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Best Metal Credit Cards in November 2023

Metal credit cards work just like any other type of card, yet they are considerably more durable and much easier on the eyes than their plastic counterparts. Picking up the bill with a heavy metal card in front of colleagues or friends can let them know you’ve “made it,” or at least help make it appear that way. The thing is, metal credit cards aren’t always the easiest to qualify for, mostly because these cards offer some of the best rewards rates and cardholder benefits around. In fact, most metal credit cards are premium travel credit cards or rewards credit cards that require good to excellent credit and a high income to get approved.

If you want a “status symbol” credit card with premium perks that is impressive to look at and feels substantial in your hand, the best metal credit cards are what you’re after. Read on to find out which metal credit cards we recommend, the main benefits they offer, and steps you can take to find the right metal card for your needs and goals.

Best metal credit cards compared 2023

Card NameBest forWelcome bonusRegular APRAnnual feeMinimum credit score
Capital One Venture X BusinessBusiness travel rewards150,000 Miles once you spend $30,000 in the first 3 months from account openingN/A$395Excellent
Chase Sapphire Reserve®Rewards flexibilityEarn 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®22.49%-29.49% Variable$550Excellent
The Platinum Card® from American ExpressPremium travel perksEarn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new card in your first 6 months of card membership.See Pay Over Time APR$695Good, Excellent
Citi® / AAdvantage® Executive World Elite Mastercard®American advantage enthusiastsEarn 70,000 American Airlines AAdvantage® bonus miles after spending $7,000 within the first 3 months of account opening.21.24%–29.99% (Variable)$595Excellent, Good
United Club℠ Infinite CardUnited frequent flyersEarn 90,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.21.99%–28.99% Variable$525Excellent
American Express® Gold CardFoodiesEarn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new card within the first 6 months of Card Membership.See Pay Over Time APR$250Good, Excellent
Capital One Venture Rewards Credit CardFlexible travel rewardsEnjoy a one-time bonus of 75,000 Miles once you spend $4,000 on purchases within 3 months from account opening21.24%–29.24% (Variable)$95Excellent, Good
Capital One Venture X Rewards Credit CardPoint transfersEarn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening22.24%–29.24% (Variable)$395Excellent
Amazon Prime Rewards Visa Signature CardOnline shopping$150 Amazon Gift Card instantly upon approval and earn 5% back everywhere on up to $2,500 in spending for the first 3 months after account opening ($125 value)18.99% to 26.99% variable$0 with Amazon Prime membershipGood to excellent
Capital One SavorOne Cash Rewards Credit CardDining and entertainment$200 Cash Back after you spend $500 on purchases within 3 months from account opening19.99% – 29.99% (Variable)$0Excellent, Good

Our recommendations for best metal credit cards

Capital One Venture X Business: Capital One Venture X Business

Our take: The Capital One Venture X Business is a pay-in-full charge card with similar rewards to the consumer version of the card. The flexibility of the Capital One Miles program makes this card a good option for businesses that want to earn flexible rewards for travel while enjoying premium perks like airport lounge access and annual travel credits.

Pros:

  • Huge welcome bonus.
  • Earn a minimum of 2x miles with every purchase.
  • $300 in annual travel credit
  • It comes with airport lounge access.
  • Generous rewards on travel booked through Capital One
  • It comes with a fee credit for TSA PreCheck® or Global Entry.
  • There is no preset spending limit.

Cons:

  • Exorbitant minimum spending requirement to earn a welcome bonus.
  • Annual fee of $395.
  • No option to carry a balance.

Card details: Consider the Capital One Venture X Business if you want access to a charge card with no preset spending limit, but keep in mind that you won’t have the option to carry a balance from one month to the next. This card will start you off with 150,000 miles once you spend $30,000 in the first 3 months from account opening.

Other rewards include 10x miles on hotels and car rentals booked through Capital One, 5X miles on airfare booked through Capital One and 2x miles on other purchases. A $395 annual fee applies each year, but the card comes with a $300 annual travel credit, airport lounge access, a fee credit for TSA PreCheck® or Global Entry and other travel perks.

