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Did you know that you can get a metal credit card that comes with plenty of perks and also a low annual fee? In the past, banks reserved “metal credit card status” for their rarest products. But today, the best metal credit cards are perfect for earning travel rewards since they are reserved for some of the best products card-issuers offer. Not only that, several cards are offering some incredible credit card offers that you really don’t want to miss out on.
Some years ago, I had the unfortunate experience of traveling abroad with a plastic card that stopped working (the machines couldn’t read it). It was a bit of a nightmare trying to pay for anything with my main card. I have learned my lesson the hard way.
Having a durable card that works no matter what you’re buying or where you’re buying it can be a relief that you don’t want to have to worry about. Personally, I hold the Chase Sapphire Preferred® Card and Capital One Venture Rewards Credit Card metal credit cards in my wallet.
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.
Variety of Metal Credit Cards
An increasing number of personal and business credit cards are becoming metal credit cards. It’s possible to get a heavy metal credit card with no annual fee and (of course!) earn valuable rewards. It’s also possible to enjoy cash rewards with metal credit cards too.
But, in most cases, you will need a good or excellent credit score of at least 720 to qualify for these durable metal credit cards.
Top Metal Credit Cards Table
|Credit Card||Category||Annual Fee||Suggested Credit Score||More Information|
|Chase Sapphire Preferred® Card||Best Chase Metal Credit Card||$95||700+||More Info|
|The Platinum Card® from American Express||Heaviest Metal Credit Card||$695 (See rates & fees)||700+||More Info|
|Capital One Venture Rewards Credit Cards||Best Capital One Metal Credit Card||$95||700+||More Info|
|Chase Sapphire Reserve®||Thickest Metal Credit Card||$550||780+||More Info|
|Wells Fargo Propel American Express® Card||No Annual Fee Metal Credit Card||None!||670||More Info|
|The Business Platinum Card® from American Express||Best Metal Business Credit Card||$595 ($695 if the application is received on or after 1/13/2022) (See Rates & Fees)||740||More Info|
Which Credit Cards Are Made Out of Metal?
Travel credit cards are the most common card to be made of metal. They also happen to have some of the best benefits and award travel redemption options as well. Here are the heaviest and thickest metal cards in 2021, which makes them strong and durable for travel and everyday wear and tear.
Even better, many of these cards below are also contactless credit cards.
Chase Sapphire Preferred Card – The Best Chase Metal Credit Card for 2021
One of the best cards you can have in your wallet is the Chase Sapphire Preferred Card. New Chase Sapphire Preferred® Card cardholders can earn 60,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening, worth $750 when redeemed through Chase Ultimate Rewards®. This is the highest bonus offer ever for the Chase Sapphire Preferred!
There are several Chase Sapphire reward categories. The Chase Sapphire Preferred earns unlimited:
- 5x points on travel purchased through Chase Ultimate Rewards® (excluding hotel purchases that qualify for the $50 Anniversary Hotel Credit)
- 5x points on Lyft rides (through March 2022)
- 3x points on dining (including eligible delivery services, takeout, and dining out)
- 3x points on online grocery purchases (excluding Target®, Walmart®, and wholesale clubs)
- Also 3x points on select streaming services
- 2x points on all other travel purchases
- 1x point per $1 spent on all non-bonus purchases
There is a $50 annual Ultimate Rewards Hotel Credit. It comes in the form of a statement credit that will automatically be applied to your account when your card is used for hotel accommodation purchases made through the Ultimate Rewards program, up to an annual maximum accumulation of $50.
Plus, on each account anniversary, you’ll earn bonus points equal to 10% of your total purchases made the previous year. So, if you spend $25,000 on purchases, you’ll get 2,500 bonus points.
When you want access to the Ultimate Rewards 1:1 transfer partners but don’t need premium travel benefits, the Chase Sapphire Preferred® Card can be a better fit. You can enjoy a 25% travel redemption booking travel on Chase or you might get more value by transferring your points to the 1:1 Chase travel partners. It’s also possible to redeem your points for cash and gift card rewards, though you won’t get a redemption bonus with this Chase metal credit card.
Additional Sapphire Preferred Benefits
Additional Chase Sapphire Preferred benefits include unlimited deliveries with no delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with a DoorDash DashPass subscription. Activate your card by December 31, 2021.
Additionally, cardholders can earn up to $60 in statement credits on Peloton Digital and All-Access Memberships through December 31, 2021.
Points are worth 25% more when redeemed for statement credits against existing purchases in select, rotating categories with the Chase Pay Yourself Back feature.
