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BEST OVERALL
Bankrate score
Rating: 4.8 stars out of 5
4.8
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Bankrate review
Bankrate score
Rating: 4.8 stars out of 5
4.8
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Bankrate review
Recommended credit score: 670 - 850
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
chance of approval
on Chase's secure site
Intro offer
Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.
$1,500 value
We calculate this number by multiplying the card's intro offer by Bankrate's valuation of this issuer's rewards program, showing you how much your points or miles are worth in dollars.
Rewards rate
5x on travel purchased through Chase Travel℠. 3x on dining, select streaming services and online groceries. 2x on all other travel purchases. 1x on all other purchases.
1x - 5x
Annual fee
Regular APR
BEST FOR BIG SPENDERS
Bankrate score
Rating: 4.8 stars out of 5
4.8
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Bankrate review
Bankrate score
Rating: 4.8 stars out of 5
4.8
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Bankrate review
Recommended credit score: 670 - 850
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
chance of approval
on American Express's secure site
See Rates & Fees, Terms Apply
Intro offer
Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
$1,600 value
We calculate this number by multiplying the card's intro offer by Bankrate's valuation of this issuer's rewards program, showing you how much your points or miles are worth in dollars.
Rewards rate
Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year. Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
5X - 5X
Annual fee
APR
BEST FOR FOODIES
Bankrate score
Rating: 5 stars out of 5
5.0
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Bankrate review
Bankrate score
Rating: 5 stars out of 5
5.0
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Bankrate review
Recommended credit score: 670 - 850
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
chance of approval
on American Express's secure site
See Rates & Fees, Terms Apply
Intro offer
Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
$1,200 value
We calculate this number by multiplying the card's intro offer by Bankrate's valuation of this issuer's rewards program, showing you how much your points or miles are worth in dollars.
Rewards rate
Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
3X - 4X
Annual fee
APR
Best for renters
Bankrate score
Rating: 4 stars out of 5
4.0
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Bankrate review
Bankrate score
Rating: 4 stars out of 5
4.0
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Bankrate review
Recommended credit score: 670 - 850
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
on Wells Fargo's secure site
Intro offer
Intro offer is not available for this Wells Fargo credit card.
N/A
Rewards rate
3x points on dining 2x points on travel 1x points on other purchases Earn up to 1x points on rent payments without the transaction fee, up to 100,000 points each calendar year. When you make at least 5 posted transactions in a statement period using your Bilt Mastercard, you'll earn points on rent and qualifying net purchases.
1X Points - 3X Points
Annual fee
Regular APR
Best for frequent travelers
Bankrate score
Rating: 5 stars out of 5
5.0
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Bankrate review
Bankrate score
Rating: 5 stars out of 5
5.0
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Bankrate review
Recommended credit score: 740 - 850
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
chance of approval
on Chase's secure site
Intro offer
Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠.
$1,500 value
We calculate this number by multiplying the card's intro offer by Bankrate's valuation of this issuer's rewards program, showing you how much your points or miles are worth in dollars.
Rewards rate
Earn 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠. Earn 5x total points on flights through Chase Travel℠. Earn 3x points on other travel and dining. Earn 1 point per $1 spent on all other purchases.
1x - 10x
Annual fee
Regular APR
BEST FOR MARRIOTT LOYALISTS
Bankrate score
Rating: 4.3 stars out of 5
4.3
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Bankrate review
Bankrate score
Rating: 4.3 stars out of 5
4.3
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Bankrate review
Recommended credit score: 670 - 850
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
on American Express's secure site
See Rates & Fees, Terms Apply
Intro offer
Earn 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.
$665 value
We calculate this number by multiplying the card's intro offer by Bankrate's valuation of this issuer's rewards program, showing you how much your points or miles are worth in dollars.
Rewards rate
Earn 6X Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy® 3X points at restaurants worldwide and on flights booked directly with airlines 2X points on all other eligible purchases
2X - 6X
Annual fee
APR
BEST FOR BUDGET-CONSCIOUS TRAVELERS
Bankrate score
Rating: 4.9 stars out of 5
4.9
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Bankrate review
Bankrate score
Rating: 4.9 stars out of 5
4.9
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Bankrate review
Recommended credit score: 670 - 850
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
on Capital One's secure site
Intro offer
New Venture cardholders can earn 75,000 miles once they spend $4,000 on purchases within 3 months from account opening
$1,275 value
We calculate this number by multiplying the card's intro offer by Bankrate's valuation of this issuer's rewards program, showing you how much your points or miles are worth in dollars.
