5.0
  • Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of card membership
  • Earn 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle, including airfare purchased directly from airlines, U.S. purchases for advertising in select media (online, TV, radio), U.S. purchases made directly from select technology providers of computer hardware, software, and cloud solutions, and U.S. purchases at gas stations, restaurants, or for shipping. Applies to the first $150,000 in combined purchases from these 2 categories each calendar year.
  • Earn 1X Membership Rewards® points on other purchases
  • Book your flight with American Express Travel using Membership Rewards® Pay with Points and get 25% of those points back
  • $295 annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
N/A (Charge Card)
$295
Excellent

The American Express® Business Gold Card weighs a solid 15 grams and helps business owners maximize their rewards in the categories their business spends the most in. This card offers a pay over time option that gives cardholders the flexibility to pay for their purchases over time (with interest). This is a new feature, as all premium Amex cards used to require cardholders to pay their balance in full each billing cycle.

As with most business cards, you’ll get employee cards, year-end spending summaries, account alerts, and online statements, among other features that make managing business finances easier.

What is a Metal Credit Card?

Metal credit cards work exactly like the plastic card options that populate the wallets of most consumers. They offer contactless payment options and EMV chip capabilities for the highest security. These cards are typically made of some type of metal — be it titanium, carbon, or brushed stainless steel — but they are more than just a pretty display piece.

Most banks save their metal cards for high-end offerings with the best rewards and perks. The high cost of manufacturing these cards, as well as the cost of the rewards, often means that you will have to pay a larger annual fee for the card.

Many metal cards have annual fees of between $300 and $500, but a few toward the top of our list have no annual fee at all.

Most consumers shy away from cards with an annual fee, thinking that they can get similar value from a $0 annual fee card, but that certainly isn’t always the case.

For example, a card may charge a $400 annual fee, but it also gives every cardholder a $325 annual travel credit that nearly pays back the annual fee. Add in the potential rewards and other perks, and you can usually come out ahead with these cards when you pay your balance each month and avoid interest charges.

How Do I Get a Metal Credit Card?

Some metal credit cards — including the infamous Amex Black Card — only accept applications from consumers it invites to apply for the card. The “Don’t call us, we’ll call you” mentality is part of what makes these cards so exclusive and sought after.

Other cards, such as the J.P. Morgan Reserve® credit card, require applicants to have a JP Morgan Private Bank account with at least $10 million in investable assets.

Thankfully, plenty of other metal credit cards accept online applications through their website or over the phone. By following the links to each card listed above, you can find application information for each card.

Just keep in mind that most metal rewards credit card products require a very good to excellent credit score for consideration. That means a FICO score of at least 740 with no recent late payments or other negative items that could impact your credit score.

What is the Best Metal Credit Card?

While the Amex Black Card gets all of the press and adulation, you can get similarish rewards from a metallic credit card with far fewer spending requirements and annual fee payments.

We like the Chase Sapphire Preferred® Card, which gives you access to one of the best redemption portals — Chase Ultimate Rewards. The card also provides travel and purchase coverage protections, partner benefits, and a very competitive interest rate.

BEST OVERALL RATING

★★★★★

4.7

OVERALL RATING

4.7/5.0
  • Our best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards®.
  • Earn 2X points on dining including eligible delivery services, takeout and dining out and travel. Plus, earn 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, 100,000 points are worth $1,250 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
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
15.99% - 22.99% Variable
$95
Good/Excellent

If travel is more your thing, the Capital One Venture Rewards Credit Card allows you to move around on your own terms without any restrictions.

Many of the cards on this list are co-branded credit cards, meaning that they are issued by a bank in partnership with another company. The Citi® / AAdvantage® Executive World Elite Mastercard®, for example, is issued by Citi in partnership with American Airlines.

As you’d expect, this card rewards you for purchases with American Airlines. You won’t get the top rewards if you book a flight with Delta using this card.

But the Capital One Venture Rewards Credit Card has no co-branded partnerships. Instead, you can use your earned miles to pay for all or part of a recently charged travel-related expense, so you don’t have to worry about blackout dates or carrier restrictions.

What is the Best Metal Credit Card with No Annual Fee?

The U.S. Bank Altitude® Go Visa Signature® Card is the no-annual-fee version of the Altitude card series. But don’t let the lack of an annual fee distract you from the rewards you can earn.

