Metal Credit Cards You Can Get Right Now
The American Express Centurion Card (or “black” card) was one of the first metal credit cards. Unfortunately, it’s invitation-only and costs $2,500 per year.
Banks have started offering more metal credit cards in the past few years, and the annual fees are lower.
Some people like the feel of a metal credit card and the reactions they get when making purchases. Metal credit cards are usually heavier. Recently, someone actually weighed a bunch of them.
I like the utility, and have used my Chase Sapphire Preferred to open a door when I locked myself out. It also works well to scrape ice off a car window in the winter.
So, what credit cards are made of metal? Here are some of the major metal cards. Did I forget any? Leave a comment and let me know.
Amazon Prime Rewards
If you’re a Prime subscriber, there’s pretty much no reason not to get this card. You’ll get 5% back on Amazon purchases and there’s no annual fee for the card.
This is probably cheapest option if you’re trying to get a metal card without paying a high annual fee and you’re subscribed to Prime. Read our full review of all the Amazon credit cards here.
Amazon Prime Rewards Visa Signature Card
For People with
Good Credit
- Annual Fee: $0
- Interest Rate: 14.99%–22.99% Variable
Quick Card Facts
- Requires active Prime membership
- Cash back can be redeemed at Amazon.com checkout
- Earn 5% back at Amazon.com
- Earn 2% back at gas stations, restaurants, and drugstores
- Earn 1% back on all other purchases
- Get a $70 Amazon.com Gift Card instantly upon credit card approval
The information for Amazon Prime Rewards Visa Signature Card has been collected independently by Credit Card Insider. The card details on this page have not been reviewed or provided by the card issuer.
American Express Platinum Card
The Platinum Card is a high-end charge card designed for frequent travelers. This card’s been around for a while, but was refreshed in 2017 and changed to a metal design.
It includes many travel benefits, like airport lounge access, Uber credits, and a Global Entry or TSA PreCheck credit. It earns travel rewards. There’s a $550 annual fee, but if you use all the benefits the card can be well worth it. Read our full review here.
There’s also a business version of Amex Platinum card, which only costs $450 per year.
Platinum Card® from American Express
For People with
Excellent Credit
- Annual Fee: $550
- Interest Rate: Not Applicable - Paid in Full Monthly
Quick Card Facts
- Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
- Up to $200 Uber Savings Annually.
- 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
- 5X Membership Rewards® points on eligible hotels booked on amextravel.com.
- As a Platinum Card Member, you can enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
- Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn More. Terms Apply.
- $200 Airline Fee Credit, up to $200 a year in baggage fees and more at one airline. Terms Apply.
Capital One Venture Rewards
This card is designed for travelers, but it doesn’t have the same benefits as some of the other premium travel cards listed on this page.
If you’re looking to pay the least amount of money to get a metal credit card, this is the one for you. The Amazon Prime Rewards card (above) has no annual fee for the card itself, but you need to be an Amazon Prime subscriber, which normally costs $99 per year.
See our full review of the Capital One Venture cards here.
Capital One® Venture® Rewards Credit Card
For People with
Excellent Credit
- Annual Fee: $95, $0 the first year
- Interest Rate: 14.49%, 20.99%, or 24.49% Variable
Quick Card Facts
- Enjoy a one-time bonus of 50,000 miles for spending $3,000 on purchases within the first 3 months
- Earn 10X miles at Hotels.com/venture
- Earn 2X miles per dollar on every other purchase
- Fly any airline, stay at any hotel, anytime
- Travel when you want with no blackout dates
- Miles don't expire and there's no limit to how many you can earn
- No foreign transaction fees
- No annual fee for the first year; $95 after that
- Capital One® Credit Wise - see your monthly credit score anytime for free and get automatic alerts
Chase Sapphire Preferred
The Sapphire Preferred is a metal card with a blue finish. It earns Chase Ultimate Rewards points, with 2x points on travel and dining purchases.
This card has a much lower annual fee than the more premium Chase Sapphire Reserve, but does not have all the same benefits and rewards. You can see our full review of the Sapphire Preferred here.
