Best for sign-up bonus

Apply now
On Chase's secure site
Terms Apply
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
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
  • 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
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 offer
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 offer
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 offer
75,000 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, The Centurion Card from American Express, Wells Fargo Propel American Express, Apple 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 2022

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. 4.3 / 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. 4.2 / 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 taking their first foray into travel rewards credit cards and 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? The value of the sign-up bonus is significant at $750 when you redeem through Chase Ultimate Rewards (receive 60,000 points after $4,000 required spend in the first three months with the card).
  • Is the Chase Sapphire Preferred worth it? It’s worth it if you’re after a card with a well-balanced rewards program that will certainly go a long way toward helping you recoup the cost of the annual fee.

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 and budget travelers who want to save money.
  • What makes this card unique? This card offers a bevy of credits for a variety of expenses like TSA PreCheck, Global Entry, eligible Equinox memberships and Saks Fifth Avenue.
  • Is The Platinum Card from American Express worth it? Not necessarily if your goal for a card is affordability. 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? This card is one of the most affordable in Amex’s portfolio of high end cards and the up to $120 annual dining credit (enrollment required) is great for people who love to go out to eat.
  • Is the American Express Gold Card worth it? Absolutely, especially if you identify as a foodie. 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: Explorers who want 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 wants points for everyday purchases with a low annual fee.
  • What makes this card unique? It pairs well with other Chase cards, given you can easily pool points and boost their value by 50 percent 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.
  • Is the Marriott Bonvoy Brilliant American Express Card worth it? Yes, but you need to frequent Marriott hotels to fully reap these benefits. Brand loyalists looking to upgrade their travel experience will also enjoy the suite of popular Amex perks this card grants them.

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? 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 for travel (60,000 bonus miles when you spend $3,000 in the first three 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 and 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.
  • Is the Capital One Savor Cash Rewards Credit Card worth it? It can be, since 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: People 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, metal credit cards work in the same way as their plastic counterparts, but 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 reserved for the very wealthy and attainable by invitation only. They had high annual fees, upwards of $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 cardholders.

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.

Common types of metal credit 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.

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

Metal credit cards have proven to be durable and provide cardholders with access to premium perks and other sought-after features. Many people just like the look and feel of them. Choose a metal card based on how it will impact your overall finances and take time to weigh the benefits versus the drawbacks before applying.

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.
  • 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: The best metal credit cards typically come with premium benefits. Much like other elite cards, metal credit cardholders 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 because you can’t bend them, cut them with scissors or put them through a shredder.
  • Annual fees: Elite benefits that metal credit cardholders enjoy typically come with a hefty price tag. If you’re not strategic with the use of the card, those higher annual fees can quickly burden your finances.
  • May be more difficult to use: Having a metal credit card might be considered a statement or conversation piece that’s fun to bring up at parties, but using them can be a real hassle. Merchants may use older credit card terminals that can’t read or even fit the more modern metal credit cards.

Who should get a metal credit card?

If you’re looking for a card that is durable and provides lucrative perks, then a metal card may work well for you. A metal credit card can be the right choice for the following cardholders:

When to skip getting a metal credit card

If you’re looking for the chance to obtain a luxury card but have not looked too deeply at what that card can provide you, then it may be best to skip getting a metal credit card. People in the situations below should avoid getting a metal credit card.

  • You’re building credit. The high annual fees on metal cards aren’t worth it if you’re working on your credit score and paying off credit card debt. It’s a better financial move to use a starter card, a credit card with no annual fee or a 0 percent intro APR card.
  • You’re new to credit cards. While the luxury benefits seem enticing, they come with complicated rewards structures and annual fees. Opt for something with straightforward rewards and no annual fees for your first credit card before graduating to high-end, luxury metal credit cards.

Metal credit cards vs. plastic: Which is better?

The difference between most metal and plastic credit cards begins and ends with the material they’re made of. They are typically more durable than their plastic counterparts, but outside of their durability, they function the same way as plastic cards. Generally, metal credit cards fall into the premium credit card category. They tend to carry luxury benefits and, as a result, higher annual fees. However, in recent years more metal cards have hit the market and that’s become less of a hard and fast rule.

Metal credit cards with no annual fee

Most metal cards come with premium features like lucrative rewards and great perks, they also usually come with a hefty annual fee. However, there are metal credit cards that will provide you with the durability of a metal credit card—along with great rewards and a variety of perks—while skipping the annual fee. Below are the best metal credit cards that have the durability, rewards and perks consumers want, without annual fees.

  • Apple Card: Crafted from titanium, the Apple Card has the durable qualities of a metal card with a unique opportunity to earn rewards. It’s a great cash back card option for consumers who prefer Apple products. Cardholders earn 3 percent cash back on Apple products like iPhones and Mac computers.
  • Amazon Rewards Visa Signature Card: This card is a great option for Amazon Prime members and Whole Foods shoppers. Cardholders are required to have Amazon Prime memberships ($119), but they earn 5 percent cash back on all Amazon purchases—with no cap placed on spending—and 2 percent back at gas stations and restaurants.
  • Wells Fargo Propel American Express®: Though Wells Fargo hasn’t shared what metal the Propel card is made of, it weighs about 10 grams—twice as much as the average plastic card. Cardholders earn 3X points on everyday categories like dining out and at gas stations.

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 factor 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?

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. Select a card that will align best with how you spend your money and you’ll get rewarded the most where you spend the most.

Can I maximize the perks and benefits?

Beyond the base rewards you earn on your most popular spending categories, many cards offer an array of ancillary perks and benefits. Things like extra travel insurance, car rental coverage, annual credits for gym memberships or bonus dining credits at specific restaurants are just a few of these notable extras. These additions also tend to drive up a card’s annual fee, so you’ll want to be sure to pick a card that offers things you’ll actually use.

Is the card well-rounded?

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.

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.