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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. Looking at the list of best metal credit cards allows you to compare the highlights, pros and cons to find the best metal credit card option for you.

Compare the best metal credit cards of 2022

Card
Welcome Offer
Credit Needed
Annual Fee
Best overall
Capital One Venture X Rewards Credit Card
Capital One Venture X Rewards Credit Card
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel720 - 850$395
Apply Now
On Capital One's Secure Website
Travel
Chase Sapphire Preferred® Card
Chase Sapphire Preferred<sup>®</sup> Card
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.720 - 850$95
Apply Now
On Chase's Secure Website
Welcome offer
The Platinum Card® from American Express
The Platinum Card<sup>®</sup> from American Express
Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership. 660 - 850$695 See Rates & Fees.
Apply Now
See Rates & Fees. Terms Apply. On American Express' Secure Website
Compare all cards

Welcome Offer

Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.

Credit Score Needed

720 - 850
720 - 850

Annual Fee

$395
$95
Apply Now
On Capital One's Secure Website
Apply Now
On Chase's Secure Website

Best overall

Capital One Venture X Rewards Credit Card

On Capital One's Secure Website

Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel

$395

19.99% - 26.99% (Variable)

720 - 850

  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
  • Receive up to $300 back annually as statement credits for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,400+ lounges, including Capital One Lounges and our Partner Lounge Network
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs

  • Excellent welcome offer
  • Luxury benefits with a lower annual fee than other luxury cards
  • Annual travel credit and miles bonus
  • Annual fee is higher than some other cards ($395)
  • Limited bonus earning categories

The Capital One Venture X Rewards Credit Card is our choice for the overall best metal credit card due to its combination of an excellent welcome offer and outstanding luxury benefits at a lower annual fee ($395) than other similar luxury metal credit cards. You'll get a $300 travel credit and 10,000 bonus miles each year and a $100 Global Entry or TSA PreCheck credit. You'll also get complimentary Hertz President's Circle elite status and access to over 1,000 airport lounges. While there aren't many bonus earning categories for your spending, you will get 2 miles per $1 spent on all purchases, making the Capital One Venture X Rewards Credit Card a solid option for everyday spending.

The metal design of the Capital One Venture X Rewards Credit Card card makes a solid impression in the wallets of cardmembers.

Best travel card

Chase Sapphire Preferred® Card

On Chase's Secure Website

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.

$95

18.24% - 25.24% Variable

720 - 850

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
  • Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
  • With Pay Yourself BackSM, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.

  • Earns valuable points that are very flexible
  • Primary rental car insurance
  • $50 annual hotel credit
  • Lackluster 2x earning for travel purchases among similar products
  • Some benefits are temporary

If you're looking for a metal credit card without paying hundreds of dollars in annual fees, you might consider the Chase Sapphire Preferred® Card. With an annual fee of only $95, the card offers a bevvy of travel benefits, including a massive sign-up bonus and bonus points on dining and travel purchases (among other lucrative categories). You can get 25% more value when you redeem points for travel through Chase Ultimate Rewards®, or transfer them to Chase's hotel and airline travel partners.

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

Best for welcome offer

The Platinum Card® from American Express

See Rates & Fees. Terms Apply. On American Express' Secure Website

Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.

$695

See Pay Over Time APR

660 - 850

  • Earn 100,000 Membership Rewards® points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings, which requires a minimum two-night stay, through American Express Travel when you pay with your Platinum Card®. And if you fly, you can receive up to $200 in statement credits per calendar year after you select a qualifying airline and incidental fees are charged by the airline to your Platinum Card®.
  • $240 Digital Entertainment Credit: Get up to $20 back each month on eligible purchases made with your Platinum Card® on one or more of the following: Audible, Disney+, The Disney Bundle, ESPN+, Hulu, Peacock, SiriusXM, and The New York Times. Enrollment required.
  • $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax. Plus Ups are excluded.
  • American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. There are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
  • $300 Equinox Credit: Get up to $25 back each month on the Equinox+ digital fitness app, or eligible Equinox club memberships when you pay with your Platinum Card®. Enrollment required.
  • $189 CLEAR® Credit: Use your Card and get up to $189 back per year on your CLEAR® membership. CLEAR® is available at select airports and stadiums.
  • $695 annual fee.
  • Terms Apply.

  • Earns valuable transferable points
  • Uber VIP status and monthly credits
  • Luxury travel benefits including airport lounge access and hotel elite status
  • Large ($695) annual fee
  • Many credits may not be useful to most cardholders

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

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. While it comes with a $695 annual fee, it also offers an array of luxury benefits like few other credit cards. You'll get Gold elite status with both Hilton and Marriott (enrollment required), along with access to over 1,000 airport lounges worldwide including the outstanding Amex Centurion Lounges. You'll also have access to over $1,500 in monthly or annual credits. The Platinum Card® from American Express is truly a card for those seeking the VIP experience, and its shiny, metal appearance adds to its luxury card status.

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.

Note, unlike typical credit cards, the card allows you to carry a balance for certain charges, but not all.

Best for groceries and dining

American Express® Gold Card

See Rates & Fees. Terms Apply. On American Express' Secure Website

60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.

$250

18.99%-25.99% Variable

660 - 850

  • Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
  • Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® Points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® Points on flights booked directly with airlines or on amextravel.com.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • Updated $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
  • Choose the color that suits your style. Gold or Rose Gold.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.

