Who Offers Metal Credit Cards & How Do You Get One?
Your comprehensive guide to metal credit cards. Find out who offers them, their common features, and how to apply.
Metal credit cards are a distinctive category, immediately recognizable by their physical attributes. Unlike traditional plastic cards, these are crafted from various metals, giving them a noticeable heft and a unique sound. This material difference often conveys a sense of durability and a premium feel. The increasing presence of metal credit cards reflects a growing consumer interest in products that offer both practical utility and sophistication.
Major Issuers of Metal Credit Cards
Many prominent financial institutions now offer metal credit cards, catering to consumers seeking a more substantial card experience. American Express, for instance, provides several well-known metal card options often associated with travel and premium rewards. Chase also features metal cards as part of their higher-tier offerings, frequently geared towards travel and dining benefits. Capital One includes metal cards within their suite of travel-focused products.
U.S. Bank also issues metal credit cards, some of which focus on cash back rewards alongside travel benefits. Citi offers metal cards, particularly within their co-branded airline programs, providing a tangible representation of elevated card status. Specialized providers like Barclays’ Luxury Card line also offer full-metal options, emphasizing exclusivity and a comprehensive suite of services. These examples illustrate that metal credit cards are available from many recognized banks, each offering different types of rewards.
Common Features of Metal Credit Cards
Beyond their distinctive material, metal credit cards typically come with a range of enhanced features and services. The tactile experience of a metal card, characterized by its increased weight and solid feel, is a primary draw. This physical attribute often signals a premium product, designed to stand out from standard plastic cards.
These cards frequently include extensive travel rewards, such as opportunities to earn elevated points or miles on travel-related expenditures. Many also offer access to airport lounges, providing a more comfortable pre-flight experience. Cardholders often receive lifestyle perks, which can range from dining credits and entertainment access to exclusive event invitations. Premium services, such as dedicated concierge assistance, are also commonly provided.
Obtaining a Metal Credit Card
Acquiring a metal credit card generally involves a standard application process, though eligibility criteria are more stringent due to their premium nature. Applicants usually need to demonstrate a strong credit history, often falling within the excellent credit range. Issuers may also consider an applicant’s income and financial stability to ensure they can manage the card’s credit limit and any associated annual fees.
The application can typically be completed online through the card issuer’s website, requiring personal details such as name, address, date of birth, and employment status. Income verification is a standard requirement. After submission, the issuer reviews the application, and a decision is often provided quickly. Upon approval, the physical metal card is mailed to the cardholder.