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Metal Credit Cards You Can Get Right Now

Brendan Harkness
Updated Aug 06, 2020 10 min read
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 Capital One® Savor® Cash Rewards Credit Card, Capital One® Venture® Rewards Credit Card, Citi Prestige® Card, Marriott Bonvoy Brilliant™ American Express® Card, Amazon Business Prime American Express Card, American Express® Business Gold Card, and The Business Platinum Card® from American Express have been collected by Credit Card Insider and have not been reviewed or provided by the issuer or provider of these products.

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 25 metal cards.

Best Metal Credit Cards of 2020

Heaviest

Mastercard® Titanium Card™

Apply Now

securely on the issuer's website

Card details

The Mastercard Titanium Card is a thick, heavy metal rewards credit card.

It earns 1X point per dollar and provides a host of benefits geared toward the frequent traveler. You may be able to get more rewards or benefits with other cards that are less expensive, but if you’re looking for the heaviest card with the lowest annual fee, this is it.

  • Min. Credit Level Good
  • Annual Fee $195
  • Regular APR 14.99% Variable
Rewards
  • 1X point per dollar for all purchases
    • Cash back redemption value: 1% cash back
    • Airfare redemption value: 2% cash back

Introductory bonus

None
Balance transfers

A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.

  • Intro Balance Transfer APR 0% for 15 months
  • Regular Balance Transfer APR 14.99% Variable
  • Balance Transfer Fee 3% ($5 min)
How to Transfer a Balance on a Credit Card
Fees
  • Penalty APR N/A
  • Late Fee Up to $37
  • Returned Payment Fee Up to $37
  • Additional Cards Annual Fee $95
  • Foreign Transaction Fee 0%
Learn About Types of Credit Card Fees

Heaviest

Mastercard® Black Card™

Apply Now

securely on the issuer's website

Card details

If you’re looking for a thick, black, heavy metal credit card, this is it. Unlike the American Express Centurion card, this is card is available without an invitation.

The rewards program is not the most valuable out there, but this card card does include airport lounge access, a $100 travel credit, a live chat concierge in the Luxury Card mobile app, and thousands of dollars in possible credits at hotels.

  • Min. Credit Level Excellent
  • Annual Fee $495
  • Regular APR 14.99% Variable
Rewards
  • 1X point per dollar for all purchases
    • Cash back redemption value: 1.5% cash back
    • Airfare redemption value: 2% cash back

Introductory bonus

None
Balance transfers

A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.

  • Intro Balance Transfer APR 0% for 15 months
  • Regular Balance Transfer APR 14.99% Variable
  • Balance Transfer Fee 3% ($5 min)
How to Transfer a Balance on a Credit Card
Fees
  • Penalty APR Up to 27.24% (Variable)
  • Late Fee Up to $37
  • Returned Payment Fee Up to $37
  • Additional Cards Annual Fee $195
  • Foreign Transaction Fee 0%
Learn About Types of Credit Card Fees

Heaviest

Mastercard® Gold Card™

Apply Now

securely on the issuer's website

Card details

If you want a heavy, thick, metal credit card plated in actual 24k-gold, this may be the card for you.

It has high-end travel benefits, but only earns the equivalent of 2% cash back on all purchases.

  • Min. Credit Level Excellent
  • Annual Fee $995
  • Regular APR 14.99% Variable
Rewards
  • 1X point per dollar for all purchases
    • Cash back redemption value: 2% cash back
    • Airfare redemption value: 2% cash back

Introductory bonus

None
Balance transfers

A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.

  • Intro Balance Transfer APR 0% for 15 months
  • Regular Balance Transfer APR 14.99% Variable
  • Balance Transfer Fee 3% ($10 min)
How to Transfer a Balance on a Credit Card
Fees
  • Penalty APR N/A
  • Late Fee Up to $37
  • Returned Payment Fee Up to $37
  • Additional Cards Annual Fee $295
  • Foreign Transaction Fee 0%
Learn About Types of Credit Card Fees

No Annual Fee

Amazon Prime Rewards Visa Signature Card

Apply Now

securely on the issuer's website

Card details

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.

  • Min. Credit Level Good
  • Annual Fee $0
  • Regular APR 15.74% to 23.74% Variable
Rewards
  • 5% cash back at:
    • Amazon.com
    • Whole Foods Market
  • 2% cash back at:
    • Gas Stations
    • Restaurants
    • Drugstores
  • 1% cash back on all other purchases

Introductory bonus

$70 Amazon.com Gift Card instantly upon approval
Balance transfers

A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.

  • Intro Balance Transfer APR N/A
  • Regular Balance Transfer APR 15.74% to 23.74% Variable
  • Balance Transfer Fee 5%, $5 minimum
How to Transfer a Balance on a Credit Card
Fees
  • Penalty APR N/A
  • Late Fee Up to $39
  • Returned Payment Fee Up to $39
  • Additional Cards Annual Fee N/A
  • Foreign Transaction Fee None
Learn About Types of Credit Card Fees

Biggest Travel Credit

Chase Sapphire Reserve®

Card details

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 that if you use all the benefits, credits, and rewards. Read our review of this card here.

