10 Best Metal Credit Cards You Must Know About in 2024 Key Points
Metal cards are durable and usually require a score higher than 630 to qualify. How to find the best metal credit card? Compare APR. Check annual maintenance fees. Look for rewards and cash back programs. Who should get metal cards? People with high FICO score. Who can pay bills in full every month Who wishes to stand out and make an impression. Do people admire your elegance when you walk into a room? When you possess charisma and confidence, then why shouldn’t your credit card speak the same language? If yes, you should get a metal credit card.
Plastic cards are for the masses, but if you like flashy things and are willing to pay a premium, Metal credit cards are specially designed for you. Moreover, having a metal business card would surely be great for your image in the corporate world. But remember, though these cards offer exclusive benefits, they require a significantly good CIBIL score to qualify.
If you’re interested in getting one, read on to learn about the best metal credit cards, their features, pricing, and much more.
Ultimate List of Best Metal Credit Cards in 2024 Metal credit cards are more expensive than other credit cards on the market; only a very small number of people can afford them, despite their stylish and attractive appearance.
However, if you are willing to pay the price to obtain the “status symbol,” please see our list. We did our research and sorted out the best metal credit cards offering great benefits.
Weight: 13 grams Chase Metal card is a Visa network card offering premium facilities to cardholders. This one’s ideal for people looking for a travel card without spending hefty money on its maintenance. It has a minimum limit of $5,000, which can be pushed up to $100,000 depending on the credit history. Moreover, it offers seamless concierge and credit card cancellation services.
Features: Earn 5X points on travel bookings, 3X points on dining, grocery purchases, and streaming services , and 1X points on all other purchases. $50 credit for hotel bookings . Customers get car rental insurance . You can also contact the team for roadside assistance . DoorDash DoorPass membership for 12 months and Instacart+ membership for 6 months. Pros: Cons: No foreign transaction fee. High APR. Reward points that can be redeemed. Does not give a significant bonus other than travel. Cashback and credits on travel bookings. High credit score requirement.
Regular APR: 21.49% to 28.49% variable
Credit Score Required: 690 or higher
Annual Fees: $95
Rating: ⭐⭐⭐⭐⭐
Weight: 15 grams As a charge card with no pre-established spending limit, the all-new American Express Metal card gives you more purchasing power and the freedom to use your benefits however you see fit. It has a stylish look and screams “class.” Moreover, it is lightweight and easy to carry around.
Features: This card does not have any pre-set limit , and it can be increased according to repayments. Access to all airport lounges . Complimentary services at Shangri-La Golden Circle, Hilton Honors, Marriott Bonvoy, and Taj Inner Circle . Cardholders get travel and lifestyle concierge services . Exclusive invites to the Amex parties . Pros: Cons: Elite benefits are to be utilized at hotels. Very high fees. Complimentary concierge service. High credit score requirement. No pre-set limit.
Regular APR: Pay overtime APR
Credit Score Required: 700
Annual Fees: $695
Rating: ⭐⭐⭐⭐ Checkout – Amex concierge vs. Chase concierge: Which is the better option?
Weight: 17 grams Making its debut in the world of high-end travel rewards cards, the Capital One Venture X Rewards Credit Card is an outstanding choice. For travelers who want to travel in style or on a tighter budget, the card is practically a no-brainer thanks to its affordable annual fee and a plethora of easily understandable benefits.
Features: 75,000 bonus miles are awarded upon signing up after you make $4,000 in purchases within the first three months.Earn $300 in credits every year for reservations made with Capital One Travel. Free entry to Capital One Lounges and lounges in Capital One’s partner network for cardholders and up to two visitors each visitAccess to both the lower-tier Lifestyle Collection and the higher-tier Capital One Premier Collection , which includes complimentary breakfast, on-property credits, and room upgrades (if available). Pros: Cons: A combination of bonus categories and worthwhile rewards. High credit requirement. Adds value of $400 annually. Benefits cannot be maximized for the non-travelers. $100 in annual credits for dining out, spa treatments, and other activities. Very high annual fee.
