Best metal credit cards for December 2022

On Chase's secure site

Add to compare

Best for sign-up bonus

Chase Sapphire Preferred® Card

On Chase's secure site

Add to compare

Rewards Rate

5x 5x on travel purchased through Chase Ultimate Rewards®
3x 3x on dining.
2x 2x on all other travel purchases, plus more.

Intro offer

60,000 points

Annual fee

$95

Regular APR

19.74% - 26.74% Variable

Recommended credit

Good to Excellent (670 – 850)

- 5x 5x on travel purchased through Chase Ultimate Rewards®
- 3x 3x on dining.
- 2x 2x on all other travel purchases, plus more.
The Chase Sapphire Preferred Card is an excellent choice for cardholders who want a lucrative (and metal!) travel credit card without shouldering an exorbitant annual fee. It boasts a simple rewards structure, top-notch ancillary travel protections and one of the highest sign-up bonuses on the market.
Read our full Chase Sapphire Preferred Card review.
Pros

You’ll get a 25 percent boost in points value when you redeem for travel through Chase Ultimate Rewards.

Solid 60,000-point sign-up bonus worth $750 toward Chase Ultimate Rewards Travel after spending at least $4,000 on purchases within the first three months of account ownership.
Cons

No 0 percent introductory APR offer on purchases or balance transfers.

This card is lacking some of the premium travel perks, like lounge access and annual travel credits, offered by some of its competitors.
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
- Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
Additional features

Purchase intro APR

N/A

Balance transfer intro APR

N/A

Best for luxury travelers

The Platinum Card® from American Express

On American Express's secure site

Add to compare

Best for luxury travelers

The Platinum Card® from American Express

On American Express's secure site

Add to compare

4.8 Bankrate review

See Rates & Fees , Terms Apply

4.8 Bankrate review

See if you're pre‐approved for this card with CardMatch™

Rewards Rate

5X Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year.
5X Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.

Intro offer

Earn 80,000 points

Annual fee

$695

Regular APR

See Pay Over Time APR

Recommended credit

Good to Excellent (670 – 850)

- 5X Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year.
- 5X Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
Luxury travelers will appreciate the premium perks associated with this popular (but pricey) American Express card. Benefits include a lucrative return on eligible travel-related purchases, monthly and annual credits, and the most extensive lounge access touted by any card (metal or not) on the market.
Read our full Platinum Card from American Express review.
Pros

The monthly and annual credits associated with the card could provide around up to $1,400 in recurring value.

This card provides top-notch premium lounge access, particularly in comparison to its major competitors.
Cons

Some of the perks, particularly the credits, come with caveats and can be tricky to maximize.

The $695 annual fee is one of the highest on the market.
- Earn 80,000 Membership Rewards® points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
- Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
- Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings, which requires a minimum two-night stay, through American Express Travel when you pay with your Platinum Card®.
- $240 Digital Entertainment Credit: Get up to $20 back each month on eligible purchases made with your Platinum Card® on one or more of the following: Audible, Disney+, The Disney Bundle, ESPN+, Hulu, Peacock, SiriusXM, and The New York Times. Enrollment required.
- $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax. Plus Ups are excluded.
- American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. There are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
- $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline.
- $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
- Get up to $300 back per calendar year on the Equinox+ digital fitness app, or eligible Equinox club memberships when you pay with your Platinum Card. Enrollment required. Learn more.
- Breeze through security with CLEAR® lanes available at 100+ airports, stadiums, and entertainment venues and get up to $189 back per calendar year on your membership when you use your Card. Learn more.
- $695 annual fee.
- Terms Apply.
Additional features

Purchase intro APR

N/A

Balance transfer intro APR

N/A

Best for foodies

American Express® Gold Card

On American Express's secure site

Add to compare

Best for foodies

American Express® Gold Card

On American Express's secure site

Add to compare

See Rates & Fees , Terms Apply

See if you're pre‐approved for this card with CardMatch™

Rewards Rate

4X Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S.
4X Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
3X Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.

Intro offer

60,000 points

Annual fee

$250

Regular APR

19.74%-26.74% Variable

Recommended credit

Good to Excellent (670 – 850)

- 4X Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S.
- 4X Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
- 3X Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
This popular American Express card stands out as the most rewarding card for food purchases on the market. The $250 annual fee is pricey, though not quite as steep as some of the other cards in American Express’ line-up, but can potentially be recouped if you properly leverage your annual credits.
Read our full American Express Gold Card review.
Pros

The rate of return on food purchases is best-in-class.

