Best for sign-up bonus

Apply now
On Chase's secure site
Terms Apply
Rewards rate
  • 5X Earn 5X points on travel purchased through Chase Ultimate Rewards®.
  • 3X Earn 3X points on dining.
  • 2X Earn 2X points on all other travel purchases, plus more.
Intro bonus
60,000 points 
Annual fee
$95
Regular APR
15.99%-22.99% Variable
Recommended credit
Good to Excellent (670 - 850)
Apply now
On American Express's secure site
See Rates & Fees, Terms Apply
Rewards rate
  • 10X Earn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of Card Membership.
  • 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 bonus
100,000 points 
Annual fee
$695
Regular APR
See Pay Over Time APR
Recommended credit
Good to Excellent (670 - 850)
Apply now
On American Express's secure site
See Rates & Fees, Terms Apply
Rewards rate
  • 4X Earn 4X Membership Rewards® Points at Restaurants, including takeout and delivery.
  • 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 bonus
60,000 points 
Annual fee
$250
Regular APR
See Pay Over Time APR
Recommended credit
Good to Excellent (670 - 850)

Best for frequent travelers

Apply now
On Chase's secure site
Terms Apply
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 air travel 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 bonus
50,000 points 
Annual fee
$550
Regular APR
16.99%-23.99% Variable
Recommended credit
Excellent (740 - 850)
Apply now
On American Express's secure site
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 U.S. restaurants and on flights booked directly with airlines.
  • 2X 2 points on all other eligible purchases.
Intro bonus
150,000 points 
Annual fee
$450
Regular APR
15.74%-24.74% Variable
Recommended credit
Good to Excellent (670 - 850)

All information about the Capital One Savor Cash Rewards Credit Card and Amazon Prime Rewards Visa Signature Card has been collected independently by Bankrate.com and has not been reviewed or approved by the issuer.


Compare the best metal credit cards of 2021

Card name Best for Rewards rate Bankrate review score
Chase Sapphire Preferred® Card Sign-up bonus 5X points on travel purchases made through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases 4.3 / 5
(Read our full review)
The Platinum Card® from American Express Luxury travelers 5X Membership Rewards® points for flights when you book with American Express Travel or an airline directly (up to $500,000 spent in a calendar year). 4.3 / 5
(Read our full review)
American Express® Gold Card Foodies 4X Membership Rewards® points at restaurants including takeout and delivery, and at U.S. supermarkets (up to $25,000 in purchases per year. then earn 1X points) 4.5 / 5
(Read our full review)
Chase Sapphire Reserve® Frequent travelers 10X points on hotels and car rentals and 5X points on air travel when purchased through the Chase Ultimate Rewards® program (after earning your $300 travel credit), 3X points on all other travel and dining purchases, and at least 1X points spent on all general purchases. 4.5 / 5
(Read our full review)
Marriott Bonvoy Brilliant™ American Express® Card Marriott loyalists 6X Marriott Bonvoy points on eligible purchases at hotels participating in the Marriott Bonvoy™ program, and 3X points on flights booked directly with an airline and at U.S. restaurants 4.5 / 5
(Read our full review)
Capital One Venture Rewards Credit Card Low annual fee travel 2X Capital One miles on all purchases. 4.3 / 5
(Read our full review)
Capital One Savor Cash Rewards Credit Card Entertainment seekers 4% cash back on dining, entertainment, and popular streaming services, 3% cash back at grocery store (except for superstores like Walmart and Target), and 1% cash back on all other purchases N/A
Amazon Prime Rewards Visa Signature Card Online shopping 5% cash back on all purchases made at Amazon.com and Whole Foods Markets, 2% cash back at restaurants, gas stations and drugstore, and 1% cash back on all other purchases 4.5 / 5
(Read our full review)


A closer look at Bankrate’s top metal credit cards

Chase Sapphire Preferred® card

Best for sign-up bonus

  • This card is best for: Travelers looking to take their first foray into travel rewards credit cards who spend enough to justify the card’s (relatively) reasonable $95 annual fee.
  • This card is not a great choice for: Travelers looking for premium level perks, like free checked bags or access to airport lounges.
  • What makes this card unique? If you’re looking for a travel card with a well-rounded rewards program and a relatively low annual fee, this card fits the bill. At 12.4 grams, this metal card may not weigh as much as some of its competitors, but it’s certainly durable and a worthy addition to a frequent traveler’s wallet.
  • Is the Chase Sapphire Preferred worth it? The well-balanced rewards program will certainly go a long way toward helping cardholders recoup the cost of the annual fee. The 60,000 point sign-up bonus is one of the most lucrative on the market. You’ll get $750 value toward Chase Ultimate Rewards travel-related purchases after spending $4,000 in the first three months from account opening.

