Which Credit Cards Are Metal? A List of Top Options

Metal credit cards are physical payment cards distinguished by their composition, primarily featuring materials such as stainless steel, titanium, or other metal alloys. This construction provides a noticeable weight and tactile difference compared to traditional plastic cards, contributing to a perception of durability and premium quality. Issuers often associate these cards with enhanced benefits and exclusive offerings, setting them apart in the financial landscape.

Identifying Metal Credit Cards

A variety of prominent metal credit cards are available from major issuers, each catering to different consumer needs. The Platinum Card from American Express is a well-known example, made of metal and typically categorized as a premium travel card. Another widely recognized option is the Chase Sapphire Reserve, a travel-focused rewards card that incorporates a blend of plastic and metal materials. The Chase Sapphire Preferred Card also features a metal design, often considered a strong contender for those seeking an entry-level premium travel card.

Other prominent metal cards include:
Capital One Venture X Rewards Credit Card and Capital One Venture Rewards Credit Card, both from Capital One’s travel rewards portfolio.
Apple Card, issued by Goldman Sachs.
American Express Gold Card.
U.S. Bank Altitude Reserve Visa Infinite Card.
Citi / AAdvantage Executive World Elite Mastercard.

Acquiring a Metal Credit Card

Obtaining a metal credit card involves a standard application process, though eligibility requirements can be more stringent. Applicants provide personal information: legal name, mailing address, date of birth, and Social Security number. Employment status and annual income are also required to assess an applicant’s ability to manage new debt.

A strong credit history and a high credit score are necessary for approval, especially for premium metal cards. While a basic card might require a score in the mid-600s, many rewards-focused metal cards require scores of 740 or higher. Some issuers may also consider factors like debt-to-income ratio. Applications can be submitted online through the issuer’s website, which provides a quicker response than mail-in applications. Check your credit score and understand the card’s terms before applying to improve approval chances.

Practical Considerations for Metal Cards

The physical attributes of metal credit cards present unique considerations. Their increased weight provides a substantial feel compared to lighter plastic cards. This heft contributes to a perception of quality and exclusivity.

Despite their robust construction, metal cards function similarly to plastic cards for transactions, supporting swiping, chip insertion, and tap-to-pay. However, their rigidity and weight can cause issues with some automated machines, which may struggle to process or return the card. For disposal, metal cards cannot be cut with scissors or put through paper shredders, as this can cause damage. Most card issuers offer programs for recycling or safe disposal, such as providing a prepaid envelope or allowing drop-offs at bank branches.