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Get Style & Value With the 7 Best Metal Credit Card Options for 2019

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Get Style & Value With the 7 Best Metal Credit Card Options for 2019

Alex CurtisGet Style & Value With the 7 Best Metal Credit Card Options for 2019Million Mile Secrets Team

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INSIDER SECRET: If you’re looking to stand out, the heaviest metal credit cards on this list are the The Business Platinum® Card from American Express and The Platinum Card® from American Express.

Metal cards aren’t new but they still often get attention when you use them because they’re so unusual. We don’t recommend applying for a card just because it’s metal, but it sure can add a little flash to your wallet.

Here are some of our favorite metal credit cards, which are also great for earning miles, points, or cash back.

Best Metal Credit Card Options for 2019

Banks are always looking for new ways to attract customers and metal cards have a wow factor that plastic cards just don’t have.

Million Mile Secrets team member Scott still gets remarks from people impressed by his Chase Sapphire Preferred Card when he hands it to them for purchases. Don’t worry, that’s not actually the reason Scott’s kept the card for over four years.

Some card companies use metal because folks are more likely to reach for the thick metal in their wallet before plastic cards. Metal cards are more expensive to produce but also much more durable than plastic cards. If you’re likely to wear out plastic cards quickly, a metal card could come in handy.

1. Capital One Savor

Apply for the Capital One Savor card

Read our Capital One Savor card review

With the Capital One Savor, you’ll earn $300 cash back after spending $3,000 on purchases within the first three months of account opening.

In addition to the cash bonus, you’ll earn bonus cash back in certain categories:

  • 4% cash back on dining
  • 4% cash back on entertainment
  • 2% cash back at grocery stores
  • 1% cash back on all other purchases

The card has a $95 annual fee, but it is waived for the first year.

The Capital One Savor card also comes with a few other interesting perks. For example, through May 2020 you’ll get 8% back on tickets purchased with Vivid Seats, an online marketplace where you can buy and sell tickets to concerts, sporting events and more.

And, through December 2019, you can get your monthly $9.99 Postmates Unlimited subscription fee reimbursed. To get the reimbursement, you just need to pay with your Savor card.  (The offer is not valid for the annual Postmates Unlimited membership which is only $7.99 per month.) With this subscription you’ll pay no delivery fees on orders of $15+, which could save you ~$2-$10 per order. And you’ll still earn 4% back on all Postmates orders.

Choose this card:  If you spend a lot on dining or entertainment purchases and like earning cash back rewards.

2. Capital One® Venture® Rewards

Apply for the Capital One Venture Rewards

Read our Capital One Venture review

The metal Capital One Venture Rewards card is designed for travelers who like to earn and redeem miles without spending bonuses complicated by categories.  There are plenty of options for redeeming Venture miles, like hotels (even boutique hotels), flights, trains, cruises, Airbnbs, Uber rides and more.

The Capital One Venture bonus is 50,000 Venture miles after you spend $3,000 on purchases in the first three months of opening your account. You’ll also get:

There’s a $95 annual fee, but it’s waived the first year.

You can redeem your Venture miles at a rate of 1 cent per mile toward travel. So the bonus is worth at least $500. And you can transfer Capital One Venture miles to 15 airlines partners. Check out this guide for more details on the best Capital One transfer partners and how to increase your Capital One miles value.

To redeem Venture miles for travel, use your Capital One Venture card to pay for your travel purchase. Once it’s posted to your account, you can “erase” the cost with miles. However, you must redeem the miles within 90 days of your purchase.

Whats The Best Metal Credit Card
Easily redeem Capital One Venture Miles for train tickets on Amtrak. (Photo by Jasmin Baron/Million Mile Secrets)

The Capital One Venture is actually a bit heavier than the Chase Sapphire Preferred and has a silver metallic finish.

Need some help deciding? Check out our post about the Capital One Venture vs Chase Sapphire Preferred.

Choose this card:  If you want a simple rewards program, miles that are easy to redeem and the ability to transfer miles to airlines.

3. Amex Marriott Bonvoy Brilliant

Apply for the Amex Marriott Bonvoy Brilliant card

Read our Marriott Bonvoy Brilliant Amex review

The Marriott Bonvoy Brilliant™ American Express® Card comes with 75,000 Marriott points after spending $3,000 on purchases in the first three months of account opening.

In addition to the welcome bonus, you’ll get:

  • Up to $300 annual statement credit at participating Marriott hotels (including room charges)
  • Automatic Gold Elite Status (25% bonus points on paid stays, guaranteed late checkout, room upgrades when available)
  • Platinum Elite Status (Welcome gift of either points, breakfast or an amenity; lounge access where available; room upgrade, including suites when available, all after spending $75,000 on purchases in a calendar year
  • Annual free night (at participating Marriott hotels worth up to 50,000 points) after you renew your card
  • $100 property credit for qualifying charges when you use your Marriott Bonvoy Brilliant Card to book direct using a special rate for a two-night minimum stay at the Ritz-Carlton or St. Regis
  • Priority Pass Membership for airport lounges (you can bring up to two guests)
  • Global Entry or TSA PreCheck Credit (a value of up to $100) every four years
  • Terms Apply

The card comes with a $450 annual fee (see Rates & Fees), but you’ll get lots of additional money-saving perks that can more than offset the Marriott Bonvoy Brilliant annual fee.

Marriott is one of the largest hotel chains in the world, so you shouldn’t have much of a problem finding a hotel where you want to go. Free nights start at just 7,500 Marriott points for Category 1 hotels and go all the way up to 85,000 points per night for the top-tier Category 8 locations. When you consider the card’s annual free night certificate, which you can use at hotels costing up to 50,000 points per night, you could easily book a nice weekend away with the intro bonus.

