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Best metal credit cards for December 2022

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While more common than they once were, metal cards are still reserved for those who can afford more than most and don’t mind showing it. The best metal credit cards boast form and function. Once geared towards luxury travelers and wealthy individuals, you can now find many metal credit cards for the everyday consumer. If you still think of metal credit cards as a luxury financial tool, you’ll learn that metal credit cards have both style and substance.

Best for sign-up bonus

Chase Sapphire Preferred® Card

Apply Now Lock
On Chase's secure site
Rating: 5 stars out of 5
5.0 Bankrate review
Info

Intro offer

60,000 points
Info

Annual fee

$95

Regular APR

19.74% - 26.74% Variable

Recommended credit

Good to Excellent (670 – 850)
Info
Apply Now Lock
On American Express's secure site
Rating: 4.8 stars out of 5
4.8 Bankrate review
Info
See Rates & Fees , Terms Apply
See if you're pre‐approved for this card with CardMatch™

Intro offer

Earn 80,000 points
Info

Annual fee

$695

Regular APR

See Pay Over Time APR

Recommended credit

Good to Excellent (670 – 850)
Info
Apply Now Lock
On American Express's secure site
Rating: 5 stars out of 5
5.0 Bankrate review
Info
See Rates & Fees , Terms Apply
See if you're pre‐approved for this card with CardMatch™

Intro offer

60,000 points
Info

Annual fee

$250

Regular APR

19.74%-26.74% Variable

Recommended credit

Good to Excellent (670 – 850)
Info

Best for renters

Bilt Mastercard®

Apply Now Lock
On Wells Fargo's secure site
Rating: 4 stars out of 5
4.0 Bankrate review
Info
See Rates & Fees

Intro offer

N/A

Annual fee

None

Regular APR

19.99%, 22.99% or 27.99% Variable.

Recommended credit

Good to Excellent (670 – 850)
Info

Best for frequent travelers

Chase Sapphire Reserve®

Apply Now Lock
On Chase's secure site
Rating: 5 stars out of 5
5.0 Bankrate review
Info

Intro offer

60,000 points
Info

Annual fee

$550

Regular APR

20.74% - 27.74% Variable

Recommended credit

Excellent (740 – 850)
Info
Apply Now Lock
On American Express's secure site
Rating: 5 stars out of 5
5.0 Bankrate review
Info
See Rates & Fees , Terms Apply

Intro offer

150,000 points
Info

Annual fee

$650

Regular APR

19.49%-28.49% Variable

Recommended credit

Good to Excellent (670 – 850)
Info

Best for low annual fee travel

Capital One Venture Rewards Credit Card

Apply Now Lock
On Capital One's secure site
Rating: 4.9 stars out of 5
4.9 Bankrate review
Info

Intro offer

75,000 miles
Info

Annual fee

$95

Regular APR

18.99% - 26.99% (Variable)

Recommended credit

Good to Excellent (670 – 850)
Info

Compare Bankrate’s top metal credit cards

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. 5 / 5
(Read our full review)
The Platinum Card from American Express Luxury travelers 5X Membership Rewards points for flights and prepaid hotels when you book with American Express Travel or an airline directly (up to $500,000 spent in a calendar year). 4.8 / 5
(Read our full review)
American Express Gold Card Foodies 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 / 5
(Read our full review)
Bilt Mastercard Renters 3X points on dining, 2X points on travel, 1X points on rent payments (up to a maximum 50,000 points per year) and other purchases (Earn points when you make 5 transactions that post each statement period). 4.0 / 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. 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, 3X points on flights booked directly with an airline and at restaurants worldwide, and 2X points on all other eligible purchases. 5 / 5
(Read our full review)
Capital One Venture Rewards Credit Card Low annual fee travel 5X miles on hotels and rental cars when booked through Capital One Travel, 2X Capital One miles on all purchases. 4.9 / 5
(Read our full review)
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 drugstores, and 1% cash back on all other purchases 4.2 / 5
(Read our full review)

A closer look at Bankrate’s top metal credit cards

Chase Sapphire Preferred card: Best for sign-up bonus

  • What we love about the Chase Sapphire Preferred card: It’s a solid step up from a beginner travel card that allows you to easily recoup the cost of the annual fee (if used strategically). 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).
  • Weight: 12.4 grams
  • Who this card is good for: Travelers who spend enough to justify the card’s (relatively) reasonable $95 annual fee.
  • Alternatives: The Chase Sapphire Reserve card may be more valuable for travelers searching for additional premium-level amenities, such as free checked baggage or access to airport lounges.