Read our full Chase Sapphire Preferred Card review.
Jump back to offer details.

The Platinum Card® from American Express

Best card for luxury travelers

  • This card is best for: Travelers who want luxury perks, like access to high-end airport lounges.
  • This card is not a great choice for: Infrequent travelers and people looking to save money on travel versus elevating their travel experience
  • What makes this card unique? At 18.5 grams, the Platinum is one of the heavier metal credit cards on the market. That weight reflects its value as this card comes fully-loaded, featuring a bevy of luxury travel perks, including lounge access, annual credits, elite hotel deals and robust travel protections.
  • Is The Platinum Card® from American Express worth it? The annual fee is one of the highest on the market. However, if you travel frequently, are looking for a laundry list of luxury perks, and can strategically maximize the annual credits, you can reap a lot of value out of this premium American Express card.

Read our full Platinum Card from American Express card review.
Jump back to offer details.

American Express® Gold Card

Best for foodies

  • This card is best for: Foodies who love eating out and saving on their gourmet ingredient purchases as this card offers an industry-leading return on food purchases.
  • This card is not a great choice for: A cardholder looking for luxury travel benefits or someone who doesn’t spend enough (on food or otherwise) to justify the pricey annual fee.
  • What makes this card unique? If you’re in the market for a premium credit card, but consider yourself more of a foodie than globetrotter, this card will appeal to you. At 14.7 grams, this sturdy metal card offers a host of benefits for the culinary lover, including annual dining credits and a top-notch rewards rate on food purchase.
  • Is the American Express Gold Card worth it? The high $250 annual fee will give some people pause, but big food spenders can find a way to strategically recoup that cost and come out ahead.

Read our full American Express® Gold Card review.
Jump back to offer details.

Chase Sapphire Reserve®

Best for frequent travelers

  • This card is best for: Travelers looking to save some cash on their next adventure. This card, among other perks, offers a boost on the value of your points if you make travel purchases through the Chase Ultimate Rewards portal.
  • This card is not a great choice for: The infrequent traveler who’s looking to get points for everyday purchases and pay a low annual fee.
  • What makes this card unique? Weighing in at 12.6 grams, this card offers an exhaustive list of travel protections in addition to a bevy of premium perks, including an uber-flexible annual travel credit and a lucrative sign-up bonus. It also pairs well with other Chase cards, given you can easily pool points and boost their value by 50% when booking travel through Chase Ultimate Rewards.
  • Is the Chase Sapphire Reserve worth it? If you’re a frequent traveler looking for a premium credit card that offers a lot of flexibility, you’ll likely find the Chase Sapphire Reserve’s steep $550 annual fee worth shouldering.

Read our full Chase Sapphire Reserve® review.
Jump back to offer details.

Marriott Bonvoy Brilliant™ American Express® Card

Best for Marriott loyalists

  • This card is best for: Marriott devotees who travel frequently and are looking for a fast track to Elite status.
  • This card is not a great choice for: Budget-conscious, infrequent or non-brand loyal travelers as the $450 annual fee is likely to send them into sticker shock.
  • What makes this card unique? Weighing in at 14.6 grams, the Marriott Bonvoy Brilliant™ American Express® Card is one of the rare metal hotel credit cards on the market — and, with annual hotel credits, an impressive sign-up bonus and a clear path to Elite status, it certainly comes fully-loaded.
  • Is the Marriott Bonvoy Brilliant™ American Express® Card worth it?You’ll need to frequent Marriott hotels to fully reap these benefits, but brand loyalists looking to upgrade their travel experience will enjoy the suite of popular Amex perks this card entitles them to.

Read our full Marriott Bonvoy Brilliant™ American Express® Card review.
Jump back to offer details.

Capital One Venture Rewards Credit Card

Best for low annual fee travel

  • This card is best for: Travelers who value savings and want a variety of options for redeeming points.
  • This card is not a great choice for: People looking to get loyalty status with a hotel brand. Capital One has a number of airline partners, but you’ll find hotel options are slim.
  • What makes this card unique? At 16.6 grams, this card is one of the heavier options on this list, and while it’s less premium than some of its counterparts, the Venture Rewards credit card holds its weight in a number of ways. Notably, the card is decidedly flexible; you can redeem miles as a statement credit for eligible travel purchases. Plus, its current sign-up bonus is worth as much as $600 (60,000 bonus miles when you spend $3,000 in the first 3 months).
  • Is the Capital One Venture Rewards Credit Card worth it? If you’re in the market for a straightforward, general purpose travel rewards credit card, you can’t go wrong with the Venture Rewards. It offers all the hallmarks of a solid travel card (decent rewards, lucrative sign-up bonus, no foreign transaction fees) while skipping the steep annual fee associated with more premium products.