You will pay a $95 annual fee, but the sign-up bonus and perks make it worth it.
Related: Chase Sapphire Preferred Review
The Platinum Card from American Express – The Heaviest Metal Credit Card
One of the most benefit-rich metal credit cards that have recently added new premium perks is The Platinum Card® from American Express. Some of the best benefits include earning 5x Membership Rewards points on flights booked directly with airlines or with American Express Travel, up to $500,000 on these purchases per calendar year.
Cardholders get access to several leading airport lounge networks. This is the best American Express card. The Amex Platinum metal card is also definitely one of the heaviest metal credit cards available.
Your Membership Rewards points can be most valuable when you transfer them to the 1:1 airline partners. Some of the partners include Delta, Aer Lingus, Emirates, and Singapore Airlines.
New The Platinum Card® from American Express cardmembers can earn 100,000 Membership Rewards® Points after spending $6,000 on purchases on the Card in the first 6 months of Card Membership. New cardholders also earn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of Card Membership. Terms apply.
Note that The Platinum Card from American Express is hard to get but can be worth it for frequent travelers.
Learn more: Johnny Jet Recommended Credit Cards
Chase Sapphire Reserve – The Thickest Chase Metal Card
The Chase Sapphire Reserve® is the flagship premium Chase metal credit card of the Chase Ultimate Rewards program.
It’s a premium travel rewards card that lets you enjoy free Priority Pass Select lounge access, Global Entry or TSA PreCheck, and a $300 travel credit. Gas station and grocery store purchases will also count towards earning the annual $300 travel credit, through December 31, 2021.
Chase Sapphire Reserve® purchases earn up to 10x Ultimate Rewards. Cardholders can earn unlimited:
- 10x total points on hotels and car rentals purchases through Chase Ultimate Rewards (after the first $300 is spent on travel purchases annually)
- 10x total points on Chase Dining purchases with Ultimate Rewards
- 5x total points on flights when you purchase travel through Chase Ultimate Rewards (after the first $300 is spent on travel purchases annually)
- 3x points on other travel worldwide (after the first $300 is spent on travel purchases annually)
- 3x points on other dining at restaurants, including eligible delivery services, takeout, and dining out
- 1x points for all remaining purchases
You will not receive rewards points on your first $300 in annual travel purchases as the annual travel statement credit reimburses these purchases.
You receive a 50% travel redemption bonus or you can transfer your points on a 1:1 basis to airlines and hotels including Southwest Airlines, United Airlines, Marriott Bonvoy, and World of Hyatt.
Cardholders can also earn up to $120 in statement credits on Peloton Digital and All-Access Memberships through December 31, 2021. This is in addition to the complimentary DoorDash DashPass subscription that lets cardholders get unlimited deliveries with a $0 delivery fee and reduced service fees. They also earn up to $120 in statement credits on DoorDash purchases ($60 in statement credits through 2020 and another $60 in statement credits through 2021).
Additional Chase Sapphire Reserve Perks
Sapphire Reserve cardholders earn 10x points on Lyft rides, including bikes and scooters through March 2022. Complimentary Lyft Pink Membership is also available when activated by March 2022.
Points are worth 50% more when redeemed for statement credits against existing purchases in select, rotating categories with the Chase Pay Yourself Back feature.
New Chase Sapphire Reserve® cardmembers can earn 50,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening, worth $750 toward travel when redeemed through Chase Ultimate Rewards®.
The annual fee is $550.
Before trying for the Sapphire Reserve, make sure you haven’t opened at least 5 new credit card accounts in the last 24 months. The Sapphire Reserve is also one of the thickest metal credit cards available. Compare the Chase Sapphire Reserve vs Chase Sapphire Preferred if you’re unsure which would be best for you.
Related: Chase Sapphire Reserve Review
Capital One Venture Rewards Credit Card
You prefer the value and simplicity that comes from a flat-rate rewards card like the Capital One Venture Rewards Credit Card. Its rewards program is straightforward. All purchases earn unlimited 2x miles.
Reward miles are redeemable for travel statement credits, award flights, and mile transfers to leading travel programs. Capital One also has new travel perks like 1:1 transfer ratios and airport lounges.
Cardholders can also enjoy a Global Entry or TSA PreCheck application fee credit of up to $100.
The annual fee is $95. The Capital One Venture Rewards Credit Card is one of the best Capital One credit cards available, thanks to its flexibility and earning potential on every purchase.