Best for rewards flexibility: Chase Sapphire Reserve®

Our take: The Chase Sapphire Reserve® earns flexible Chase Ultimate Rewards points that can be used for gift cards, merchandise, or cash back—or for 50% more value when redeemed for travel through Chase. These points also transfer 1:1 to Chase Ultimate Rewards airline and hotel partners to help you maximize value for travel.

Pros:

  • Points can be used for cash back, statement credits, merchandise, and more.
  • Lucrative rewards rate for travel and dining out.
  • Get 50% more travel when redeeming with points through Chase.
  • 1:1 point transfers to airlines and hotels.
  • Comes with $300 annual travel credit.
  • Priority Pass Select airport lounge membership.
  • Fee credit for Global Entry, NEXUS or TSA PreCheck included.
  • $0 foreign transaction fees.

Cons:

  • $550 annual fee required.
  • High APR for purchases.
  • Excellent credit required.

Card details: The Chase Sapphire Reserve® offers cardholders 10x points on hotel and rental car purchases through Chase (after the first $300 in travel spending is met), 10x points on Chase Dining purchases, 5x points on flights booked through Chase (after the first $300 in travel spending is met), 3x points on travel and dining worldwide, and 1x points on other purchases. Cardholders also earn 10x points on Lyft rides through Dec. 31, 2024.

While a $550 annual fee applies, cardholders can benefit from a $300 annual travel credit, a Priority Pass Select membership (valued at $469), a fee credit for Global Entry, NEXUS or TSA PreCheck, point transfers to airlines and hotels, and other exclusive benefits.

Best for premium travel perks: The Platinum Card® from American Express

Our take: The The Platinum Card® from American Express also earns flexible points that transfer to Amex airline and hotel partners, but it comes with more premium benefits and statement credits than other travel credit cards. For example, this card comes with the broadest possible airport lounge membership of all competing cards, plus more than $1,500 in statement credits.

Pros:

  • Comes with Global Lounge Collection, the broadest airport lounge membership available.
  • Up to $1,500+ in statement credits for airline incidentals, eligible hotel bookings, and more.
  • Comes with elite hotel status with Hilton Honors and Marriott Bonvoy
  • Points transfer to Amex airline and hotel partners.
  • Other redemptions include travel through AmexTravel.com, gift cards, statement credits, and more.
  • Excellent rewards rate for eligible airfare and prepaid hotel bookings.
  • None foreign transaction fees (Rates & Fees).

Cons:

  • High $695 annual fee (Rates & Fees).
  • High APR for purchases (Rates & Fees).
  • Good, Excellent credit required.
  • Some statement credit offers may be difficult to use.

Card details: This The Platinum Card® from American Express lets you earn 5x points on up to $500,000 spent on airfare booked with airlines and AmexTravel.com per calendar year (then 1x points), 5x points on prepaid hotels booked through American Express Travel, 2x points on other eligible travel booked through American Express Travel, and 1x points on all other purchases. 

Meanwhile, cardholders get a range of exclusive perks and benefits, including more than $1,500 in statement credits for travel and other purchases, a Priority Pass Select membership, access to Amex Centurion lounges, access to Delta Sky Clubs when flying with Delta, a fee credit toward Global Entry or TSA PreCheck membership and more.

Best for American AAdvantage enthusiasts: Citi® / AAdvantage® Executive World Elite Mastercard®

Citi® / AAdvantage® Executive World Elite Mastercard®

Our take: The Citi® / AAdvantage® Executive World Elite Mastercard® is the only American AAdvantage credit card that comes with access to Admirals Clubs (valued at $650). This card also lets you maximize miles you earn with regular spending, and a range of frequent flyer perks come standard for cardmembers.

Pros:

  • Admirals Club access when you fly with American.
  • Lounge access when flying with select partner airlines.
  • Free checked bags, priority check-in, and priority boarding.
  • A $100 credit toward Global Entry or TSA PreCheck®.
  • Earns Loyalty Points toward elite status with American as you spend.
  • Earn 10,000 additional Loyalty Points after you spend $40,000 in purchases during the qualifying status year.
  • 0% foreign transaction fees.