Regular APR: 19.99% to 29.99% (variable)
Credit Score Required: At least 700
Annual Fees: $395
Rating: ⭐⭐⭐⭐⭐
Weight: 12 grams Chase’s premium United co-branded personal card is called the United Club Infinite Card. Benefits include free first and second-checked bags on flights, access to Club and Star Alliance Lounges, and up to a $100 Global Entry, TSA PreCheck, or NEXUS fee credit.
The United Club Infinite Card offers various travel insurance and purchase protections, in addition to priority access to travel services and a 25% discount on in-flight purchases.
Features: Qualification for IHG One Rewards Platinum Elite status. Credit of up to $100 for NEXUS, TSA PreCheck, or Global Entry fees. When using your card, get 25% off United in-flight purchases as well as premium drinks in United Clubs . Travel insurance covers things like delays, cancellations, and misplaced luggage.Protections for purchases, returns, and warranties . Get four miles for every dollar spent on United, two miles on other travel, four miles for dining, including delivery services, and one mile for other purchases. Pros: Cons: No charges for overseas transactions High annual fee. Membership in the United Club is worth more than the yearly cost. No intro APR offers When you use your card to pay for your flight, your first and second checked bags are free. High APR
Regular APR: 21.99% – 28.99%
Credit Score Required: 630 and above
Annual Fees: $525
Rating: ⭐⭐⭐⭐
Weight: 12 grams The Prime Signature Visa is supported by Chase Bank, a JPMorgan Chase subsidiary that manages all revolving credit services and issues, and it can be used anywhere Visa is accepted.
It provides rewards on regular purchases and 5% cash back on all purchases made on Amazon, at Whole Foods stores, and Amazon Fresh. You can even use the card to pay for Amazon digital charges .
Features: 5% (or 3% for non-Prime members who qualify for the Visa Rewards Card) on every purchase made at Fresh Market, Whole Foods, and Amazon.2% at eateries, pharmacies, and gas stations 1% off of every other purchase.Access to the Luxury Hotel Collection and concierge services . Make a payment with your card to get up to $500,000 in accidental death or dismemberment coverage . Having access to a Benefits Administrator for emergency medical and legal referrals, as well as other travel and assistance needs . Pros: Cons: Get a bonus on an Amazon gift card without having to spend any money. Not valid on non-US Amazon websites. No charges for overseas transactions Depending on your creditworthiness, your APR may be high. Constant 5% off at Whole Foods and Amazon with Visa Signature benefits Other cards may offer greater rewards than Amazon Family Spending.
Regular APR: 19.24% – 27.24%
Credit Score Required: 670 and above
Annual Fees: No Annual Fee till you have $139/year Amazon Prime membership
Rating: ⭐⭐⭐⭐⭐ Also Read: Pay Your Amazon Credit Card Bill with These Uncomplicated Methods
Weight: 15-18 grams Cred AI
The Unicorn card has a spending and withdrawal limit to prevent overdrafts. Moreover, these are the heaviest credit cards with the most stylish appearance.
The company reports to the major credit bureaus and provides credit utilization rates to its customers.
Features: You can access your paychecks and other future deposits up to two days early with it, and you can link your direct deposit to your Cred.ai account. Before paying any restaurant bills or other charges, you can check the status of your payments. You have the option to approve or reject transactions with the merchant. This method is most effective for difficult-to-cancel subscriptions. Aids in defending the transaction against a layer of protection . Furthermore, it automatically recognizes bothersome payment requests. The business also offers a Stealth card that can be used on dubious websites and applications , complete with a functional credit card number and CSV code, in addition to the metal card. Pros: Cons: No annual fees. Does not offer cash back on transactions. Does not have any credit score requirements to apply. No interest on the funds in your checking or savings account. Credit building with no hard credit pull or record check. Does not have any reward programs.