New Capital One Venture Rewards Credit Card cardholders can earn 60,000 miles after spending $3,000 on purchases in the first 3 months.
Learn more: Travel Rewards Credit Cards
Best Metal Credit Cards 2021
- 60,000 Point Bonus Chase Sapphire Preferred® Card
- 2x Miles on Every Purchase Capital One Venture Rewards Credit Card
- Up to 10x points, $300 annual travel credit Chase Sapphire Reserve®
- 100,000 Point Bonus The Platinum Card® from American Express
- Best metal business card The Business Platinum Card® from American Express
Best Metal Credit Cards Without an Annual Fee
Wells Fargo Propel – Wells Fargo Metal Credit Card
The information related to Wells Fargo Propel American Express® Card has been collected by Johnny Jet and has not been reviewed or provided by the issuer or provider of this product or service.
The Wells Fargo Propel American Express® Card is the best metal credit card without an annual fee. Plus, the Propel doesn’t charge a foreign transaction fee. You will likely earn 3x points on many of your daily purchases including:
- Rideshares and transit
- Popular streaming services
All other purchases earn an unlimited 1 point per $1 spent. Paying your cell phone bill with the Propel can help you qualify for $600 in free cell phone protection.
The Wells Fargo metal credit card points are worth 1 cent each for various cash, gift card, and travel rewards. But they can be worth 50% more (1.5 cents each) when you book award flights through the Wells Fargo credit card travel portal.
New Wells Fargo Propel cardmembers can also earn 20,000 bonus points worth $200 or up to $450 when booking award flights. You will earn the 20,000 points by spending $1,000 on purchases in the first 3 months of account opening.
Note that the Wells Fargo Propel American Express® Card is currently closed to new applications. We expect some changes to this card to be announced at a later date.
Best Metal Credit Cards for Dining Rewards
The Sapphire Preferred and Capital One Venture cards both earn at least 2x rewards per $1 on dining purchases. You can earn more cash back with a non-metal credit card, but I prefer to earn transferrable travel rewards points.
Capital One Savor Cash Rewards Credit Card
The information for the Capital One Savor Cash Rewards Credit Card has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.
For dining and entertainment rewards, look no further than the Capital One Savor Cash Rewards Credit Card. You can earn unlimited:
- 8% back on tickets at Vivid Seats (through January 2023)
- 4% back on dining, entertainment, and select popular streaming services
- 3% back at grocery stores (excluding superstores like Walmart and Target)
- 1% back on all non-bonus purchases
The signup bonus is the ability to earn a one-time $300 bonus cash after spending $3,000 in the first 3 months of account opening. The annual fee is $95.
It’s important to note that the Capital One SavorOne Cash Rewards Credit Card, which doesn’t charge an annual fee, is still a plastic credit card.
Related: Best Capital One Credit Cards
Best Heaviest & Thickest Metal Credit Cards
While heavy metal credit cards were once reserved for exclusive new members by invitation only, it’s becoming more common. You can now take your pick between getting a premium travel rewards card that’s full of benefits or a consumer credit card that may or may not charge an annual fee but still offers robust rewards.
- 60,000 point bonus: Chase Sapphire Preferred® Card
- 60,000 Mile Bonus: Capital One Venture Rewards Credit Card
- Thickest Metal Credit Card: Chase Sapphire Reserve®
- 100,000 Point Bonus: The Platinum Card® from American Express
- Best metal business card: The Business Platinum Card® from American Express
The Best Business Metal Credit Cards for 2021
Maybe you’re looking for a new conversation topic for your next business conference or client meeting. Showcasing one of the best metal business credit cards might be the icebreaker you are looking for.
There are several personal credit cards made of metal that come with plenty of rewards. For instance, the Chase Sapphire Preferred benefits include earning points for travel, the ability to transfer points to major travel partners, travel insurance, and more.
Only a few business credit cards come in metal. Owning one of these cards puts you in an exclusive group. And because these cards are metal, you can likely earn more rewards than your current cards.
If you are still waiting to receive your invitation to the invite-only Business Centurion® Card from American Express, you can try one of these options instead, including some of the best premium credit cards 2021.
The Business Platinum Card from American Express
The Business Platinum Card® from American Express is the most lavish metal card open to the general public. You earn 5x Membership Rewards® points per $1 spent on flights and prepaid hotels booked on AmexTravel.com.
Additionally, cardholders earn 1.5x Membership Rewards® points for each eligible purchase of $5,000 or more. They also earn 1.5x Membership Rewards® points on eligible U.S. purchases in the following select business categories (up to $2 million per calendar year):
- Construction material and hardware suppliers
- Electronic goods retailers and software & cloud system providers
- Shipping providers
For both plane ticket purchases and large purchases, this card earns almost double the points as most rewards credit cards.