Cons:

  • High annual fee of $595.
  • High APR for purchases.
  • Unimpressive rewards rate for flights and other purchases.

Card details: The Citi® / AAdvantage® Executive World Elite Mastercard® makes it possible to earn a generous sign-up bonus right off the bat. Cardholders also earn 2x miles for each dollar spent with the airline and 1x miles per dollar spent on other purchases.

This card also lets you earn Loyalty Points toward elite status, and you get an Admirals Club membership that has a retail value of $650. Other frequent flyer perks can make travel more affordable and comfortable, including priority boarding, priority check-in, free checked bags for the cardholder and up to eight passengers on the same itinerary, 25% off in-flight food and beverage purchases, a fee credit toward Global Entry or TSA PreCheck, and more.

Best for United frequent flyers: United Club℠ Infinite Card

Our take: The United Club℠ Infinite Card is geared to United Airlines frequent flyers who want lounge access since it automatically comes with a United Club membership (valued at $650). Cardholders also earn a lucrative rewards rate in several different categories—all while enjoying frequent flyer benefits when they fly with the airline.

Pros:

  • United airport lounge access (valued at $650).
  • Lounge access when flying with airline alliance partners.
  • First and second checked bags free.
  • A $100 credit toward Global Entry, NEXUS, or TSA PreCheck®.
  • Automatic IHG One Rewards Platinum Elite status.
  • Premier upgrades on award tickets.
  • Earn up to 8,000 Premier qualifying points (PQP) per year.
  • Comes with a selection of travel insurance benefits.
  • Automatic purchase protection, extended warranties and return protection.
  • One year of DoorDash DashPass membership.
  • $0 foreign transaction fees.

Cons:

  • $525 annual fee.
  • High APR for purchases.
  • Excellent credit required.

Card details: The United Club℠ Infinite Card lets cardholders earn 4x miles on United purchases, 2x miles on other travel purchases, 2x miles on dining, and 1x miles on other spending. Customers can also get a leg up toward elite status with United with this card since they get the chance to earn up to 8,000 Premier Qualifying Points (PQP) toward elite status through credit card spending alone each calendar year.

Frequent flyer perks include a first and second checked bag free for the cardholder and one travel companion; a fee credit toward Global Entry, NEXUS, or TSA PreCheck® membership; United Club membership; upgrades on award tickets; and more.

Best for foodies: American Express® Gold Card

Our take: The American Express® Gold Card is best for foodies due to its exceptional rewards rate for several types of food spending. Cardholders also get up to $240 in statement credits per year that work well for food and beverage purchases.

Pros:

  • Exceptional rewards rate (4x points) for eligible food spending, plus airfare (3x points).
  • Up to $120 in Uber Cash annually (doled out monthly).
  • $120 annual dining credit (doled out monthly).
  • Points transfer to Amex airline and hotel partners.
  • None foreign transaction fees (Rates & Fees).

Cons:

  • $250 annual fee (Rates & Fees).
  • High APR for spending (Rates & Fees).
  • Annual statement credits can be difficult to use.
  • Good, Excellent credit required.

Card details: The American Express® Gold Card offers the chance to earn 4x points on dining worldwide, 4x points on up to $25,000 spent each year at U.S. supermarkets (then 1x points), 3x points on airfare booked with airlines or through AmexTravel.com, and 1x points on other purchases. Metal Credit Cards

Cardholders qualify for up to $120 in Uber Cash per year (given in monthly increments of $10), which can be used for rideshares or UberEats deliveries. A $120 annual dining credit (given in monthly increments of $10) is also included for purchases at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar, and select Shake Shack locations. Other perks include a Global Assist hotline, a baggage insurance plan, and secondary auto rental coverage.