The card touts a number of notable ancillary benefits, including travel and shopping protections.
Cons

You’ll only earn bonus points on travel purchases bookly directed with the airlines or AmexTravel.com

The card’s credits come with caveats and can be tricky to maximize.
- Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
- Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and 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 flights booked directly with airlines or on amextravel.com.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
- $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
- Choose the color that suits your style. Gold or Rose Gold.
- No Foreign Transaction Fees.
- Annual Fee is $250.
- Terms Apply.
Additional features

Purchase intro APR

N/A

Balance transfer intro APR

N/A

Best for renters

Bilt Mastercard®

On Wells Fargo's secure site

Add to compare

Best for renters

Bilt Mastercard®

On Wells Fargo's secure site

Add to compare

4.0 Bankrate review

See Rates & Fees

4.0 Bankrate review

Rewards Rate

3X Points 3x points on dining
2X Points 2x points on travel
1X Points 1x points on other purchases
1X Points Earn up to 1x points on rent payments without the transaction fee, up to 50,000 points each calendar year. When you make at least 5 posted transactions in a statement period using your Bilt Mastercard, you'll earn points on rent and qualifying net purchases.

Intro offer

N/A

Annual fee

None

Regular APR

19.99%, 22.99% or 27.99% Variable.

Recommended credit

Good to Excellent (670 – 850)

- 3X Points 3x points on dining
- 2X Points 2x points on travel
- 1X Points 1x points on other purchases
- 1X Points Earn up to 1x points on rent payments without the transaction fee, up to 50,000 points each calendar year. When you make at least 5 posted transactions in a statement period using your Bilt Mastercard, you'll earn points on rent and qualifying net purchases.
Paying rent with a credit card is almost never worth it due to the transaction fees you’ll typically face. This card not only waives those fees, but also earns rewards on rent payments. Add in bonus points on travel and dining and an impressive list of transfer partners and this card is a great choice for renters and frequent travelers alike.

Read our full Bilt Mastercard review.
Pros

Bilt points are worth 1.25 cents each when you redeem through the Bilt travel portal — 25 percent more than typical credit card points.

It’s one of the only no-annual-fee cards to offer immediate access to high-value travel partners, including airlines like United and hotel brands like Hyatt.
Cons

Like most no-annual-fee cards, it’s missing luxury travel perks like airport lounge access and automatic elite status with airlines and hotels.

You’d need to spend thousands of dollars to make up for the card’s missing sign-up bonus (many no-annual-fee cards offer a bonus of at least $200 after a modest spend).
- $0 Annual Fee.
- Earn up to 1x points on rent payments without the transaction fee, up to 50,000 points each calendar year.
- 2x points on travel.
- 3x points on dining.
- 1x points on other purchases.
- Earn points when you make 5 transactions that post each statement period.
- When renting at a Bilt Alliance property, you can choose to have your rent payments automatically reported by Bilt to the three major credit bureaus each month; Experian™, TransUnion™, and Equifax™.
Additional features

Purchase intro APR

N/A

Balance transfer intro APR

N/A

Best for frequent travelers

Chase Sapphire Reserve®

On Chase's secure site

Add to compare

Best for frequent travelers

Chase Sapphire Reserve®

On Chase's secure site

Add to compare

Rewards Rate

10x Earn 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards®.
5x Earn 5x total points on flights through Chase Ultimate Rewards®.
3x Earn 3x points on other travel and dining.
1x Earn 1 point per $1 spent on all other purchases

Intro offer

60,000 points

Annual fee

$550

Regular APR

20.74% - 27.74% Variable

Recommended credit

Excellent (740 – 850)

- 10x Earn 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards®.
- 5x Earn 5x total points on flights through Chase Ultimate Rewards®.
- 3x Earn 3x points on other travel and dining.
- 1x Earn 1 point per $1 spent on all other purchases
Big spenders can reap ample rewards with this premium Chase credit card that offers a generous return on dining and travel-related purchases, decent sign-up bonus, ancillary travel protections and an annual $300 travel statement credit. Just be sure you can afford the steep $550 annual fee.
Read our full Chase Sapphire Reserve review.
Pros

Boost points value by 50 percent when redeeming for travel through the Chase rewards program.

The annual statement credit is one of the easiest to redeem on the market.
Cons

If you’re looking for luxury perks as a traveler, you might find certain benefits of this card, like its lounge network, lacking.