The real value of The Business Platinum Card from American Express can be in the many travel benefits.
Get up to $200 in statement credits per calendar year toward baggage fees and more at one qualifying airline. Other airport benefits include a $179 annual CLEAR® credit when you use your Card to enroll in CLEAR® membership and access to more than 1,300 airport lounges across 140 countries and counting with The American Express Global Lounge Collection®.
Additionally, unlock over $1,000 in value per year for statement credits on select purchases with your Card, including up to $400 with Dell Technologies (up to $200 semi-annually), up to $360 with Indeed, up to $150 with Adobe, and up to $120 on wireless telephone purchases. Enrollment required.
Other benefits include:
- Fee credit for Global Entry or TSA PreCheck
- Hilton Honors Gold status
- Marriott Bonvoy Gold Elite status
Your award points are most valuable when redeemed for award flights. If you use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, you can get 35% of the points back, up to 500,000 bonus points per calendar year on amextravel.com.
Additional Business Platinum Perks
Also, cardholders can take advantage of the Pay Over Time Option, a flexible payment option to help manage cash for purchases of $100 or more.
Another option is the numerous 1:1 airline transfer partners including Delta, British Airways, and Asia Miles. Point transfers can help you find more value from each redeemed point. The Business Platinum Card® from American Express has a $595 annual fee (See Rates & Fees).
If you’re a big spender that wants travel rewards, you will like The Business Platinum Card® from American Express.
New The Business Platinum Card® from American Express cardholders have the opportunity to earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership. Plus, 0% Intro APR for 12 months from the date of the account opening on purchases eligible for Pay Over Time. After that, your APR will be 14.24% to 22.24% based on your credit worthiness and other factors as determined at the time of account opening.
This card does have an annual fee of $595 ($695 if the application is received on or after 1/13/2022; See Rates & Fees).
American Express Business Gold Card
You can earn up to 4 Membership Rewards points per $1 spent on eligible purchases with the American Express® Business Gold Card. This card is the best alternative to the Business Platinum when you want to maximize your largest business and travel purchases but don’t need travel benefits like airport lounge access or airline fee credits. The annual fee is a more reasonable $295 (See Rates & Fees) versus the Business Platinum’s $595 annual fee.
You earn 4x points on the 2 categories where your business spent the most each billing cycle from the list below*:
- Airfare purchased directly from the airline
- Advertising on online, tv, and radio (U.S. purchases only)
- Gas stations (U.S. purchases only)
- Restaurants (U.S. purchases only)
- Shipping (U.S. purchases only)
The 4x points apply to the first $150,000 in combined purchases from these 2 categories annually. All non-bonus purchases earn an unlimited 1 point per $1 spent with the American Express Business Gold Card.
You get 25% of your points back by booking an award flight through AmexTravel on the airline of your choice or a premium cabin fare on any airline. It’s possible to get up to 250,000 points back each you with this*.
You also have access to the American Express airline transfer partners. Your points are usually most valuable when redeemed for award flights through AmexTravel or the transfer partners.
New American Express® Business Gold Card cardholders can earn 70,000 points after spending $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
American Express Business Gold cardholders also have access to a Pay Over Time Option that lets cardholders decide whether they want to pay for their eligible purchases in full each month or pay over time with interest (terms apply).
Amazon Business Prime American Express Card
The information for the Amazon Business Prime Card has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.
Another benefit of your Amazon Prime membership can be getting a metal business credit card. The Amazon Business Prime American Express Card doesn’t charge an annual fee (See Rates & Fees). You can get a $125 Amazon gift card upon approval.
Note, the regular Amazon credit card for non-Prime members is still a plastic card.
You can either earn 5% back or have 90 days of interest-free payments for U.S. Amazon Business, AWS, Amazon.com, and Whole Foods purchases. Plus, you earn 2% back at U.S. restaurants, U.S. gas stations, and wireless telephone services purchased directly from U.S. providers. All non-bonus purchases earn 1% back.
Points are redeemable for Amazon.com shopping points or cash statement credits. You may also appreciate the card doesn’t have a foreign transaction fee (See Rates & Fees) so you earn rewards points on every purchase when traveling abroad.
The Amazon business cards can be very helpful if your business frequently uses Amazon.