Rewards rate
5 Miles per dollar on hotels and rental cars booked through Capital One Travel 2 Miles per dollar on every purchase, every day
2 Miles - 5 Miles
Annual fee
Regular APR
Compare Bankrate’s top metal credit cards
| Card name | Rewards rate | Bankrate review score |
|---|---|---|
| 5X points on travel purchases made through Chase TravelSM 3X points on dining 2X points on all other travel purchases. | 4.8 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. (Read card review) on Chase's secure site |
| 5X Membership Rewards points for prepaid hotels and flights when you book with American Express Travel or an airline directly (up to $500,000 spent in a calendar year). | 4.8 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. (Read card review) on American Express's secure site See Rates & Fees, Terms Apply |
| 4X Membership Rewards points at restaurants, including takeout and delivery in the U.S., and at U.S. supermarkets (up to $25,000 in purchases per year. then earn 1X points) 3X Membership Rewards points flights directly on airlines or with American Express Travel | 5.0 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. (Read card review) on American Express's secure site See Rates & Fees, Terms Apply |
| 3X points on dining 2X points on travel Up to 1X points on rent payments (up to a maximum 100,000 points per calendar year) and other purchases (Earn points when you make 5 transactions that post each statement period). See Rewards and Benefits terms. | 4.0 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. (Read card review) on Wells Fargo's secure site |
| 10X points on hotels and car rentals when purchased through Chase Travel℠ 5X points on air travel when purchased through Chase Travel℠ (after earning your $300 travel credit) 3X points on all other travel and dining purchases | 5.0 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. (Read card review) on Chase's secure site |
| 6X Marriott Bonvoy points on eligible purchases at hotels participating in the Marriott Bonvoy® program 3X points on flights booked directly with an airline and at restaurants worldwide 2X points on all other eligible purchases | 4.3 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. (Read card review) on American Express's secure site See Rates & Fees, Terms Apply |
| 5X miles on hotels and rental cars when booked through Capital One Travel 2X Capital One miles on all purchases | 4.9 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. (Read card review) on Capital One's secure site |
On This Page
On This Page
- Why have a metal card?
- What types of credit cards are metal?
- What people say about metal cards
- Tips on choosing the best metal credit card for you
- Expert experience
- How we assess the best metal credit cards
- Frequently asked questions
Why have a metal card?
Initially seen as a status symbol, today’s metal cards are generally as accessible as their plastic counterparts. Many who seek out these cards see them as an accessoryor an expression of personality. Sleek and refined, these cards command a certain presence when you take them out of your wallet (or accidentally drop them on the floor).
Metal cards not only have the look, but also back it up with functionality and value. Higher-end metal cards are often “luxury” cards, which include helpful benefits like travel and luggage protections, as well as generous credits that help offset steep annual fees. Such cards may also allow you to transfer your earned rewards to travel partners, potentially boosting the overall value of those rewards.
What types of credit cards are metal?
Many credit cards are made of metal, but a metal form factor tends to be associated with luxury rewards and travel cards. You can also find some co-branded cards made of metal. Here are some of the card types that most often feature metal cards.
Some of the best travel and rewards cards are made of metal, but that’s not all. Though you shouldn’t prioritize form over function, you should be able to find a card that fits your goals and spending habits, even if you’re set on a metal credit card.
- Travel credit cards: Many of the top travel credit cards are made from metal, so if you’re searching for a new travel card (especially a higher-tier card with an annual fee), it’s likely you can find one that’s made from metal. Most (though not all) metal travel cards offer valuable perks like airport lounge access, free hotel nights or elite status, credits for TSA Precheck or Global Entry and more.
- Credit cards for excellent credit: Most metal credit cards — even those you wouldn’t think of as premium cards — require excellent credit for approval.
- Select co-branded cards: Some co-branded cards boast a luxury metal form factor without charging a high annual fee. Cards like the Prime Visa and Apple Card not only sport a sleek metal form factor, but can also be decent low-cost rewards cards available with good credit.
You’re unlikely to find a metal card option in the following categories:
- Credit-building cards: People building credit are generally out of luck when it comes to getting a metal credit card, as next to no cards available with bad credit, fair credit or a limited credit history are made of metal. If you’re at this stage of your credit journey, you should prioritize good credit-building habits and with time you may qualify for higher-tier metal rewards cards.
- Typical cash back cards: Although the best cash back cards can offer terrific upfront and long-term value, not many of them are metal. Most cash back cards are plastic — especially those that charge no annual fee. If you want to earn cash back but are set on getting a metal card, you may have more luck with a general rewards card that lets you redeem points or miles for cash back without sacrificing redemption value versus redeeming for travel.