Regular APR: 17.76%
Credit Score Required: No credit criteria
Annual Fees: $0
Rating: ⭐⭐⭐⭐⭐
Weight: 8 grams Citibank offers a super premium travel and lifestyle credit card called the Citi Prestige Credit Card. We still primarily view it as a travel credit card aimed at high-net-worth frequent flyers, even though it does offer very good reward rates on retail purchases.
The travel benefits offered by the Citi Prestige credit card are simply unmatched. These benefits range from a complimentary extra night stay at any hotel worldwide to a welcome gift from the TAJ group and ITC hotels.
Features: The cardholder will receive three ThankYou Points for every US dollar spent in a foreign currency. Once the cardholder pays the entire annual membership fee, they will receive 10,000 ThankYou Points as an anniversary bonus . Terms and conditions are relevant. Members of the Citi Prestige Credit Card have access to a concierge team , comprised of individuals with the means and expertise to curate a multitude of unique lifestyle experiences for them all over the world. Every month, cardholders are eligible for up to four buy-one, get-one free movie tickets. You can take advantage of the offer all week long. Pros: Cons: 3X points are awarded for booking hotels and cruise lines; 5X points are awarded for dining out and airfare; 1X points are awarded for all other purchases. ThankYou points have a maximum value of one cent each unless they are transferred to a travel companion. When you reserve four nights in a row or more at any hotel using Citi ThankYou, the fourth night is free. Fewer protections and benefits for travelers than other cards at a comparable price. Customers get a $100 application fee credit for Global Entry to TSA PreCheck. No balance transfer or introduction purchase APR. VIP airport lounge access with Priority Pass Select.
Regular APR: 16.99% – 23.99%
Credit Score Required: 740 – 850
Annual Fees: $495
Rating: ⭐⭐⭐⭐
Weight: 16 grams Offering nearly jaw-dropping rewards in popular spending categories, these Synchrony Bank-issued Verizon Visa metal business credit cards
have no annual fee. These include 2% cash back on Verizon purchases, 3% on restaurant purchases, and 4% on gas and grocery store purchases.
Features: After spending $1,000 within the first ninety days of opening a Verizon Visa Card account, you will receive a $100 credit applied to your credit card bill. When you use the card everywhere, you can earn Verizon dollars . Get paid 4% for every dollar you spend on gas and groceries , 3% for meals, 2% for Verizon purchases , and 1% for everything else.New Verizon Auto Pay customers can receive up to $10 monthly off of each qualifying account or line, with a maximum of 10 lines available on some plans. Offers a user-friendly Verizon credit card login platform. Pros: Cons: Unlimited benefits across several daily expenditure categories. Verizon Dollars are only valid within the Verizon ecosystem. You can use rewards to pay for gift cards, travel, a new phone, and your Verizon bill. If you don’t use your card or don’t use the rewards, they expire after 24 months. There are monthly bill discounts available to cardholders. Insurance for cell phones is not included.
Regular APR: 26.99% – 30.99%
Credit Score Required: More than 630
Annual Fees: $0
Rating: ⭐⭐⭐⭐
Weight: 16 grams For the right person, the U.S. Bank Altitude Reserve Visa Infinite Card is a great value, even though it may not be as well-known as other premium travel rewards cards.
The card comes with a $400 annual fee, but in return, it offers a ton of benefits, such as a sizable welcome bonus and a ton of luxury travel benefits. These benefits include four free trips to Priority Pass lounges, TSA Precheck, or reimbursement of the Global Entry application fee.
Features: 5 points are awarded for every $1 spent on directly booked, pre-paid hotel and car rentals through the Altitude Rewards Center.3 points for every $1 spent on travel-related purchases and mobile wallet transactions using Samsung Pay, Google Pay, and Apple Pay.$1 worth of points for every additional eligible purchase.Pros: Cons: A bonus of 50% of points when using them for travel. There are no alternatives for transferring points. An annual travel credit of up to $325. Free lounge access is only available for eight visits annually. No restrictions on the number of points earned. High yearly cost.