  • Min. Credit Level Excellent
  • Annual Fee $550
  • Regular APR 16.99%-23.99% Variable
Rewards
  • 10X Ultimate Rewards points per dollar on:
    • Lyft rides (through 3/31/22)
    • Select streaming services (up to $1,500 spent, through 9/30/20)
  • 5X Ultimate Rewards points per dollar on:
    • Instacart (up to $3,000 spent, through 9/30/20)
    • Gas (up to $1,500 spent, through 9/30/20)
  • 3X Ultimate Rewards points per dollar on:
    • Travel
    • Dining worldwide
  • 1X Ultimate Reward point per dollar on all other purchases
  • 50% point bonus when redeeming through Chase Ultimate Rewards

Introductory bonus

50,000 bonus points for spending $4,000 in the first 3 months after account opening
Balance transfers

A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.

  • Intro Balance Transfer APR N/A
  • Regular Balance Transfer APR 16.99%-23.99% Variable
  • Balance Transfer Fee Either $5 or 5% of the amount of each transfer, whichever is greater.
How to Transfer a Balance on a Credit Card
Fees
  • Penalty APR N/A
  • Late Fee Up to $39
  • Returned Payment Fee Up to $39
  • Additional Cards Annual Fee $75
  • Foreign Transaction Fee $0
Learn About Types of Credit Card Fees

Most Airport Lounge Access

The Platinum Card® from American Express

Apply Now

securely on the issuer's website

Card details

The Platinum Card is a high-end 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.

  • Min. Credit Level Good
  • Annual Fee $550
  • Regular APR See Pay Over Time APR
Rewards
  • 5X Membership Rewards points per dollar on:
    • Flights booked directly through airlines or through American Express Travel
    • Prepaid hotels booked through American Express Travel
  • 2X Membership Rewards points per dollar on other eligible travel expenses booked through American Express Travel
  • 1X Membership Rewards point per dollar on all other purchases

Introductory bonus

60,000 bonus points for spending $5,000 in purchases in the first 3 months
Balance transfers

A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.

  • Intro Balance Transfer APR N/A
  • Regular Balance Transfer APR N/A
  • Balance Transfer Fee See Terms
How to Transfer a Balance on a Credit Card
Fees
  • Penalty APR See Rates & Fees
  • Late Fee Up to $40
  • Returned Payment Fee Up to $40
  • Additional Cards Annual Fee $175 for first 3; then $175 per card
  • Foreign Transaction Fee None
Learn About Types of Credit Card Fees

American Express is a Credit Card Insider advertiser.

Food & Entertainment Spending

Capital One® Savor® Cash Rewards Credit Card

Apply Now

securely on the issuer's website

Card details

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, 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.

  • Min. Credit Level Good
  • Annual Fee $95
  • Regular APR 15.99% - 24.99% Variable
Rewards
  • 8% cash back on tickets at Vivid Seats
  • 5% cash back with Uber Eats (through 1/31/21)
  • 4% cash back on:
    • Dining
    • Entertainment
  • 2% cash back at Grocery Stores
  • 1% cash back on all other purchases

Introductory bonus

$300 cash bonus for spending $3,000 in the first 3 months
Balance transfers

A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.

  • Intro Balance Transfer APR N/A
  • Regular Balance Transfer APR 15.99% - 24.99% Variable
  • Balance Transfer Fee $0
How to Transfer a Balance on a Credit Card
Fees
  • Penalty APR N/A
  • Late Fee Up to $39
  • Returned Payment Fee See Terms
  • Additional Cards Annual Fee $0
  • Foreign Transaction Fee None
Learn About Types of Credit Card Fees

The information related to Capital One® Savor® Cash Rewards Credit Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

25 Metal Credit Cards Available Now

Amazon Prime Rewards Visa Signature Card

Apply Now

securely on the issuer's website

  • Min. Credit Level Good
  • Annual Fee $0
  • Regular APR 15.74% to 23.74% Variable
Card details

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.

Rewards
  • 5% cash back at:
    • Amazon.com
    • Whole Foods Market
  • 2% cash back at:
    • Gas Stations
    • Restaurants
    • Drugstores
  • 1% cash back on all other purchases

Introductory bonus

$70 Amazon.com Gift Card instantly upon approval
Balance transfers

A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.

  • Intro Balance Transfer APR N/A
  • Regular Balance Transfer APR 15.74% to 23.74% Variable
  • Balance Transfer Fee 5%, $5 minimum
How to Transfer a Balance on a Credit Card
Fees
  • Penalty APR N/A
  • Late Fee Up to $39
  • Returned Payment Fee Up to $39
  • Additional Cards Annual Fee N/A
  • Foreign Transaction Fee None
Learn About Types of Credit Card Fees
Cash advances

Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

  • Cash Advance APR 26.49% Variable
  • Cash Advance Fee 5%, $10 minimum
How to Get a Cash Advance with a Credit Card

American Express® Gold Card

Apply Now

securely on the issuer's website

  • Min. Credit Level Good
  • Annual Fee $250 Rates & Fees
  • Regular APR See Pay Over Time APR
Card details

The Gold Card is 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.

Rewards
  • 4X Membership Rewards points per dollar at:
    • Restaurants worldwide
    • U.S. Supermarkets (up to $25,000 per calendar year in purchases, then 1X)
  • 3X Membership Rewards points per dollar on:
    • Flights booked directly with airlines
    • Flights booked through amextravel.com
  • 1X Membership Rewards point per dollar for every other purchase

Introductory bonus

35,000 bonus points for spending $4,000 in the first 3 months
Balance transfers

A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.

