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Metal Credit Cards You Can Get Right Now

6 min read
Brendan Harkness By Brendan Harkness May 20, 2019 | Updated Nov 21, 2019

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 22 metal cards.

Best Metal Credit Cards of 2019

Metal Credit Cards (Alphabetical)

Amazon Business Prime American Express Card

Amazon Business Prime American Express Card

Our rating
Credit rangeGood
Details
Annual Fee$0
Regular APR15.74%–23.74% Variable
Apply Now

securely on the issuer's website

The information related to Amazon Business Prime American Express Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

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 Prime Rewards Visa Signature Card

Amazon Prime Rewards Visa Signature Card

Our rating
Credit rangeGood
Details
Annual Fee$0
Regular APR16.49%–24.49% Variable
Apply Now

securely on the issuer's website

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.

 

American Express® Business Gold Card

American Express® Business Gold Card

Our rating
Credit rangeGood
Details
(Rates & Fees)
Annual Fee$295
Regular APR15.74–23.74% Variable
Apply Now

securely on the issuer's website

The Business Gold Card from American Express is unique because it provides 4X Membership Rewards points in the two categories you spend the most in, out of six possible categories (up to $150,000 in combined purchases per year, then 1X).

 

American Express® Gold Card

American Express® Gold Card

Our rating
Credit rangeGood
Details
(Rates & Fees)
Annual Fee$250
Regular APRN/A
Apply Now

securely on the issuer's website

American Express is a Credit Card Insider advertiser.

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® from American Express

Our rating
Credit rangeGood
Details
(Rates & Fees)
Annual Fee$550
Regular APRN/A
Apply Now

securely on the issuer's website

American Express is a Credit Card Insider advertiser.

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 (Rates & Fees), 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 the Amex Platinum card, which costs $595 per year (Rates & Fees).

 

Apple Card

Apple Card

Our rating
Credit rangeFair
Details
Annual Fee$0
Regular APR

The newly-launched Apple Card is designed to be used primarily through Apple Pay. However, cardholders also get a minimalist titanium card that they can use for in-person transactions at the lowest 1% cash back rewards rate.

There’s no annual fee for this card. You can’t apply directly online, but you can sign up to be notified when it is available to you. Apple started sending these invitation notifications in August 2019.

 

Capital One® Savor® Cash Rewards Credit Card

Capital One® Savor® Cash Rewards Credit Card

Our rating
Credit rangeGood
Details
Annual Fee$0 intro for first year; $95 after that
Regular APR16.24% - 25.24% (Variable)

The Savor card is designed for foodies, with bonus categories that include dining and grocery stores. Capital One began issuing metal versions of this card in January of 2019; current cardholders will receive metal versions when their cards expire, or when they request replacements.

The Savor now has a stainless steel veneer front, produced with 75% recycled materials. The back half of the card has a layer of plastic.

This card has a $95 annual fee, waived the first year, making it one of the less expensive metal cards you can get.

Learn more in our full review of the Capital One Savor Cash Rewards card here.

 

Capital One® Venture® Rewards Credit Card

Capital One® Venture® Rewards Credit Card

Our rating
Credit rangeGood
Details
Annual Fee$0 intro for first year; $95 after that
Regular APR17.49% - 24.74% (Variable)

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.

Like the Savor card above, this card has a $95 fee that’s waived for the first year.

See our full review of the Capital One Venture Rewards here.

 

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

Our rating
Credit rangeGood
Details
Annual Fee$95
Regular APR17.74% - 24.74% Variable

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 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®

Chase Sapphire Reserve®

Our rating
Credit rangeExcellent
Details
Annual Fee$450
Regular APR18.74% - 25.74% Variable

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<sup>®</sup> / AAdvantage<sup>®</sup> Executive World Elite<sup>™</sup> Mastercard<sup>®</sup>

Citi® / AAdvantage® Executive World Elite Mastercard®

Our rating
Credit rangeExcellent
Details
Annual Fee$450
Regular APR17.24% - 25.24% (Variable)

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 Prestige® Card

Citi Prestige® Card

Our rating
Credit rangeGood
Details
Annual Fee$495
Regular APR17.99%–25.99% Variable
Apply Now

securely on the issuer's website

The Citi Prestige® Card (Review) is an excellent card for travelers who book long hotel stays thanks to its 4th night free benefit. It also provides a $250 travel credit and a Priority Pass Select membership.

