Best Metal Credit Cards in 2024

Metal credit cards are all the rage these days. They’re durable, sleek, and even come with enhanced perks in some instances. If you’re a metal card aficionado, you might be wondering if there are any additional benefits to having one at your disposal. If you like the look and feel of metal, but prefer plastic ones when it comes to point accumulation and rewards, then these are no different. Customers can reap the benefits of unique styles while still enjoying the benefits of plastic ones. Read on to find out more about which are the best metal credit cards in 2024.

The Platinum Card® from American Express

For the ultimate premium metal credit card, don’t overlook the Platinum card from American Express. It’s one of the most coveted in the world for a number of reasons, including its exclusive benefits, high-end rewards program, and appealing design. Plus, it’s available to both members who qualify for membership in an American Express corporate program (such as employees of American Express-sponsored banks) and to nonmembers who meet certain income requirements.

Best for

The Platinum from American Express is for people who value luxury, style, and convenience. It is one of the best credit cards in Canada. It comes with a lot of benefits, including an upgraded membership at some luxury hotels, access to airport lounges worldwide, and more. It’s also a good option for people who want to earn big rewards on everyday purchases.

Card Highlights

As a credit card issuer, Amex will grant you Gold elite status, as well as access to over 1,000 airport lounges worldwide, including the prestigious Amex Centurion Lounges. A total of $1,500 in statement credits are given on a per-month or per-year basis. This metal Amex is a luxury defined for those seeking a VIP experience.

Weight: 17 grams – stainless steel metal
APR: Pay Over Time APR
Annual fee: $695
Bonuses / Rewards: Using American Express Travel to book prepaid hotels will earn you 5X points, up to $500,000 per calendar year, and earn 5X points on flights booked with airlines through American Express Travel.

Who Should Get It

One of the most popular metal credit cards in the world is the Platinum from American Express. While it isn’t for everyone, it can be a great way to make large eligible purchases if you meet its income requirements and can afford the card’s annual fee.

Pros and Cons

In addition to the discount on hotels and flights booked through American Express Travel, it offers multiple statement credits that offset the fee. Additionally, the metal credit card comes with invitations to airport lounges, high-end travel benefits, and Hilton and Marriott elite status. However, the hefty annual fee may make this option unaffordable for many consumers. For a premium metal credit card, the rewards rate outside of travel is below average. For shopping and entertainment and chasing ultimate rewards, customers will be better off with a prime rewards visa signature card.

What Documents Are Required

In order to apply for an American Express metal credit card, you need to provide the following documents:

Proof of Identity (i.e., a government-issued ID): Valid government-issued photo ID is required; this can be a driver’s license, passport, or other acceptable documentation.
Proof of address: Such as a utility bill. It’s important to note that this doesn’t have to be your current address – it can be a previous address/rental agreement if you have had the same address for the past two years.
Financial information: Such as bank account details or annual income

Conclusion

The Platinum from American Express is a premium metal credit card that provides exceptional travel benefits, a generous rewards program and access to select airport lounges, and more. It comes with a lot of benefits, including an upgraded membership at some prepaid hotels, access to over 1,000 airport lounges worldwide, access to over $1,500 in monthly or statement credits, and more. The Platinum metal credit card from American Express is for people who value luxury, style, and convenience.

Capital One Venture X Rewards Credit Card

The Capital One Venture rewards credit card is a metal credit card issued by Capital One. It is one of the top options on the market. It’s open to all US citizens and permanent residents who are at least 18 years of age and have a good payment history. It has an excellent rewards program that is backed by a strong and active Capital One rewards program. Entrepreneurs and small business owners who are looking for some extra cash will love this card.

Best for

The Capital One Venture Rewards metal credit card is ideal for the environmentally conscious who want the benefits of a metal credit card but want to keep their accounts small and manageable. Also, it’s great for those that want a straightforward rewards program (better than the Chase Sapphire Preferred card) with savings on travel purchases and access to useful travel insurance and discounts.

Card Highlights

Aside from no annual fee and no foreign transaction fees, Capital One Venture offers a credit line and a cash back program. It has a splendid feature that allows customers to earn three times their cash back in points on certain purchases. You can also earn one point for every dollar you spend.

