The Heaviest And Best Metal Credit Cards (2020)

The Heaviest And Best Metal Credit Cards (2020)

Metal credit cards not only come with added weight — they can also provide great rewards. Read on to learn about the flashiest metal credit cards currently available.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

Citi is an advertising partner

There is something sleek and stylish about carrying a metal credit card. While that feature in and of itself shouldn’t influence you to choose a particular card, there are several metal cards on the market that also happen to be terrific for earning rewards, travel benefits and other perks.

We looked at the top cards on ValuePenguin and on major issuer sites to find metal credit cards that provide the most value in different categories.

Best metal credit cards 2020

Recommended cardsBest forComposition
Wells Fargo Propel American Express® card
Wells Fargo Propel American Express® card$0 annual feeEncapsulated metalRead review
The Platinum Card® from American Express
The Platinum Card® from American ExpressLuxuryStainless steelRead review
Chase Sapphire Reserve®
Chase Sapphire Reserve®TravelProprietary mix of metal
The Business Platinum® Card from American Express
The Business Platinum Card® from American ExpressBusinessStainless steelRead review
Capital One® Venture® Rewards Credit CardEco-friendlyStainless steel veneer with 75% recycled materials
Apply Now
  • On Capital One's Secure Website
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Recommended cards
Wells Fargo Propel American Express® cardRead review
The Platinum Card® from American ExpressRead review
Chase Sapphire Reserve®
The Business Platinum Card® from American ExpressRead review
Capital One® Venture® Rewards Credit Card
Apply Now
  • On Capital One's Secure Website
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Other metal cards to consider | What is a metal credit card? | Pros and cons of metal cards | How to get a metal card | How to destroy a metal card | FAQs

Best metal credit card with no annual fee

Wells Fargo Propel American Express® card

Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value

Our thoughts

The Wells Fargo Propel American Express® card has quickly become the best metal credit card that doesn't charge an annual fee. That's mainly due to its impressive 3X rewards rate on travel, dining and streaming services. As a point of comparison, most no-annual-fee cards have rewards rates that hover between 1% and 2%. We're also impressed by the broadness of the 3X rewards rate categories. With the Wells Fargo Propel American Express® card, you'll Earn 3X points on eating out, ordering in and popular streaming services, 3X points on gas stations, rideshares and transit, and 3X points on travel including flights, hotels, homestays and car rentals. Earn 1X points on other purchases. Most other cards are far more restrictive in their bonus point categories.

The card’s welcome offer, currently valued at $200, is on the higher side for no-annual-fee cards as well. Cards in this category usually offer $150 or less. Simply put, the Wells Fargo Propel American Express® card is not only one of the best metal cards, but it's one of the top $0-annual-fee cards. But hey – the metal construction makes it even more appealing.

Card design

The Wells Fargo Propel card is made of encapsulated metal, according to a company press release.

Highlights

  • $0 annual fee
  • introductory APR on purchases 0% for 12 months and 0% for 12 months on qualifying balance transfers (14.49% to 24.99% (Variable) thereafter)
  • Earn 3X points on eating out, ordering in and popular streaming services, 3X points on gas stations, rideshares and transit, and 3X points on travel including flights, hotels, homestays and car rentals. Earn 1X points on other purchases.

Best metal credit card for luxury

Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.

Our thoughts

Perhaps one of the more iconic metal cards, The Platinum Card® from American Express is our top pick for people who value luxury in their products. To start, The Platinum Card® from American Express offers cardholders access to the Amex Centurion Lounges, which are commonly referred to as the best airport lounges of any kind. You’ll also earn 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5X Membership Rewards® points on prepaid hotels booked on amextravel.com. All in all, it’s a card for those seeking the VIP experience, and its shiny, metal appearance adds to its luxury card status.

Card design

The Platinum Card® from American Express is made from a combination of materials that includes stainless steel metal and has a heavier weight than the American Express® Gold Card, according to a company spokesperson.

Highlights

  • $550 annual fee (See Rates & Fees)
  • Up to $200 airline fee credit
  • Uber VIP status and free rides of up to $15 each per month, along with a $20 bonus in December.
  • Get $100 credit on qualifying charges when you book The Hotel Collection at americanexpress.com/hc
  • 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5X Membership Rewards® points on prepaid hotels booked on amextravel.com.
  • Up to $20 per month on select U.S. streaming subscriptions
  • Up to $20 per month on wireless phone service charges made directly with wireless telephone service providers
  • Terms apply

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

Best metal credit card for travel

Chase Sapphire Reserve®

  • On Chase's Secure Website

$550

16.99%-23.99% Variable

Excellent

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year
  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees.
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select
  • Up to $100 application fee credit for Global Entry or TSA Pre✓®
  • One Year Complimentary Lyft Pink ($199 minimum value). Complimentary DashPass subscription from DoorDash after activating by 12/31/21.
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Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®.