 

HSBC Premier World Elite Mastercard® Credit Card

HSBC Premier World Elite Mastercard® Credit Card

Our rating
Credit rangeExcellent
Details
Annual Fee$395
Regular APR17.24% or 21.24% Variable
Apply Now

securely on the issuer's website

The HSBC Premier World Elite Mastercard® Credit Card is a premium travel card that’s a step below the Amex Platinum and Chase Sapphire Reserve, with a different airport lounge program along with air travel and rideshare credits.

 

IHG® Rewards Club Premier Credit Card

IHG® Rewards Club Premier Credit Card

Our rating
Credit rangeGood
Details
Annual Fee$89
Regular APR17.74% - 24.74% Variable
Apply Now

securely on the issuer's website

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.

 

Mastercard® Black Card™

Mastercard® Black Card™

Our rating
Credit rangeExcellent
Details
Annual Fee$495
Regular APR16.49% Variable
Apply Now

securely on the issuer's website

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 Platinum Card® from American Express (Review) and the Chase Sapphire Reserve® (Review). See our review of the Mastercard® Black Card™ card here.

Mastercard® Titanium Card™

Mastercard® Titanium Card™

Our rating
Credit rangeGood
Details
Annual Fee$195
Regular APR16.49% Variable
Apply Now

securely on the issuer's website

Mastercard® Gold Card™

Mastercard® Gold Card™

Our rating
Credit rangeExcellent
Details
Annual Fee$995
Regular APR16.49% Variable
Apply Now

securely on the issuer's website

 

United MileagePlus® Club Card

United MileagePlus® Club Card

Our rating
Credit rangeGood
Details
Annual Fee$450
Regular APR18.24%–25.24% Variable
Apply Now

securely on the issuer's website

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.

 

U.S. Bank Altitude Reserve Visa Infinite® Card

U.S. Bank Altitude Reserve Visa Infinite® Card

Our rating
Credit rangeExcellent
Details
Annual Fee$400
Regular APR17.49% Variable
Apply Now

securely on the issuer's website

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.

 

Wells Fargo Propel American Express® card

Wells Fargo Propel American Express® card

Our rating
Credit rangeGood
Details
Annual Fee$0
Regular APR15.49%-27.49% Variable

This 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.

 

Heaviest Metal Credit Cards (by Weight)

Card Weight
JP Morgan Reserve Card 27g
Mastercard® Gold Card™ 22g
The Platinum Card® from American Express 18g
U.S. Bank Altitude Reserve Visa Infinite® Card 16g
Capital One® Venture® Rewards Credit Card 16g
American Express® Gold Card 15g
Apple Card 15g
Amazon Prime Rewards Visa Signature Card 13g
Chase Sapphire Reserve® 13g
Chase Sapphire Preferred® Card 13g
Citi Prestige® Card 12g
IHG® Rewards Club Premier Credit Card 13g
United MileagePlus® Club Card 12g
Wells Fargo Propel American Express® card 10g

Weight source: US Credit Card Guide

How to Destroy Metal Credit Cards

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.

Was this helpful?

For rates and fees of the American Express® Gold Card, please click here.

For rates and fees of the The Platinum Card® from American Express, please click here.

For rates and fees of the American Express® Business Gold Card, please click here.

AT A GLANCE

In recent years, more credit card issuers have started offering metal cards. They range widely in their annual fees, additional benefits, and weights.

Credit Card Insider receives compensation from advertisers whose products may be mentioned on this page. Advertiser relationships do not affect card evaluations. Advertising partners do not edit or endorse our editorial content. Content is accurate to the best of our knowledge when it's published. Learn more in our Editorial Guidelines.

The information related to Amazon Business Prime American Express Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

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.

  • Vincent Torres

    But how many of these cards are 100% metal? Some have a plastic shell and a stainless steel core like the reserve card, but who offers a 100% metal credit card that doesn’t a $$$$ annual fee?

    • John Ganotis

      I’m not aware of any cards that aren’t coated in plastic and don’t have an annual fee.