  • High earning rate on dining and U.S. supermarkets
  • Earns valuable transferable points
  • Generous dining and Uber benefits
  • Welcome offer is decent, but not spectacular
  • Moderately high annual fee ($250)

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

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 a winner for earning strong rewards on everyday expenses. You'll Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and 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. Terms apply. There is a $250 annual fee, but like other higher-end cards, taking advantage of the benefits and statement credit opportunities will help you offset the fee.

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

Note, unlike typical credit cards, the card allows you to carry a balance for certain charges, but not all.

Best metal credit card with no annual fee

Amazon Prime Rewards Visa Signature Card

  • Unlimited 5% back on all Amazon.com purchases
  • $0 annual fee
  • Get an Amazon Gift Card instantly upon approval.
  • Requires Amazon Prime membership
  • Relatively low sign-up bonus

If you're looking for the best metal credit card with no annual fee, consider the Amazon Prime Rewards Visa Signature Card, especially if you are a frequent Amazon shopper. You'll get 5% back at Amazon.com and Whole Foods Market with an eligible Prime membership, 2% back at restaurants, gas stations and drugstores and 1% back on all other purchases. Keep in mind that, while the card itself has $0 annual fee, you will need to have an Amazon Prime membership (currently $139) in order to be approved for this card.

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.

Best metal card for businesses

The Business Platinum Card® from American Express

Generic art
Not available on ValuePenguin

Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.

$695

17.24% - 25.24% Variable

660 - 850

  • Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases.
  • Earn 1.5X points (that’s an extra half point per dollar) on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
  • Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for checked baggage fees, lounge day passes, and more at one selected airline.
  • $189 CLEAR® Credit: Use your Card and get up to $189 back per year on your CLEAR® membership. CLEAR® is available at more than 50 U.S. airports and stadiums.
  • The American Express Global Lounge Collection® can provide an escape at the airport. With more than 1,400 airport lounges across 140 countries and counting, you have more lounge location options than any other credit card on the market as of 9/2021.
  • $695 Annual Fee.
  • Terms Apply.

  • Earns valuable transferable points
  • 35% rebate on points used for flights (enrollment required)
  • Luxury travel benefits including airport lounge access
  • Large ($695) annual fee
  • Low rewards rate on everyday spending

If you are a business owner with sizable expenses — especially on travel — 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 of this card, though, is its array of benefits including statement credits on airline fees (enrollment required), Dell technology (enrollment required), shipping and wireless telephone service. And you'll also score luxury benefits like VIP treatment at American Express Global Lounge Collection locations. Taking advantage of such perks can help make the annual fee of $695 well worth it.

Like the consumer version of this card, The Business Platinum Card® from American Express version is also made with stainless steel.

Note, unlike typical credit cards, the card allows you to carry a balance for certain charges, but not all.

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.

Metal credit card FAQs

Here are the best metal cards according to ValuePenguin:

  • The Platinum Card® from American Express
  • The Business Platinum Card® from American Express
  • American Express® Gold Card
  • Capital One Venture Rewards Credit Card
  • Chase Sapphire Reserve®
  • Chase Sapphire Preferred® Card
  • Capital One Savor Cash Rewards Credit Card
  • Amazon Prime Rewards Visa Signature Card

These are some additional metal credit cards, including some very high-end exclusive picks, as well as airline and hotel branded cards:

  • J.P. Morgan Reserve Card
  • Centurion® Card from American Express
  • Mastercard® Gold Card™
  • Marriott Bonvoy Brilliant™ American Express® Card
  • IHG® Rewards Premier Credit Card
  • U.S. Bank Altitude Reserve
  • Ritz-Carlton Rewards Credit Card
  • United Club℠ Card
  • Delta SkyMiles® Reserve American Express Card
  • Delta SkyMiles® Platinum American Express Card

While the sensitivity of metal detectors varies, Capital One's metal credit card should not set off metal detectors, according to Meredith Reilly, senior communications manager for Capital One. However, the American Express public affairs says the best bet is to remove the cards from your pocket before you walk through and send the cards through the conveyor belt.

The Chase Sapphire Preferred® Card and the Chase Sapphire Reserve® Card are both made of metal.

USAA does not seem to offer a metal credit card at this time.

Capital One Venture Rewards Credit Card and Capital One Savor Cash Rewards Credit Card are both made of metal.

Bank of America does not seem to offer a metal credit card at this time.

Discover does not seem to offer a metal credit card at this time.

Each card issuer will have its own design formula for their metal credit cards. Some may contain stainless steel, brass, gold, an alloy mixture or a mix of metal and plastic.

Metal credit cards work the same way that plastic ones do. It's the chip-and-pin technology that really relates to a card's security, not the composition of the outer card material.

Recap of the best metal credit cards of 2022

Methodology

To make choosing the right card easier, we've looked at credit cards reviewed on ValuePenguin as well as cards on major issuer sites to compile a list of the best rewards credit cards available right now. Our recommendations are based on the additional value you can earn with the cards — including the rewards value, cost of ownership and value of benefits such as travel and purchase protections, lounge membership and airline companion passes. Our choices are not influenced by our advertisers. Learn more on how we calculate rewards.

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

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

The information related to Amazon Prime Rewards Visa Signature Card and The Business Platinum Card® from American Express has been independently collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication.

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.

Advertiser Disclosure: The products that appear on this site may be from companies from which ValuePenguin receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). ValuePenguin does not include all financial institutions or all products offered available in the marketplace.

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).