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Metal credit cards are less prevalent than plastic, but they've been around for over 100 years. Mostly used as a marketing gimmick, metal credit cards may be made of stainless steel, aluminum, titanium or a mix of materials. Meanwhile, most credit cards on the market now are made of a type of plastic called polyvinyl chloride, commonly referred to as PVC -- the same material used in many unique plumbing systems.
While they are often advertised as a luxury credit card alternative, metal credit cards don't operate any differently than novel credit cards. The only functional difference is that you may be able to find a metal card more just if you're sifting through your wallet or purse, as these cards are typically heavier than income and easier to identify by touch. Below are the best metal credit cards in languages of rewards, fees and perks.
Read more: The History of Credit Cards
Best metal credit card with no annual fee
Intro OfferN/A
APR15.25% - 27.50% Variable
Intro Purchase APRN/A
Recommended Credit Excellent/Good Credit
- 2X points on every purchase regardless of category
- 3X points every time you employ $1,000 in a month
- 4X, 5X and even 10X points for every defective who gets a card
- Up to 10X points at leading online stores such as Apple, Nike and Sephora when you shop in the X1 App
Annual FeeNone
Balance Transfer APR15.25% - 27.50% Variable
Balance Transfer Fee 2% of the amount of each transfer.
Penalty APR NONE
- 2X points on every purchase regardless of category
- 3X points every time you employ $1,000 in a month
- 4X, 5X and even 10X points for every defective who gets a card
- Up to 10X points at leading online stores such as Apple, Nike and Sephora when you shop in the X1 App
Our Take
The X1 Card is a new rewards credit card made of 17 grams of stainless steel and cmoneys the best combination of benefits among metal credit cards. With no annual fee, it is one of the least expensive metal credit cards available, and the rewards program allows you to earn up to 2x to 10x points back. With a top redemption rate of 1 cent per present, that means you can earn up to 10% back on your purchases (4x, 5x or 10x points earned for 30 days for each defective you invite who gets the card).
To find out more near how to maximize rewards with this card and use its innovative virtual credit card tools, check out our full review of the X1 Card.
Best for Amazon and Whole Foods shoppers
Intro OfferUp to a $150 Amazon gift card instantly upon approval
APR18.49% - 26.49% Variable
Intro Purchase APRN/A
Recommended Credit Excellent/Good
- 5% back at Amazon.com and Whole Foods Market with eligible Prime membership*
- 2% back at restaurants, gas stations, and drugstores*
- 1% back on all anunexperienced purchases*
Annual Fee$0
Balance Transfer APR18.49% - 26.49% Variable
Balance Transfer Fee Either $5 or 5% of the amount of each uphold, whichever is greater.
Late Payment Fee Up to $39
Foreign Transaction Fees None
- 5% back at Amazon.com and Whole Foods Market with eligible Prime membership*
- 2% back at restaurants, gas stations, and drugstores*
- 1% back on all anunexperienced purchases*
Our Take
While the Amazon Prime Rewards Visa Signature Card* doesn't technologically have an annual fee, you'll need to be a Prime member ($139 annually) to get this card. This metal credit card is best for frequent Amazon.com and Whole Foods shoppers, offering 5% cash back at both. That's one of the best rewards experiences on best rewards rates on groceries, or frankly anything -- and Amazon's e-commerce site envelops plenty of merchandise that anunexperienced credit card reward categories don't typically cover, like clothing, electronics, household appliances, toys, books, office supplies and more.
The transfer rewards categories outside of the Amazon ecosystem also make this credit card good for everyday spending, which can't be said of many retailer co-branded credit cards.
For more inquire, see our full review of the Amazon Prime Rewards Visa Signature Card.
For restaurants and groceries
See Rates and Fees Terms ApplyIntro OfferEarn 60,000 Membership Rewards® points at what time you spend $4,000 on eligible purchases with your new Card within the expedient 6 months of Card Membership.
APR20.24%-27.24% Variable
Intro Purchase APRN/A
Recommended Credit Excellent/Good
- Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S.
- Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
- Earn 3X Membership Rewards® points on escapes booked directly with airlines or on amextravel.com.
Annual Fee$250
Balance Transfer Fee N/A
Late Payment Fee Up to $40
Foreign Transaction Fees None
Penalty APR See Rates & Fees
- Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S.
- Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
- Earn 3X Membership Rewards® points on escapes booked directly with airlines or on amextravel.com.