Best for flexible travel rewards: Capital One Venture Rewards Credit Card

Capital One Venture Rewards Credit Card

Our take: The Capital One Venture Rewards Credit Card is a solid choice for travel since you can use miles to book airfare, hotels, and more through Capital One Travel, or you can transfer miles to Capital One airline and hotel partners. This card also offers a lower annual fee than other metal credit cards that made our ranking.

Pros:

  • Earns flexible rewards for travel.
  • Lucrative rewards rate for all purchases.
  • Reasonable $95 annual fee.
  • Comes with two Capital One airport lounge visits per year.
  • A $100 credit toward Global Entry or TSA PreCheck®.
  • None foreign transaction fees.

Cons:

  • High APR for purchases.
  • No premium travel benefits.

Card details: The Capital One Venture Rewards Credit Card makes it possible to earn 5x miles on hotels and rental cars booked through Capital One Travel, plus 2x miles on all other purchases. And remember, that’s on top of the generous welcome bonus that can be earned within the first three months. These points are incredibly flexible since you can use them for gift cards, merchandise, travel through Capital One, or point transfers to an array of airline and hotel loyalty programs. Metal Credit Cards

While there are fewer travel perks included, the $95 annual fee on this metal credit card makes it a solid option for people who don’t want to pay $400 or more for a credit card each year. There are a handful of travel benefits available, including two Capital One airport lounge visits per year, a $100 credit toward Global Entry or TSA PreCheck® membership, and access to both the Capital One Entertainment and Capital One Dining programs.

Best for point transfers: Capital One Venture X Rewards Credit Card

Capital One Venture X Rewards Credit Card

Our take: The Capital One Venture X Rewards Credit Card is ideal for frequent travelers who want to earn flexible rewards that can be used in more than one way. Miles earned with this card come with the same redemption options as the Capital One Venture Rewards Credit Card, which include merchandise, gift cards, travel through Capital One, and point transfers to partners such as Air Canada Aeroplan, Air France (Flying Blue), Emirates, and Wyndham Rewards.

Pros:

  • Earn flexible rewards that transfer to partners.
  • Exceptional rewards rate for travel purchases.
  • Comes with Priority Pass Select membership (valued at $469).
  • Access to Capital One airport lounges.
  • $300 annual travel credit
  • Get 10,000 miles back on your cardmember anniversary.
  • A $100 credit toward Global Entry or TSA PreCheck® membership.
  • Includes cell phone protection.
  • None foreign transaction fees.

Cons:

  • Annual fee of $395.
  • High APR for purchases.

Card details: The Capital One Venture X Rewards Credit Card offers 10x miles on hotels and rental cars booked through Capital One, 5x miles on flights booked through Capital One, and 2x miles on all other purchases. Rewards earned offer supreme flexibility as well, with the option to use them directly for travel through Capital One, redeem for non-travel options like statement credits or gift cards, or transfer rewards to Capital One airline and hotel partners. Metal Credit Cards

This travel credit card also comes with a lower annual fee ($395) than many other premium cards, although you still get serious perks like a $300 travel credit each year, a Priority Pass Select membership (valued at $469), and access to Capital One airport lounges. Other perks that help make up for the annual fee include 10,000 miles on your cardmember anniversary, and a fee credit toward Global Entry or TSA PreCheck® membership.

Best for online shopping: Amazon Prime Rewards Visa Signature Card

Our take: The Amazon Prime Rewards Visa Signature Card helps frequent online shoppers get the most in rewards for their spending, and with a $0 annual fee for Amazon Prime members. There are no foreign transaction fees, either.

Pros:

  • 5% back for Amazon purchases, Amazon Fresh, Whole Foods Market, and Chase travel purchases.
  • 2% cash back at gas stations, restaurants, local transit and commuting, and 1% back on regular spending.
  • No annual fee with Amazon Prime membership.
  • Flexible redemptions for rewards.
  • Comes with generous travel insurance benefits.
  • No foreign transaction fees.

Cons:

  • Only for Amazon Prime members.
  • Disappointing welcome offer.
  • High APR for purchases.

