OUR FAVORITE PARTNER CARDS

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The best metal credit cards are more than a status symbol. In most cases, banks reserve “metal status” for their flagship products. The best metal credit cards 2019 are perfect for earning travel rewards, though, it’s possible to enjoy cash rewards by paying with heavy metal credit cards too. Personally, I hold the Chase Sapphire Preferred® Card, Capital One® Venture® Rewards Credit Card, and The Platinum Card® from American Express thick metal credit cards in my wallet.

The Chase Sapphire Preferred is the best metal credit card 2019 in my opinion
The Chase Sapphire Preferred is the best metal credit card 2019 in my opinion

An increasing number of personal and business credit cards are becoming metal including the new Apple Card. It’s possible to get a heavy metal credit card with no annual fee and (of course!) earns valuable rewards. In most cases, you will need a good or excellent credit score of at least 700 to qualify for these thick metal credit cards.

Best Metal Credit Cards for Travel Rewards

Best Metal Credit Cards 2019

Travel rewards cards are the most common card to be made of metal. They also happen to have to some of the best benefits and award travel redemption options as well. Here are the heaviest and thickest metal cards in 2019:

Chase Sapphire Preferred – Best Beginner Metal Credit Card 2019

When you want access to the Ultimate Rewards 1:1 transfer partners but don’t need the Sapphire Reserve’s other 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 cards rewards, though you won’t get a redemption bonus.

Chase recently increased the Sapphire Preferred sign-up bonus. New cardmembers can now earn 60,000 bonus Ultimate Rewards points (worth $750 in award travel) by spending $4,000 in the first 3 months. You will pay a $95 annual fee with the Chase Sapphire Preferred, but the limited sign-up bonus makes it worth it.

Apply Now: Chase Sapphire Preferred® Card

Capital One Venture Rewards Credit Card – 2x on Spending Metal 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. Hotels.com/venture purchases earn 10x miles per $1 spent (through January 2020). All other purchases earn unlimited 2x miles.

Rewards miles are redeemable for travel statement credits, award flights, and mile transfers to international airlines. For most people, the statement credits and award flights will be a more valuable redemption option because the Capital One transfer partners do not have a 1:1 transfer ratio.

Capital One Venture cardholders can also enjoy a Global Entry or TSA PreCheck application fee credit. The signup bonus of 50,000 bonus miles (worth $500) is yours after spending $3,000 in the first 3 months. The annual fee is $0 the first year then $95 annually.

Learn more: Capital One® Venture® Rewards Credit Card

Platinum Card from American Express – Heaviest Metal Credit Card

One of the most benefit-rich credit cards is The Platinum Card® from American Express. Although it has $550 annual fee (See rates & fees), it can be a delight for frequent flyers as some of the best benefits include earning 5x Membership Rewards points on flights, an annual $200 air travel credit, and access to several leading airport lounge networks.

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 Platinum Card from American Express cardmembers can earn 60,000 bonus Membership Rewards points after spending $5,000 on purchases in the first three months of account opening. This bonus can be worth at least $600 when booking award flights.

Also, you might be able to get a welcome bonus of 100,000 points through CreditCards.com Card Match. 

The Amex Platinum is also definitely one of the heaviest metal credit cards available.

Chase Sapphire Reserve – Thickest Metal Credit Card

The Chase Sapphire Reserve® is the flagship premium 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. You also earn 3x points on travel and dining plus 1 point on all other purchases. The annual fee is $450.

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.

New Chase Sapphire Reserve cardmembers can earn a 50,000-point signup bonus worth $750 in award travel by spending $4,000 in the first 3 months. Before applying 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.

Best Metal Credit Cards Without an Annual Fee

Wells Fargo Propel

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:

  • Dining
  • Gas
  • Rideshares and transit
  • Travel
  • 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.

Your 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 travel portal.

New Wells Fargo Propel cardmembers can also earn up to 30,000 bonus points worth $300 or up to $450 when booking award flights. You will earn the 30,000 points by spending $3,000 on purchases in the first 3 months of account opening.

