Which Credit Cards Are Metal and What They Offer

A metal credit card distinguishes itself from traditional plastic cards primarily through its physical composition. Crafted from materials like stainless steel, titanium, or other metal alloys, these cards have a noticeable weight and a distinct tactile feel. This physical difference contributes to a perception of durability and luxury, setting them apart in the credit card market.

Prominent Metal Credit Cards

Several financial institutions offer metal credit cards, often aligning them with their higher-tier reward and travel programs. The Platinum Card® from American Express is a well-recognized metal card, associated with premium travel benefits and luxury services. The Chase Sapphire Reserve® and Chase Sapphire Preferred® Card are popular options for robust travel rewards programs. Capital One also provides metal card options, including the Capital One Venture X Rewards Credit Card (elevated travel rewards) and the Capital One Venture Rewards Credit Card (general travel rewards). The American Express® Gold Card, also metal, is favored for its rewards on dining and U.S. supermarket purchases. Other metal cards cater to specific interests, such as the Marriott Bonvoy Brilliant® American Express® Card for hotel loyalty and the Citi® / AAdvantage® Executive World Elite Mastercard® for airline benefits.

Common Features of Metal Credit Cards

Metal credit cards frequently come with a range of premium features. Many offer extensive travel perks, such as airport lounge access through networks like Priority Pass or exclusive issuer lounges. Cardholders may also receive annual travel credits that offset expenses like airline incidentals or hotel stays. These cards typically feature elevated rewards programs, allowing cardholders to earn higher points or cash back on specific spending categories, often including travel, dining, or everyday purchases. Another common benefit is concierge services, which can assist with tasks from booking reservations to arranging travel plans. However, these features often come with higher annual fees, which can range from under $100 to several hundred dollars annually.

Acquiring a Metal Credit Card

Obtaining a metal credit card typically involves meeting specific eligibility criteria, often more stringent than for standard plastic cards. A strong credit history is generally required, with most issuers looking for good to excellent credit scores (typically FICO 670 or above). A stable income that supports the card’s potential spending limits and fees is also a common consideration. The application process usually involves submitting an online application, where individuals provide personal and financial information. Financial institutions assess factors such as credit utilization, payment history, and debt-to-income ratio for approval. Some highly exclusive metal cards may be offered on an invitation-only basis to individuals who meet specific spending or asset thresholds. A rejected application can impact one’s credit score, so understanding eligibility requirements is prudent.