What Is a Metal Credit Card and How Do You Get One?

Metal credit cards are payment cards crafted from various metals instead of traditional plastic. They are known for their distinct feel and appearance, setting them apart. Their popularity stems from enhanced durability and a premium user experience, distinguishing them from plastic alternatives.

Physical Attributes and Craftsmanship

Metal cards are composed of materials like stainless steel, titanium, palladium, or copper alloys, with compositions varying by issuer. This metallic construction makes them noticeably heavier than plastic cards, offering a premium tactile experience. Their increased density often results in a distinct “thud” or “clink” sound.

The inherent properties of these metals contribute to greater durability, making the cards resistant to bending, cracking, and wear common to plastic cards. This robustness means they maintain their condition longer, reducing the need for frequent replacements. Beyond strength, metal cards feature sleek finishes, minimalist designs, and precision etching for cardholder details. This craftsmanship enhances their aesthetic appeal.

Manufacturing metal cards involves specialized techniques to integrate electronic components into the metal body. This includes laser cutting and engraving, and embedding EMV chips, magnetic stripes, and contactless payment technology. Electroplating, polishing, and anodizing may be used for specific colors, textures, and protective finishes, ensuring functionality and visual appeal.

Beyond Aesthetics: Associated Offerings

While their metallic composition provides a unique physical presence, metal cards are almost exclusively linked with premium credit card products. The material serves as a tangible indicator of a higher-tier financial product, signaling enhanced benefits and services. These offerings are a core component of the associated credit card program, not a direct result of the card’s material.

These premium credit card programs often include extensive travel rewards, such as airline miles or hotel points, and airport lounge access. Many also provide dedicated concierge services for requests like booking travel or securing event tickets. Additional perks include comprehensive travel insurance, purchase protection, and access to exclusive experiences.

The value of these associated offerings stems from the credit card product’s terms and conditions, rather than the card’s physical form. The metal card acts as a premium identifier for these programs, which often come with higher annual fees to support the benefits provided. Consumers should evaluate whether the benefits align with their spending habits and lifestyle to justify any associated costs.

How Metal Cards are Issued

Metal credit cards are primarily issued by major banks and financial institutions as part of their exclusive or premium credit card portfolios. They are not available for basic checking accounts or entry-level credit products. These cards are designed for individuals who meet specific financial criteria.

Obtaining a metal card requires applying for a specific credit card product known to issue metal cards. Applicants often need excellent credit scores and may need to meet income thresholds to qualify. Some exclusive metal cards are available by invitation only, or may require significant spending thresholds on existing accounts.

While third-party services offer to convert an existing plastic card into a metal one, direct issuance of a metal card is tied to approval for a premium credit product. Annual fees for these cards can range from a few hundred dollars to several hundred dollars, reflecting enhanced benefits and the card’s prestige. Availability and specific requirements vary by issuer and the particular card product.