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In recent years, more credit card issuers have started offering metal cards. They range widely in their annual fees, additional benefits, and weights.
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The American Express Centurion® Card (or “black” card) was one of the first metal credit cards. Unfortunately, it’s invitation-only and costs $5,000 per year.
Banks have started offering more metal credit cards in recent years, and the annual fees are much 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. You may want one for the practicality: members of our team have used a Chase Sapphire Preferred to scrape ice off a car window in the winter, and to open a door after getting locked out.
Here’s a list of our favorites that you can actually apply for directly, followed by a full alphabetical list of 27 metal cards.
There’s no single card that can claim the title of “best” metal credit card. What’s best for you ultimately depends on what you’re looking for.
For example, The Platinum Card® from American Express (Review) might suit you best if you’d like luxurious airport lounge access, whereas the Capital One Savor Cash Rewards Credit Card (Review) is probably a better fit for foodies.
Most metal credit cards are travel rewards cards, so it’ll be much easier finding a metal card that makes sense for you if you’re an avid traveler.
If you find a metal card that complements your goals, spending habits, and credit standing, you have to apply the same way you’d get any credit card.
Submit an application and wait for a decision. That’s all there is to it. Just bear in mind that you’ll get a credit inquiry on your credit reports, and in many (but not all) cases, pay an annual fee.
Unlike the plastic credit cards that find a home inside your wallet, you probably can’t grab a pair of scissors and simply cut up your metal card. Whether you’ve decided it no longer makes financial sense to keep open or have become the victim of a credit card scam and need a replacement, you’ll likely have to take a different approach.
The safest way to destroy metal credit cards is to contact your card issuer directly and inquire about any disposal procedures it may have. Issuers like Amex and Chase will send you a prepaid envelope to return your metal credit card so they can destroy it for you. You may have even received a return envelope when you first got your card.
If you’re a DIY-kinda person and want to try destroying a metal card on your own, take note that you’ll have to be quite thorough — information is stored in the chip, the magnetic strip, and as text on the card itself.
You could mangle the metal, but that won’t necessarily be enough. Do you know how to demagnetize a mag strip? Can you make sure no personal information can be retrieved? It might be harder than you think, so consider sending the card to the issuer.
These are currently the heaviest metal credit cards you can apply for, all weighing in at 22 grams:
These cards (issued by Luxury Card) aren’t particularly great, because you can get better features from less expensive reward and travel cards. But their benefits may make the cards worthwhile in some cases.
For some better options take a look at the heaviest metal credit cards you can get.
Metal credit cards aren’t inherently better than their non-metal counterparts. The material the card is made of typically has no effect on the card’s features, although there have been a few cases of metal cards getting stuck in card readers.
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For rates and fees of The Business Platinum Card® from American Express, please click here.
For rates and fees of the American Express® Business Gold Card, please click here.
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