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

The Platinum Card from American Express: Best card for luxury travelers

  • What we love about the Platinum Card from American Express: If you are looking for a laundry list of luxury perks and can maximize the annual credits, you can reap a lot of value out of this premium American Express card. This card offers a bevy of credits for a variety of expenses like TSA PreCheck, Global Entry, eligible Equinox memberships and Saks Fifth Avenue purchases.
  • Weight: 18.5 grams
  • Who this card is good for: Travelers who want luxury perks, like access to high-end airport lounges.
  • Alternatives: If you find yourself traveling more for work than pleasure, theThe Business Platinum Card® from American Express is also a good alternative. Not only do you still get amazing travel credits and earn 5X points on flights and prepaid hotels through amextravel.com, you also earn 1.5X points on eligible purchases in key business categories (see terms.

Read our full Platinum Card from American Express card review.
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American Express Gold Card: Best for foodies

  • What we love about the American Express Gold card: This card is one of the most affordable in Amex’s portfolio of high-end cards and the annual dining credit (enrollment required) is great for people who love to go out to eat.
  • Weight: 14.7 grams
  • Who this card is good for: Foodies who love eating out and saving on their gourmet ingredient purchases, as this card offers an industry-leading return on food purchases.
  • Alternatives: Cardholders who want more luxury travel benefits and don't mind paying a higher annual fee may want to opt for the Platinum Card from American Express instead.

Read our full American Express Gold Card review.
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Bilt Mastercard: Best for renters

  • What we love about the Bilt Mastercard: This card punches above its weight, offering renters a unique opportunity to earn rewards and avoid fees on rent payments. Plus, the rewards you earn are some of the most valuable out there thanks to their high travel redemption value and the card’s long list of airline and hotel transfer partners.
  • Weight: 16 grams
  • Who this card is good for: Renters who plan to continue renting long term and want to redeem rewards to cover rent payments, a future home down payment or travel.
  • Alternatives: While it offers tremendous travel rewards value for a no-annual-fee card, this card doesn’t come with luxury perks like airport lounge access. If you’re a frequent traveler looking for a metal card with top-tier benefits, you may need to put up an annual fee. The Capital One Venture X Rewards Credit Card is a great option due to its simple rewards program, practical perks and annual credits, which can easily justify its cost.

Read our full Bilt Mastercard review.
Jump back to offer details.

Chase Sapphire Reserve: Best for frequent travelers

  • What we love about the Chase Sapphire Reserve card: This card earns big rewards on car rentals and hotels when cardholders take advantage of the Chase travel portal. It also 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. Plus, it offers a lot of flexibility in points redemption.
  • Weight: 12.6 grams
  • Who this card is good for: Explorers who want to save some cash on their next adventure and appreciate the long list of travel protections provided by this card.
  • Alternatives: If you are an infrequent traveler looking for points for daily spending with a reduced annual fee, the Chase Sapphire Preferred card may be the best alternative.

Read our full Chase Sapphire Reserve review.
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Marriott Bonvoy Brilliant American Express Card: Best for Marriott loyalists

  • What we love about the Marriott Bonvoy Brilliant American Express card: The Marriott Bonvoy Brilliant American Express Card is one of the rare metal hotel credit cards on the market. Brand loyalists looking to upgrade their travel experience will also enjoy the suite of popular Amex perks this card grants them.
  • Weight: 14.6 grams
  • Who this card is good for: Marriott devotees who travel frequently and are looking for a fast track to Elite status.
  • Alternatives: Budget-conscious, infrequent or non-brand loyalists may prefer the Capital One Venture Rewards Credit Card, due to the Marriott Bonvoy Brilliant card’s $650 annual fee.