Weight: 16 grams – made from 75% recycled materials and stainless steel veneer
APR: 19.99% – 26.99%
Annual fee: $95
Bonuses / Rewards: 2X miles every time you shop, 5X miles when you book through Capital One Travel, thousands of trip options at the best prices, 50,000 bonus miles after spending $4,000 in the first three months from account opening

Who Should Get It

A simple rewards structure with a generous list of valuable travel perks and protections makes this one a good choice if you want to save on travel purchases. As part of the annual fee, they offer comprehensive benefits like complimentary concierge assistance and a $100 credit for TSA PreCheck or Global Entry, as well as standard travel benefits.

Pros and Cons

The rewards rate is very strong, there is a $100 statement credit for Global Entry or TSA PreCheck, and there is no foreign transaction fee. Additionally, there is an auto rental collision damage waiver included. It is possible to redeem miles through partner transfers or to apply them towards future travel. However, purchases and transfers are not subject to an introductory APR. But customers who prefer to use points to pay for purchases will be better off with Chase Ultimate Rewards. But if you’re looking for shopping and entertainment, then an Amazon Prime Rewards Visa Signature would be a better fit.

What Documents Are Required

In order to apply for the Capital One metal credit card, you need to provide the following documents:

Proof of Identity (i.e., a government-issued ID): Valid government-issued photo ID is required; this can be a driver’s license, passport, or other acceptable documentation.
Proof of address: Such as a utility bill. It’s important to note that this doesn’t have to be your current address – it can be a previous address/rental agreement if you have had the same address for the past two years.
Financial information: Such as bank account details or annual income

The venture cash rewards credit card will also require you to take and pass a multipass background check as part of the application process. Capital One does not charge for this check. However, as with most metal credit cards, it may add another month or two to your credit application timeline.

Conclusion

There are a number of reasons to apply for the venture rewards credit card. The most compelling reason is the rewards program: on purchases made at most major retailers, you get a flat two cents back. That means two points per dollar spent, which can add up quickly. If you spend $2,000 in a year, that means you get $20 back. And there are plenty of ways to earn even more points: simply shop through the Capital One app, use the Capital One metal credit cards, and redeem points that you’ve been earning through the bonus program. There is actually a slight advantage to this card over the Chase Sapphire Preferred card. Capital One rewards are more attractive because they give 2 miles / $1 spent on all purchases, even when applicable local sales tax is factored in.

Delta SkyMiles® Platinum Business American Express Card

The Delta SkyMiles American Express Platinum Business is a metal credit card that’s been around since 2001. It has an annual fee of $450, but it comes with lots of benefits. One of the biggest ones is the Amex Platinum 100K bonus: If you spend $5,000 on purchases in the first three months of opening your account, you’ll earn 100,000 bonus points. You can transfer those points to a number of airlines and hotels or use them for statement credits and gift vouchers.

Best for

In addition to no foreign transaction fees on in-flight purchases, Delta flyers will receive priority boarding through this credit card issuer. As well as discounted entry to Delta Sky Clubs for $39, free first checked luggage, and up to $100 in credit for Global Entry and TSA PreCheck memberships.

Card Highlights

Another benefit is access to American Express’s Membership Rewards program. With Membership Rewards, you can earn points on all your purchases (including cash back!) and use them for statement credits and gift certificates, too. The platinum card from American Express also offers other perks, such as airport lounge access and purchase protection.

Weight: 15 grams – stainless steel
APR: 18.74%-27.74%
Annual fee: $250
Bonuses / Rewards: 3 miles per dollar for Delta purchases directly, 3 miles per dollar on hotel credit, 1.5 miles per dollar for eligible purchases of $5,000 or more three months from account opening, and up to 50,000 additional miles a year for all other eligible purchases

Who Should Get It

You could easily make up for the annual fee with the rewards and perks if you travel frequently for business and fly Delta. In addition, it gives you an edge when it comes to achieving elite status. You might want to consider a basic card member if you are not a Delta customer. Also, Chase Ultimate Rewards offers more cash back options than Delta.