- Student cards: Like credit-building cards, student cards typically aren’t made of metal. Students may want to wait on a metal card, anyway, as annual fees — which metal cards usually have — could weigh especially heavy in a student’s wallet.
Bankrate’s take:While metal cards more often fall into a premium card category, there’s no guarantee that the card will have good value. For example, the Mastercard® Gold Card™ arguably boasts more style than substance, with its design impressing more than its rewards rates.
Pros and cons of metal credit cards
Pros
Premium perks and benefits: The best metal credit cards typically come with premium benefits such as airport lounge access, elevated status with car rental and hotel brands, and annual travel credits.
Luxury feel: Though not all metal cards are necessarily premium, there’s still a sense of luxury (and a certain “plunk” factor) associated with metal credit cards that some consumers might count as a pro.
Durability: A metal card likely won’t need to be replaced as frequently as a plastic card.
Cons
Annual fees: Metal credit cards tend to offer luxury perks and great rewards rates, so they often come with a hefty price tag. These fees may not be worth it if the card’s rewards and perks aren’t a great fit for your priorities and spending habits.
Difficult to destroy: The card’s durability can become a headache at the end of your credit card account. Metal credit cards are notoriously difficult to destroy because you can’t bend them, cut them with scissors or put them through a shredder.
What people say about metal cards
Metal credit cards can be a great mix of utility and style but often carry a higher annual fee reflective of their numerous perks. Still, they constantly have high ratings for a reason: these perks are well worth the cost of admission.
Tips on choosing the best metal credit card for you
Metal cards are often elite cards that come with a ton of perks that match their hefty price tags. The best metal credit card for you will come with benefits that fit into your overall financial goals.
Here are a few steps to follow to help you make your decision.
Here’s what our experts say
It shouldn’t be your priority to get a metal credit card simply because it’s metal, but many of the best cards out there happen to be made of metal. Several members of Bankrate’s editorial staff hold one or more of these cards because of their valuable rewards or perks.
Bilt Mastercard
“I initially was very skeptical about the value of the Bilt card. I've been proven wrong. While it's a little outside of the box, that's what gives it an edge. Doubling points earned on ‘Rent Day’ is a great feature. I'll save travel and dining purchases for that day just to earn the high rates. They always have great promos for card members, and Bilt points are one of the most valuable currencies available. The unique ability to pay rent with your card with no additional convenience fees is also vastly underrated and a great tool to have.”
— Ryan Flanigan, Writer
Prime Visa
“I have a relatively busy lifestyle and simply don’t have enough time for shopping around between superstores and home goods stores to find the best deals on household essentials. I started using Amazon to save time and became a Prime member for all its benefits, like fast shipping and discounts. Soon after, I applied for the Prime Visa. Although a Prime membership is required, the cash back I earn from Amazon purchases offsets the Prime membership fee without straining my budget.”
— Brendan Dyer, Writer
Apple Card
"As an iPhone user, I've found paying with and paying off the Apple Card very convenient. I especially love the Wallet app's notifications and straightforward interface, which help me track spending and ensure I always make my card payments on time. And I won't lie, that titanium clank you get when you set the card down is always satisfying."
— Nouri Zarrugh, Senior Editor
All information about the Apple Card and Amazon Business Prime American Express Credit Card has been collected independently by Bankrate.com and has not been reviewed or approved by the issuer. Eligibility and benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
*For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
Have more questions for our credit cards editors? Feel free to send us an email, find us on Facebook, or Tweet us @Bankrate.
How we assess the best metal credit cards
250+
cards rated
50+
rewards programs valued
5000
data points analyzed
40+
perks evaluated
When evaluating the best metal credit cards, we take into account several factors, including how cards score in our proprietary card rating system and whether they offer features that fit the priorities of a diverse group of cardholders, from earning rewards to scoring a large sign-up bonus to saving on interest.
We analyzed over 250 of the most popular credit cards and selected standouts that features a metal construction. We scored each card based on the factors most relevant to its primary category, including its rewards rate, estimated annual earnings, intro APR period, ongoing APR, perks and more to determine whether it belonged in this month’s roundup.
Here are some of the key factors that we considered:
Frequently asked questions about metal credit cards
India DavisArrow RightEditor, Credit Cards
India Davis is an editor specializing in credit cards and updates. She believes in putting the reader first and carrying out a brand’s voice to its fullest potential. She has…
* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.
Editorial Disclosure: Opinions expressed here are the author’s alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.
