The Heaviest And Best Metal Credit Cards (April 2021)

The Heaviest And Best Metal Credit Cards (April 2021)

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.

Best metal credit cards 2021

Recommended cards
Best for
Composition
unavailable credit card
Amazon Prime Rewards Visa Signature Card$0 annual feeEncapsulated metalRead review
The Platinum Card® from American Express
The Platinum Card® from American ExpressLuxuryStainless steel
Apply Now
Chase Sapphire Reserve®
Chase Sapphire Reserve®TravelProprietary mix of metal
Apply Now
  • On Chase's Secure Website
unavailable credit card
The Business Platinum Card® from American ExpressBusinessStainless steelRead review
Capital One Venture Rewards Credit Card
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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src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,e_blur:1000,f_auto,h_1600,q_1,w_160\/v1\/unavailable-card-update_c5bzxf\" data-srcset=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_160\/v1\/unavailable-card-update_c5bzxf 1x, http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_160\/v1\/unavailable-card-update_c5bzxf 2x\"\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E","\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"The Business Platinum Card\u00ae from American Express\" href=\"#American\"\u003E\u003Cstrong\u003EThe Business Platinum Card\u00ae from American Express\u003C\/strong\u003E\u003C\/a\u003E\u003C\/span\u003E","Business","Stainless steel","\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root Button--root Button--tertiary\" title=\"Read review\" href=\"https:\/\/www.valuepenguin.com\/american-express-business-platinum-card\"\u003ERead review\u003C\/a\u003E\u003C\/span\u003E"],["\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-AffiliateImage\" data-component-name=\"AffiliateImage\"\u003E\n \u003Cdiv class=\"AffiliateImage--root AffiliateImage--align-left \"\u003E\u003Cdiv class=\"AffiliateImage--wrapper\"\u003E\u003Cimg alt=\"Capital One Venture Rewards Credit Card\" class=\"Image--root \" src=\"https:\/\/cdn.comparecards.com\/uploads\/images\/items\/4623.jpg\"\/\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"AffiliateImage\"\u003E{\"align\":\"\",\"className\":\"\",\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4623.jpg\",\"name\":\"Capital One Venture Rewards Credit 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name=\"lock\"\u003E\u003C\/span\u003E\u003C\/a\u003E\u003Cdiv class=\"DisclaimersList--root\"\u003E\u003Cul class=\"DisclaimersList--unordered-list\"\u003E\u003Cli class=\"DisclaimersList--list-item\"\u003EOn Capital One's Secure Website\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"AffiliateButton\"\u003E{\"category\":\"creditcards\",\"color\":\"primary\",\"context\":\" in context: Banner\",\"disclaimers\":[\"On Capital One's Secure Website\"],\"icon\":\"lock\",\"label\":\"Apply Now\",\"link\":\"\\\/credit-cards\\\/redirect\\\/88?url=_best-metal-credit-cards\",\"name\":\"Capital One Venture Rewards Credit Card\"}\u003C\/script\u003E\n\n\u003C\/div\u003E"]],"footnote":"","hasMarginBottom":true,"isExpandable":true,"isSortable":false,"maxWidth":"900","minWidth":"100%","showSearch":false,"sortColumnIndex":0,"sortDirection":"asc"}
Recommended cards
Amazon Prime Rewards Visa Signature CardRead review
The Platinum Card® from American Express
Apply Now
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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js-react-component-AffiliateButton\" data-component-name=\"AffiliateButton\"\u003E\n \u003Cdiv class=\"AffiliateButtonV2--root \"\u003E\u003Ca class=\"Link--root Button--root Button--primary Button--fluid \" href=\"\/credit-cards\/redirect\/54?url=_best-metal-credit-cards\" rel=\"nofollow\" target=\"_blank\" title=\"Apply Now\"\u003EApply Now\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--lock\" color=\"inherit\" name=\"lock\"\u003E\u003C\/span\u003E\u003C\/a\u003E\u003Cdiv class=\"DisclaimersList--root\"\u003E\u003Cul class=\"DisclaimersList--unordered-list\"\u003E\u003Cli class=\"DisclaimersList--list-item\"\u003E\u003Ca href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/platinum-charge-card\/26129-10-0\/?print#terms-details\"\u003ESee Rates & Fees.\u003C\/a\u003E Terms Apply.\u003C\/li\u003E\u003Cli class=\"DisclaimersList--list-item\"\u003EOn American Express' Secure 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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

Why trust us

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. Our recommendations are based on the value they provide for various categories of uses (including rewards categories, rewards rates and limited time offers), and are not influenced by our advertisers.

Best metal credit card with no annual fee

Amazon Prime Rewards Visa Signature Card

$100 Amazon Gift Card instantly upon approval

Our thoughts

As the only 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 at Amazon and Whole Foods Market with an eligible Prime membership*. 2% back at restaurants, gas stations, and drugstores*. 1% back on utilities, rideshare, and all 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

  • $0 Annual Fee
  • $100 Amazon Gift Card instantly upon approval
  • 5% back at Amazon and Whole Foods Market with an eligible Prime membership*. 2% back at restaurants, gas stations, and drugstores*. 1% back on utilities, rideshare, and all other purchases

Best metal credit card for luxury

The Platinum Card® from American Express

The Platinum Card® from American Express

$550

See Pay Over Time APR

Excellent/Good

  • Earn 75,000 Membership Rewards® Points after you spend $5,000 on purchases on your new Card in your first 6 months of Card Membership.
  • Earn 10x points on eligible purchases on your new Card at U.S. Gas Stations and U.S. Supermarkets, on up to $15,000 in combined purchases, during your first 6 months of Card Membership. That’s an additional 9 points on top of the 1 point you earn for these purchases.
  • 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 and Additional Centurion Cards only.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel. Starting January 1, 2021, earn 5X points on up to $500,000 on these purchases per calendar year.
  • 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • Enjoy complimentary 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 through American Express Travel with an average total value of $550 with Fine Hotels & Resorts® program at over 1,100 properties . Learn More.
  • Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. That’s up to $50 in statement credits semi-annually. Enrollment required.
  • $550 annual fee.
  • Terms Apply.

