Best Metal Credit Cards of October 2025
Learn which metal credit cards offer the best benefits and perks. Read our comprehensive breakdown to find which metal card is right for you.
Ryan Flanigan is a former Bankrate credit cards writer and Certified Credit Counselor with the National Association of Certified Credit Counselors. He has more than 10 years of experience using credit cards to help people reach their travel goals. Before he began writing about maximizing credit card points, Ryan performed worldwide as an entertainer, which grew his love of travel.
Before Bankrate, Ryan spent the past three years as a freelance writer for AwardWallet and Miles To Memories, discussing beginning to advanced strategies.
In his free time, he enjoys traveling with his family, watching sports and creating memories with his son.
Don’t be afraid of using credit cards to help put money back in your pocket. Whether in miles, points, or cash back, as long as you have the discipline to use credit cards responsibly, you can reap significant rewards to make your dreams come true.
My miles and points philosophy can be summed up in three words — earn and burn.
— Ryan Flanigan, CCC
Learn which metal credit cards offer the best benefits and perks. Read our comprehensive breakdown to find which metal card is right for you.
The TD Bank Clear Platinum Visa with $1,000 Credit Limit's lack of an interest rate may be attractive, but watch out for the monthly fees.
The Hotels.com credit card is a straightforward alternative for guests focused on flexible reward nights over brand loyalty perks.
The IHG One Rewards Club Premier Credit Card is a great choice for IHG loyalists who travel often enough to justify the annual fee.
The American Express Business Platinum Card is now offering a 200,000-point bonus.
If you’re a foodie and have a passion for everything from fine-dining to drive-throughs, this card is for you.
The Choice Rewards World Mastercard’s best features are its low interest rate and $0 balance transfer fee — two standout features not found with traditional rewards cards.
The Mastercard Titanium Card comes with a steep annual fee and not enough rewards to justify it.
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