The Best Metal Credit Cards

The Best Metal Credit Cards

Credit cards have become a ubiquitous financial tool in the modern world, and the type of credit card you have can often say a lot about your lifestyle, preferences, and purchasing habits. While some people prefer a no-frills, basic credit card, others love going all out with a premium card that adds extra exclusivity and clout to their wallet. One of the latest trends in the credit card industry is the emergence of metal credit cards, which are made of durable and heavy metal material that provides a distinct and luxurious feel. If you’re interested in owning a metal credit card, here are some of the best options available on the market today.

1. Chase Sapphire Reserve

The Chase Sapphire Reserve is a popular and highly-regarded metal credit card that comes with a host of impressive benefits. First, there’s the massive 50,000-point welcome bonus, which is worth up to $750 in travel rewards. Cardholders also earn 3x points on dining and travel purchases, as well as 1x points on all other purchases. The card also features a $300 annual travel credit, which can be used to cover everything from airfare to hotel stays and car rentals. Other perks include airport lounge access, no foreign transaction fees, and exclusive events and experiences.

2. American Express Platinum

Another top metal credit card is the American Express Platinum, which is known for its generous rewards program and extensive travel benefits. New cardholders can earn up to 75,000 Membership Rewards points in the first six months, and earn 5x Membership Rewards points on flights booked directly with airlines or through American Express Travel. The card also offers 5x points on prepaid hotels booked through American Express Travel, as well as 1x points on all other eligible purchases. In addition to rewards, the American Express Platinum also provides cardholders with plenty of travel-related perks, including airport lounge access, hotel upgrades, and a $200 annual airline fee credit.

3. Mastercard Black Card

The Mastercard Black Card is a metal credit card that is designed to provide luxury experiences and exclusive benefits to its members. With a $495 annual fee, this card isn’t cheap, but it offers plenty of value for those who are willing to pay for it. Cardholders can earn 1.5% cash back on every purchase, and can redeem their rewards for airfare, merchandise, and other items. The card also comes with a host of travel benefits, including airport lounge access, a $100 credit towards Global Entry or TSA Precheck, and a 24/7 luxury travel concierge service.

Frequently Asked Questions About Metal Credit Cards

1. What are metal credit cards made of?

Metal credit cards are typically made of materials like stainless steel, titanium, or aluminum. These materials provide a heavier and more durable feel compared to traditional plastic credit cards.

2. Are metal credit cards more secure than plastic credit cards?

While metal credit cards may feel more secure, they aren’t necessarily any safer than plastic credit cards in terms of fraud or identity theft. Both types of credit cards are protected by federal law, and are subject to the same credit card security standards.

3. How much do metal credit cards typically cost?

The cost of metal credit cards varies widely depending on the card’s benefits, rewards program, and exclusivity. Some metal credit cards, like the Chase Sapphire Reserve, have an annual fee of $550, while others may have an even higher fee.

4. What are some of the benefits of owning a metal credit card?

Metal credit cards typically come with a range of benefits, including rewards programs, travel benefits, concierge services, and exclusive events and experiences. They can also provide a sense of exclusivity and status for cardholders.

5. Can you request a metal credit card from your bank?

Some banks and credit card issuers may offer metal credit cards as an option, but it’s not always possible to request one. Metal credit cards are often only available to cardholders who meet certain eligibility requirements, such as a high credit score or a certain spending threshold.

6. Are there any downsides to owning a metal credit card?

One potential downside to owning a metal credit card is that they can be heavier and bulkier than traditional plastic cards, which may be inconvenient for some users. They may also come with higher annual fees and stricter eligibility requirements.

7. How do metal credit cards compare to other premium credit cards?

Metal credit cards are just one type of premium credit card, and they can vary widely in terms of benefits, rewards, and pricing. Other premium credit cards may offer similar benefits and exclusivity, but may not be made of metal material.

8. Do metal credit cards require any special care or maintenance?

Metal credit cards don’t require any special care or maintenance, but they may require more effort to keep clean and free of stains or scratches. Some cards may come with a protective sleeve or case that can help prevent damage.

9. How can you qualify for a metal credit card?

Qualifying for a metal credit card typically requires a high credit score, a substantial income, and a solid credit history. Some metal credit cards may also require a certain level of spending or a specific type of lifestyle or occupation.

10. Can metal credit cards be used anywhere?

Metal credit cards can typically be used anywhere that accepts credit cards, including at merchants that require chip-and-pin technology. However, some merchants may be reluctant to accept a metal credit card due to concerns about damage to their point-of-sale terminals.

11. Do metal credit cards come with higher credit limits?

Metal credit cards may come with higher credit limits than traditional credit cards, but this isn’t always the case. Credit limits are typically determined by a range of factors, such as the cardholder’s income, credit score, and spending habits.

12. Are metal credit cards eco-friendly?

Metal credit cards are not typically considered to be eco-friendly, as they require more resources and energy to manufacture than plastic credit cards. However, some metal credit cards may be recyclable or made with sustainable materials, so it’s worth checking with the issuer to find out more.