Our thoughts

The Chase Sapphire Reserve® is our top pick for a metal credit card for travelers. The card offers a generous $300 travel credit (which also currently qualifies toward gas station and grocery store purchases through the end of 2020). It awards a stellar 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. In addition, for a limited time, cardholders earn 5X on gas, 5X on qualifying Instacart deliveries and pickups and 10X on select streaming subscriptions.

Another reason this card is a great choice for travelers is that it allows you to transfer the Ultimate Rewards points you earn to several hotel and airline loyalty programs on a 1:1 basis. That includes Marriott Bonvoy, Southwest Rapid Rewards, United's MileagePlus and others.

Finally, when you have a Chase Sapphire Reserve® card, Ultimate Rewards points are worth 50% more when you redeem them for statement credits against purchases in certain categories. While it’s usually just for travel, Chase has expanded the categories to include grocery stores, dining, home improvement stores and select charitable organizations for a limited time.

The Chase Sapphire Reserve® does have a sizable $550 annual fee, but if you take advantage of the $300 travel credit every year, your annual fee is effectively $250, which you can easily outearn if you cash in on the other benefits. Still, if you'd prefer a lower annual fee but are enamored with the idea of having a metal card, consider the Chase Sapphire Preferred® Card (see below).

Card design

The Chase Sapphire Reserve® is made with a proprietary mix of metal, according to a company spokesperson.

Highlights

  • $550 annual fee
  • $300 annual travel credit
  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. For a limited time, cardholders earn 5X on gas, 5x on qualifying Instacart deliveries and pick-ups, and 10X on select streaming subscriptions
  • For a limited time, earn up to $50 in statement credits toward a yearly or monthly Instacart Express membership.
  • Earn $60 in statement credits for DoorDash through 2020 and again in 2021.
  • Airport lounge access via Priority Pass Select for you and your authorized users

Best metal credit card for business

The Business Platinum Card® from American Express

Earn 75,000 Membership Rewards® points after you spend $15,000 on qualifying purchases within your first 3 months of Card Membership.

Our thoughts

For businesses with sizable expenses – especially on travel – the The Business Platinum Card® from American Express is an eye-catching addition to your wallet. Besides the generous welcome offer, cardmembers earn 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com. Get 50% more Membership Rewards® points. That's an extra half point per dollar, on each eligible purchase of $5,000 or more. The real attraction to this card, though, is its array of benefits including statement credits on airline fees, Dell technology, shipping and wireless telephone service. Plus, cardmembers can enjoy the VIP treatment at American Express Global Lounge Collection locations. Taking advantage of such perks can help make the annual fee of $595 well worth it.

Card design

Like the consumer Platinum Card, the Business version is also made with stainless steel.

Highlights

  • $595 annual fee
  • Note that this is a charge card, meaning the bill must be paid in full each month.
  • Up to $100 in statement credits from July to December 2020 when added to the existing Shop Dell with Business Platinum benefit (up to $200 total).
  • For a limited time, get up to $20 per month in statement credits on U.S. purchases for shipping, as well as $20 per month in statement credits on wireless phone services purchased directly from U.S. service providers.
  • If you book flights on a designated airline with American Express Travel using Membership Rewards Pay with Points, you’ll get 35% of those points back.
  • Choose an airline, and earn up to $200 in statement credits per calendar year on incidental fees like checked bags and in-flight purchases.
  • Access to the American Express Global Lounge Collection®
  • Terms apply

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

Most eco-friendly metal credit card

Capital One® Venture® Rewards Credit Card

  • On Capital One's Secure Website

$95

17.24% - 24.49% (Variable)

Excellent/Good

  • Earn 100,000 bonus miles when you spend $20,000 on purchases in the first 12 months from account opening, or still earn 50,000 miles if you spend $3000 on purchases in the first 3 months
  • Earn unlimited 2X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Redeem on travel—from vacation rentals to car rentals and more. Plus transfer your miles to over 10+ travel loyalty programs
  • No foreign transaction fees
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Earn 100,000 bonus miles when you spend $20,000 on purchases in the first 12 months from account opening, or still earn 50,000 miles if you spend $3000 on purchases in the first 3 months.

Our thoughts

Though the Capital One® Venture® Rewards Credit Card does have an annual fee of $95, it’s not going to cost you hundreds, making it an affordable choice for metal card seekers. The most appealing feature is the unlimited 2 Miles per dollar on every purchase, every day. For a limited time, you’ll also get 5X miles on UberEats purchases. It’s also a good card to travel with, even abroad, as there is no foreign transaction fee, and you get up to a $100 credit for Global Entry or TSA Precheck. Plus, you have the option to transfer your miles to one of the 10+ travel loyalty programs that partners with Capital One.