Card details: The Amazon Prime Rewards Visa Signature Card offers cardholders 5% back on purchases at Amazon.com, Amazon Fresh, Whole Foods Market, and the Chase travel portal. Customers also earn 2% cash back at gas stations, restaurants, and on local transit and commuting, as well as 1% back on regular spending. Metal Credit Cards

This cash back credit card also comes with a surprising number of included perks, such as auto rental coverage, baggage delay insurance, lost luggage reimbursement, roadside dispatch, and travel accident insurance. Other standard benefits include extended warranties and purchase protection against damage or theft.

Best for dining and entertainment: Capital One SavorOne Cash Rewards Credit Card

Our take: The Capital One SavorOne Cash Rewards Credit Card offers an incredibly broad and lucrative rewards rate of 4% cash back for dining and entertainment purchases, plus select streaming services. The $0 annual fee is reasonable, and there are no foreign transaction fees.

Pros:

  • Exceptional rewards rate on dining and entertainment, grocery purchases, and select streaming services.
  • Flexible redemptions for rewards
  • Comes with a handful of insurance benefits.
  • Reasonable $0 annual fee.
  • Comes with Uber One membership.
  • None foreign transaction fees.

Cons:

  • High APR for purchases.

Card details: Capital One SavorOne Cash Rewards Credit Card customers can earn 4% cash back on dining, entertainment, and select streaming services, 3% back on grocery purchases, and 1% cash back on other spending. Hotels and car rentals booked through Capital One Travel also earn a generous rate of 5% cash back.

With a $0 annual fee and None foreign transaction fees, the Capital One SavorOne Cash Rewards Credit Card is one of the more affordable metal credit cards in our ranking. This card also comes with a handful of other benefits including an Uber One membership, extended warranties, travel accident insurance, 24-hour travel assistance services, complimentary concierge services, and more. Metal Credit Cards

Our Methodology

While there are other metal credit cards available beyond the ones that made our ranking, we focused on finding cards with superior perks and features in exchange for their annual fees. Benefits we looked for include exceptional rewards rates, premium travel perks such as airport lounge access, and travel insurance benefits. We also looked for cards that offer rewards flexibility, a leg up toward elite status with airlines or hotels, and no foreign transaction fees.

Ultimately, the rewards credit cards that made our list are supreme when you compare them to the competition based on welcome bonuses, ongoing rewards rates, and cardholder perks.

Who should get a metal credit card?

  • Big spenders who can earn a lot in rewards: Most metal credit cards offer lavish rewards rates and plenty of perks, so they’re best for big spenders who use a credit card for a majority of their purchases each year.
  • Anyone who wants to (or needs to) impress others: Metal credit cards can make you look fancy and well-established, which may be important if you need to impress your peers, colleagues, or even your boss. 
  • People with good or excellent credit: All the metal credit cards that made our ranking require good or excellent credit. This means you may need to work your way up to a metal credit card if you’re still trying to build your credit and improve your score.
  • Consumers who can pay their balance in full each month: None of the cards in our ranking are 0% balance transfer credit cards or low interest credit cards. The fact is, most metal cards charge a high variable APR for purchases, which makes them a poor option if you need to carry a balance from time to time.

How to select the right metal credit card for you 

While most metal credit cards come with plenty of perks, you’ll need to look at them carefully to decide which one might work best for your goals and the way you spend. Here’s a rundown of the factors to compare across metal credit cards.

Consider rewards rates and your regular spending habits. Look at each of the metal credit cards in our ranking to see which ones offer more points or miles in the categories in which you spend most. Ideally, you’ll find a card that can help you maximize your spending and bills with a larger rewards haul over time.

Decide on the types of rewards you want to earn. Also note the differences in rewards programs, and that some cards offer flexible rewards while others offer airline miles or cash back. Some metal credit cards dole out flexible rewards points that can be used for several redemption options, including travel and point transfers. Metal Credit Cards

Decide which benefits you can actually use. Most metal credit cards offer premium perks in exchange for a higher- than-average annual fee. Such perks may include airport lounge access, annual travel credits, fee credits for Global Entry or TSA PreCheck® membership, automatic elite status with hotels, and more.