  • Intro Balance Transfer APR N/A
  • Regular Balance Transfer APR N/A
  • Balance Transfer Fee N/A
How to Transfer a Balance on a Credit Card
Fees
  • Penalty APR See Rates & Fees
  • Late Fee Up to $40
  • Returned Payment Fee Up to $40
  • Additional Cards Annual Fee $0 for the first 5, then $35 each
  • Foreign Transaction Fee None
Learn About Types of Credit Card Fees
Cash advances

Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

  • Cash Advance APR 25.24% Variable
  • Cash Advance Fee Either $10 or 5% of the amount of each cash advance, whichever is greater.
How to Get a Cash Advance with a Credit Card

American Express is a Credit Card Insider advertiser.

The Platinum Card® from American Express

Apply Now

securely on the issuer's website

  • Min. Credit Level Good
  • Annual Fee $550 Rates & Fees
  • Regular APR See Pay Over Time APR
Card details

The Platinum Card is a high-end product 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.

Rewards
  • 5X Membership Rewards points per dollar on:
    • Flights booked directly through airlines or through American Express Travel
    • Prepaid hotels booked through American Express Travel
  • 2X Membership Rewards points per dollar on other eligible travel expenses booked through American Express Travel
  • 1X Membership Rewards point per dollar on all other purchases

Introductory bonus

60,000 bonus points for spending $5,000 in purchases in the first 3 months
Balance transfers

A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.

  • Intro Balance Transfer APR N/A
  • Regular Balance Transfer APR N/A
  • Balance Transfer Fee See Terms
How to Transfer a Balance on a Credit Card
Fees
  • Penalty APR See Rates & Fees
  • Late Fee Up to $40
  • Returned Payment Fee Up to $40
  • Additional Cards Annual Fee $175 for first 3; then $175 per card
  • Foreign Transaction Fee None
Learn About Types of Credit Card Fees
Cash advances

Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

  • Cash Advance APR 25.24% Variable
  • Cash Advance Fee Either $10 or 5% of the amount of each cash advance, whichever is greater.
How to Get a Cash Advance with a Credit Card

American Express is a Credit Card Insider advertiser.

Apple Card

Apply Now

securely on the issuer's website

  • Min. Credit Level Fair
  • Annual Fee $0
  • Regular APR 12.74% — 23.74% Variable
Card details

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 through the Wallet app on iPhone.

Rewards
  • 3% cash back at:
    • Apple in store or online
    • iTunes
    • App Store
    • Uber/Uber Eats (when using Apple Pay)
  • 2% cash back every time you use Apple Pay
  • 1% cash back on everything else
Balance transfers

A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.

  • Intro Balance Transfer APR N/A
  • Regular Balance Transfer APR N/A
  • Balance Transfer Fee N/A
How to Transfer a Balance on a Credit Card
Fees
  • Penalty APR N/A
  • Late Fee N/A
  • Returned Payment Fee N/A
  • Additional Cards Annual Fee $0
  • Foreign Transaction Fee None
Learn About Types of Credit Card Fees
Cash advances

Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

  • Cash Advance APR N/A
  • Cash Advance Fee N/A
How to Get a Cash Advance with a Credit Card

Capital One® Savor® Cash Rewards Credit Card

Apply Now

securely on the issuer's website

  • Min. Credit Level Good
  • Annual Fee $95
  • Regular APR 15.99% - 24.99% Variable
Card details

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, 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.

Rewards
  • 8% cash back on tickets at Vivid Seats
  • 5% cash back with Uber Eats (through 1/31/21)
  • 4% cash back on:
    • Dining
    • Entertainment
  • 2% cash back at Grocery Stores
  • 1% cash back on all other purchases

Introductory bonus

$300 cash bonus for spending $3,000 in the first 3 months
Balance transfers

A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.

  • Intro Balance Transfer APR N/A
  • Regular Balance Transfer APR 15.99% - 24.99% Variable
  • Balance Transfer Fee $0
How to Transfer a Balance on a Credit Card
Fees
  • Penalty APR N/A
  • Late Fee Up to $39
  • Returned Payment Fee See Terms
  • Additional Cards Annual Fee $0
  • Foreign Transaction Fee None
Learn About Types of Credit Card Fees
Cash advances

Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

  • Cash Advance APR 24.99% Variable
  • Cash Advance Fee 3% of the amount of the cash advance, but not less than $10
How to Get a Cash Advance with a Credit Card

The information related to Capital One® Savor® Cash Rewards Credit Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

Capital One® Venture® Rewards Credit Card

Apply Now

securely on the issuer's website

  • Min. Credit Level Good
  • Annual Fee $95
  • Regular APR 17.24% - 24.49% Variable
Card details

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 annual fee.

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

Rewards
  • 5X miles per dollar with Uber Eats (through 1/31/21)
  • 2X miles per dollar on all other purchases

Introductory bonus

50,000 bonus miles for spending $3,000 in the first 3 months after account opening
Balance transfers

A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.

  • Intro Balance Transfer APR N/A
  • Regular Balance Transfer APR 17.24% - 24.49% Variable
  • Balance Transfer Fee $0
How to Transfer a Balance on a Credit Card
Fees
  • Penalty APR N/A
  • Late Fee Up to $39
  • Returned Payment Fee N/A
  • Additional Cards Annual Fee N/A
  • Foreign Transaction Fee None
Learn About Types of Credit Card Fees
Cash advances

Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

  • Cash Advance APR 24.49% Variable
  • Cash Advance Fee 3% of the amount of the cash advance, but not less than $10
How to Get a Cash Advance with a Credit Card

The information related to Capital One® Venture® Rewards Credit Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

Chase Sapphire Preferred® Card

Apply Now

securely on the issuer's website

  • Min. Credit Level Good
  • Annual Fee $95
  • Regular APR 15.99% - 22.99% Variable
Card details

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.

