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Best metal credit cards for May 2024

Updated June 04, 2024

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A metal credit card features a metal construction that adds a sleek and desirable form to your wallet. Many of the best credit cards available are made from metal, though it’s the cards’ rewards and perks that make them great. Although metal cards were once geared towards luxury travelers and wealthy individuals, you can find plenty of metal credit cards designed for the everyday consumer.

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BEST OVERALL

Bankrate score

Rating: 4.8 stars out of 5
4.8
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Chase's secure site

Intro offer

Info

75,000 bonus points

$1,500 value
Info

Rewards rate

Info

1x - 5x

Annual fee

$95

Regular APR

21.49% - 28.49% Variable

BEST FOR BIG SPENDERS

Bankrate score

Rating: 4.8 stars out of 5
4.8
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on American Express's secure site
See Rates & Fees , Terms Apply

Intro offer

Info

Earn 80,000 points

$1,600 value
Info

Rewards rate

Info

5X - 5X

Annual fee

$695

APR

See Pay Over Time APR

BEST FOR FOODIES

Bankrate score

Rating: 5 stars out of 5
5.0
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on American Express's secure site
See Rates & Fees , Terms Apply

Intro offer

Info

60,000 Membership Rewards® Points

$1,200 value
Info

Rewards rate

Info

3X - 4X

Annual fee

$250

APR

See Pay Over Time APR

Best for renters

Bankrate score

Rating: 4 stars out of 5
4.0
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Wells Fargo's secure site

Intro offer

Info

N/A

Rewards rate

Info

1X Points - 3X Points

Annual fee

None

Regular APR

See Terms

Best for frequent travelers

Bankrate score

Rating: 5 stars out of 5
5.0
Info
Recommended credit score: 740 - 850
Info
Apply now Lock
on Chase's secure site

Intro offer

Info

75,000 bonus points

$1,500 value
Info

Rewards rate

Info

1x - 10x

Annual fee

$550

Regular APR

22.49% - 29.49% Variable

BEST FOR MARRIOTT LOYALISTS

Bankrate score

Rating: 4.3 stars out of 5
4.3
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on American Express's secure site
See Rates & Fees , Terms Apply

Intro offer

Info

Earn 95,000 Marriott Bonvoy bonus points

$665 value
Info

Rewards rate

Info

2X - 6X

Annual fee

$650

APR

20.99%-29.99% Variable

BEST FOR BUDGET-CONSCIOUS TRAVELERS

Bankrate score

Rating: 4.9 stars out of 5
4.9
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Capital One's secure site

Intro offer

Info

Earn 75,000 miles

$1,275 value
Info

Rewards rate

Info

2 Miles - 5 Miles

Annual fee

$95

Regular APR

19.99% - 29.99% (Variable)

Compare Bankrate’s top metal credit cards

Card name Rewards rate Bankrate review score

5X points on travel purchases made through Chase TravelSM

3X points on dining 

2X points on all other travel purchases.

4.8 / 5

Info
(Read card review)
Apply now Lock
on Chase's secure site
5X Membership Rewards points for prepaid hotels and flights when you book with American Express Travel or an airline directly (up to $500,000 spent in a calendar year).

4.8 / 5

Info
(Read card review)
Apply now Lock
on American Express's secure site
See Rates & Fees , Terms Apply

4X Membership Rewards points at restaurants, including takeout and delivery in the U.S., and at U.S. supermarkets (up to $25,000 in purchases per year. then earn 1X points)

3X Membership Rewards points flights directly on airlines or with American Express Travel

5.0 / 5

Info
(Read card review)
Apply now Lock
on American Express's secure site
See Rates & Fees , Terms Apply

3X points on dining 

2X points on travel

Up to 1X points on rent payments (up to a maximum 100,000 points per calendar year) and other purchases (Earn points when you make 5 transactions that post each statement period). See Rewards and Benefits terms.

4.0 / 5

Info
(Read card review)
Apply now Lock
on Wells Fargo's secure site

10X points on hotels and car rentals when purchased through Chase Travel℠

5X points on air travel when purchased through Chase Travel℠ (after earning your $300 travel credit)

3X points on all other travel and dining purchases

5.0 / 5

Info
(Read card review)
Apply now Lock
on Chase's secure site
6X Marriott Bonvoy points on eligible purchases at hotels participating in the Marriott Bonvoy®  program
 
3X points on flights booked directly with an airline and at restaurants worldwide
 
2X points on all other eligible purchases

4.3 / 5

Info
(Read card review)
Apply now Lock
on American Express's secure site
See Rates & Fees , Terms Apply

5X miles on hotels and rental cars when booked through Capital One Travel

2X Capital One miles on all purchases

4.9 / 5

Info
(Read card review)
Apply now Lock
on Capital One's secure site

Why have a metal card?

Initially seen as a status symbol, today’s metal cards are generally as accessible as their plastic counterparts. Many who seek out these cards see them as an accessory or an expression of personality. Sleek and refined, these cards command a certain presence when you take them out of your wallet (or accidentally drop them on the floor). 

Metal cards not only have the look, but also back it up with functionality and value. Higher-end metal cards are often “luxury” cards, which include helpful benefits like travel and luggage protections, as well as generous credits that help offset steep annual fees. Such cards may also allow you to transfer your earned rewards to travel partners, potentially boosting the overall value of those rewards. 

What types of credit cards are metal?

Many credit cards are made of metal, but a metal form factor tends to be associated with luxury rewards and travel cards. You can also find some co-branded cards made of metal. Here are some of the card types that most often feature metal cards.

Some of the best travel and rewards cards are made of metal, but that’s not all. Though you shouldn’t prioritize form over function, you should be able to find a card that fits your goals and spending habits, even if you’re set on a metal credit card.

