Our top picks of timely offers from our partners

More details
One of the longest 0% intro APR offers plus, no annual fee
Upstart Personal Loans
Learn More
Terms Apply
Loans up to $50K - great option for those with fair to average credit
$300 statement credit welcome offer after meeting spending requirements
First Tech Personal Loan
Learn More
Terms Apply
Our top pick for a personal loan with long repayment terms from a credit union
$200 welcome bonus offer plus, earn up to 5% cash back on eligible purchases
Select is editorially independent. We earn a commission from affiliate partners on many offers, but not all offers on Select are from affiliate partners. Read more about Select on CNBC and on NBC News, and click here to read our full advertiser disclosure.
Getty Images
Credit Cards

Metal credit cards are a status symbol — here are 6 that you can qualify for with good credit

Metal credit cards are fun to show off but can also be rewarding. Here are five of the best.

Share
Select’s editorial team works independently to review financial products and write articles we think our readers will find useful. We earn a commission from affiliate partners on many offers, but not all offers on Select are from affiliate partners.

Before there was a metal card at virtually every price point, there was the invitation-only American Express Centurion Card (aka the "Amex Black Card"), the longest-lived metal card since its release in 1999.

The release of the Amex Black Card kicked off a trend amongst the more expensive premium cards, including The Platinum Card® from American Express, the U.S. Bank Altitude® Reserve Visa Infinite® Card and the Citi Prestige® Card. Now, there are plenty of metal credit cards available, and you don't have to pay a $5,000 annual fee nor have an excellent credit score to qualify.

Below, Select rounds up five of our top picks for those with a good credit score looking to upgrade their plastic to metal.

Best metal credit cards

1. The Platinum Card® from American Express

The Platinum Card® from American Express

On the American Express secure site
  • Rewards

    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, 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel, 1X points on all other eligible purchases

  • Welcome bonus

    Earn 100,000 Membership Rewards® points after spending $6,000 within 6 months of card membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.

  • Annual fee

    $695

  • Intro APR

    None

  • Regular APR

    See Pay Over Time APR

  • Balance transfer fee

    N/A

  • Foreign transaction fee

    None

  • Credit Needed

    Excellent/Good

See rates and fees, terms apply.

The Platinum Card® from American Express is one of the heaviest publicly available cards and is not only heavy in weight — but it also packs a punch in benefits. However, this card is designed for consumers looking for luxury travel and benefits as the card has a steep $695 annual fee. (See rates and fees)

To start off the, card comes with a large welcome offer: you can earn 100,000 Membership Rewards® points after spending $6,000 within six months of card membership.

With the Platinum Card, you'll have a long list of perks, including:

  • Up to $200 annual hotel credit
  • Up to $200 annual airline fee credit
  • Up to $300 annual Equinox credit
  • Up to $100 annual Saks Fifth Avenue credit
  • Up to $189 credit to enroll in CLEAR®
  • Up to $240 annual digital entertainment credit
  • Up to $155 annual Walmart+ credit
  • Worldwide airport lounge access, including Delta SkyClubs and Amex Centurion Lounges
  • Up to $200 annual Uber credit
  • Up to $100 fee credit for Global Entry or TSA PreCheck
  • Automatic hotel elite status with Hilton Honors and Marriott Bonvoy
  • Comprehensive travel insurance
  • Complimentary Amex concierge service

2. Chase Sapphire Preferred Card

Chase Sapphire Preferred® Card

On Chase's secure site
  • Rewards

    $50 annual Ultimate Rewards Hotel Credit, 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining, 2X points on all other travel purchases, and 1X points on all other purchases

  • Welcome bonus

    Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 when you redeem through Chase Ultimate Rewards®.

  • Annual fee

    $95

  • Intro APR

    None

  • Regular APR

    16.24% - 23.24% variable on purchases and balance transfers

  • Balance transfer fee

    Either $5 or 5% of the amount of each transfer, whichever is greater

  • Foreign transaction fee

    None

  • Credit needed

    Excellent/Good

Terms apply.

 

The Chase Sapphire Preferred Card and the Chase Sapphire Reserve® are both made out of metal. In fact, when the Reserve made its debut in 2016, it was so popular that the card issuer temporarily ran out of metal to make more.

