The Ultimate Guide to Credit Cards
Friday, September 25, 2020

12 Best Metal Credit Cards: 2020 List

Metal Credit Cards

credit card advice

Brittney Mayer
By: Brittney Mayer
Updated: September 10, 2020
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Some things in life practically scream luxury, like the hundreds of crystal chandeliers adorning the rooms of the renowned Emirates Palace in Abu Dhabi.

But it’s one thing to look luxurious; it’s another thing entirely to feel like luxury — which is likely why metal credit cards have gained such popularity.

Once reserved for the wealthiest cardholders, today’s market is full of metallurgic marvels of all rewards types, offering everything from travel rewards to hotel points and slews of perks designed to bring a little luxury into your life. In this article, we’ll take a look at some of the best metal credit cards out there today and cover some of the perks that come with these stylish and eye-catching cards.

Travel | Points | No Annual Fee | Co-Branded | Exclusive

Travel Credit Cards Made of Metal

Although all of our metal card options will provide rewards for everyday shopping, many of the best ore-laden payment cards are designed with the busy traveler in mind.

Not only do these top travel credit cards come with flexible travel rewards, but each has a metal-alloy composition that gives them that luxury feel.

Don’t worry about airport security, though; reports indicate these cards shouldn’t set off the usual metal detectors.

  • 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 $3000 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—from vacation rentals to car rentals and more. Plus transfer your miles to over 10+ travel loyalty programs
  • No foreign transaction fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
17.24% - 24.49% (Variable)
Excellent, Good

One of the newest cards to get a metal makeover, the Capital One® Venture® Rewards Credit Card is 16 grams of flexible-rewards fun. It seems only new cardholders are given the metal version of the card, however, so you may not receive metal if you renew your existing card.




  • 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®
  • $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
  • Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
16.99%-23.99% Variable

Weighing a full 13 grams, the Chase Sapphire Reserve® was one of the first metal credit cards available without an invitation. Beyond its composition, the card’s high rewards rates, annual travel credits, and network of transfer partners all make it a worthwhile pick for regular travelers.




  • Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®.
  • 2X points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining out & 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, 80,000 points are worth $1,000 toward travel.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Earn 5X points on Lyft rides through March 2022. That's 3X points in addition to the 2X points you already earn on travel.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
15.99% - 22.99% Variable

The lower-cost sibling of the Chase Sapphire Reserve®, the Chase Sapphire Preferred® Card has less than a quarter of the annual fee but the same 13-gram metallic composition as its big sibling. Plus, cardholders still earn the flexible Ultimate Rewards® points on every purchase.

Points Credit Cards Made of Metal

While many of us will save up so we can splurge on luxury while on vacation, wouldn’t it be lovely to have a little bit of luxury every day?

With the right credit card in your wallet, you can turn every grocery and drug store purchase into a great excuse to indulge in the luxury feel of a sleek metal credit card. Who says errands have to be boring?

Just make sure your new points card has more going for it than mass — especially if it carries a big annual fee. Pick a card with rewards that fit your spending habits and lifestyle to help justify keeping the weighty wonder in your wallet.

4. Platinum Card® from American Express

The Platinum Card® from American Express has a metallic finish and  an 18-gram heft that give the card much of the look and feel of its namesake metal.

American Express Platinum Card

  • Earn 5X Membership Rewards® points per $1 on flights/hotels booked directly with the airline/hotel or American Express Travel
  • Receive up to $200 in Uber credits per year
  • Receive a $200 airline fee credit each year

As with many of the elite cards on our list, the Platinum Card’s purchase rewards are only a portion of the card’s appeal. It also comes with annual credits, elite status benefits, and a range of other perks.

5. U.S. Bank Altitude™ Reserve Visa Infinite® Card

The semi-exclusive U.S. Bank Altitude™ Reserve Visa Infinite® Card won’t require an invitation, but you’ll need to be a U.S. Bank customer to apply. While not a card with a high shine finish, it’s one of the heavier metal cards on the market at 16 grams.

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

  • Earn 3X points per $1 on eligible travel purchases and mobile wallet spending
  • Receive up to $325 annual travel reimbursements
  • Receive 12 annual complimentary wifi passes

The Altitude Reserve is a Visa Infinite card, so cardholders can access a range of Visa Infinite benefits, including exclusive airfare discounts.

No Annual Fee Credit Cards Made of Metal

Exploring the current range of metal credit cards, it can be easy to succumb to the sticker shock their annual fees can incite. But you don’t need to take on a big annual fee to enjoy the benefits of a metal credit card.

That being said, your options for annual-fee-free metal cards are definitely limited — to a single card, in fact. But that one card can pack a lot of value for those who can make the most of its rewards.

6. Amazon Rewards Visa Signature® Card

The Amazon Rewards Visa Signature® Card — or the Amazon Prime Rewards Visa Signature Card, if you have a Prime Membership — comes in at 13 grams and is the only no-annual-fee card sporting a metallic composition.

Amazon Rewards Visa Signature® Card

  • Earn 3% back on and Whole Foods purchases; Prime Members earn 5% back
  • Earn 2% cash back at restaurants, gas stations, and drugstores
  • Pay no annual card fee, Prime fee may apply

The points earned with an Amazon Visa card can be redeemed for travel, gift cards, or a statement credit, as well as redeemed directly at checkout for Amazon purchases.

