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Metal Credit Cards You Can Get Right Now

John Ganotis

John Ganotis | Blog

Jul 26, 2017 | Updated Sep 11, 2017

The American Express Centurion Card (or “black” card) was one of the first widely known metal credit cards. The downside is it’s invitation-only and comes with a hefty $2,500 annual fee.

Over the past few years, more and more issuers are offering credit cards made of metal, and with much lower annual fees.

Some people like the feel of metal credit cards and the reactions they get when making purchases. They’re usually heavier, and someone actually weighed a bunch of metal cards recently.

Personally, I prefer the utility. I’ve definitely used my Chase Sapphire Preferred to open a door when I locked myself out, and to scrape ice off a window in the winter.

So, if you’re specifically looking for a metal credit card, what are your options?

Here are a few, and I’ll keep updating this post as I become aware of more cards. Did I forget any? Leave a comment and let me know.

Amazon Prime Rewards

This new card from Chase and Amazon is a great deal if you’re a Prime subscriber, since it gives you 5% back on Amazon purchases and there’s no annual fee for the card.

I didn’t even realize it was made of metal, too, until I was writing this article. If you’re already a Prime subscriber, then you won’t have to pay any additional annual fee to get this metal card, possibly making it your cheapest option if you’re trying to get a metal card without paying a high annual fee. Read our full review of all the Amazon credit cards here.

Amazon Prime Rewards Visa Signature Card
  • Editors’ Rating
Apply Now

Amazon Prime Rewards Visa Signature Card

For People with
Good Credit

  • Annual Fee: $0
  • Interest Rate: 14.99%–22.99% Variable
Quick Card Facts
  • Requires active Prime membership
  • Cash back can be redeemed at Amazon.com checkout
  • Earn 5% back at Amazon.com
  • Earn 2% back at gas stations, restaurants, and drugstores
  • Earn 1% back on all other purchases
  • Get a $70 Amazon.com Gift Card instantly upon credit card approval

The information for Amazon Prime Rewards Visa Signature Card has been collected independently by Smashed media. The card details on this page have not been reviewed or provided by the card issuer.

American Express Platinum Card

The Platinum Card is a high-end charge card designed for frequent travelers. This card’s been around for a while, but was refreshed in 2017 and changed to a metal design.

It includes many travel benefits, like airport lounge access, and earns travel rewards. There’s a $550 annual fee, but if you use all the benefits that can be well worth it. Read our full review here.

Platinum Card® from American Express
  • Editors’ Rating
Apply Now

Platinum Card® from American Express

For People with
Excellent Credit

  • Annual Fee: $550
  • Interest Rate: Not Applicable - Paid in Full Monthly
Quick Card Facts
  • Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
  • Up to $200 Uber Savings Annually.
  • 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
  • 5X Membership Rewards® points on eligible hotels booked on amextravel.com.
  • As a Platinum Card Member, you can enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
  • Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn More. Terms Apply.
  • $200 Airline Fee Credit, up to $200 a year in baggage fees and more at one airline. Terms Apply.

Capital One Venture Rewards

While this card is designed for travelers, it doesn’t have the same benefits as some of the other premium travel cards listed on this page.

If you’re looking to pay the least amount of money to get a metal credit card, this is the one for you. The Amazon Prime Rewards card (above) has no annual fee for the card itself, but you need to be an Amazon Prime subscriber, which normally costs $99 per year.

See our full review of the Capital One Venture cards here.

Capital One® Venture® Rewards Credit Card
  • Editors’ Rating
Apply Now

Capital One® Venture® Rewards Credit Card

For People with
Good Credit

  • Annual Fee: $95 - Waived first year
  • Interest Rate: 13.99% – 23.99% Variable
Quick Card Facts
  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within the first 3 months
  • Earn unlimited 2X miles per dollar on every purchase, every day
  • Fly any airline, stay at any hotel, anytime
  • Travel when you want with no blackout dates
  • Miles don't expire and there's no limit to how many you can earn
  • No foreign transaction fees
  • No annual fee for the first year; $59 after that
  • 100% free Capital One® Credit Wise - see your monthly credit score anytime and get automatic alerts

Chase Sapphire Preferred

The Sapphire Preferred is a metal card with a blue finish. It earns Chase Ultimate Rewards points, and is designed to provide more rewards to people who spend on travel and at restaurants.