Card design

According to a company spokesperson, the front half of the card is made of stainless steel veneer and is produced with 75% recycled materials. The back half of the card has a layer of plastic.

Highlights

  • $95 annual fee
  • 2 Miles per dollar on every purchase, every day, and there are no limits on how many you can earn
  • 5X points on UberEats (for a limited time)
  • Credit for Global Entry or TSA Pre-]check
  • Can transfer your points with 10+ travel loyalty programs

Other metal cards to consider

Chase Sapphire Preferred® Card

  • On Chase's Secure Website
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Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®.

Our thoughts

The Chase Sapphire Preferred® Card is made of the same sleek metal as the Chase Sapphire Reserve®, and it's a strong alternative for those who would prefer a smaller annual fee of $95. The card awards 2X points on travel and dining at restaurants, eligible delivery services, takeout and dining out & 1 point per dollar spent on all other purchases worldwide. While users usually get 25% more value when they redeem their points for travel through Chase Ultimate Rewards, that offer also applies to grocery stores, dining, home improvement stores and select charities for a limited time. Provided you meet the card's spending requirements, you'll receive a bonus that can be worth as much as $1,000 (or more). That's enough value to pay for the card's fee over six times.

Card design

Like it’s higher-tier counterpart, the Chase Sapphire Preferred® Card is also made of a proprietary mix of metal.

Highlights

  • $95 Annual fee
  • 2X points on travel and dining at restaurants, eligible delivery services, takeout and dining out & 1 point per dollar spent on all other purchases worldwide.

Citi Prestige® Card

Citi Prestige® Card
This product is not available through ValuePenguin.
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Earn 50,000 bonus points after making $4,000 in purchases with your card within the first 3 months of account opening.

Our thoughts

Not only does the Citi Prestige® Card feel like a premium card, but it performs like one mainly due to its complementary fourth-night perk. The benefit allows you to get a fourth night at any hotel for free, provided you stay for four or more consecutive nights and pay for the reservation using your Citi Prestige® Card. There are a few more restrictions, but it's worth jumping through the hoops considering you can use the benefit twice a year. While some of the top hotel cards offer the benefit of a free hotel night, it's usually limited to a single night per year and often comes with a spending requirement. Citi Prestige® Card holders get up to a $250 travel credit every year, which can offset a large part of the card's annual fee. Through December 2020, supermarket and restaurant purchases will count toward the credit.

Card design

The card is made of metal alloy, according to a company spokesperson.

Highlights

  • $495 annual fee
  • Get 5 points per dollar spent on dining and air travel, 3 points per dollar spent on hotels, 3 points per dollar spent on cruises and 1 point per dollar spent on all other purchases.
  • Complimentary fourth night at any hotel of your choice after a minimum booking of four consecutive nights through ThankYou.com (Limit two nights per year)
  • Access to VIP lounges through Priority Pass™ Select
  • Global Entry or TSA PreCheck Application Fee Credit every five years

Capital One® Savor® Cash Rewards Credit Card

Earn a one-time $300 cash bonus after you spend $3000 on purchases within the first 3 months from account opening.

Our thoughts

The Capital One® Savor® Cash Rewards Credit Card is the quintessential pick for foodies who want to earn rewards for dining out. Cardholders earn unlimited 4% Cash Back on dining; 4% Cash Back on entertainment; 2% Cash Back at grocery stores; 1% Cash Back on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through Jan 2022. It’s just about the best earnings rate you’ll find for restaurant spending, and, unlike many competitors, this bonus rate applies to purchases like amusement parks, zoos, tourist attractions and sporting event tickets – all of which count as “entertainment.”

For a limited time, users will also earn 5% cash back on Uber Eats purchases, a nod to the fact that dining out options are limited.

The card also comes with a number of benefits that you’d expect from a card that has an annual fee ($0 intro for first year; $95 after that in this case). For starters, the $300 sign-up bonus is on the generous side. Plus, there’s no foreign transaction fees, access to exclusive events and travel insurance and services.

Card Design

Like the Capital One® Venture® Rewards Credit Card, the Savor is also comprised of stainless steel veneer on the front half of the card, using 75% recycled materials. The back half of the card has a layer of plastic.

Highlights

  • 4% Cash Back on dining; 4% Cash Back on entertainment; 2% Cash Back at grocery stores; 1% Cash Back on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through Jan 2022.
  • Access to cool culinary experiences, music festivals and more

American Express® Gold Card

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Earn 35,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 3 months.