Earn 75,000 Membership Rewards® Points after you use your new Card to make $5,000 in purchases in your first 6 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 with American Express Travel. 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)
  • Uber VIP status and free rides of up to $15 each per month, along with a $20 bonus in December. That's up to $200 for Uber rides or eats orders annually.
  • 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 with American Express Travel.
  • 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®

Chase Sapphire Reserve®

  • On Chase's Secure Website

$550

16.99%-23.99% Variable

Excellent

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 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. Through December 31, 2021, gas station & grocery store purchases will also count towards earning your Travel Credit
  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants including eligible delivery services, takeout and dining out & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
  • With Pay Yourself BackSM, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more

Earn 60,000 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 June 2021). It awards a stellar 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants including eligible delivery services, takeout and dining out & 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 including eligible delivery services, takeout and dining out & 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 2021.
  • Airport lounge access via Priority Pass Select for you and your authorized users
  • Coronavirus updates. Until April 30, 2021, cardholders can use the "Pay Yourself Back" feature to get 1.5 cents per point redeemed for statement credits on grocery stores, home improvement, restaurant purchases or donations to eligible charities.

Best metal credit card for business

The Business Platinum Card® from American Express

Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Platinum Card within the 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
  • 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

Most eco-friendly metal credit card

Capital One Venture Rewards 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 $3,000 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—including flights, vacation rentals, car rentals and more. Plus transfer your miles to over 15+ travel loyalty programs
  • No foreign transaction fees

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 $3,000 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. It's also a good card to travel with, even abroad, as there is None 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
  • Up to $100 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

Chase Sapphire Preferred® Card

  • On Chase's Secure Website

$95

15.99% - 22.99% Variable

Excellent

  • Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 when you redeem through Chase Ultimate Rewards®. Plus earn up to $50 in statement credits towards grocery store purchases within your first year of account opening.
  • Earn 2X points on dining including eligible delivery services, takeout and dining out and travel. Plus, earn 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 80,000 points are worth $1,000 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.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.

Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 when you redeem through Chase Ultimate Rewards®. Plus earn a $50 statement credit towards grocery store purchases within your first year of account opening.

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 dining at restaurants including eligible delivery services, takeout and dining out and travel & 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 $600 (or more). That's enough value to pay for the card's fee over six times.

Card design

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

Highlights

  • $95 Annual fee
  • 2X points on dining at restaurants including eligible delivery services, takeout and dining out and travel & 1 point per dollar spent on all other purchases worldwide
  • Coronavirus updates. Until April 30, 2021, cardholders can use the "Pay Yourself Back" feature to get 1.25 cents per point redeemed for statement credits on grocery stores, home improvement, restaurant purchases or donations to eligible charities.

Citi Prestige® Credit Card

Earn 50,000 bonus points after spending $4,000 within three months of account opening.

Our thoughts

Not only does the Citi Prestige® Credit 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® Credit 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® Credit Card holders get up to a $250 travel credit every year, which can offset a large part of the card's annual fee.

Card design

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

Highlights

  • $495 annual fee
  • Earn 5x points at restaurants and for air travel purchases, 3x for hotel and cruise purchases, and 1x for 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 once you spend $3,000 on purchases within 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 and entertainment, 2% at grocery stores and 1% on all other purchases. 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."

The card also comes with a number of benefits that you'd expect from a card that has an annual fee ($95 in this case). For starters, the $300 sign-up bonus is on the generous side. Plus, there's 0% 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

  • Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases.
  • Access to cool culinary experiences, music festivals and more

American Express® Gold Card

American Express® Gold Card

$250

See Pay Over Time APR

Excellent/Good

  • Rose Gold is back. You can now choose between Gold or Rose Gold.
  • Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
  • Earn 4X Membership Rewards® Points on Restaurants worldwide, including takeout and delivery, plus, earn 4X points for Uber Eats purchases too.
  • Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • $120 Uber Cash: 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.
  • $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.

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

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 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.
  • Up to $120 dining credit annually at eligible dining partners which include Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed, and participating Shake Shack locations.
  • Up to $120 in Uber Cash credit for Uber rides or Uber Eats annually (up to $10 per month). Your American Express® Gold Card needs to be added to your Uber app in order to receive this monthly Uber Cash benefit.
  • Up to $100 hotel credit annually 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.

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.

Which credit cards are metal?

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
  • Citi Prestige® 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&reg

Do metal credit cards set off metal detectors?

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.

Which Chase credit card is metal?

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

Does USAA have a metal credit card?

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

Does Capital One have a metal credit card?

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

Does Bank of America have a metal credit card?

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

Does Discover have a metal credit card?

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

What are metal credit cards made of?

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.

Are metal credit cards secure?

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.

The information related to The Business Platinum Card® from American Express, Citi Prestige® Credit 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.

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).