Metal Credit Cards You Can Get Right Now

John Ganotis

John Ganotis | Blog

Jul 26, 2017 | Updated Jul 17, 2018

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 cards are usually heavier. Recently, someone actually weighed a bunch of them.

I like the utility, and have used my Chase Sapphire Preferred to open a door when I locked myself out. It also works well to scrape ice off a car window in the winter.

So, what credit cards are made of metal? Here are some of the major metal cards. Did I forget any? Leave a comment and let me know.



Amazon Prime Rewards

If you’re a Prime subscriber, there’s pretty much no reason not to get this card. You’ll get 5% back on Amazon purchases and there’s no annual fee for the card.

This is probably cheapest option if you’re trying to get a metal card without paying a high annual fee and you’re subscribed to Prime. Read our full review of all the Amazon credit cards here.

Amazon Prime Rewards Visa Signature Card
Apply Now

Amazon Prime Rewards Visa Signature Card

For People with
Good Credit

  • Annual Fee: $0
  • Interest Rate: 14.99%–22.99% Variable
Quick Card Facts
  • Requires active Prime membership
  • Cash back can be redeemed at Amazon.com checkout
  • Earn 5% back at Amazon.com
  • Earn 2% back at gas stations, restaurants, and drugstores
  • Earn 1% back on all other purchases
  • Get a $70 Amazon.com Gift Card instantly upon credit card approval

The information for Amazon Prime Rewards Visa Signature Card has been collected independently by Credit Card Insider. The card details on this page have not been reviewed or provided by the card issuer.

American Express Platinum Card

The Platinum Card is a high-end charge card designed for frequent travelers. This card’s been around for a while, but was refreshed in 2017 and changed to a metal design.

It includes many travel benefits, like airport lounge access, Uber credits, and a Global Entry or TSA PreCheck credit. It earns travel rewards. There’s a $550 annual fee, but if you use all the benefits the card can be well worth it. Read our full review here.

Platinum Card® from American Express
Apply Now

Platinum Card® from American Express

For People with
Excellent Credit

  • Annual Fee: $550
  • Interest Rate: Not Applicable - Paid in Full Monthly
Quick Card Facts
  • Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
  • Up to $200 Uber Savings Annually.
  • 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
  • 5X Membership Rewards® points on eligible hotels booked on amextravel.com.
  • As a Platinum Card Member, you can enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
  • Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn More. Terms Apply.
  • $200 Airline Fee Credit, up to $200 a year in baggage fees and more at one airline. Terms Apply.

Capital One Venture Rewards

This card is designed for travelers, but it doesn’t have the same benefits as some of the other premium travel cards listed on this page.

If you’re looking to pay the least amount of money to get a metal credit card, this is the one for you. The Amazon Prime Rewards card (above) has no annual fee for the card itself, but you need to be an Amazon Prime subscriber, which normally costs $99 per year.

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

Capital One® Venture® Rewards Credit Card
Apply Now

Capital One® Venture® Rewards Credit Card

For People with
Excellent Credit

  • Annual Fee: $95, $0 the first year
  • Interest Rate: 14.49%, 20.99%, or 24.49% Variable
Quick Card Facts
  • Enjoy a one-time bonus of 50,000 miles for spending $3,000 on purchases within the first 3 months
  • Earn 10X miles at Hotels.com/venture
  • Earn 2X miles per dollar on every other purchase
  • Fly any airline, stay at any hotel, anytime
  • Travel when you want with no blackout dates
  • Miles don't expire and there's no limit to how many you can earn
  • No foreign transaction fees
  • No annual fee for the first year; $95 after that
  • Capital One® Credit Wise - see your monthly credit score anytime for free and get automatic alerts

Chase Sapphire Preferred

The Sapphire Preferred is a metal card with a blue finish. It earns Chase Ultimate Rewards points, with 2x points on travel and dining purchases.

This card has a much lower annual fee than the more premium Chase Sapphire Reserve, but does not have all the same benefits and rewards. You can see our full review of the Sapphire Preferred here.

Chase Sapphire Preferred Card
Apply Now

Chase Sapphire Preferred Card

For People with
Good Credit

  • Annual Fee: $95 - Waived first year
  • Interest Rate: 17.49–24.49% Variable
Quick Card Facts
  • Earn 50,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening. That's $625 in travel when you redeem through Chase Ultimate Rewards
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases
  • No foreign transaction fees, plus chip-enabled for enhanced security and wider acceptance
  • 1:1 point transfer to leading frequent travel programs at full value - that means 1,000 Chase Ultimate Rewards points equal 1,000 partner miles/points
  • Premium Travel and Purchase Protection Benefits, including Trip Cancellation/Trip Interruption Insurance, Auto Rental Collision Damage Waiver, Purchase Protection and more
  • 24/7 direct access to dedicated customer service specialists
  • Introductory Annual Fee of $0 the first year, then $95

The information for Chase Sapphire Preferred Card has been collected independently by Credit Card Insider. The card details on this page have not been reviewed or provided by the card issuer.