  • Saurav

    Bank of america premium rewards is not a metal card. Mine is a mere plastic and weight is only 5g. Is it available in metal now? i asked several times the bank of america customer service regarding this. But they replied it is plastic. Can you please verify this information ?

    • John Ganotis

      I’ve seen it listed as a metal card several other places, but I’ve removed it from the page for now while I investigate more.

  • oceancruiser

    What is the big deal with the metal credit cards? I just got my Amazon Visa card and I do not like how heavy it is. Why carry the extra weight all day long in my pocket? Imagine all my bank cards were like this … the weight adds up fast. I want the good old plastic light weight card! Having a heavy card does nothing to my wealth :-) What’s up with this metal card obsession?!

    • Joseph

      It’s main purpose is durability, and noticement of misplacement or someone taking the card. So you notice it if it gets plucked or if you left it somewhere/dropped it

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    I got my already programmed blank ATM card to withdraw the maximum of $2000 daily.I am so happy about this because i got mine last week and I have used it to get $12000. Sharon is giving out the card just to help the poor and he is not like other scam pretending to have the ATM cards. And no one gets caught when using the card. contact them now on there email on: [email protected] and be happy like Me.
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  • The ZBlackCard with 28 grams of metal is the only “Secured Pre-Paid” Debit/Credit Card that reports Trade lines to all 3 Major Credit Bureaus to Boost Your Credit Score.

  • Mateo

    Ritz Carlton Rewards card is heavier than any card listed at approximately 29 grams. Although it is not open to new applicants, you can still get the card by getting any Chase Marriot card and product changing.

  • Saurav

    Capital one Savor card is now metal.it weighs 17 grams . it is a thick heavy metal as like as Amex platinum.So it should be added in this list.

    • John Ganotis

      Thanks for the heads up!

  • John H

    Fun bit of info: there exists a very rare/limited promotional store credit card by Victoria’s Secret. My girlfriend has one and I quickly weighed it sometime last summer, after learning of it & holding it for the first time–if I recall currently, I believe it was 23 or 24 grams!

  • Jason

    One thing you have left out is the Acorns Spend Card. Though not a Credit Card, it is also made out of metal and has a good rewards program.

    • TomZh

      Stash too. Founders edition.

      • John Ganotis

        Is that a debit card?

  • Travel Entuziast

    My metal Chase Marriott Rewards card was replaced with a plastic Marriott Bonvoy contactless card. Is this what to expect with contactless payment cards?

    • John Ganotis

      There are also some contactless metal cards that Chase issues (for example, the Amazon Prime Rewards Visa Signature is contactless and metal). I’m not sure about that card specifically. I recommend you contact Chase to ask.

      • Travel Entuziast

        This is from Chase customer service.

        Hello __________,

        I will be happy to assist you with the information
        regarding contactless card.

        ___________, let me share that all contactless cards are
        plastic. If you have any further questions, please reply
        using the Secure Message Center or contact customer
        service at the number listed below. Representatives are
        available to assist you.

        We appreciate your business and thank you for being a
        Chase customer.

        Thank you,
        ___________
        Chase Email Servicing

        • John Ganotis

          Interesting. Maybe they recently changed this, as I have seen some contactless Chase cards that are made of metal. If this is reliable information, then maybe they had problems with contactless metal cards and switched to plastic.

  • Rynil Uy

    The IHG Premier Card is no longer metal.

    • John Ganotis

      I checked with Chase and was told that card is available in both metal and plastic.

      • Rynil Uy

        I just got off the phone with Chase and they told me that this card USED to come in metal but they’ve since moved back to plastic and there is NO option otherwise.

        • iaDbm9

          It’s metal. On the back of the card, it said contain metal, do not shred!.

          • Rynil Uy

            Not on my card.

  • Vincent T

    10.08.19 As of today, has this changed? Does anyone offer a solid metal card?

    • John Ganotis

      It depends on what you mean by “solid metal card” — some cards are mostly metal with some very minor coating, like the Apple Card, and the Mastercard Black Card, Mastercard Gold Card, and Mastercard Titanium Card are the heaviest although they do at least have some kind of coating on the back to be able to print the necessary information on it.

  • Franz Mo

    You forgot one of the original metal cards, the Amex Centurion, aka Amex Black Card

  • Jose Tovar III

    The chase ihg card is no longer available in metal as of about a month ago