Co-Branded Credit Cards Made of Metal

For the brand loyalist, the hotel or airline co-branded credit card can hold significant value — and not just as an easy way to score free stays or flights.

Co-branded credit cards also typically offer exclusive perks and lucrative benefits, including things like free room upgrades or free checked bags on flights.

So, how do you take an exclusive credit card to the next level? Why, you make it metal, of course.

7. The Ritz-Carlton Rewards® Credit Card

One of the heaviest metal credit cards on the market, the 28-gram Ritz-Carlton Rewards® Credit Card definitely makes an impression worthy of the brand’s luxury image.

 The Ritz-Carlton Rewards® Credit Card

  • Earn 5X points per $1 spent at eligible Ritz-Carlton and Starwood hotels
  • Earn 2X points on airline tickets, car rentals, and restaurants
  • Receive a $300 annual travel credit

On top of purchase rewards, the Ritz-Carlton Rewards® Credit Card comes with hotel perks that include elite status, annual club level upgrades, and access to the premier concierge. (This card is not currently open to new applicants.)

8. Marriott Bonvoy Brilliant American Express® Card

The Marriott Bonvoy Brilliant American Express® Card is the rebranded program’s top-tier rewards card. The card offers the same 6X points on Marriott Bonvoy purchases as its less expensive sibling, plus 3X points at U.S. restaurants and on airfare purchased directly from the airline.

Marriott Bonvoy Brilliant American Express® Card

  • Earn 6X Marriott Bonvoy points per dollar at eligible Marriott Bonvoy properties
  • Receive complimentary Gold Elite status
  • Pay $450 annual fee

Cardholders can also enjoy complimentary Gold Elite status at Marriott Bonvoy properties, an annual $300 Marriott Bonvoy statement credit for eligible property purchases, and a free night award each year after the cardholder anniversary.

9. United MileagePlus® Club Card

Another metallic card issued by Chase, the United MileagePlus® Club Card is currently the only airline co-branded metal card. Coming in at just 12 grams, it’s fairly light for a metal card, though the card still has more than twice the weight of a regular plastic card.

United MileagePlus® Club Card

  • Earn 2X miles per $1 on United airline tickets purchased directly from United
  • Earn 1.5X miles per $1 on all other purchases
  • Receive two free checked bags on United flights

While the United MileagePlus® Club Card’s earnings rate is surely a big draw for cardholders, it’s likely the accompanying United Club membership that appeals to regular United flyers.

Exclusive Credit Cards Made of Metal

Of course, no list of metal credit cards would be complete with the exclusive and elite cards that started it all.

Not only are a couple of these cards invitation-only beauties that inspire envy by name alone, but the cards below are also made with luxury metals like titanium, gold, and palladium.

10. Centurion® Card from American Express

The quintessential elite credit card, the Centurion® Card from American Express is known the world over as the Black Card. Reportedly the very first of the modern metal credit cards, the Centurion® Card is made of anodized titanium and weighs a whopping 14 grams.

Centurion® Card from American Express

  • Earn 1.5X per $1 on all purchases of more than $5,000, up to 1 million points per year
  • Earn 1X points per $1 on all other purchases
  • Receive elite status with multiple hotel brands

While the points earned with a Centurion® Card are alright, the card is packed with other perks, including elite status with Marriott , Hilton, IHG, and Relais & Châteaux 5C.

11. Luxury Card™ Mastercard® Gold Card™

At 22 grams, the Barclays-backed Luxury Card™ Mastercard® Gold Card™ has a hefty composition — and an equally hefty annual fee. For just $995 a year, you can swipe a card made with 24-carat gold.

Mastercard® Gold Card™

  • Earn an unlimited 1X point per $1 spent on all purchases
  • Redeem points at 2% value when redeemed for airfare and cash back
  • Receive a $200 annual airline credit

In addition to purchase rewards, the Luxury Card™ Mastercard® Gold Card™ comes with a variety of benefits, including 24/7 access to the Luxury Card Concierge, global luggage delivery, and no foreign transaction fees.

12. J.P. Morgan Reserve

The invite-only J.P. Morgan Reserve is an elite credit card reportedly only available to J.P. Morgan Price Bank clients. The card, originally called the J.P. Morgan Palladium, is made of brass and palladium and comes in at 27 grams.

 J.P. Morgan Reserve

  • Earn 3X Ultimate Rewards® points per $1 on travel and dining purchases worldwide
  • Earn 1X Ultimate Rewards® points on all other purchases
  • Receive a $300 annual travel credit

If the rewards offered by the J.P. Morgan Reserve look familiar, it’s because they likely are; the card’s features are nearly identical to the mainstream Chase Sapphire Reserve® — which is also available in metal.

Metal Credit Cards Can Be Hard to Destroy

Although luxury can very much be in the eye of the beholder, some things are universally fancy, like crystal chandeliers, marble showers — and metal credit cards.

Unfortunately, for all their appeal, metal credit cards do have one downside: destroying them. Given their metallic natures, these cards can be a bit of a pain to dispose of when they expire.

The tried-and-true method of “bend it back and forth until it snaps” is unlikely to work with one of these metallurgic masterpieces. The Platinum Card, for example, can only be bent 0.3 centimeters.

So, how to get rid of your old metal credit card? Well, you could always get crafty and upcycle your card with a fun project. Or you can take the simple route and simply contact your issuer; most will happily dispose of your old metal card for free.

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