Pros and Cons

A companion certificate is included for eligible flights, as well as no foreign transaction fee, the opportunity to earn bonus miles annually, and valuable Delta flight benefits. There may be taxes and fees involved. Due to the high standard APR and penalty APR, the base rewards rate is only 1 mile per $1 spent.

What Documents Are Required

In order to apply for this cash rewards credit card issuer, you need to provide the following documents:

Proof of Identity (i.e., a government-issued ID): Valid government-issued photo ID is required; this can be a driver’s license, passport, or other acceptable documentation.
Proof of address: Such as a utility bill. It’s important to note that this doesn’t have to be your current address – it can be a previous address/rental agreement if you have had the same address for the past two years.
Financial information: Such as bank account details or annual income

Delta SkyMiles Platinum Business American Express has a few requirements, but it’s not difficult to get approved. The most important thing is having an active business account at a Delta-branded metal credit card with a US-based billing address.

Conclusion

Flyers chasing Delta elite status will benefit greatly from the Delta SkyMiles® Platinum Business American Express. In order to justify the annual fee, you must gain enough value. If you like your usual spending style and travel goals, you should also consider other Delta products. Check out other airline flexible travel and metal credit cards if you’re not loyal to Delta Air Lines.

United Club℠ Infinite Metal Credit Card

The United Club Infinite is a metal credit card designed for frequent fliers. It gives you access to perks that are normally reserved for members of United’s airline-affiliated clubs, such as priority boarding and airport lounge access. There are also some hefty benefits. When you join, you get to enjoy all of the benefits of the United Club℠ program, which include priority boarding, elite status, and more. Plus, you’ll be able to earn points that can be redeemed for special offers and other rewards from United and its partners.

Best for

Getting a United ClubSM Infinite is a must for frequent United Airlines flyers: access to United Club airport lounges. Although, since United are transfer partners of Chase, long-term customers will prefer to collect Chase Ultimate Rewards points. There are some general travel options that have premium features and similar foreign transaction fees if United is not your go-to airline.

Card Highlights

United ClubSM Infinite members receive 80,000 bonus miles after spending $5,000 in the first 3 months from account opening. The United Airlines’ exclusive lounges are available to frequent flyers who want to escape the hustle and bustle of the airport terminal. Although Chase Ultimate rewards would give you more in the long run. You can access the United Club without a metal credit card, something no other cash rewards credit card offers.

Weight: 12 grams
APR: 18.74%-25.74%
Annual fee: $525
Bonuses / Rewards: Earn one mile for every dollar spent on eligible purchases, statement credits monthly, two miles for every dollar spent on travel and dining, four miles for United travel purchases.

Who Should Get It

For loyal United customers, the United Club Infinite is the best option. Keep it for at least the first year if you want to enjoy access to Star Alliance lounges and United Clubs, as well as book United award travel. Although Chase Ultimate Rewards provide higher booking points overall.

Pros and Cons

A United Club membership is worth more than the annual fee, and when you book your flight, you are entitled to free first and second checked bags, as well as lounge access. There are better options out there if you want to earn MileagePlus miles simply for everyday spending. Apart from the United-specific benefits, others offer many of the same benefits as United Club Infinite. An Amazon Prime Rewards Visa Signature card would be a better choice if you want to do some shopping and entertainment.

What Documents Are Required

In order to apply for the United Club℠ Infinite, you need to provide the following documents:

Proof of Identity (i.e. a government-issued ID): Valid government-issued photo ID is required; this can be a driver’s license, passport, or other acceptable documentation.
Proof of address: Such as a utility bill. It’s important to note that this doesn’t have to be your current address – it can be a previous address/rental agreement if you have had the same address for the past two years.
Financial information: Such as bank account details or annual income
Social security number
Mileageplus number (if you have it)

Conclusion

United Club Infinite can certainly help if you fly United frequently and want the best experience possible. With Platinum from American Express, you can splurge on your travels as well as take advantage of great benefits on a daily basis. Spending also earns a lot of extra bonus points.

Marriott Bonvoy Brilliant™ American Express® Card

The Marriott Bonvoy Brilliant is a must for anyone who stays at Marriott properties, as it gives you access to purchase rooms and earn Marriott Bonvoy points. It also comes with valuable benefits such as an elite status tier, which means you’ll receive free room upgrades, free personal concierge service, and more. To top it all off, there are no foreign transaction fees. Simply put: this is a one-stop shop for everything you need while staying at a Marriott property.