This card has a much lower annual fee than the more premium Chase Sapphire Reserve, but does not have all the same benefits and rewards. You can see our full review of the Sapphire Preferred here.

Chase Sapphire Preferred® Card
  • Editors’ Rating
Apply Now

Chase Sapphire Preferred® Card

For People with
Good Credit

  • Annual Fee: $95 - Waived first year
  • Interest Rate: 16.74%–23.74% Variable
Quick Card Facts
  • Earn 50,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening. That's $625 in travel when you redeem through Chase Ultimate Rewards®
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases
  • No foreign transaction fees, plus chip-enabled for enhanced security and wider acceptance
  • 1:1 point transfer to leading frequent travel programs at full value - that means 1,000 Chase Ultimate Rewards points equal 1,000 partner miles/points
  • Premium Travel and Purchase Protection Benefits, including Trip Cancellation/Trip Interruption Insurance, Auto Rental Collision Damage Waiver, Purchase Protection and more
  • 24/7 direct access to dedicated customer service specialists
  • Introductory Annual Fee of $0 the first year, then $95

The information for Chase Sapphire Preferred® Card has been collected independently by Smashed media. The card details on this page have not been reviewed or provided by the card issuer.

Chase Sapphire Reserve

This card is loaded with benefits like airport lounge access and travel credits. Like the Centurion, it’s made of metal and it’s black, but as far as benefits and cost it’s more comparable to the Platinum Card. The Sapphire Reserve offers multiples for earning Ultimate Rewards points than the Chase Sapphire Preferred on the same travel and restaurant categories.

It has a relatively high annual fee of $450 compared to most credit cards, but like with the Platinum Card you can easily make up for that in value provided by the card if you use all the benefits and credits. Read our review of this card here.

There’s another fancier-looking version of this card called the JP Morgan Reserve, but it is only available to JP Morgan Private Client customers. Rumor has it you need to have $10 million in assets with Chase to be able to get the JP Morgan Reserve.

Chase Sapphire Reserve Card
  • Editors’ Rating
Apply Now

Chase Sapphire Reserve Card

For People with
Excellent Credit

  • Annual Fee: $450 ($75 for additional cards)
  • Interest Rate: 16.24% - 23.24% *Variable
Quick Card Facts
  • 3X points on travel and dining worldwide
  • 50,000 points for spending $4,000 in 3 months
  • 1:1 point transfer to airline and hotel loyalty programs
  • $300 annual credit for travel expenses
  • $100 Global Entry and TSA PreCheck application credit
  • Visa Infinite Concierge
  • Priority Pass Select Membership
  • Luxury Hotels and Resorts Collection
  • Travel and Shopping protections
  • $450 annual fee
  • 16.24% - 23.24% APR *Variable

The information for Chase Sapphire Reserve Card has been collected independently by Smashed media. The card details on this page have not been reviewed or provided by the card issuer.

Marriott Rewards Premier

It’s not ultra-exclusive, but it’s black and made of metal like the Centurion. It’s designed for people who stay at Marriott hotels often, as spending on Marriott hotels will earn you the highest reward point multiple with this card. I didn’t list it separately here, but there’s also the much more expensive Ritz-Carlton Rewards card for Marriott’s Ritz-Carlton subsidiary.

Not sure whether to get the Sapphire Preferred or the Marriott Rewards Premier? Check out this comparison.

Marriott Rewards® Premier Credit Card
  • Editors’ Rating
Apply Now

Marriott Rewards® Premier Credit Card

For People with
Good Credit

  • Annual Fee: $85
  • Interest Rate: 16.99% – 23.99% *Variable
Quick Card Facts
  • Limited Time! Earn 80,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening
  • Enjoy 1 Free Night Stay at a Category 1-5 location every year after your account anniversary date!
  • For every $1 spent, earn 5 points at 3,800 Marriott locations, 2 points on airline ticket purchases directly with airlines, at car rental agencies & restaurants and 1 point everywhere else
  • The fastest way to earn Marriott Rewards points towards free nights
  • No limit to how many points you can earn
  • Pay no foreign transaction fees and enjoy wider acceptance when you travel with your embedded chip card and you make purchases at chip-enabled card readers
  • All for an $85 Annual Fee

The information for Marriott Rewards® Premier Credit Card has been collected independently by Smashed media. The card details on this page have not been reviewed or provided by the card issuer.