Though the Chase Sapphire Preferred is a bit lighter than its heavy metal counterpart, it's a more affordable metal card option and ranked as Select's best travel credit card with an annual fee under $100. Its $95 annual fee is on the lower end for a popular rewards travel card, and cardholders earn enough benefits to easily offset this cost.

If you would shamelessly enjoy the feeling of throwing down a metal card while traveling or dining out, this card may be for you.

With the Preferred, you can earn 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases. New cardholders also benefit from 80,000 bonus points after spending $4,000 on purchases in the first three months from account opening — which gives you ample reasoning to bring it out with you.

If you redeem points for travel or for eligible purchases through the Chase Ultimate Rewards® portal, they're worth 25% more, making that welcome bonus worth up to $1,000.

3. Capital One Venture Rewards Credit Card

Capital One Venture Rewards Credit Card

Information about the Capital One Venture Rewards Credit Card has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.
  • Rewards

    5X miles on hotel and rental cars booked through Capital One Travel℠, 2X miles per dollar on every other purchase

  • Welcome bonus

    Earn 75,000 bonus miles once you spend $4,000 on purchases within 3 months from account opening

  • Annual fee

    $95

  • Intro APR

    N/A for purchases and balance transfers

  • Regular APR

    16.24%, 21.24% or 24.24% variable

  • Balance transfer fee

    3% for promotional APR offers; none for balances transferred at regular APR

  • Foreign transaction fee

    None

  • Credit needed

    Excellent/Good

Terms apply.

 

If you are searching for luxury perks that match the luxurious feel of a sturdier and heavier metal card, this low-annual-fee travel card will get you there.

The Capital One Venture Rewards Credit Card ranks as one of our top credit cards for travel and rewards. It has a reasonable $95 annual fee.

Frequent travelers can earn 5X miles on hotel and rental cars booked through Capital One Travel℠ and unlimited 2X miles on every dollar spent, as well as up to a $100 credit for Global Entry or TSA PreCheck application fee every four years.

This metal credit card also offers a solid welcome bonus for new cardholders: Earn a one-time bonus of 75,000 miles once you spend $4,000 on purchases within three months from account opening.

4. Apple Card

Apple Card

Information about the Apple Card has been collected independently by CNBC and has not been reviewed or provided by the issuer of the card prior to publication.
  • Rewards

    3% cash back on goods or services purchased directly from Apple (including Apple retail stores, the Apple online store, the App Store, iTunes, Apple Music and other Apple-owned properties) on Uber and UberEats, at Walgreens and Duane Reade stores, on the Walgreens app and on Walgreens.com, in T-Mobile stores, at Nike, at Exxon and Mobil stations and at Panera Bread, 2% cash back on Apple Pay purchases and 1% cash back on all other purchases

  • Welcome bonus

    None

  • Annual fee

    $0

  • Intro APR

    None

  • Regular APR

    10.99% to 21.99% variable

  • Balance transfer fee

    None

  • Foreign transaction fee

    None

  • Credit needed

    N/A

Terms apply.

There was a lot of hype around the Apple Card when it launched in August 2019, partly because of the fact that it's almost completely made out of titanium. True to Apple's clean branding, the card has some unique design elements as well. It's laser etched with the cardholder's name and doesn't have a printed credit card number, expiration date or security code.

When it comes to rewards, the Apple Card has a competitive "Daily Cash" cash-back program. Cardholders earn 3% cash back on goods or services purchased directly from Apple, on Uber and Uber Eats, at Walgreens and Duane Reade stores, on the Walgreens app and on walgreens.com, in T-Mobile stores and at Nike. It is then 2% cash back on Apple Pay purchases and 1% cash back on all other purchases.

While there is no welcome bonus for this card, the Apple Card is one of the few credit cards on the market that has no fees whatsoever. There are no annual fees, no foreign transaction fees and no late payment fees.

5. Amazon Prime Rewards Visa Signature Card

Amazon Prime Rewards Visa Signature Card

On Amazon's secure site
  • Rewards

    5% cash back at Amazon.com and Whole Foods Market; 2% back at restaurants, gas stations and drugstores; 1% back on all other purchases

  • Welcome bonus

    $100 Amazon.com gift card upon approval

  • Annual fee

    $0 (but Prime membership is required)

  • Intro APR

    None

  • Regular APR

    14.49% to 22.49% variable

  • Balance transfer fee

    5%, $5 minimum

  • Foreign transaction fee

    None

  • Credit needed

    Excellent/Good

Terms apply.