Chase Sapphire Reserve

This card is loaded with benefits like airport lounge access and travel credits. It’s made of metal and has a dark blue and black design. When you look at benefits and cost, it’s in the same category as the Platinum Card from American Express. The Sapphire Reserve offers 3x Ultimate Rewards points per dollar on travel and dining, compared to 2X on the Chase Sapphire Preferred.

It has a relatively high annual fee of $450 compared to most credit cards, but you can easily make up for the annual fee if you use all the benefits, credits, and rewards. Read our review of this card here.

There’s another fancier-looking version of this card called the JP Morgan Reserve, but it is only available to JP Morgan Private Client customers. Rumor has it you need to have $10 million in assets with Chase to be able to get the JP Morgan Reserve.

Chase Sapphire Reserve Card
Apply Now

Chase Sapphire Reserve Card

For People with
Excellent Credit

  • Annual Fee: $450
  • Interest Rate: 17.49%–24.49% Variable
Quick Card Facts
  • 3X points on travel and dining worldwide
  • 50,000 points for spending $4,000 in 3 months
  • 1:1 point transfer to airline and hotel loyalty programs
  • $300 annual credit for travel expenses
  • $100 Global Entry and TSA PreCheck application credit
  • Visa Infinite Concierge
  • Priority Pass Select Membership
  • Luxury Hotels and Resorts Collection
  • Travel and Shopping protections
  • $450 annual fee
  • 17.24–24.24% APR Variable

The information for Chase Sapphire Reserve Card has been collected independently by Credit Card Insider. The card details on this page have not been reviewed or provided by the card issuer.

Citi Prestige

This is Citi’s travel-focused metal credit card offering that comes with a hefty $450 annual fee. It comes with a $250 annual airline credit, airport lounge access, a Global Entry credit, and some other benefits geared around air travel.

Citi Prestige® Card
Apply Now

Citi Prestige® Card

For People with
Excellent Credit

  • Annual Fee: $450; $50 for each authorized user
  • Interest Rate: 15.49% *Variable
Quick Card Facts
  • Earn 3 ThankYou points for every $1 spent on airfare and hotels
  • Earn 2 ThankYou points for every $1 spent on dining out and entertainment
  • Earn 1 ThankYou point or every $1 spent on all other purchases
  • There is no limit to the amount of points you can earn
  • Rewards never expire

Marriott Rewards Premier Plus

It’s not ultra-exclusive, but it’s black and made of metal. Spending with Marriott will earn you the highest reward point multiple with this card, so it’s designed for people who stay at Marriott hotels often. There’s also the much more expensive Ritz-Carlton Rewards card for Marriott’s Ritz-Carlton subsidiary.

Marriott Rewards® Premier Plus Credit Card
Apply Now

Marriott Rewards® Premier Plus Credit Card

For People with
Excellent Credit

  • Annual Fee: $95
  • Interest Rate: 17.49% to 24.49% Variable
Quick Card Facts
  • Earn 75,000 bonus points for spending $3,000 on purchases in the first 3 months from account opening
  • 6X points per dollar spent at Marriott, SPG, and Ritz-Carlton locations worldwide
  • 2X points per dollar spent on all other purchases
  • Enjoy 1 Free Night Stay at a property with a redemption level up to 35,000 points
  • Automatic Silver Elite Status
  • Earn Gold Elite Status by spending $35,000 with the card per year
  • Get 15 Elite Night Credits every calendar year (starting in 2019)
  • No limit to how many points you can earn
  • No foreign transaction fees
  • $95 annual fee

The information for Marriott Rewards® Premier Plus Credit Card has been collected independently by Credit Card Insider. The card details on this page have not been reviewed or provided by the card issuer.

MasterCard® Black Card™

This card is MasterCard’s response to the Centurion card, but it is a credit card instead of a charge card and anyone can apply for it.

It has a $495 annual fee, and comes with a set of high-end benefits. It doesn’t stack up well against other premium cards in this price range, like the Platinum Card from American Express (Review) or the Chase Sapphire Reserve (Review). See our review of this card here.

The issuer of this card, Luxury Card, actually offers two additional metal cards: the Titanium Card and Gold Card, but the Black Card is the most popular so I didn’t include all of them separately. See how all three cards compare to one another here.