Read our full Capital One Venture Rewards Credit Card review.

Capital One Savor Cash Rewards Credit Card

Best for entertainment seekers

  • This card is best for: Cardholders with good credit scores who want to earn rewards for dining at their favorite restaurant.
  • This card is not a great choice for: Anyone who doesn’t spend on the card’s main bonus categories (dining, entertainment, popular streaming services and grocery store purchases) will likely earn more with a different cash back credit card.
  • What makes this card unique? While many cards on this list are travel-focused, this card will earn you rewards on dining and entertainment. At 17.42 grams, it feels substantial. Plus, you can redeem your cash back for a wide variety of options.
  • Is the Capital One Savor Cash Rewards Credit Card worth it? It’s a well-rounded card with a solid rewards structure. Just be sure you spend enough on the card’s bonus categories.

Read our full Capital One Savor Cash Rewards Credit Card review.

Amazon Prime Rewards Visa Signature Card

Best for online shopping

  • This card is best for: Shoppers who frequent Whole Foods Markets and Amazon Prime members who make frequent purchases on Amazon.com
  • This card is not a great choice for: hose without an Amazon Prime account. You’ll get the most benefits from this card with a Prime membership.
  • What makes this card unique? Unlike most retail cards, this card offers a decent sign-up bonus: New cardholders receive a $100 Amazon gift card at account opening. You’ll also receive extra purchase protections and an extended warranty when making purchases on Amazon.
  • Is the Amazon Prime Rewards Signature Visa card worth it? If you have an Amazon Prime membership, you’ll definitely find value in this card. In fact, it’s an easy way to recoup the cost of your Prime membership and get extra protections for your purchases.

Read our full Amazon Prime Rewards Visa Signature Card review.


What is a metal credit card?

A metal credit card is typically a premium card made from materials like stainless steel, brass or copper. Generally, they work in the same way as their plastic counterparts. Metal cards are heavier and typically more durable. They can sometimes come with luxury perks, depending on the card itself.

Historically, metal credit cards were a luxury item and reserved for the very wealthy. These metal credit cards were obtained by invitation only. They had high annual fees, some as high as $10,000, and hefty initiation fees. While there are still very exclusive metal credit cards in existence, today most consumers with good-to-excellent credit scores can count themselves among metal credit card holders.

How are metal cards different from plastic

Fundamentally, metal credit cards are made of heavier materials than plastic credit cards. They’re generally premium credit cards, meaning they tend to carry luxury benefits and, as a result, higher annual fees, though, in recent years, more metal cards have hit the market and that’s become less of a hard and fast rule.

Bankrate Insight
The American Express Centurion card, the first metal credit card on the market launched in 1999, is made of anodized titanium. Referred to unofficially as the black card, it can only be obtained by invitation from American Express.

Most metal credit cards aren’t inherently better than plastic credit cards. While metal credit cards tend to be premium cards, standout features don’t have much to do with the material the cards are made of. While the best metal credit cards can be stylish, that feature alone shouldn’t influence how you make decisions about acquiring a metal credit card.

Learn how to choose the right credit card.

Common spending categories for metal cards

One factor that should influence your decision to acquire a metal card is how you can benefit from the card. A metal credit card may not be inherently better for travel or dining, but there are metal cards that offer great rewards and perks in these areas. To single out which type of metal credit card might be best for you, consider the various categories.

Travel

Cardholders may think the best travel benefit a metal card can offer is its sturdiness, but many of these cards earn high-level rewards for travel purchases and allow you to redeem points earned for travel. Whether you’re searching for luxury travel perks like access to airport lounges, looking to earn free nights at your favorite hotel or hoping to earn bonus rewards on travel purchases, there’s a metal credit card for you. For example, the Chase Sapphire Preferred Card will earn you 5X points on travel purchased through Chase Ultimate Rewards®.

Dining out

It’s satisfying to plunk down your metal card when you pay your tab at dinner, and, when you’re earning cash back rewards and getting access to exclusive dining experiences with your card, that can feel even better. Some metal credit cards focusing on dining rewards can offer as much as 4% cash back at restaurants. Some metal credit cards will also offer extra perks for foodies. For instance, the American Express® Gold Card offers up to 12 months of a complimentary Uber Eats Pass membership (worth up to $119 annually, based on an estimated $9.99 monthly price for 12 months), as long as users are enrolled by Dec. 31, 2021 (Terms Apply).