Rewards
  • 5X Ultimate Rewards points per dollar on:
    • Lyft rides (through 3/31/22)
    • Select streaming services (up to $1,500 spent, through 9/30/20)
  • 3X Ultimate Rewards points per dollar on:
    • Instacart (up to $3,000 spent, through 9/30/20)
    • Gas (up to $1,500 spent, through 9/30/20)
  • 2X Ultimate Rewards points per dollar for:
    • Travel
    • Restaurants
  • 1X Ultimate Rewards point per dollar on all other purchases

Introductory bonus

60,000 bonus points for spending $4,000 in the first 3 months

Bonus restrictions

You are ineligible for this bonus if you have a Sapphire card, or you’ve received a new cardmember bonus for any Sapphire card in the past 48 months.

Balance transfers

A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.

  • Intro Balance Transfer APR N/A
  • Regular Balance Transfer APR 15.99% - 22.99% Variable
  • Balance Transfer Fee Either $5 or 5% of the amount of each transfer, whichever is greater.
How to Transfer a Balance on a Credit Card
Fees
  • Penalty APR N/A
  • Late Fee Up to $39
  • Returned Payment Fee Up to $39
  • Additional Cards Annual Fee N/A
  • Foreign Transaction Fee $0
Learn About Types of Credit Card Fees
Cash advances

Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

  • Cash Advance APR 24.99% Variable
  • Cash Advance Fee Either $10 or 5% of the amount of each transaction, whichever is greater.
How to Get a Cash Advance with a Credit Card

Chase Sapphire Reserve®

  • Min. Credit Level Excellent
  • Annual Fee $550
  • Regular APR 16.99%-23.99% Variable
Card details

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 that 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.

Rewards
  • 10X Ultimate Rewards points per dollar on:
    • Lyft rides (through 3/31/22)
    • Select streaming services (up to $1,500 spent, through 9/30/20)
  • 5X Ultimate Rewards points per dollar on:
    • Instacart (up to $3,000 spent, through 9/30/20)
    • Gas (up to $1,500 spent, through 9/30/20)
  • 3X Ultimate Rewards points per dollar on:
    • Travel
    • Dining worldwide
  • 1X Ultimate Reward point per dollar on all other purchases
  • 50% point bonus when redeeming through Chase Ultimate Rewards

Introductory bonus

50,000 bonus points for spending $4,000 in the first 3 months after account opening
Balance transfers

A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.

  • Intro Balance Transfer APR N/A
  • Regular Balance Transfer APR 16.99%-23.99% Variable
  • Balance Transfer Fee Either $5 or 5% of the amount of each transfer, whichever is greater.
How to Transfer a Balance on a Credit Card
Fees
  • Penalty APR N/A
  • Late Fee Up to $39
  • Returned Payment Fee Up to $39
  • Additional Cards Annual Fee $75
  • Foreign Transaction Fee $0
Learn About Types of Credit Card Fees
Cash advances

Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

  • Cash Advance APR 24.99% Variable
  • Cash Advance Fee Either $10 or 5% of the amount of each transaction, whichever is greater.
How to Get a Cash Advance with a Credit Card

Citi® / AAdvantage® Executive World Elite Mastercard®

Apply Now

securely on the issuer's website

  • Min. Credit Level Excellent
  • Annual Fee $450
  • Regular APR 15.99% - 24.99% (Variable)
Card details

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.

Rewards
  • 2X AAdvantage miles per dollar spent on eligible American Airlines purchases
  • 1X AAdvantage mile per dollar spent on all other purchases

Introductory bonus

50,000 AAdvantage bonus miles for spending $5,000 in the first 3 months of account opening

Bonus restrictions

Bonus miles are not available if you have received a new account bonus for a Citi® / AAdvantage® Executive account in the past 48 months.

Balance transfers

A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.

  • Intro Balance Transfer APR N/A
  • Regular Balance Transfer APR 15.99% - 24.99% (Variable)
  • Balance Transfer Fee 3% of each balance transfer; $5 minimum.
How to Transfer a Balance on a Credit Card
Fees
  • Penalty APR Up to 29.99% (Variable)
  • Late Fee Up to $40
  • Returned Payment Fee Up to $40
  • Additional Cards Annual Fee $0 for 10 cards
  • Foreign Transaction Fee 0%
Learn About Types of Credit Card Fees
Cash advances

Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

  • Cash Advance APR 25.24% (Variable)
  • Cash Advance Fee 5% of each cash advance; $10 minimum
How to Get a Cash Advance with a Credit Card

Citi is a Credit Card Insider advertiser.

Citi Prestige® Card

Apply Now

securely on the issuer's website

  • Min. Credit Level Good
  • Annual Fee $495
  • Regular APR 17.99%–24.99% Variable
Card details

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.