Learn more: Wells Fargo Propel American Express® Card

Best Metal Credit Cards for Dining Rewards

Capital One Savor – Not a Thick Metal Credit Card

For dining and entertainment rewards, look no further than the Capital One® Savor® Cash Rewards Credit Card. You get unlimited 4% back on dining and entertainment purchases. Through May 2020, you get 8% back on Vivid Seats purchases. If you enjoy food delivery service, Capital One covers your Postmates Unlimited monthly membership fee through 2019 so you can pay $0 delivery fees.

The current 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 $0 the first year then $95 each following year.

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.

Marriott Bonvoy Boundless (Metal Credit Card No Longer Available)

One of the newest hotel credit cards is the Marriott Bonvoy Boundless™ Credit Card. New cardholders can earn a bonus of 75,000 points by spending $3,000 on purchases in the first 3 months of account opening. This bonus can be worth 10 free nights.

You will also get one free hotel night award each card anniversary you can redeem at any Bonvoy property that costs 35,000 points or less. This free night can easily be worth more than the $95 annual fee. As a cardholder, you also have automatic Silver Elite status and 15 elite night credits so you can earn 10% more on Marriott stays and enjoy free on-property wifi.

Summary of the Best Metal Credit Cards 2019

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.

Best Heaviest & Thickest Metal Credit Cards

For rates and fees of The Platinum Card® from American Express, please click here.

Best Business Metal Credit Cards 2019

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.

best metal business credit cards
best metal business credit cards Photo by JESHOOTS.com from Pexels

There are several personal credit cards made of metal that come with plenty of rewards (here are our picks for the best metal credit cards for personal use). For instance, the Chase Sapphire Preferred perks 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 2019.

Business Platinum Card from American Express

The Business Platinum® Card from American Express is the most lavish metal credit card open to the general public. You earn 5x points per $1 spent on flights and prepaid hotels booked on AmexTravel.com. Purchases at least $5,000 or more earn 1.5x points per $1 instead of the standard 1x point per $1 on non-bonus spending.

For both plane ticket purchases and large purchases, this card earns almost double the points as most rewards credit cards.

The real value for this card can be in the many travel benefits. You get an annual $200 airline fee credit that reimburses your baggage fees, in-flight purchases, and other incidentals. Complimentary airport lounge access to the Centurion, Priority Pass, Delta Sky Club, Plaza Premium and others is also a nice perk.

Other benefits include:

Your award points are most valuable when redeemed for award flights. You get 35% of your points back (up to 500,000 points per year) when booking award flights through AmexTravel.com. This essentially values each point at 1.35 cents each.

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). You can earn up to 75,000 bonus points with the welcome offer. Earn 50,000 points after spending $10,000 in the first 3 months. Spend an additional $10,000 within the first 3 months and you’ll earn an extra 25,000 points. So to earn the 75,000 points, you’ll need to spend $20,000 on eligible purchases in the first 3 months. You also get one complimentary year of Platinum Global Access from WeWork.

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 unlimited 1 point per $1 spent.

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.

Like all Membership Rewards credit cards, you 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.

The current welcome offer is worth up to $500 in bonus statement credits on qualifying FedEx purchases made within the first three months of account opening. This offer ends November 6, 2019. If you need a credit card for shipping purchases, you may want to apply now.

Amazon Business Prime American Express Card

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.

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.

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.

Summary of Business Metal Credit Cards

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.

Related Articles:

Best Heaviest & Thickest Metal Credit Cards

For rates and fees of The Business Platinum® Card from American Express, please click here.

For 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.

Josh Patoka

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.

The Best Metal Credit Cards 2019 To Put In Your Wallet
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7 Comments On "The Best Metal Credit Cards 2019 To Put In Your Wallet"
  1. George|

    No love for the Amex Gold? 4X on restaurants and supermarkets, 3X on airfare, $100/year airline fee credit, $10/month credit at Grubhub/Seamless and a few others, and free roadside assistance.

    Damn near tore a hole in my new wallet, too.

  2. Michael Robichaud|

    Marriott Bonvoy Boundless are no longer metal. Just got my replacement and was very disappointed. :(

    1. Johnny Jet Editorial|

      That’s a bummer!

  3. Erwin|

    What about having one custom made? I read somewhere that is an option.

    1. Johnny Jet Editorial|

      I haven’t heard of that. Do you know what bank?

  4. Alan Berkofsky|

    What about Chase Amazon?

    1. Johnny Jet Editorial|

      The Chase Amazon is a metal credit card, but there are much better Chase card options, imho.

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