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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 are perfect for earning travel rewards, though, it’s possible to enjoy cash rewards by paying with metal too.

An increasing number of cards are becoming metal including the new Apple Card. It’s possible to get a metal credit card that doesn’t charge an 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 metal credit cards.

Best Metal Credit Cards for Travel

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.

Platinum Card from American Express

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.

Chase Sapphire Reserve

The Chase Sapphire Reserve® is the flagship 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-points 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.

Chase Sapphire Preferred

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.

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. 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.

Marriott Bonvoy Boundless

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.

Best Metal Credit Card Without an Annual Fee

Wells Fargo Propel

The Wells Fargo Propel American Express® Card is the best all-around 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.

Best Metal Credit Cards for Dining Rewards

Capital One Savor

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.

Summary of the Best Metal Credit Cards

While 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.

For rates and fees of The Platinum Card® from American Express, 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 To Put In Your Wallet
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1 Comment On "The Best Metal Credit Cards 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.

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