Rewards
  • 5X ThankYou points per dollar spent on:
    • Air travel
    • Restaurants
    • Eligible online purchases (up to 7,500 points; through 8/31/20)
  • 3X ThankYou points per dollar spent on:
    • Hotels
    • Cruise lines
  • 1X ThankYou point per dollar spent on everything else

Introductory bonus

50,000 ThankYou points for spending $4,000 within 3 months of account opening

Bonus restrictions

You are ineligible for this introductory bonus if you’ve either closed or received an introductory bonus from any of the following cards in the past 24 months:

Balance transfers

A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.

  • Intro Balance Transfer APR N/A
  • Regular Balance Transfer APR 17.99%–24.99% Variable
  • Balance Transfer Fee 3%, $5 minimum
How to Transfer a Balance on a Credit Card
Fees
  • Penalty APR Up to 29.99% Variable
  • Late Fee Up to $40
  • Returned Payment Fee Up to $40
  • Additional Cards Annual Fee $75
  • Foreign Transaction Fee None
Learn About Types of Credit Card Fees
Cash advances

Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

  • Cash Advance APR 26.24% Variable
  • Cash Advance Fee 5%, $10 minimum
How to Get a Cash Advance with a Credit Card

The information related to Citi Prestige® Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

Crystal® Visa Infinite® Credit Card

Apply Now

securely on the issuer's website

  • Min. Credit Level Excellent
  • Annual Fee $400
  • Regular APR 13% Fixed
Card details

The Crystal® Visa Infinite® Credit Card is quite the rewarding luxury card, with annual airline and lounge credits, plus Priority Pass Select membership and a bevy of other travel perks. You’ll need to be an existing bank client to apply.

Rewards
  • 3X points per dollar on:
    • Travel
    • Restaurants
  • 1X point per dollar on all other purchases
Balance transfers

A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.

  • Intro Balance Transfer APR N/A
  • Regular Balance Transfer APR N/A
  • Balance Transfer Fee N/A
How to Transfer a Balance on a Credit Card
Fees
  • Penalty APR N/A
  • Late Fee Up to $15
  • Returned Payment Fee Up to $20
  • Additional Cards Annual Fee $95
  • Foreign Transaction Fee None
Learn About Types of Credit Card Fees
Cash advances

Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

  • Cash Advance APR 19% Fixed
  • Cash Advance Fee 3%, $5 minimum
How to Get a Cash Advance with a Credit Card

HSBC Premier World Elite Mastercard® Credit Card

Apply Now

securely on the issuer's website

  • Min. Credit Level Excellent
  • Annual Fee $395
  • Regular APR 17.24% or 21.24% Variable
Card details

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.

Rewards
  • 3X Rewards Program points per dollar on travel
  • 2X Rewards Program points per dollar on dining
  • 1X Rewards Program point per dollar on all other purchases

Introductory bonus

50,000 bonus points after spending $4,000 in the first three months of account opening
Balance transfers

A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.

  • Intro Balance Transfer APR N/A
  • Regular Balance Transfer APR 17.24% or 21.24% Variable
  • Balance Transfer Fee 3%, $5 minimum
How to Transfer a Balance on a Credit Card
Fees
  • Penalty APR 32.24% Variable
  • Late Fee Up to $37
  • Returned Payment Fee Up to $25
  • Additional Cards Annual Fee $65
  • Foreign Transaction Fee None
Learn About Types of Credit Card Fees
Cash advances

Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

  • Cash Advance APR 27.24% Variable
  • Cash Advance Fee 3%, $5 minimum
How to Get a Cash Advance with a Credit Card

IHG® Rewards Club Premier Credit Card

  • Min. Credit Level Good
  • Annual Fee $89
  • Regular APR 15.99% - 22.99% Variable
Card details

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.

Rewards
  • 25X points per dollar at IHG hotels and resorts:
    • 10X points from the IHG credit card
    • 15X points for IHG Platinum Elite status
  • 2X Bonus points per dollar at:
    • Gas stations
    • Restaurants
    • Grocery stores
  • 1X Bonus point per dollar for all other purchases

Introductory bonus

125,000 bonus points for spending $3,000 in the first 3 months
Balance transfers

A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.

  • Intro Balance Transfer APR N/A
  • Regular Balance Transfer APR 15.99% - 22.99% Variable
  • Balance Transfer Fee Either $5 or 5% of the amount of each transfer, whichever is greater.
How to Transfer a Balance on a Credit Card
Fees
  • Penalty APR N/A
  • Late Fee Up to $39
  • Returned Payment Fee Up to $39
  • Additional Cards Annual Fee $0
  • Foreign Transaction Fee $0
Learn About Types of Credit Card Fees
Cash advances

Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

  • Cash Advance APR 24.99% Variable
  • Cash Advance Fee Either $10 or 5% of the amount of each transaction, whichever is greater.
How to Get a Cash Advance with a Credit Card

Marriott Bonvoy Brilliant™ American Express® Card

Apply Now

securely on the issuer's website

  • Min. Credit Level Excellent
  • Annual Fee $450
  • Regular APR 15.74%–24.74% Variable
Card details

The Marriott Bonvoy Brilliant™ American Express® Card (Review) is a premium hotel card designed for anyone who’ll stay with Marriott Bonvoy a few times per year. It offers plenty of hotel and travel perks, including a free night every year, airport lounge access, and complimentary Marriott Bonvoy Gold Elite status.