  • Travel credit cards: Many of the top travel credit cards are made from metal, so if you’re searching for a new travel card (especially a higher-tier card with an annual fee), it’s likely you can find one that’s made from metal. Most (though not all) metal travel cards offer valuable perks like airport lounge access, free hotel nights or elite status, credits for TSA Precheck or Global Entry and more.
  • Credit cards for excellent credit: Most metal credit cards — even those you wouldn’t think of as premium cards — require excellent credit for approval.
  • Select co-branded cards: Some co-branded cards boast a luxury metal form factor without charging a high annual fee. Cards like the Prime Visa and Apple Card not only sport a sleek metal form factor, but can also be decent low-cost rewards cards available with good credit.

You’re unlikely to find a metal card option in the following categories:

  • Credit-building cards: People building credit are generally out of luck when it comes to getting a metal credit card, as next to no cards available with bad credit, fair credit or a limited credit history are made of metal. If you’re at this stage of your credit journey, you should prioritize good credit-building habits and with time you may qualify for higher-tier metal rewards cards.
  • Typical cash back cards: Although the best cash back cards can offer terrific upfront and long-term value, not many of them are metal. Most cash back cards are plastic — especially those that charge no annual fee. If you want to earn cash back but are set on getting a metal card, you may have more luck with a general rewards card that lets you redeem points or miles for cash back without sacrificing redemption value versus redeeming for travel.
  • Student cards: Like credit-building cards, student cards typically aren’t made of metal. Students may want to wait on a metal card, anyway, as annual fees — which metal cards usually have — could weigh especially heavy in a student’s wallet.
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Bankrate’s take: While metal cards more often fall into a premium card category, there’s no guarantee that the card will have good value. For example, the Mastercard® Gold Card™ arguably boasts more style than substance, with its design impressing more than its rewards rates.

Pros and cons of metal credit cards

Pros

  • Checkmark

    Premium perks and benefits: The best metal credit cards typically come with premium benefits such as airport lounge access, elevated status with car rental and hotel brands, and annual travel credits.

  • Checkmark

    Luxury feel: Though not all metal cards are necessarily premium, there’s still a sense of luxury (and a certain “plunk” factor) associated with metal credit cards that some consumers might count as a pro.

  • Checkmark

    Durability: A metal card likely won’t need to be replaced as frequently as a plastic card.

Cons

  • Annual fees: Metal credit cards tend to offer luxury perks and great rewards rates, so they often come with a hefty price tag. These fees may not be worth it if the card’s rewards and perks aren’t a great fit for your priorities and spending habits.

  • Difficult to destroy: The card’s durability can become a headache at the end of your credit card account. Metal credit cards are notoriously difficult to destroy because you can’t bend them, cut them with scissors or put them through a shredder.

What people say about metal cards

Metal credit cards can be a great mix of utility and style but often carry a higher annual fee reflective of their numerous perks. Still, they constantly have high ratings for a reason: these perks are well worth the cost of admission. 

Tips on choosing the best metal credit card for you

Metal cards are often elite cards that come with a ton of perks that match their hefty price tags. The best metal credit card for you will come with benefits that fit into your overall financial goals. 

Here are a few steps to follow to help you make your decision.

Here’s what our experts say

It shouldn’t be your priority to get a metal credit card simply because it’s metal, but many of the best cards out there happen to be made of metal. Several members of Bankrate’s editorial staff hold one or more of these cards because of their valuable rewards or perks. 

Bilt Mastercard

“I initially was very skeptical about the value of the Bilt card. I've been proven wrong. While it's a little outside of the box, that's what gives it an edge. Doubling points earned on ‘Rent Day’ is a great feature. I'll save travel and dining purchases for that day just to earn the high rates. They always have great promos for card members, and Bilt points are one of the most valuable currencies available. The unique ability to pay rent with your card with no additional convenience fees is also vastly underrated and a great tool to have.”

— Ryan Flanigan, Writer

Prime Visa

“I have a relatively busy lifestyle and simply don’t have enough time for shopping around between superstores and home goods stores to find the best deals on household essentials. I started using Amazon to save time and became a Prime member for all its benefits, like fast shipping and discounts. Soon after, I applied for the Prime Visa. Although a Prime membership is required, the cash back I earn from Amazon purchases offsets the Prime membership fee without straining my budget.”

— Brendan Dyer, Writer

Apple Card

"As an iPhone user, I've found paying with and paying off the Apple Card very convenient. I especially love the Wallet app's notifications and straightforward interface, which help me track spending and ensure I always make my card payments on time. And I won't lie, that titanium clank you get when you set the card down is always satisfying."

— Nouri Zarrugh, Senior Editor

 

All information about the Apple Card and Amazon Business Prime American Express Credit Card has been collected independently by Bankrate.com and has not been reviewed or approved by the issuer. Eligibility and benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.

*For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply

Have more questions for our credit cards editors? Feel free to send us an email, find us on Facebook, or Tweet us @Bankrate.

How we assess the best metal credit cards

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When evaluating the best metal credit cards, we take into account several factors, including how cards score in our proprietary card rating system and whether they offer features that fit the priorities of a diverse group of cardholders, from earning rewards to scoring a large sign-up bonus to saving on interest. 

We analyzed over 250 of the most popular credit cards and selected standouts that features a metal construction. We scored each card based on the factors most relevant to its primary category, including its rewards rate, estimated annual earnings, intro APR period, ongoing APR, perks and more to determine whether it belonged in this month’s roundup. 

Here are some of the key factors that we considered:  

Frequently asked questions about metal credit cards