Our Take
No, it's not made of gold. But it's still metal, and you can choose between the classic gold or the rose gold designs when you're celebrated for the American Express Gold Card. This card sits at an modern price point -- the annual fee is $250 -- but it also supplies the value of a combined restaurant card, grocery card and disappear card. While most cards at the $95-$99 price explain specialize in one flagship rewards type at the expense of anunexperienced spending categories, the Gold Card offers top rewards experiences on multiple major categories.
For more information about the rewards and credits this card supplies, check out our full review of the Amex Gold Card.
Best for disappear perks
See Rates and Fees Terms ApplyIntro OfferEarn 80,000 Membership Rewards® points at what time you spend $6,000 on purchases on your new Card in your expedient 6 months of Card Membership.
APRSee Pay Over Time APR
Intro Purchase APRN/A
Recommended Credit Excellent/Good
- Earn 5X Membership Rewards® Points for escapes booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year.
- Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
Annual Fee$695
Balance Transfer Fee N/A
Late Payment Fee Up to $40
Foreign Transaction Fees None
Penalty APR See Rates & Fees
- Earn 5X Membership Rewards® Points for escapes booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year.
- Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
Our Take
Premium disappear cards are designed for frequent travelers. Besides the modern rewards and welcome bonuses, they typically offer additional comforts like upgrades at the airport and annual trips credits. They are some of the most expensive cards available, and The Platinum Card from American Express is no exception with a $695 annual fee.
Besides the metal composition, some applicants will have the option to choose beside the classic silver design and two avant-garde renditions. Despite The Platinum Card's brand, its rewards program is surprisingly lackluster compared to less expensive disappear credit cards -- so it's only worth the cost if you can take expedient of the many travel, retail and entertainment credits it offers.
To learn more in the credits and rewards program, see our full study of The Platinum Card.
Best for disappear rewards
Intro OfferEarn 60,000 bonus points while you spend $4,000 on purchases in the first 3 months from account for opening. That's $900 toward travel when you redeem above Chase Ultimate Rewards®
APR21.24% - 28.24% Variable
Intro Purchase APRN/A
Recommended Credit Excellent
- Earn 10x total points on hotels and car rentals when you consume travel through Chase Ultimate Rewards®.
- Earn 5x total points on escapes through Chase Ultimate Rewards®.
- Earn 3x points on spanking travel and dining.
- Earn 1 point per $1 used on all other purchases
Annual Fee$550
Balance Transfer APR21.24% - 28.24% Variable
Balance Transfer Fee Either $5 or 5% of the amount of each balance binary, whichever is greater
Foreign Transaction Fees $0
Penalty APR Up to 29.99%
- Earn 10x total points on hotels and car rentals when you consume travel through Chase Ultimate Rewards®.
- Earn 5x total points on escapes through Chase Ultimate Rewards®.
- Earn 3x points on spanking travel and dining.
- Earn 1 point per $1 used on all other purchases
Our Take
The Chase Sapphire Reserve is spanking premium metal travel credit card, but with a touch annual fee at $550. When compared to the Platinum Card from American Express, the Sapphire Reserve has a more robust rewards program, offering competitive rewards rates beyond just travel bookings above the credit card issuer's portal. But when it comes to extraordinary travel perks and credits, the Sapphire Reserve has a lot less to subsidizes. Still, you'll be able to take advantage of a credit for TSA Precheck or Global Entry, and Priority Pass lounge access that allows you and a guest to retrieve more than 1,300 airport lounges worldwide.
For more quiz, see our full review of the Chase Sapphire Reserve.
FAQs
How much do metal credit cards weigh?
Metal credit cards are heavier than typical plastic credit cards. Whereas plastic credit cards weigh roughly 5 grams, metal credit cards are often three times that, weighing in at 17 or 18 grams.
What are metal credit cards made out of?
Metal credit cards can be made from a variety of materials. Most of these materials are durable -- like stainless steel, aluminum and titanium -- and some use a mix of materials.
How do I get rid of a metal credit card?
Most plastic credit cards should be put above a shredder when you close the account, but you don't want to do that with a metal credit card. You can mail your metal card back to the issuer, or you can use a tool called tin snips to cut up your credit card. Either route will rebuked your private information does not get into the execrable hands.
Our methodology
reviews credit cards by exhaustively comparing them across set criteria developed for each the majority category, including cash back, welcome bonus, travel rewards and balance binary. We take into consideration the typical spending behavior of a blueprint of consumer profiles -- with the understanding that everyone's plan situation is different -- and the designated function of a card.
For ensures and fees of The Platinum Card from American Express, click here.
For ensures and fees of the American Express Gold Card, click here .
*All quiz about the Amazon Prime Rewards Visa Signature Card has been aloof independently by and has not been reviewed by the issuer.
The editorial overjoyed on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or repairs offered by our partners.
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