Rewards
  • 6X Marriott Bonvoy Bonus points per dollar for eligible purchases charged on your Card directly with participating Marriott Bonvoy hotels
  • 3X Marriott Bonvoy points per dollar:
    • At U.S. restaurants
    • On flights booked directly with airlines
  • 2X Marriott Bonvoy points per dollar spent on all other purchases

Introductory bonus

75,000 bonus points for spending $3,000 in the first 3 months

Bonus restrictions

Welcome bonus is not available for applicants who:

Balance transfers

A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.

  • Intro Balance Transfer APR N/A
  • Regular Balance Transfer APR N/A
  • Balance Transfer Fee N/A
How to Transfer a Balance on a Credit Card
Fees
  • Penalty APR 29.24% Variable
  • Late Fee Up to $40
  • Returned Payment Fee Up to $40
  • Additional Cards Annual Fee N/A
  • Foreign Transaction Fee None
Learn About Types of Credit Card Fees
Cash advances

Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

  • Cash Advance APR 25.24% Variable
  • Cash Advance Fee 5%, $10 minimum
How to Get a Cash Advance with a Credit Card

The information related to Marriott Bonvoy Brilliant™ 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.

Mastercard® Black Card™

Apply Now

securely on the issuer's website

  • Min. Credit Level Excellent
  • Annual Fee $495
  • Regular APR 14.99% Variable
Card details

Unlike the Centurion card, this is a credit 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.

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.

Rewards
  • 1X point per dollar for all purchases
    • Cash back redemption value: 1.5% cash back
    • Airfare redemption value: 2% cash back

Introductory bonus

None
Balance transfers

A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.

  • Intro Balance Transfer APR 0% for 15 months
  • Regular Balance Transfer APR 14.99% Variable
  • Balance Transfer Fee 3% ($5 min)
How to Transfer a Balance on a Credit Card
Fees
  • Penalty APR Up to 27.24% (Variable)
  • Late Fee Up to $37
  • Returned Payment Fee Up to $37
  • Additional Cards Annual Fee $195
  • Foreign Transaction Fee 0%
Learn About Types of Credit Card Fees
Cash advances

Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

  • Cash Advance APR 25.24% Variable
  • Cash Advance Fee 5% ($10 min)
How to Get a Cash Advance with a Credit Card

Mastercard® Gold Card™

Apply Now

securely on the issuer's website

  • Min. Credit Level Excellent
  • Annual Fee $995
  • Regular APR 14.99% Variable
Card details

If you want a heavy, thick, metal credit card plated in actual 24k-gold, this may be the card for you.

It has high-end travel benefits, but only earns the equivalent of 2% cash back on all purchases.

Rewards
  • 1X point per dollar for all purchases
    • Cash back redemption value: 2% cash back
    • Airfare redemption value: 2% cash back

Introductory bonus

None
Balance transfers

A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.

  • Intro Balance Transfer APR 0% for 15 months
  • Regular Balance Transfer APR 14.99% Variable
  • Balance Transfer Fee 3% ($10 min)
How to Transfer a Balance on a Credit Card
Fees
  • Penalty APR N/A
  • Late Fee Up to $37
  • Returned Payment Fee Up to $37
  • Additional Cards Annual Fee $295
  • Foreign Transaction Fee 0%
Learn About Types of Credit Card Fees
Cash advances

Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

  • Cash Advance APR 25.24% Variable
  • Cash Advance Fee 5% ($10 min)
How to Get a Cash Advance with a Credit Card

Mastercard® Titanium Card™

Apply Now

securely on the issuer's website

  • Min. Credit Level Good
  • Annual Fee $195
  • Regular APR 14.99% Variable
Card details

The Mastercard Titanium Card is a thick, heavy metal rewards credit card.

It earns 1X point per dollar and provides a host of benefits geared toward the frequent traveler. You may be able to get more rewards or benefits with other cards that are less expensive, but if you’re looking for the heaviest card with the lowest annual fee, this is it.

Rewards
  • 1X point per dollar for all purchases
    • Cash back redemption value: 1% cash back
    • Airfare redemption value: 2% cash back

Introductory bonus

None
Balance transfers

A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.

  • Intro Balance Transfer APR 0% for 15 months
  • Regular Balance Transfer APR 14.99% Variable
  • Balance Transfer Fee 3% ($5 min)
How to Transfer a Balance on a Credit Card
Fees
  • Penalty APR N/A
  • Late Fee Up to $37
  • Returned Payment Fee Up to $37
  • Additional Cards Annual Fee $95
  • Foreign Transaction Fee 0%
Learn About Types of Credit Card Fees
Cash advances

Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

  • Cash Advance APR 25.24% Variable
  • Cash Advance Fee 5% ($10 min)
How to Get a Cash Advance with a Credit Card

United Club℠ Infinite Card

  • Min. Credit Level Good
  • Annual Fee $525
  • Regular APR 16.49% - 23.49% Variable
Card details

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.

Rewards
  • 4X miles per dollar spent on United purchases
  • 2X miles per dollar spent for:
    • Restaurants
    • Travel
  • 1X mile per dollar spent on all other purchases

Introductory bonus

100,000 bonus miles for spending $5,000 in the first 3 months
Balance transfers

A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.