It’s also easy to track Amazon spending if you have multiple employees. Furthermore, you can track purchases by item. Vendor pay for a single user from Bill.com is another complimentary benefit this and other American Express business credit cards offer.
Related: Best Credit Cards for Groceries
Custom Metal Credit Cards
Another way to turn plastic into metal is by making customized metal credit cards. Several online businesses will transfer your magnetic stripe and EMV chip to a metal card. You will need to either mail a frozen or unactivated card to get a metal version of your card.
There is a one-time fee for this service. For example, Metal-CreditCard.com custom designs start at $169. Each time you receive a replacement card, you need to pay the fee again to continue owning a metal card. If you lose your card, you still need to report your card as lost or stolen to the issuing bank.
Are Metal Business Credit Cards Worth It?
Most of these cards require a high annual fee. But if you don’t travel often or can’t maximize the bonus categories or point redemption options, you might consider sticking with a plastic business credit card. Likewise, some of the best small business credit cards may not come with a metal option but they still pack plenty of rewards.
One exception to this rule is the Amazon Business Prime Card because it has no annual fee and earns up to 5% back. Some of the best travel credit cards with no annual fees might be helpful if you don’t mind paying an annual fee for a business card but want to stay away from fees in your personal accounts.
Regardless of what you choose, the best rewards credit cards are the ones that make it easy to earn or redeem rewards points. Plus, they usually have additional benefits you can use.
In summary, most metal business credit cards are reserved for some of the most exclusive programs. If these cards can maximize your business spending or travel habits, you have the perfect excuse to add a hunk of metal to your wallet. Plus, it can be aesthetically pleasing to own.
- What Are The Best Chase Business Credit Cards? (2021)
- 7 Best Business Credit Cards for Office Supplies
- Best Business Credit Cards With No Annual Fees, Advertising Perks, & More
- 7 Best Business Credit Cards for Cell Phones
- Best Credit Cards for Domestic Travel in 2021
What is the best metal credit card with no annual fee?
The Wells Fargo Propel American Express® Card is the best metal credit card without an annual fee. Plus, the Propel doesn’t charge a foreign transaction fee.
What is the best Chase metal credit card?
The Chase Sapphire Reserve® is the best Chase-issued metal credit card. It is also one of the best travel rewards credit cards.
Its best card benefits include:
- Priority Pass airport lounge access
- Global Entry or TSA PreCheck application fee credit
- $300 annual travel credit
Points are worth 50% more when booking award travel through Chase. Cardholders also can take advantage of the 1:1 point transfers to airline and hotel loyalty programs. There are no foreign transaction fees to worry about.
How do I destroy/dispose of a metal credit card?
How to dispose of a metal credit card:
- Most credit card issuers will send you a pre-paid envelope that you can mail back to them since metal credit cards can be too strong to destroy with the usual scissors or paper shredder. Call or email your card provider to request an envelope to mail it back. Many card issuers also have sections on their websites to walk you through the process.
- You can use a power drill to put holes in a metal credit card. Be sure to put a hole through the chip.
- You can use a hammer and nail to put a hole through the chip as well. Just make sure you have a piece of wood or a surface you don’t mind damaging beneath it.
For rates and fees of The Platinum Card® from American Express, please click here.
For rates and fees of The Business Platinum Card® from American Express, please click here.
Rates and fees of the American Express® Business Gold Card, please click here.
For rates and fees of the Amazon Business Prime American Express Card, please click here.
Chase Sapphire Preferred® Card
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
- Enjoy new benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
- With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
- Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.
The comments on this page are not provided, reviewed, or otherwise approved by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities.
Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities.
- 1 Top Metal Credit Cards Table
- 2 Which Credit Cards Are Made Out of Metal?
- 3 Chase Sapphire Preferred Card – The Best Chase Metal Credit Card for 2021
- 4 The Platinum Card from American Express – The Heaviest Metal Credit Card
- 5 Chase Sapphire Reserve – The Thickest Chase Metal Card
- 6 Capital One Venture Rewards Credit Card
- 7 Best Metal Credit Cards 2021
- 8 Best Metal Credit Cards Without an Annual Fee
- 9 Best Metal Credit Cards for Dining Rewards
- 10 Best Heaviest & Thickest Metal Credit Cards
- 11 The Best Business Metal Credit Cards for 2021
- 12 The Business Platinum Card from American Express
- 13 American Express Business Gold Card
- 14 Amazon Business Prime American Express Card
- 15 Custom Metal Credit Cards
- 16 Are Metal Business Credit Cards Worth It?
- 17 Summary
- 18 FAQs