Chase Sapphire Preferred Card
For People with
Excellent Credit
- Annual Fee: $95, $0 first year
- Interest Rate: 17.49%–24.49% Variable
Quick Card Facts
- Earn 50,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening. That's $625 in travel when you redeem through Chase Ultimate Rewards
- 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases
- No foreign transaction fees, plus chip-enabled for enhanced security and wider acceptance
- 1:1 point transfer to leading frequent travel programs at full value - that means 1,000 Chase Ultimate Rewards points equal 1,000 partner miles/points
- Premium Travel and Purchase Protection Benefits, including Trip Cancellation/Trip Interruption Insurance, Auto Rental Collision Damage Waiver, Purchase Protection and more
- 24/7 direct access to dedicated customer service specialists
- Introductory Annual Fee of $0 the first year, then $95
The information for Chase Sapphire Preferred Card has been collected independently by Credit Card Insider. The card details on this page have not been reviewed or provided by the card issuer.
Chase Sapphire Reserve
This card is loaded with benefits like airport lounge access and travel credits. It’s made of metal and has a dark blue and black design. When you look at benefits and cost, it’s in the same category as the Platinum Card from American Express. The Sapphire Reserve offers 3x Ultimate Rewards points per dollar on travel and dining, compared to 2X on the Chase Sapphire Preferred.
It has a relatively high annual fee of $450 compared to most credit cards, but you can easily make up for the annual fee if you use all the benefits, credits, and rewards. Read our review of this card here.
There’s another fancier-looking version of this card called the JP Morgan Reserve, but it is only available to JP Morgan Private Client customers. Rumor has it you need to have $10 million in assets with Chase to be able to get the JP Morgan Reserve.
Chase Sapphire Reserve Card
For People with
Excellent Credit
- Annual Fee: $450
- Interest Rate: 17.49%–24.49% Variable
Quick Card Facts
- 3X points on travel and dining worldwide
- 50,000 points for spending $4,000 in 3 months
- 1:1 point transfer to airline and hotel loyalty programs
- $300 annual credit for travel expenses
- $100 Global Entry and TSA PreCheck application credit
- Visa Infinite Concierge
- Priority Pass Select Membership
- Luxury Hotels and Resorts Collection
- Travel and Shopping protections
- $450 annual fee
- 17.24–24.24% APR Variable
The information for Chase Sapphire Reserve Card has been collected independently by Credit Card Insider. The card details on this page have not been reviewed or provided by the card issuer.
Citi®/AAdvantage® Executive World Elite™ Mastercard®
This premium travel card for flying American Airlines is made of metal, and offers 2X miles per dollar spent with its co-branded airline.
It also provides Admirals Club access for the primary cardholder as well as up to ten authorized users, a better airport lounge offer than most other cards. But you’ll need to pay $450 per year for the Executive World Elite Mastercard.
Citi®/AAdvantage® Executive World Elite™ Mastercard®
For People with
Excellent Credit
- Annual Fee: $450
- Interest Rate: 17.49–25.49% Variable
Quick Card Facts
- For a limited time, earn 75,000 AAdvantage® bonus miles after making $7,500 in purchases in the first 3 months of account opening*
- Admirals Club® membership for you and up to 10 authorized users
- 10,000 Elite Qualifying Miles from American Airlines after $40,000 spent in purchases each calendar year*
- Receive a statement credit, up to $100 every 5 years, as reimbursement for your application fee for Global Entry or TSA Pre✔®*
- No Foreign Transaction Fees on purchases*
- Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines and US Airways purchases and 1 AAdvantage® mile for every $1 spent on other purchases*
- First checked bag is free on domestic American Airlines and US Airways itineraries for you and up to eight companions traveling with you on the same reservation*
Marriott Rewards Premier Plus
It’s not ultra-exclusive, but it’s black and made of metal. Spending with Marriott will earn you the highest reward point multiple with this card, so it’s designed for people who stay at Marriott hotels often.
Marriott Rewards® Premier Plus Credit Card
For People with
Excellent Credit
- Annual Fee: $95
- Interest Rate: 17.49% to 24.49% Variable
Quick Card Facts
- Earn 75,000 bonus points for spending $3,000 on purchases in the first 3 months from account opening
- 6X points per dollar spent at Marriott, SPG, and Ritz-Carlton locations worldwide
- 2X points per dollar spent on all other purchases
- Enjoy an annual Free Night Stay after your account anniversary at a property with a redemption level up to 35,000 points
- Automatic Silver Elite Status
- Earn Gold Elite Status by spending $35,000 with the card per year
- Get 15 Elite Night Credits every calendar year (starting in 2019)
- No limit to how many points you can earn
- No foreign transaction fees
- $95 annual fee
The information for Marriott Rewards® Premier Plus Credit Card has been collected independently by Credit Card Insider. The card details on this page have not been reviewed or provided by the card issuer.