Online shopping

A metal credit card won’t offer additional security while shopping online when compared to traditional credit cards, but some can earn you extra benefits for online purchases. For example, the Amazon Prime Rewards Visa Signature, one of the best cards for online shopping, offers 5% cash back on all Amazon.com purchases, plus extended warranties and protection for purchases. (Learn more about other cards that offer excellent online shopping benefits.) Cardholders will also get a $100 Amazon gift card at account opening, which could help offset some of the $119 annual cost of an Amazon Prime membership.

Bankrate Insight
One of the signature features of metal credit cards is their strength and durability. Some metal cards are, however, stronger than others. According to a test done by ThePointsGuy.com, the strongest metal credit card on the market is the Mastercard Black Card.

Pros and cons of metal credit cards

Pros

  • More durable — One of the best features of a metal credit card is its durability. Plastic cards have a tendency to bend and will likely need to be replaced periodically throughout the life of the card due to accidental damage. Metal credit cards, on the other hand, are very sturdy.
  • Luxury feel — There’s a sense of luxury (and a certain “plunk” factor) associated with metal credit cards that some consumers might count as a pro.
  • Premium perks and benefits — Metal credit cards typically come with premium benefits. Much like other elite cards, metal credit card holders will gain access to perks like airport lounge access, elevated status with car rental and hotel brands, and annual travel credits.

Cons

  • Difficult to destroy — The card’s durability can become a headache at the end of the life of your credit card account. Metal credit cards are notoriously difficult to destroy. You can’t bend them, cut them with scissors, or put them through a shredder. Oftentimes, your only option for destroying your metal credit card is to send it back to the issuer, which can be a pain point.
  • Sizeable price tag — Those elite benefits enjoyed by metal credit card holders typically come with a hefty price tag. If you’re not strategic with the use of the card, those higher annual fees can quickly become a burden on your finances.

Who should get a metal credit card?

Who should skip a metal credit card?

How to choose a metal credit card

While a metal credit card may evoke feelings of luxury, the best metal credit card for you will come with benefits that fit into your overall financial goals. When choosing a metal credit card, take into account everything from annual fees to offered protections and rewards programs. It’s important to ask yourself certain questions when considering any credit card, including a metal one:

Can I afford the annual fee?

Metal cards usually fall into the premium card category; as such, they’ll typically be associated with higher annual fees. This is why it’s crucial to spend some time analyzing the level of value you’ll get from the card. Will the rewards program help you recoup the cost of the annual fee? Will you be able to make good use of the perks that come with the card? Be sure the answers to these questions line up with your financial goals before signing on for a metal credit card.

Does the rewards program fit in with my spending habits?

If you spend the bulk of your discretionary income on dining out and entertainment, a card whose reward’s program offers the largest redemption value in travel categories probably isn’t the right card for you.

Does this card suit my needs?

If you want to better manage your debt or finance new purchases, there are important factors to consider in a credit card, metal or not. Does it offer a satisfactory introductory APR? Are there significant balance transfer fees? To protect your financial health you should always choose a credit card based on a well-rounded criteria. While you may enjoy the look and feel of a metal credit card, it will only serve you well if you are able to use it responsibly and it fits into your overall financial goals.

How we choose our best metal credit cards

Our team of writers, editors and industry experts evaluate cards based on a 5-point system that assesses the value of a card. We award points based on a number of factors including:

Base rewards value

The best metal credit card for you will offer value on an ongoing basis. We considered a card’s average rewards rate, along with the value of its sign-up bonus relative to its annual fee and APR.

Rewards restrictions/ flexibility

When considering the best metal card for your financial needs remember, the rewards structure and perks should fit neatly in with your spending habits and financial goals. Most metal credit cards will be flexible in terms of rewards redemption. When determining the rating for this category, we consider whether or not rewards earned will expire or have any limits or minimums for redemption.

Perks and features

Premium credit cards tend to feature more than just base rewards. They also often tout ancillary benefits that can significantly increase their value. These benefits include anything from travel insurance to lounge access to free services or amenities. We considered a card’s full suite of benefits, relative to its annual fee, to identify the most valuable metal credit cards on the market.


More information on high-end credit cards

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

Frequently asked questions about metal credit cards

about the author
As a staff writer for Bankrate.com, Sarah offers sound advice that will improve your financial life and help simplify topics like travel hacking and credit card rewards.
about the editor
Jeanine Skowronski is a credit card expert, analyst, and multimedia journalist with over 10 years of experience covering business and personal finance.

* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.