Some premium travel credit cards offer higher sign-up bonuses.
- Earn 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®
- $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
- Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
- 1:1 point transfer to leading airline and hotel loyalty programs
- Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
Additional features

Purchase intro APR

N/A

Balance transfer intro APR

N/A

Best for Marriott loyalists

Marriott Bonvoy Brilliant® American Express® Card

On American Express's secure site

Add to compare

Best for Marriott loyalists

Marriott Bonvoy Brilliant® American Express® Card

On American Express's secure site

Add to compare

See Rates & Fees , Terms Apply

Rewards Rate

6X Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program.
3X 3 points at Worldwide Restaurants and on flights booked directly with airlines.
2X 2 points on all other eligible purchases.

Intro offer

150,000 points

Annual fee

$650

Regular APR

19.49%-28.49% Variable

Recommended credit

Good to Excellent (670 – 850)

- 6X Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program.
- 3X 3 points at Worldwide Restaurants and on flights booked directly with airlines.
- 2X 2 points on all other eligible purchases.
Frequent travelers and full-time Marriott patrons can get the VIP treatment with this high-end hotel card from American Express. Perks include a welcome offer and card renewal month bonus, annual statement credits and standout travel insurance. Of course, you’ll pay for these benefits in the form of a $650 annual fee.
Read our full Marriott Bonvoy Brilliant American Express Card review.
Pros

The card earns cardholders Elite Platinum status in the Marriott Bonvoy rewards program.

The card offers premium travel protections like trip interruption, cancellation and delay insurance.
Cons

The barrier of entry is fairly high to be approved for this card, even for those with good credit.

The $650 annual fee may alienate some potential cardholders.
- Earn 150,000 Marriott Bonvoy® bonus points after you use your new Card to make $5,000 in purchases on the Card within the first 3 months.
- Each Card renewal year, get up to $300 in statement credits per calendar year (up to $25 per month) for eligible purchases at restaurants worldwide.
- A Marriott Bonvoy Platinum Elite member will earn 50% more points on eligible purchases at participating hotels for each U.S. dollar or the currency equivalent that is incurred and paid for by the member.
- Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program. 3 points at Worldwide Restaurants and on flights booked directly with airlines. 2 points on all other eligible purchases.
- Marriott Brilliant Free Night Award: Receive 1 Free Night Award every year after your Card renewal month. Award can be used for one night (redemption level at or under 85,000 Marriott Bonvoy points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
- Each calendar year after spending $60,000 on eligible purchases, Card Members are eligible to select an Earned Choice Award benefit. Benefit options include: Five (5) Suite Night Awards, 85K Free Night Award, and mattress and box spring $750 discount from Marriott Bonvoy Boutiques.
- $100 Luxury Property Credit: Enjoy your stay. Receive up to a $100 property credit for qualifying charges at The Ritz-Carlton® or St. Regis® when you book direct using a special rate for a two-night minimum stay using your Card.
- Fee Credit for Global Entry or TSA PreCheck®: Receive either a statement credit every 4 years after you apply for Global Entry ($100) or a statement credit every 4.5 years after you apply for a five-year membership through any Authorized Enrollment Provider for TSA PreCheck® (up to $85) when you pay the application fee with an eligible Card. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
- Each calendar year you can receive 25 Elite Night Credits toward the next level of Marriott Bonvoy Elite status. Limitations apply per Marriott Bonvoy member account. Benefit is not exclusive to Cards offered by American Express. Terms apply.
- Enroll in Priority Pass Select, which offers unlimited access to over 1,200 lounges in over 130 countries, regardless of which carrier or class you are flying. This allows you to relax before or between flights. You can enjoy snacks, drinks, and internet access in a quiet, comfortable location.
- Enjoy unlimited airport lounge visits when you enroll in Priority Pass™ Select membership.
- No Foreign Transaction Fees on international purchases.
- Cell phone protection: You can be reimbursed for your costs to repair or replace your damaged or Stolen cell phone up to $800, subject to a $50 deductible, for 2 approved claims per 12-month period when your prior month's wireless bill was paid utilizing an Eligible Card Account. Terms and conditions apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.
- $650 Annual Fee.
- Terms Apply.
Additional features

Purchase intro APR

N/A

Balance transfer intro APR

N/A

Best for low annual fee travel

Capital One Venture Rewards Credit Card

On Capital One's secure site

Add to compare

Best for low annual fee travel

Capital One Venture Rewards Credit Card

On Capital One's secure site

Add to compare

4.9 Bankrate review

4.9 Bankrate review