Read our full Marriott Bonvoy Brilliant American Express Card review.
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Capital One Venture Rewards Credit Card: Best for low annual fee travel

  • What we love about the Capital One Venture Rewards card: It offers all the hallmarks of a metal travel card—decent rewards, lucrative sign-up bonus and no foreign transaction fees—while skipping the steep annual fee associated with more premium products. Plus, its current sign-up bonus is worth as much as $750 for travel (75,000 bonus miles when you spend $4,000 in the first three months).
  • Weight: 16.6 grams
  • Who this card is good for: Travelers who value savings and want a variety of options for redeeming miles.
  • Alternatives: Capital One offers a variety of airline partners, but hotel options are limited, so those seeking loyalty status with a hotel brand may choose to use a card like the Marriott Bonvoy Brilliant American Express card.

Read our full Capital One Venture Rewards Credit Card review.
Jump back to offer details.

Amazon Prime Rewards Visa Signature Card: Best for online shopping

  • What we love about the Amazon Prime Rewards Visa Signature card: Unlike most retail cards, this card offers a decent sign-up bonus: New cardholders receive a $150 Amazon gift card at account opening. You’ll also receive extra purchase protections and an extended warranty when making purchases on Amazon. 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.
  • Weight: 12.4 grams
  • Who this card is good for: Shoppers who often shop at Whole Foods Markets and Amazon Prime members who make frequent purchases on Amazon.com.
  • Alternatives: Like the Amex Gold and Platinum, this card also comes in a business version. The Amazon Business Prime American Express Card comes with all the perks and features the Amazon Prime Rewards Visa but also offers cash back on business purchases, perfect for businesspeople who regularly order from Amazon.com.

Read our full Amazon Prime Rewards Visa Signature Card review.


What is a metal credit card?

Often seen as a status of wealth, metal cards are often a more rewarding version of common plastic cards. Some are only available by invitation while others are offered to those with excellent credit scores. Metal credit cards can be made of any number of different metals including brass, stainless steel, copper, titanium, gold, palladium or any mix of these, sometimes even with plastic. Material composition aside, metal credit cards function in the same way as their more well-known plastic counterparts. They do have an edge over plastic cards when it comes to durability – one of the most desirable qualities of a metal credit card – and make great traveling companions because of it.

Although the metal finish is uncommon, there are no special requirements for obtaining these types of cards. As long as you have a good credit score and can pay the annual fee, should it have one, metal cards are just as available to you as any other.

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Bankrate Insight

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

Pros and cons of metal credit cards

Pros

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    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.

  • Checkmark

    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.

  • Checkmark

    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 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 more durable with lucrative perks, then a metal card may work well for you. A metal credit card can be the right choice for the following cardholders:

Still unsure if a metal credit card is right for you? Check out our Credit Card Spender Type Tool where you can get personalized credit card recommendations based on your credit score, spending habits and daily needs.

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Bankrate Insight

Weighing in at a substantial 22 grams, the Mastercard® Gold Card™ is the heaviest metal card we’ve reviewed. If you’re searching for a card that screams luxury, this is it. The card comes with a few luxury perks and is plated in gold around a stainless-steel base. Outside of the obvious luxury appearance of the card, the sky high annual fee and lack of substantive rewards can lessen some of this card’s luster.

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 protection and reward programs offered. 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 my spending habits?

If you spend the bulk of your discretionary income on dining out and entertainment, a card’s rewards program that offers the largest redemption value in travel categories probably isn’t the right card for you. Select a card that aligns best with how you spend your money, and you’ll be 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 additional 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. They 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 finances, you should always choose a credit card based on 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:
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    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.
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    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.
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    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

All information about The Centurion Card from American Express, Apple Card, Amazon Business Prime American Express 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. 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.

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