Mastercard® Black Card™
Apply Now

Mastercard® Black Card™

For People with
Excellent Credit

  • Annual Fee: $495
  • Interest Rate: 16.74% Variable
Quick Card Facts
  • Stainless Steel – Patented Card Design
  • Luxury Card Rewards Program
  • 2% Value for Airfare Redemptions
  • 1.5% Value for Cash Back Redemptions
  • 24/7 Luxury Card ConciergeTM
  • Exclusive Luxury Card Travel Benefits
  • $100 Annual Airline Credit Toward Qualifying Purchases
  • $100 Global Entry Application Fee Credit
  • Luxury Gifts
  • Members-Only LUXURY MAGAZINE
  • Annual Fee: $495 ($195 for each Authorized User)
  • 16.74% Variable APR on Purchases and Transfers
  • 0% Introductory APR on balance transfers made in the first 45 days after account opening

Ritz-Carlton Rewards Card

The Ritz-Carlton Rewards Card has a $450 annual fee, but it’s also solid metal and quite heavy. It’s very rewarding, with 5X points at Ritz-Carlton, Marriott, and SPG properties. There are also quite a few excellent hotel and airline perks.

Ritz-Carlton Rewards Credit Card
Apply Now

Ritz-Carlton Rewards Credit Card

For People with
Good Credit

  • Annual Fee: $395
  • Interest Rate: 16.24% - 23.24% *Variable
Quick Card Facts
  • Earn 5 points for every $1 spent at Ritz-Carlton Hotels and partner hotels, including JW Marriott®, EDITION®, Autograph Collection® Hotels, Renaissance® Hotels and Marriott Hotels & Resorts®.
  • Earn 2 points for every $1 spent on airline tickets purchased directly with the airline, and at car rental agencies and restaurants.
  • Earn 1 point for every $1 spent on all other purchases
  • 10% Annual Points Premium on Ritz-Carlton Rewards points

The information for Ritz-Carlton Rewards Credit Card has been collected independently by Credit Card Insider. The card details on this page have not been reviewed or provided by the card issuer.

United Airlines Mileage Plus Club

This card is designed for people who frequently travel on United Airlines. There’s also a business version of the card.

It has a $450 annual fee, with benefits you’d expect, like United Club lounge access and the ability to check some bags for free. If you purchase United airfare frequently, you may be able to justify the annual fee, since it earns 1.5 United miles per dollar spent on all purchases and 2 miles on all purchases of United airfare.

United MileagePlus Club Card
Apply Now

United MileagePlus Club Card

For People with
Good Credit

  • Annual Fee: $450
  • Interest Rate: 16.24% - 23.24% *Variable
Quick Card Facts
  • Earn 2 miles for every $1 spent on United Airlines purchases
  • Earn 1.5 miles for every $1 spent on all other purchases
  • Miles never expire

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
Apply Now

U.S. Bank Altitude Reserve Visa Infinite® Card

For People with
Excellent Credit

  • Annual Fee: $400
  • Interest Rate: 16.49% Variable
Quick Card Facts
  • $325 annual travel credit
  • 3 points per dollar for travel and mobile wallet purchases
  • 1 point per dollar on all other purchases
  • 50,000 bonus points for spending $4,500 in the first 90 days of membership. That’s worth $750 in travel purchases.
  • Airport lounge access through Priority Pass Select
Was this helpful?

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.

  • kumar
  • John Rice

    Chase Private Client

  • gbcox

    You should probably remove the reference to the Capital One Venture card. It isn’t available for current cardholders – only for new accounts. Additionally, it’s not a permanent thing. It’s simply a trial promotion, that they may or may not decide to keep.

  • Eric Behrmann

    The Amazon card is no longer a metal card, I guess they changed their design.

    • John Ganotis

      Do you have the card? If you do, what specific kind of Amazon card do you have?

    • c_q

      Just received amazon rewards visa signature card from chase in mail, it says ‘contains metal DO NOT SHRED’ on the back, and weighs about 12.5g. Maybe other amazon cards are not the same. It looks similar to the picture above, but on the front the logo on top right is just ‘prime’ with smiley arrow underneath, it does not say amazon (though it does on the back).

    • Ted

      Just got my new amazonPrime VISA and it truly IS made of metal. Very cool!

      • Ted

        Actually, looking at the expired one…it is metal, too! I never even noticed it before.

  • Rick Van Frank

    Forgot the Citi Prestige.

    • John Ganotis

      Thanks for pointing that out! I’ve added it now.

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