U.S. Bank Altitude® Go Visa Signature® Card Review

at the issuer'ssecure website

BEST OVERALL RATING

★★★★★

4.6

OVERALL RATING

4.6/5.0
  • Earn 20,000 bonus points when you spend $1,000 in the first 90 days of account opening
  • Earn 4X points on takeout, food delivery, and dining
  • Earn 2X points at grocery stores, grocery delivery, streaming services, and gas stations -- all other purchases earn 1 point per $1
  • Enjoy a 0% Intro APR on purchases and balance transfers for the first 12 billing cycles. After that, a variable APR applies
  • $15 credit for annual streaming service purchases such as Netflix and Spotify®
  • $0 annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 12 billing cycles
0% for 12 billing cycles
14.99% - 23.99% (Variable)
$0
Good/Excellent

With the potential to earn generous rewards and a 0% introductory APR on new purchases and balance transfers, it’s quite surprising this card doesn’t charge some type of fee for membership. And even after your introductory period ends, this card still charges one of the lowest ongoing interest rates of any card on this list.

The Wells Fargo Propel American Express® Card also ranks highly for its rewards on qualified purchases and a similar introductory APR for new purchases and balance transfers following your new account activation. If you are the type who loses or damages your phone regularly, this card also provides the added perk of cellphone insurance when you charge your monthly phone bill to the card.

Are Metal Credit Cards Better?

Metal credit cards have a striking look. Some people enjoy taking out a heavy credit card that draws attention and using it to pay for a purchase. A plastic credit card doesn’t draw that same kind of attention.

Aside from their appearance, metal credit cards also typically provide some of the best rewards credit card benefits and access to exclusive clubs, including airport lounges and other member-only areas.

That said, several plastic credit card options on the market have lower annual fees and similarly lucrative rewards programs. And, since a plastic credit card costs less to produce than a metallic credit card, you will not have to worry about paying higher costs to add the card to your wallet.

But if you are a frequent traveler — be it for personal or business purposes — and prefer to vacation in style, you may find that a metal credit card can give you tremendous rewards options and lounge access that you simply cannot get with a traditional credit card.

Which Card Companies Issue Metal Cards?

Since American Express issued the first metal credit card in 1999, several banks have jumped on the bandwagon and released their own premium credit card.

Among the banks that issue metal credit cards are:

  • American Express
  • Capital One
  • Chase
  • Wells Fargo
  • U.S. Bank
  • Luxury Card
  • Citi
  • City National Bank
  • HSBC

We will continue to update this list as banks revamp their credit card offerings to adapt to the competition and the demand in the marketplace. That means new premium card options will eventually reach the public — with some even going beyond the standard metal credit card.

The Luxury Card™ Mastercard® Gold Card™, for instance, is a 24K gold-plated credit card. If consumers take to that kind of card, you can bet that other banks will jump on board — and try to find something even more extravagant to attract new customers.

What is the Heaviest Metal Credit Card?

The JP Morgan Reserve card weighs in at a whopping 27 grams. To put that in perspective, the average plastic credit card — with an EMV chip — weighs approximately 5 grams.

JP Morgan Reserve®

The JP Morgan Reserve Card is made of palladium and weighs 27 grams.

The card, formerly known as the Palladium Card, is minted out of brass and plated with palladium — a metal that currently is valued at almost twice the price of gold. That even beats a platinum credit card made of platinum.

The premium credit card also features laser engraving throughout the card, giving it a truly unique presentation and ensuring the card will certainly stand out.

The card is not for everyone though. This is an invitation-only offering for clients of JP Morgan Private Bank who have at least $10 million in investable assets. After all, palladium is not cheap.

How Do You Properly Dispose of a Metal Credit Card?

Typically, when a new credit card comes in the mail, you reach for some scissors or a shredding machine and make confetti out of your old card.

That is a little more difficult when you have a credit card made of metal. You may want to hold onto any card that is plated in precious metal, such as gold or palladium. But if you have a standard steel or titanium card, you have several options for disposal.

  • Send it back to the card issuer: Most banks will accept expired or closed credit cards and recycle the metal to make new cards.
  • Return it to your local bank branch: If you do not want to send your old credit card through the mail, you can hand-deliver it to your local bank for safe and secure destruction.
  • Tin snips: This handy little tool can make short work of most metal credit cards. You can easily cut through metal with some tin snips just as you would cut up a plastic credit card with scissors.

However you decide to dispose of your metal card, just remember that you should keep it out of the paper shredder, or you may be buying a new paper shredder. On the bright side, that purchase will get you closer to a welcome bonus with the new card.

Metal Credit Cards Are Becoming Increasingly Common

What this list has shown is that metal credit cards are available for every budget, as more issuers get in on the trend and start making their own metallic offerings. Whether you want to avoid paying an annual fee altogether or you’re okay with coughing up $1,000 a year for a fancy credit card, you have a lot of options, and those options are only going to become more plentiful.

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