Our thoughts

If ever there was a card that looked prestigious, it’s the American Express® Gold Card. Beyond its gold color and hefty feel, this metal card is still a winner for earning strong rewards everyday expenses. Cardmembers Earn 4X Membership Rewards® Points on Restaurants worldwide, including takeout and delivery. Additionally, earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X), and 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com. There is a $250 annual fee, but like other higher-end cards, taking advantage of the benefits and statement credit opportunities will help you outearn the fee. As a charge card, you are responsible for paying the full balance each month.

Card design

The American Express® Gold Card is constructed with a mix of materials that includes stainless steel, just like the Platinum Card. The difference is that the Gold Card is slightly lighter and features its signature gold color.

Highlights

  • $250 annual fee
  • Earn 4X Membership Rewards® Points on Restaurants worldwide, including takeout and delivery. Additionally, earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X), and 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • Select one qualifying airline to receive $100 in statement credits per calendar year on fees like checked bags.
  • $100 hotel credit when booking a stay with a property in The Hotel Collection for two consecutive nights or more.
  • Terms apply

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

Amazon Prime Rewards Visa Signature Card

Amazon Prime Rewards Visa Signature Card
This product is not available through ValuePenguin.
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Upon card approval, get an automatic $70 Amazon gift card.

Our thoughts

As the second no-fee metal card on the list, the Amazon Prime Rewards Visa Signature Card is worth a look – if you are an avid Amazon shopper. Cardholders get 5% back on Amazon.com and Whole Foods purchases; 2% back on restaurants, gas stations and drugstores; and 1% back on other purchases. However, since you can only redeem your points toward Amazon purchases, there is less redemption flexibility than you’ll get from other rewards cards.

Card design

Similar to the other metal credit cards issued by Chase, The Amazon Prime Rewards Visa Signature Card is made of a proprietary mix of metal.

Highlights

  • No Annual Fee
  • Get a $70 Amazon Gift Card instantly upon credit card approval
  • 5% back on Amazon.com and Whole Foods purchases; 2% back on restaurants, gas and drugstores; 1% back on other purchases.

What is a metal credit card?

A metal credit card is made of materials that contain some amount of metal. They are heavier, and are considered sleek and prestigious because they stand out from the majority of cards that are made of plastic.

Pros and cons of metal credit cards

Metal cards are a bit heavier, and much harder to bend or break. From a status symbol standpoint, they are usually considered more upscale since most metal cards are focused on higher-end cardholders. On the con side, disposing of a metal credit card is a bit more complicated since they can’t simply be cut up or shredded like a plastic one.

How to get a metal credit card

If you desire a metal credit card, you should treat the process of choosing one the same way you would any other financial product.

  • Look at the spending categories. First, browse metal cards to see what’s available and get a quick sense of which ones might match your spending style.
  • Make sure you can qualify. Then, consider your own credit status, such as your current credit score and income, to determine if you have a chance to qualify for your card of interest. In many cases, metal credit cards tend to require strong credit since they often have an annual fee or require a higher level of spending to access the benefits.
  • Read the terms and conditions. Once you deem a particular card a good fit for you, give a closer look at the terms, benefits and fees to make sure you’re ready to apply. Then, simply head to the issuer’s application page and fill out the form to get started. You may also choose to apply from an application that is mailed to you, or by calling the issuer.

How to destroy a metal credit card

The back of a metal credit card will usually say “do not shred.” You also can’t cut it yourself with scissors. Issuers know this, and that’s why they will usually offer the option for you to send or drop off the card to them to be destroyed.

“When a cardmember receives a new or a replacement card, they will also receive a pre-addressed envelope to send their closed or expired card back to us for proper and safe disposal,” said Ashley Dodd, a Chase spokesperson . She also says cardmembers can call the number on the back of their card to request an envelope, or they can bring their card into a branch for proper and safe disposal.

American Express offers a sustainable “Take Back” program for all of its cards, including the metal ones. It also provides a return envelope when replacement metal cards are issued, or customers can request one any time. “Cards being returned are collected and securely shredded, and then a third party processes those into refined raw materials, which are then used to produce new post-consumable goods,” confirmed a media relations spokesperson from American Express.

Capital One also recommends mailing the card back to be destroyed.

The information related to The Business Platinum Card® from American Express, Capital One® Venture® Rewards Credit Card, Citi Prestige® Card, Capital One® Savor® Cash Rewards Credit Card and Amazon Prime Rewards Visa Signature Card has been independently collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply to American Express credit card offers. See americanexpress.com for more information.

Dawn Papandrea is a writer specializing in personal finance topics including credit cards, family finances and consumer issues. Her work has appeared on a number of financial websites including LendingTree, ValuePenguin, MagnifyMoney, CreditCards.com, BankRate.com, U.S. News & World Report, as well as publications including Family Circle. Dawn has a master’s degree in journalism from New York University. Follow her on Twitter: @dawnpapandrea.

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

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How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125).