MasterCard® Black Card™
This card is MasterCard’s response to the Centurion card, but it is a credit card instead of a charge card and anyone can apply for it.
It has a $495 annual fee, and comes with a set of high-end benefits. It doesn’t stack up well against other premium cards in this price range, like the Platinum Card from American Express (Review) or the Chase Sapphire Reserve (Review). See our review of this card here.
The issuer of this card, Luxury Card, actually offers two additional metal cards: the Titanium Card and Gold Card, but the Black Card is the most popular so I didn’t include all of them separately. See how all three cards compare to one another here.
Mastercard® Black Card™
For People with
Excellent Credit
- Annual Fee: $495
- Interest Rate: 16.74% Variable
Quick Card Facts
- Stainless Steel – Patented Card Design
- Luxury Card Rewards Program
- 2% Value for Airfare Redemptions
- 1.5% Value for Cash Back Redemptions
- 24/7 Luxury Card ConciergeTM
- Exclusive Luxury Card Travel Benefits
- $100 Annual Airline Credit Toward Qualifying Purchases
- $100 Global Entry Application Fee Credit
- Luxury Gifts
- Members-Only LUXURY MAGAZINE
- Annual Fee: $495 ($195 for each Authorized User)
- 16.74% Variable APR on Purchases and Transfers
- 0% Introductory APR on balance transfers made in the first 45 days after account opening
United Airlines Mileage Plus Club
This card is designed for people who frequently travel on United Airlines. There’s also a business version of the card.
It has a $450 annual fee, with benefits you’d expect, like United Club lounge access and the ability to check some bags for free. If you purchase United airfare frequently, you may be able to justify the annual fee, since it earns 1.5 United miles per dollar spent on all purchases and 2 miles on all purchases of United airfare.
United MileagePlus® Club Card
For People with
Good Credit
- Annual Fee: $450
- Interest Rate: 17.74%–24.74% Variable
Quick Card Facts
- 2X miles for every $1 spent on United Airlines purchases
- 1.5X miles for every $1 spent on all other purchases
- 50,000 bonus miles for spending $3,000 on purchases in the first 3 months
- Miles never expire
- United Club membership, with free access for you and two guests
- Free first and second checked bags, for you and one traveling companion
- Premier Access travel services
- Chase Luxury Hotel & Resort Collection
- World of Hyatt Discoverist status
- No foreign transaction fees
- $450 annual fee
The information for United MileagePlus® Club Card has been collected independently by Credit Card Insider. The card details on this page have not been reviewed or provided by the card issuer.
U.S. Bank Altitude Reserve
Like several other cards on this page, it’s a premium card designed around travel benefits.
The unique feature of this card, which I’ve never seen on any other card, is a 3X reward point multiple for mobile wallet purchases. Many rewards cards offer a multiple on a certain category of purchase, but I’ve never seen a multiple based on how the transaction is processed. Maybe U.S. Bank pays lower fees to mobile wallet providers than when you swipe or dip your card, so they’re passing the savings along? Or maybe they’re just trying to be different.
Read our full review of the Altitude Reserve here.
U.S. Bank Altitude Reserve Visa Infinite® Card
For People with
Excellent Credit
- Annual Fee: $400
- Interest Rate: 16.49% Variable
Quick Card Facts
- $325 annual travel credit
- 3 points per dollar for travel and mobile wallet purchases
- 1 point per dollar on all other purchases
- 50,000 bonus points for spending $4,500 in the first 90 days of membership. That’s worth $750 in travel purchases.
- Airport lounge access through Priority Pass Select
Wells Fargo Propel American Express
This relatively new card offers 3 points per dollar spent on restaurants, gas stations, travel, and eligible streaming services. Points can be redeemed for 1¢ each, so that’s basically like 3% cash back in those categories.
Wells Fargo Propel American Express® Card
For People with
Good Credit
- Annual Fee: None
- Interest Rate: 14.24%–26.74% Variable
Quick Card Facts
- 3X points at restaurants, gas stations, on travel, and on eligible streaming services
- 30,000 bonus points for spending $3,000 in the first 3 months
- 0% APR for purchases and balance transfers for 12 months, then 14.24–26.74% APR
- No foreign transaction fees
- American Express shopping and travel benefits
- Free access to one of your FICO 8 Credit Scores
The responses below are not provided or commissioned by bank advertisers. Responses have not been reviewed, approved or otherwise endorsed by bank advertisers. It is not the bank advertisers' responsibility to ensure all posts and/or questions are answered.
-
Chris SyiemLieh