  • Intro Balance Transfer APR N/A
  • Regular Balance Transfer APR 16.49% - 23.49% Variable
  • Balance Transfer Fee Either $5 or 5% of the amount of each transfer, whichever is greater.
How to Transfer a Balance on a Credit Card
Fees
  • Penalty APR N/A
  • Late Fee Up to $39
  • Returned Payment Fee Up to $39
  • Additional Cards Annual Fee $0
  • Foreign Transaction Fee $0
Learn About Types of Credit Card Fees
Cash advances

Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

  • Cash Advance APR 24.99% Variable
  • Cash Advance Fee Either $10 or 5% of the amount of each transaction, whichever is greater.
How to Get a Cash Advance with a Credit Card

U.S. Bank Altitude Reserve Visa Infinite® Card

Apply Now

securely on the issuer's website

  • Min. Credit Level Excellent
  • Annual Fee $400
  • Regular APR 17.24% Variable
Card details

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.

Rewards
  • 3X points per dollar spent on:
    • Travel
    • Mobile Wallet purchases
  • 1X point per dollar spent on all other purchases

Introductory bonus

50,000 bonus points for spending $4,500 in the first 90 days of membership
Balance transfers

A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.

  • Intro Balance Transfer APR N/A
  • Regular Balance Transfer APR 17.24% Variable
  • Balance Transfer Fee 3%, $5 minimum
How to Transfer a Balance on a Credit Card
Fees
  • Penalty APR N/A
  • Late Fee Up to $40
  • Returned Payment Fee Up to $35
  • Additional Cards Annual Fee $75
  • Foreign Transaction Fee None
Learn About Types of Credit Card Fees
Cash advances

Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

  • Cash Advance APR 25.49% Variable
  • Cash Advance Fee 4%, $10 minimum
How to Get a Cash Advance with a Credit Card

Verizon Visa Signature® Card

Apply Now

securely on the issuer's website

  • Min. Credit Level Good
  • Annual Fee $0
  • Regular APR 18.74%–25.74% Variable
Card details

The Verizon credit card is a relatively new addition to the credit card market. It has strong rewards and decent benefits, but the card is designed exclusively for Verizon Wireless customers.

You’ll earn cash back at a nice variety of retailers, including 2% at Verizon. But your rewards (in the form of Verizon Dollars) can only be redeemed for Verizon products and services, like phone plans, as well as devices like cell phones — but only when purchased through Verizon. It’s not a bad offer, but you have to commit to Verizon for the long haul to get the most out of it.

Rewards
  • 4% back in Verizon Dollars at:
    • Grocery stores
    • Gas stations
  • 3% back in Verizon Dollars on Dining
  • 2% back in Verizon Dollars on Verizon purchases
  • 1% back in Verizon Dollars on all other purchases

Introductory bonus

$100 credit over the first 24 months when you use your card to pay your Verizon Wireless / Fios bill
Balance transfers

A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.

  • Intro Balance Transfer APR N/A
  • Regular Balance Transfer APR 18.74%–25.74% Variable
  • Balance Transfer Fee See Terms
How to Transfer a Balance on a Credit Card
Fees
  • Penalty APR N/A
  • Late Fee See Terms
  • Returned Payment Fee See Terms
  • Additional Cards Annual Fee N/A
  • Foreign Transaction Fee None
Learn About Types of Credit Card Fees
Cash advances

Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

  • Cash Advance APR See Terms
  • Cash Advance Fee See Terms
How to Get a Cash Advance with a Credit Card

Wells Fargo Propel American Express® card

Apply Now

securely on the issuer's website

  • Min. Credit Level Good
  • Annual Fee $0
  • Regular APR 13.99%-25.99% Variable
Card details

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.

Rewards
  • 3X points per dollar at:
    • Restaurants
    • Gas stations
    • Travel
    • Eligible streaming services
  • 1X point per dollar on all other purchases

Introductory bonus

20,000 bonus points for spending $1,000 in the first 3 months
Balance transfers

A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.

  • Intro Balance Transfer APR 0% Intro APR for 12 months on qualifying balance transfers
  • Regular Balance Transfer APR 13.99%-25.99% Variable
  • Balance Transfer Fee 3% for 120 days, then 5%
How to Transfer a Balance on a Credit Card
Fees
  • Penalty APR N/A
  • Late Fee Up to $37
  • Returned Payment Fee Up to $37
  • Additional Cards Annual Fee N/A
  • Foreign Transaction Fee None
Learn About Types of Credit Card Fees
Cash advances

Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

  • Cash Advance APR See Terms
  • Cash Advance Fee See Terms
How to Get a Cash Advance with a Credit Card

Related Post

Heaviest Credit Cards: 2020

Not all credit cards are created equal — in particular, some metal credit cards are a bit stouter than others. While some only have a layer or veneer of metal, others are solid metal all the way through. See our roundup of the heaviest cards here.

Amazon Business Prime American Express Card

Apply Now

securely on the issuer's website

  • Min. Credit Level Good
  • Annual Fee $0
  • Regular APR 15.24%–23.24% Variable
Card details

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.

Rewards
  • 5% cash back at:
    • Amazon.com
    • Amazon Business
    • Amazon Web Services (AWS)
    • Whole Foods Market
  • 2% cash back at:
    • U.S. restaurants
    • U.S. gas stations
    • U.S. wireless telephone services
  • 1% cash back for all other purchases

Introductory bonus

$125 Amazon.com gift card upon account approval
Balance transfers

A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.