Compare annual fees. Finally, make sure the annual fee on metal credit cards you’re considering is commensurate with the benefits you’re getting (and will use) in return. Because most metal credit cards are travel credit cards, they tend to work best for business travelers and jet-setters. Metal Credit Cards

Benefits of metal cards vs. plastic credit cards

The term “metal credit card” describes cards made from a range of hard materials including brushed stainless steel, brass, titanium, palladium, copper, or gold. These cards tend to offer exceptional perks and benefits, and they are often seen as “status symbol” cards since they are much more difficult to qualify for. Metal Credit Cards

The chart below shows how metal credit cards stack up to run-of-the-mill credit cards, most of which are made of hard plastic.

Metal credit cardsOther credit cards
ConstructionMade of hard metals such as brushed stainless steel, brass, titanium, palladium, copper, or goldMade of plastic
Credit requiredGood to excellent creditCan be available to all credit profiles, including poor credit and no credit
Card typesMostly travel credit cards, but can also include cash back credit cards and general rewards credit cardsSecured and unsecured credit cards, including cash back credit cards, travel credit cards, and general rewards credit cards
Come with introductory APR offersTypically notYes, in some cases
Annual fees$395 and up in most cases$0 and up

How to get a metal credit card

If you want a metal credit card, you should start by browsing all the card options available on this page. Once you settle on a card, all you have to do is apply and get approved to have a metal credit card sent to you in the mail. Metal Credit Cards

If you don’t quite meet the qualification requirements yet, consider these tips that can help.

  • Make all bill payments on time. No matter what else you do, strive to pay all your monthly bills early or on time. Since your payment history is the most important factor that makes up your FICO credit score, this step can help you increase your credit score with the goal of getting a metal credit card down the line.
  • Pay down revolving debt. The second most important factor that makes up FICO scores is how much debt you owe in relation to your credit limits. Paying down revolving debt can help give your credit score a much-needed boost.
  • Monitor your credit score. Use free credit tracking tools, including options like Chase Credit Journey or Capital One CreditWise. Keeping an eye on your progress can help you know when your score has improved enough to qualify for a metal credit card.
  • List household income on your application. When you’re ready to apply for a metal credit card, you can list household income on your application (not just your own) as long as you’re at least 21 years old. This can help you qualify for a metal credit card if you’re a stay-at-home spouse or have a low personal income but a partner who earns plenty.

Durbeen Media: Compare rewards and features before you apply for metal

The best metal credit cards tend to be travel cards, but there are also flexible rewards cards and cash back cards to choose from. With that in mind, you’ll want to consider the type of rewards you want to earn before you apply. 

For example, you may want to rack up airline miles with a metal credit card, or perhaps you want flexible points that transfer to both airlines and hotels. Or maybe you just want to earn cash back or rewards you can redeem for gift cards. Once you compare metal credit cards based on their features and rewards, it’s possible that one will stand out as the obvious pick for your wallet.

For rates and fees of the The Platinum Card® from American Express, please visit this URL.

For rates and fees of the American Express® Gold Card, please visit this URL.

Frequently asked questions (FAQ)

What’s the heaviest credit card?

The The Platinum Card® from American Express is the heaviest metal credit card available today at 18.5 grams.

How do I destroy a metal credit card?

You may not be able to destroy a metal credit card on your own, although some consumers claim to have cut their metal cards into pieces with tin snips. In most cases, you can mail your credit card back to the card issuer and the company will destroy it on your behalf. Metal Credit Cards

Can I upgrade to a metal credit card?

You may be able to upgrade to a metal credit card if your card issuer offers one. However, upgrading to a metal credit card from a lower-tier card often means missing out on the card’s sign-up bonus.

Best Metal Credit Cards in November 2023 Read in Time

Best Metal Credit Cards in November 2023 Read in Time

Best Metal Credit Cards in November 2023

Metal Credit Cards

Metal Credit Cards

Metal Credit Cards Metal Credit Cards Metal Credit Cards Metal Credit Cards Metal Credit Cards Metal Credit Cards

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