Metal credit cards function the same as their plastic counterpart. You can swipe a metallic card at a point of sale terminal or, if it is RFID-enabled or chip-enabled, it is possible to insert or tap it to make a payment.
Furthermore, cardholders with an actual metal credit card but prefer to use digital wallets can use their metal digital credit card just like other credit cards that are in the digital wallet. When you want to use a credit or debit card, just move your device towards the reader on your card to start the transaction.
One of the main differences between metal credit cards, however, is the type of material the actual card is constructed of. They are typically made of a kind of durable, hard metal.
Why Metal Credit Cards Are Popular
Since AmEx introduced its Metal Centurion Card, the metal cards have been a symbol of class and luxury. This trend in premium metal cards was made mainstream when Chase launched the metallic Sapphire Reserve credit card in the year 2016.
The heavy material of metal credit cards provides an in-hand feeling that some cardholders like. Credit cards made of metal are typically associated with status as an elite. Some find that the benefit of having a card that feels special and looks great could be appealing.
Differences Between Metal and Plastic Credit Cards
Although metal credit cards have gained popularity in the marketplace but traditional plastic credit cards are still widely accessible. Here are the major differences between a plastic versus a metal card:
Metal credit cards
- Made from various metals
- Weighs more (10.5 grams or more)
- Certain areas have a higher bar of access
- Durable and long-lasting
- You may need to return the package to the issuer to ensure secure disposal
Plastic credit cards
- Usually, PVC plastic is used.
- Weighs less (approximately 5g)
- They are more easily available to consumers.
- Less durable
- Can be disposed of using readily available tools
Also read: Top 10 Rewards Debit Cards
How to Get a Metal Credit Card
Numerous card companies offer credit card products that can issue a metallic card, provided you are eligible. One good credit card tip to choose the correct card, whether it’s a metal or not — is to evaluate the different options, including annual charges and reward programs, sign-up bonuses, rewards, minimum spending requirements, and other benefits offered by the card.
Here are a few examples of how to obtain metal credit cards and the specific product name(s):
- Amazon: Amazon Prime Visa Card
- American Express: Gold Card, Platinum Card, Centurion Card
- Apple: Apple Card
- Capital One: Savor, Venture X
- Chase: Sapphire Preferred, Sapphire Reserve
- Citi: Citi / AAdvantage Executive World Elite MasterCard
- HSBC: Elite Credit Card
- JP Morgan: Reserve Credit Card
- MasterCard: Gold Card, Titanium Card, Black Card
- U.S. Bank: Altitude Reserve Visa Infinite Card
There are also different credit card options, like travel rewards cards that have metal-based versions.
4 Best Metal Credit Cards
Discover the best metal credit cards offering premium rewards, exclusive travel perks, and luxury benefits. Compare top metal cards to find the perfect fit for your lifestyle and spending needs.
1. Capital One Venture Rewards Credit Card
The Capital One Venture Rewards Credit Card is one of our choices as the top global traveling credit card. It comes with a lower annual cost in comparison to many metal credit cards, and has travel benefits that are exceptional compared to other credit cards with an annual fee of $95.
Pros
- Annual fee of $95 on the low end
- Receive a great welcome offer
- Global Entry and TSA PreCheck(r) credit
- Average earning rate for regular travel expenditure
Cons
- The highest rate of earning for travel only applies to booking through Capital One Travel
- Lacks an annual travel credit and anniversary bonus points
2. The Business Platinum Card® from American Express
The Business Platinum Card(r) from American Express offers a blend of business and travel advantages that stand out from other metal cards available on the market. It offers one of the largest welcome packages for business owners, along with advantages that make flying comfortable and luxurious.
Pros
- High welcome offer
- Access to more than 1,400 lounges in airports across the globe.
- CLEAR Plus credit is a yearly membership to airport convenience (enrollment is required)
Cons
- High annual fee of $695.