  • Intro Balance Transfer APR N/A
  • Regular Balance Transfer APR N/A
  • Balance Transfer Fee N/A
How to Transfer a Balance on a Credit Card
Fees
  • Penalty APR 29.99% Variable
  • Late Fee Up to $39
  • Returned Payment Fee $39
  • Additional Cards Annual Fee N/A
  • Foreign Transaction Fee None
Learn About Types of Credit Card Fees
Cash advances

Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

  • Cash Advance APR 25.99% Variable
  • Cash Advance Fee 3%, $5 minimum
How to Get a Cash Advance with a Credit Card

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.

American Express® Business Gold Card

  • Min. Credit Level Good
  • Annual Fee $295 Rates & Fees
  • Regular APR 14.24% - 22.24% Variable
Card details

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).:

Rewards
  • 4X Membership Rewards points per dollar in the two categories with the highest spend per month, up to $150,000 in combined purchases per year (then 1X):
    • Airfare purchased directly from airlines
    • U.S. advertising purchases: online, TV, radio
    • U.S. providers of computer hardware, software, and cloud solutions
    • U.S. gas stations
    • U.S. restaurants
    • U.S. shipping
  • 2X Membership Rewards points per dollar for eligible purchases from American Express Travel
  • 1X Membership Rewards point per dollar for all other purchases

Introductory bonus

35,000 bonus points for spending $5,000 in the first 3 months
Balance transfers

A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.

  • Intro Balance Transfer APR N/A
  • Regular Balance Transfer APR 14.24% - 22.24% Variable
  • Balance Transfer Fee N/A
How to Transfer a Balance on a Credit Card
Fees
  • Penalty APR 29.24% Variable
  • Late Fee $39 or 2.99% of any past due Pay in Full amount, whichever is greater.
  • Returned Payment Fee $39
  • Additional Cards Annual Fee N/A
  • Foreign Transaction Fee None
Learn About Types of Credit Card Fees
Cash advances

Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

  • Cash Advance APR N/A
  • Cash Advance Fee N/A
How to Get a Cash Advance with a Credit Card

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

The Business Platinum Card® from American Express

  • Min. Credit Level Good
  • Annual Fee $595 Rates & Fees
  • Regular APR N/A
Card details

This business version of the Amex Platinum card costs $595 per year . It comes with benefits like Marriott Bonvoy and Hilton Honors Gold statuses, airport lounge access, and more. Read our full review here.

Rewards
  • 5X Membership Rewards points per dollar spent on flights and prepaid hotels on the American Express Travel website
  • 1.5X Membership Rewards points per dollar spent on eligible purchases of $5,000 or more (an extra .5 points per dollar, up to 1 million extra points per year)
  • 1X Membership Rewards point per dollar spent on all other purchases

Introductory bonus

75,000 bonus points for spending $15,000 in the first 3 months
Balance transfers

A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.

  • Intro Balance Transfer APR N/A
  • Regular Balance Transfer APR N/A
  • Balance Transfer Fee N/A
How to Transfer a Balance on a Credit Card
Fees
  • Penalty APR N/A
  • Late Fee $39 or 2.99% of any past due Pay in Full amount, whichever is greater.
  • Returned Payment Fee $39
  • Additional Cards Annual Fee N/A
  • Foreign Transaction Fee None
Learn About Types of Credit Card Fees
Cash advances

Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

  • Cash Advance APR N/A
  • Cash Advance Fee N/A
How to Get a Cash Advance with a Credit Card

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

United MileagePlus® Club Business Card

Apply Now

securely on the issuer's website

  • Min. Credit Level Good
  • Annual Fee $450
  • Regular APR 18.24%–25.24% Variable
Card details

This card business credit card is designed for people who frequently travel on United Airlines.

Like the personal version, the business card has a $450 annual fee, United Club lounge access, and the ability to check some bags for free. You may be able to justify the annual fee if you travel frequently on United, since it earns 1.5 United miles per dollar spent on all purchases and 2 miles on all purchases of United airfare.

Rewards
  • 2X miles per dollar spent on United Airlines purchases
  • 1.5X miles per dollar spent on all other purchases

Introductory bonus

100,000 bonus miles for spending $10,000 on purchases in the first 3 months
Balance transfers

A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.

  • Intro Balance Transfer APR N/A
  • Regular Balance Transfer APR 18.24%–25.24% Variable
  • Balance Transfer Fee 5%, $5 minimum
How to Transfer a Balance on a Credit Card
Fees
  • Penalty APR Up to 29.99% Variable
  • Late Fee Up to $39
  • Returned Payment Fee $39
  • Additional Cards Annual Fee N/A
  • Foreign Transaction Fee None
Learn About Types of Credit Card Fees
Cash advances

Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

  • Cash Advance APR 27.24% Variable
  • Cash Advance Fee 5%, $15 minimum
How to Get a Cash Advance with a Credit Card

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Heaviest Credit Cards: 2020

Not all credit cards are created equal — in particular, some metal credit cards are a bit stouter than others. While some only have a layer or veneer of metal, others are solid metal all the way through. See our roundup of the heaviest cards here.

What Are the Best Metal Credit 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.

There are even metal business credit cards, like the American Express® Business Gold Card (Review) and the Amazon Business Prime American Express Card (Review).

How Do I Get a Metal Credit Card?

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.

How Do I Destroy A Metal Credit Card?

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.

What’s the Heaviest Metal Credit Card?

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.

Are Metal Credit Cards Better?

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.

Several of the best premium credit cards are metal, but that doesn’t really mean anything, because there are metal cards we don’t like, too.

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

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

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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