MasterCard® Black Card™

This card is MasterCard’s response to the Centurion card, but it is a credit card instead of a charge card and anyone can apply for it.

It has a $495 annual fee, and comes with a set of high-end benefits that are a lesser version of some of the Centurion’s features, but it doesn’t stack up well against other premium cards in this price range, like the Platinum Card from American Express or the Chase Sapphire Reserve. See our review of this card here.

The issuer of this card, Luxury Card, actually offers two additional metal cards: the Titanium Card and Gold Card, but the Black Card is the most popular so I didn’t include all of them separately. See how all three cards compare to one another here.

Mastercard® Black Card™
  • Editors’ Rating
Apply Now

Mastercard® Black Card™

For People with
Excellent Credit

  • Annual Fee: $495
  • Interest Rate: 15.99% Variable
Quick Card Facts
  • Stainless Steel – Patented Card Design
  • Luxury Card Rewards Program
  • 2% Value for Airfare Redemptions
  • 1.5% Value for Cash Back Redemptions
  • 24/7 Luxury Card ConciergeTM
  • Exclusive Luxury Card Travel Benefits
  • $100 Annual Airline Credit Toward Qualifying Purchases
  • $100 Global Entry Application Fee Credit
  • Luxury Gifts
  • Members-Only LUXURY MAGAZINE
  • Annual Fee: $495 ($195 for each Authorized User)
  • 15.99% Variable APR on Purchases and Transfers
  • 0% Introductory APR on balance transfers made in the first 45 days after account opening

United Airlines Mileage Plus Club

This card is designed for people who frequently travel on United Airlines. There’s also a business version of the card.

Both have a $450 annual fee, with benefits you’d expect, like United Club lounge access and the ability to check some bags for free. If you purchase United airfare frequently, you may be able to justify the annual fee, since it earns 1.5 United miles per dollar spent on all purchases and 2 miles on all purchases of United airfare.

United MileagePlus® Club Card
  • Editors’ Rating
Apply Now

United MileagePlus® Club Card

For People with
Good Credit

  • Annual Fee: $450
  • Interest Rate: 16.24% - 23.24% *Variable
Quick Card Facts
  • Earn 2 miles for every $1 spent on United Airlines purchases
  • Earn 1.5 miles for every $1 spent on all other purchases
  • Miles never expire

The information for United MileagePlus® Club Card has been collected independently by Smashed media. The card details on this page have not been reviewed or provided by the card issuer.

U.S. Bank Altitude Reserve

This is the newest card out of the bunch, and like several other cards on this page, it’s a premium card designed around travel benefits with an annual fee in the $400-$600 range.

The unique feature of this card, which I’ve never seen on any other card, is a 3X reward point multiple for mobile wallet purchases. Many rewards cards offer a multiple on a certain category of purchase, but I’ve never seen a multiple based on how the transaction is processed. Maybe U.S. Bank pays lower fees to mobile wallet providers than when you swipe or dip your card, so they’re passing the savings along? Or maybe they’re just trying to be different.

Read our full review of the Altitude Reserve here.

U.S. Bank Altitude Reserve Visa Infinite® Card
  • Editors’ Rating
Apply Now

U.S. Bank Altitude Reserve Visa Infinite® Card

For People with
Excellent Credit

  • Annual Fee: $400
  • Interest Rate: 16.49% Variable
Quick Card Facts
  • $325 annual travel credit
  • 3 points per dollar for travel and mobile wallet purchases
  • 1 point per dollar on all other purchases
  • 50,000 bonus points for spending $4,500 in the first 90 days of membership. That’s worth $750 in travel purchases.
  • Airport lounge access through Priority Pass Select
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How Can I Destroy a Metal Credit Card?

Here’s a video I made for fun about ways to destroy a metal credit card.

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