- Earn just 1.5 points per $1 for bonus categories for business
3. Prime Visa
Prime Visa Prime Visa is one of only two metal cards we’ve reviewed that have no annual fees It’s an ideal choice for price-conscious online customers. The cash you earn through shopping using this Prime Visa is easy to use and can be exchanged as soon as the next business day, which is not possible with other metal cards.
Pros
- A high cash-back rate for earning at Amazon.com
- $0 annual fee, unique among metal cards
- Amazon gift card on approval
Cons
- Must have an Amazon Prime membership
- You must choose between promotional or reward APR
4. Bilt World Elite Mastercard
It is the Bilt World Elite Mastercard(r) is our top choice as the best annual charge steel credit card. Many metal cards charge excessive annual fees; however it is the Bilt World Elite Mastercard(r) has a low annual cost while also helping you build credit on your biggest cost of rent. Cardholders can earn points at higher opportunities from the beginning of every month.
Pros
- 0 annual fees
- The points are boosted on certain purchases on the 1st day of each month.
- Credit building by paying rent
- Cell phone protection
Cons
- No sign-up bonus
- Few travel perks or protections
Also read: 5 Important Things to Know About the Ulta Credit Card
Factors to Consider Before Getting a Metal Credit Card
Flashing a metal credit card might be an ego boos,t but those bells and whistles associated with the top-quality metal cards can also cost you. At all times, the materials don’t impact the nature of what a credit card is and what it does for you.
In general, credit card companies will offer the metal credit card as one of their top-quality products, which cost hefty annual fees. For instance, to get the privilege of having the sexy metal card, you could be required to pay an annual fee of up to $95, with some cards charging up to a $550 annual fee, or more.
If it’s within your budget, consider taking a review of the advantages and rewards the metal card can provide, as compared with the non-metal card. The card you choose will meet your requirements regardless of whether you prefer the highest reward categories within your most frequent spending categories, or for specific protections and benefits for travel.
Additionally, think about the fact the fact that getting rid of your metal card requires some extra effort than a typical plastic card. When you shut down your account or get a replacement card for the expired card, it’s usually necessary to return the old metal card to the card issuer to be disposed of. They’ll provide you with a special envelope for that, but this is an extra step that’s not available for plastic cards.
Pros and Cons Of Metal Credit Cards
Pros of Metal Credit Cards
- Sleek style
- Less prone to damage
- Typically offers premium card benefits
- Associated with luxury
Cons of Metal Credit Cards
- Slightly bulkier/heavier in wallet
- May need to mail in for disposal
- Typically has a high annual fee
- Novelty is fading
How to Return and Dispose of a Metal Credit Card
If the metal credit card has reached its credit card expire date, it won’t be capable of destroying it with an ordinary pair of scissors, nor will you be able to place it into a shredder that can typically handle credit cards.
To return and dispose of a metal credit card
- Send it back to the card issuer via mail. The issuer will supply you with a prepaid mail envelope.
- Return to the local branch. If your issuer is located in a brick and mortar facility, it may be capable of disposing of it, or sending it to the right department.
The Takeaway
We looked at metal credit cards and came up with our choices based on a number of aspects that include annual fees, annual bonuses, Rewards points, and welcoming bonuses and APRs. We also examined additional benefits that are offered by cards, which include credit for hotel stays, flights, and much more.
While many metal credit cards offer great advantages, our selections offered lower annual costs than many metal credit cards or advantages that made the higher annual fees worthwhile.
FAQs about Metal Credit Cards
Are metal credit cards safe?
Yes, credit cards made of metal are secure to use. They come with similar security options as their counterparts in the form of plastic credit cards. The primary distinction is that the metal used in credit cards is more robust.
Can I request a metal credit card?
The majority of the time, the metal credit card isn't a feature that you can select, however, some issuers might permit you to select between metal or plastic. However, these credit cards are usually used for specific credit card types that you can apply to.
How to dispose of your metal credit card?
Several issuers offer the option to mail your paperwork to be destroyed. You might want to call your issuer for more information.
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