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 than regular plastic cards. Personally, I like them for the practicality: I’ve used my Chase Sapphire Preferred to scrape ice off a car window in the winter and open a locked door when I forgot my keys.
Keep reading to see a table that lists metal credit card for which we know the weight in order from heaviest to lightest, followed by an even bigger list of metal credit cards in alphabetical order.
Did I forget any? Leave a comment and let me know.
Heaviest Metal Credit Cards (by Weight)
Weight source: US Credit Card Guide
Metal Credit Cards (Alphabetical)
Amazon Business Prime American Express
This is a great card for business owners who have Amazon Prime or Business Prime and spend a lot of money on Amazon.com or Amazon Web Services. It also provides the option to have more time to pay off the card without interest fees instead of getting rewards.
Amazon Business Prime American Express Card
For People with
Good Credit
- Annual Fee: $0
- Interest Rate: 16.24%–24.24% Variable
Quick Card Facts
- 5% cash back at Amazon, Amazon Business, AWS, and Whole Foods Market
- 2% cash back at U.S. restaurants, gas stations, and wireless telephone services
- Option to take 90 days to pay for Amazon purchases, interest free, instead of earning cash back
- $125 Amazon gift card upon account approval
- Amazon Business enhanced data views
- Discounts at select merchants through Amex Offers
- Shopping and travel protections
- No foreign transaction fees
- No annual fee
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 as long as you’re subscribed to Prime. Read our full review of both Amazon Visa cards here.
Amazon Prime Rewards Visa Signature Card
For People with
Good Credit
- Annual Fee: $0
- Interest Rate: 16.24%–24.24% Variable
Quick Card Facts
- Requires active Prime membership
- Cash back can be redeemed for statement credits or at Amazon.com checkout
- Earn 5% back at Amazon.com and Whole Foods Market
- 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® Gold Card
The Gold Card is a charge card designed for frequent travelers and people who spend a lot of money at restaurants. In 2018, this card replaced the plastic Premier Rewards Gold Card with the new metal design available in gold or rose gold, although the rose gold version is no longer available for new applicants.
The Platinum Card® from American Express
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.
Capital One Venture Rewards Credit Card
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. It has a $95 annual fee, waived the first year.
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 $119 per year.
See our full review of the Capital One Venture Rewards here.
Write a ReviewChase Sapphire Preferred Card
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 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.
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: 17.74–25.74% Variable
Quick Card Facts
- For a limited time, earn 50,000 AAdvantage® bonus miles after making $5,000 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*
IHG Rewards Club Premier Credit Card
This card is designed for people who frequently stay at IHG hotels and want to earn lots of rewards points for spending at those hotels.
Marriott Rewards Premier Plus Credit Card
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.
Mastercard® Black Card™
Unlike the Centurion card, this is a credit card instead of a charge card and anyone can apply for it. If you’re looking for a heavy, thick, metal credit card, it’s hard to beat the card construction of this one and the other two cards from Luxury Card: the Mastercard® Titanium Card™ (Review) and the Mastercard® Gold Card™ (Review).
It has a $495 annual fee, and comes with a set of high-end benefits, like valuable hotel discounts, but its rewards value doesn’t stack up well compared to other premium cards in this price range, like the The Platinum Card® from American Express (Review) and the Chase Sapphire Reserve (Review). See our review of the Mastercard® Black Card™ card here.
Mastercard® Black Card™
For People with
Excellent Credit
- Annual Fee: $495
- Interest Rate: 16.99% 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)
- 16.99% Variable APR on Purchases and Transfers
- 0% Introductory APR on balance transfers made in the first 45 days after account opening
United Airlines MileagePlus 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: 17.99%–24.99% 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: 17.74% Variable
Quick Card Facts
- 3X points per dollar for travel and mobile wallet purchases.
- 50,000 bonus points for spending $4,500 in the first 90 days of membership, equivalent to $750 in travel redemptions.
- $325 annual travel credit.
- Application fee credit for either Global Entry ($100) or TSA Pre✓ ($85), once every four years.
- Enhanced status at Relais & Châteaux hotels and resorts.
- 12-month membership to Priority Pass Select for airport lounge access.
- 12 complimentary Gogo Inflight WiFi passes per year.
- No foreign transaction fees.
- $400 annual fee, $75 for additional authorized users.
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: $0
- Interest Rate: 14.49%–26.99% 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 14.49–26.99% APR
- No foreign transaction or annual fees
- American Express shopping and travel benefits
- Free access to one of your FICO 8 Credit Scores
Alphabetical Listing
Once again, here’s a quick summary of the full list in alphabetical order:
- Amazon Business Prime American Express Card
- Amazon Prime Rewards Visa Signature Card (Review)
- American Express® Gold Card (Review)
- The Platinum Card® from American Express (Review)
- The Business Platinum® Card from American Express (Review)
- Capital One® Venture® Rewards Credit Card (Review)
- Chase Sapphire Preferred Card (Review)
- Chase Sapphire Reserve (Review)
- Citi®/AAdvantage® Executive World Elite™ Mastercard®
- IHG® Rewards Club Premier Credit Card
- Marriott Rewards Premier Plus Credit Card (Review)
- Mastercard® Black Card™ (Review)
- Mastercard® Gold Card™ (Review)
- Mastercard® Titanium Card™ (Review)
- United MileagePlus® Club Card (Review)
- United MileagePlus® Club Business Card
- U.S. Bank Altitude Reserve Visa Infinite® Card (Review)
- Wells Fargo Propel American Express® Card (Review)
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