 

The Amazon Prime Rewards Visa Signature® Card ranked as Select's best credit card for online grocery shopping for its high 5% back on purchases at Whole Foods Market or Amazon.com — and there's no limit to how much cash back you can earn. While there is no annual fee, a Prime membership is required ($139 for an annual membership and $14.99 for a monthly membership).

Cardholders also earn 2% back on purchases at restaurants, gas stations and drugstores, and 1% back on all other purchases. Upon approval for the card, you receive a $100 Amazon.com gift card, making it one of the few welcome bonuses that isn't connected with a certain spending requirement.

6. Capital One Savor Cash Rewards Credit Card

Capital One Savor Cash Rewards Credit Card

Information about the Capital One Savor Cash Rewards Credit Card has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.
  • Rewards

    4% cash back on dining and entertainment, 4% on eligible streaming services, 3% at grocery stores and 1% on all other purchases

  • Welcome bonus

    Earn a one-time $300 cash bonus once you spend $3,000 on purchases within the first three months from account opening

  • Annual fee

    $95

  • Intro APR

    None

  • Regular APR

    16.24% - 24.24% variable

  • Balance transfer fee

    3% for promotional APR offers; none for balances transferred at regular APR

  • Foreign transaction fee

    None

  • Credit needed

    Excellent/Good

Terms apply.

 

For those who don't necessarily care about showing off their metal card status, the Capital One Savor Cash Rewards Credit Card is the No. 1 choice for Select's best credit card for food delivery.

With this card, you will earn:

  • 4% cash back on dining, entertainment, and popular streaming services
  • 3% cash back at grocery stores
  • 1% cash back on all other purchases

New cardholders earn a $300 welcome bonus once spending $3,000 on purchases within the first three months from account opening. The annual fee is $95.

When you do want to get out, this card is a good choice for people who regularly attend concerts and plays since the unlimited 4% cash back applies to entertainment as well. You can get exclusive access to premier culinary experiences, sports and music events. Through January 2023, cardholders who buy tickets through Vivid Seats, a ticket resale site, can take advantage of 8% cash back.

Bottom line

Metal credit cards can be fun to show off to friends, but it's a better strategy to pick a credit card based on its welcome bonus, spending rewards and other benefits. If you're set on getting a metal credit card, make sure to pick one that matches your spending habits and has a large welcome bonus.

FAQ's about metal credit cards

Select analyzed the most commonly asked questions about metal credit cards, and found the answers to those questions. With this information, you'll be able to make a decision on which metal credit card is best for you.

What are the best metal credit cards?

The best metal credit card is the one that fits your needs most closely. Whether its a card that earns travel rewards or cash back, it should complement your spending habits and financial goals.

How do I get a metal credit card?

There are several metal credit cards available for consumers to apply for. Simply find the one that works best for you and apply for it. You'll also need to have a good enough credit score to be approved for the metal credit card that you want.

What's the heaviest metal credit card?

The heaviest metal credit cards are the Mastercard Black Card or the JP Morgan Palladium card (the latter is not easily available to consumers). One of the heaviest cards that's publicly available is the The Platinum Card® from American Express.

How do you dispose of a metal credit card?

Many issuers offer a service where you can mail it in to be destroyed. You may want to contact your issuer for further guidance.

Are metal credit cards more secure than regular credit cards?

No. The metal material is simply a feature of the card, so be sure to keep your credit cards in a safe place.

What do metal credit cards mean?

Metal credit cards are simply cards made out of a metal material.

Information about the American Express Centurion Card, U.S. Bank Altitude Reserve® Visa Infinite® Card, Citi Prestige® Card, Capital One Savor Cash Rewards Credit Card, Amazon Prime Rewards Visa Signature® Card, Capital One Venture Rewards Credit Card, and Apple Card has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication. If you purchase something through the Amazon Prime Rewards Visa Signature® Card link, we may earn a commission.

Editorial Note: Opinions, analyses, reviews or recommendations expressed in this article are those of the Select editorial staff’s alone, and have not been reviewed, approved or otherwise endorsed by any third party.