Best for

Whether or not you’ll use all the extras will determine how competitive it is with the benefits you prefer offered by other options. Marriott Bonvoy provides frequent travelers, members, and frequent spenders with a variety of luxurious benefits.

Card Highlights

As a frequent traveler who stays at Marriott, the comprehensive travel and consumer insurance policy, extensive benefits, Priority Pass membership, Platinum Elite status, and 25 elite nights make it far more valuable than its annual fee.

Weight: 15 grams
APR: 18.74%-27.74%

Annual fee: $650
Bonuses / Rewards: Earn 150,000 Marriott Bonvoy® bonus points in the first three months of account opening. For dining and flights booked directly with airlines, you will earn 3 points per dollar, and for Marriott Bonvoy hotels, you will earn 6 points per dollar.

Who Should Get It

You can offset the steep annual fee through its features, but only if you use them. The Marriott Bonvoy program is designed to benefit frequent travelers the most. Marriott Bonvoy guests should consider a general-purpose travel Amex or Marriott metal credit card with a lower annual fee if they aren’t dedicated Marriott Bonvoy members. Those who book travel online frequently, would fare better with Chase Ultimate Rewards compared to Amex.

Pros and Cons

Benefits include a Free Night Award each year after the renewal month (foreign transaction fees may apply), Bonvoy Elite Platinum status for free, higher earnings at hotel loyalty programs access, and 25 free nights a year. But for the spending requirement, the welcome offer and bonus potential are somewhat limited. And while loyal customers can offset the annual fee for a hotel rewards card, some users may find it too much for a branded one.

What Documents Are Required

The Marriott Bonvoy Brilliant™ American Express® is available to people who are aged between 18 and 35 years of age. You must hold a minimum of one Marriott Bonvoy from another financial institution to be eligible. As well as this, you will have to have at least $5,000 USD in your combined personal and business credit files. You will also need to supply the following information:

Proof of Identity (i.e., a government-issued ID): Valid government-issued photo ID is required; this can be a driver’s license, passport, or other acceptable documentation.
Proof of address: Such as a utility bill. It’s important to note that this doesn’t have to be your current address – it can be a previous address/rental agreement if you have had the same address for the past two years.
Financial information: Such as bank account details or annual income
Annual income details

Conclusion

The Marriott Bonvoy Brilliant™ American Express® Card is a must for anyone who stays at Marriott properties, as it gives you access to purchase rooms and earn Marriott Bonvoy points. As a customer, you’ll enjoy benefits such as elite status tiers, which include free room upgrades, concierge service, and more. To top it all off, the card has no foreign transaction fees.

Conclusion

The best metal credit cards usually have high-end features and a luxury aesthetic, usually made from stainless steel or aluminum. They offer customers benefits such as lost luggage insurance and rewards programs. They also are known for their metal construction, which is a selling point for many consumers. Remember that there are different metal credit cards, you can choose among best balance transfer cards, with no annual fee, etc. But just for those who love high-end restaurants and luxury clothing stores. They can be a great way to save money on big expenses if you use them wisely. Finding the best metal credit card is unique for every individual. Metal credit cards can offer cash back on qualified purchases, extended warranty coverage, or other benefits that would make it more affordable than a standard option.

Access Our Full Suite of Card Reviews

FAQ

What’s the heaviest credit card?

One of the heaviest is the J.P Morgan Reserve, weighing a whopping 27 grams, making it the heaviest of the bunch. Taking a step down from that, there is the Luxury Mastercard® Gold as well as the black, each weighing 22 grams.

What's the best metal credit card?

The answer depends on your unique situation. There are certainly some metal cards out there that work better than others. It all comes down to how much you spend and how well you manage your finances. But some of the best include, The Platinum from American Express, Delta SkyMiles Platinum Business, and the United Club Infinite.

When should I get a metal credit card?

If you’re planning to use a metal credit card for eligible purchases, then a metal card is probably the best choice. Metal cards are more secure and have a longer lifespan than plastic versions. Some people also prefer metal because they feel that plastic does not hold up well to frequent use.