Regular APR: 22.24% – 29.24% variable
Credit Score Required: Above 630
Annual Fees: $400
Rating: ⭐⭐⭐⭐⭐
Weight: 15 grams Those who visit major cities in the US, Canada, Asia, and Europe for business or pleasure can make accommodations through the Marriott Bonvoy program. When you stay with one of the more than 30 affiliated brands, you will accrue rewards points as a program participant.
Features: Get a Free Night reward every year following the month of your card renewal. Receive statement credits for qualified purchases worth up to $300 (or up to $25 per month) each calendar year. Earn 6X points for money spent in hotels. 3X points on flights reserved directly with airlines and at restaurants across the globe. 2X points for any additional qualified purchases.After spending $6,000 with the new card during the first six months of membership , you will receive 95,000 Marriott Bonvoy bonus points. Pros: Cons: Over 7,000 hotels have signed up to participate. It is not possible to use Suite Night Awards to pay for a stay partially. Properties can be found in cities, beaches, small towns, and more in more than 130 countries. High-end hotel rooms are very expensive in points. Rewards can be applied to travel, hotels, flights, car rentals, cruises, and packages for a vacation.
Regular APR: 20.99%-29.99%
Credit Score Required: 690-850
Annual Fees: $650
Rating: ⭐⭐⭐⭐⭐ So these are the 10 best metal credit cards that you must put your hands on. Moving ahead, let’s see who should use these kinds of cards.
Who Should Get Metal Credit Cards? Metal credit cards are not for everyone, and not every person can procure and handle the expenses. So, we have outlined who should and can obtain the best metal cards.
Big spenders with high reward potential: The majority of metal credit cards have generous reward programs and a plethora of benefits, making them ideal for high earners who make most of their annual purchases with credit cards.Anyone who wishes to make an impression on others: If you need to make an impression on peers, coworkers, or even your boss, having metal credit cards can help you look sophisticated and established. Individuals with outstanding credit: Good or exceptional credit is a prerequisite for all the metal credit cards that made our list. For those who are still attempting to raise their credit score and establish credit, you might have to work your way up to a metal credit card.People who can settle their debt in full each month: The majority of metal cards, in actuality, have a high variable annual percentage rate (APR) for purchases, which makes them a bad choice if you occasionally need to carry a balance. So if you are someone who clears the bill every month, the metal card can be a good option for you.Now that we know this, let’s go ahead and see how to apply for the card in the next section.
How to Apply for Metal Credit Card? The first thing you need to do is check your CIBIL score and if it is not up to the eligibility criteria, take steps to shore up your credit score .
When you have a good to excellent score, follow the steps below to apply for the card:
Check out all the credit cards and finalize the one you want to apply for. Go to the official site of the issuer and search for the application form. Contact the team to know about the features. Read all the documents carefully and know about the terms and conditions. Fill out the form by giving all the details and submit it. Wait for some time, you’ll receive an official mail regarding your acceptance. That’s all, after a few days you’ll receive your brand-new card.
How to Find the Right Metal Credit Card for You? With several cards available in the market with multiple perks and benefits, it gets quite confusing and difficult to select the one that is best for you. But to make it easier, we have written some of the points that you must check to compare each one. Here are the points:
Avoid credit cards that offer few features at high rates. You can select cards with competitive annual percentage rates (APRs) and low or no fees. Selecting cards with a rewards program is the best. However, confirm that these rewards are helpful to you and have a high redemption rate. Seek out credit cards that don’t have any unexpected fees or extremely high late fees. It might be possible for you to save a few extra bucks if you search for cards that offer cashback and welcome bonuses. So, you must consider these points while searching for the best metal credit card. That being said, please pay your credit bills in full every month to avoid difficult circumstances. We hope this article helps you make the right decisions. Also, be mindful of your credit utilization ratio.
Read Next: 10 Must-Have Credit Cards for Fair Credit Scores
Frequently Asked Questions Ans: Yes, you can get a gold or platinum metal card from Amex.
Ans: Yes, the card has several travel benefits and allows cardholders to earn reward points.
Ans: American Express, Chase Sapphire, Prime Visa, and many more cards are made out of metal.
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