Marriott points transfer to Alaska Airlines, which is a great program to use for booking Cathay Pacific business-class awards. (Photo by Jasmin Baron/Million Mile Secrets)

But Marriott points are also the best hotel points to earn for booking flights because they transfer to 40+ airlines. Marriott’s transfer partners include airlines that don’t partner with any other major transferable currency, including Alaska Airlines, Japan Airlines and American Airlines.

These can be very valuable partners. For example, Alaska Airlines allows a free stopover on one-way award flights. Million Mile Secrets team member Jason has taken advantage of this rule to book a flight back to the US from Japan in Cathay Pacific business class with a free four-day visit to Hong Kong. So there is no shortage of options for maximizing your Marriott points value.

Choose this card:   If you love earning Marriott points.

4. Chase Sapphire Preferred

Apply for the Chase Sapphire Preferred

Read our Review of the Chase Sapphire Preferred

Many of us on the Million Mile Secrets team started out with the Chase Sapphire Preferred and it’s still our pick for #1 best first credit card in our hobby. Not only does it look slick, with a shiny blue metallic finish, but also offers incredible value and flexibility.

With the Chase Sapphire Preferred, you’ll earn 60,000 Chase Ultimate Rewards points when you spend $4,000 on purchases in the first three months of account opening. That’s worth $750 in travel when you redeem points for travel through the Chase Ultimate Rewards travel portal.

Plus, you’ll get:

  • 2x Chase Ultimate Rewards points per $1 spent on travel and dining at restaurants
  • 1x Chase Ultimate Rewards Points per $1 spent on all other purchases
  • NO foreign transaction fees
  • Primary car rental insurance – Covers damage due to theft or collision to your rental car, when you pay for the rental with your card
  • Trip delay reimbursement – Get up to $500 back per ticket when your trip is delayed more than 12 hours

The card has a $95 annual fee.

You’ll get potentially much more value for your points when you transfer points to travel partners like Hyatt or United Airlines.

Million Mile Secrets team member Jasmin’s children refer to the Chase Sapphire Preferred as the “fancy” blue card, so it even impresses kids.

Choose this card: If you’re new to miles and points, and are looking for your first travel credit card.

5. Amex Platinum Card

Apply for The Platinum Card from American Express

Read Amex Platinum Review

The Amex Platinum card is designed for frequent travelers, especially those who appreciate lounge access. This card has been around for a long time as a plastic card, but in 2017 the design was refreshed and with it came a change to thick metal.

Remember that this is a charge card, like the Amex Business Platinum Card, so you’ll have to pay the balance in full each month.

With The Platinum Card® from American Express, you can earn 60,000 Amex Membership Rewards points after spending $5,000 on purchases within the first three months of opening your account. You’ll also get:

The $550 annual fee is not waived the first year (see rates & fees). But if you can make the most of the airline incidental fee credit, Uber credit, and perks like airport lounge access, you can more than make up for it.

Amex Platinum cardholders can enjoy a VIP experience in top notch airport lounges, like the Centurion lounge in Hong Kong. (Photo by First Class Photography/Shutterstock)

Choose this card:   If you are a frequent traveler and enjoy luxurious airport lounges.

6. Chase Sapphire Reserve

Apply for the Chase Sapphire Reserve

Read Chase Sapphire Reserve review

If you spend a lot on travel and dining and enjoy airport lounges, the Chase Sapphire Reserve is a good pick. In fact, we rate it the top premium travel credit card. Just like the Sapphire Preferred, this one is also made of metal with a deeper blue/black design. It feels exclusive.

When you sign up for the the Chase Sapphire Reserve card, you’ll earn 50,000 Chase Ultimate Rewards points after you spend $4,000 on purchases in the first three months from account opening.  

You’ll also get:

If you dine out a lot, use the Chase Sapphire Reserve to earn 3x Chase Ultimate Rewards points per $1 at restaurants, even overseas. (Photo by Louno Morose/Shutterstock)

The $450 annual fee is not waived the first year. The sign-up bonus is worth $750 in free travel, plus you’ll get up to $300 in annual credit for travel purchases — a total value of $1,050 in travel in the first year. And going forward, the annual travel credit, airport lounge access, and other perks can more than offset the annual fee.

Choose this card:  If you travel frequently and spend a lot on travel and dining, especially abroad.

7. Amex Business Platinum Card

Apply for The Business Platinum® Card from American Express

Read Amex Business Platinum review

The most frequent travelers can take advantage of huge rewards with the Amex Business Platinum Card, which also sports a beautiful metal design. While the $595 annual fee (not waived first year) (see Rates & Fees) scares some people away, remember that frequent travelers can more than earn back the Amex Business Platinum annual fee through the value and perks that it includes.

The Amex Business Platinum comes with a welcome bonus of up to 75,000 Amex Membership Rewards points after meeting tiered minimum spending requirements within the first three months.

You’ll earn:

  • 50,000 Amex Membership Rewards points after you spend $10,000 on purchases in the first three months of account opening.
  • 25,000 Amex Membership Rewards points after you spend an additional $10,000 on qualifying purchases within the same time frame

More benefits include:

  • 1.5x Amex Membership Rewards points on single purchases of $5,000+
  • 5x Amex Membership Rewards points when you book airfare and hotels through the Amex travel portal
  • 35% of your points back for ALL First Class or Business Class flights booked through the Amex travel portal using Pay With Points
  • 35% of your points back for all flights, including coach tickets, booked with your selected airline through the Amex travel portal using Pay With Points
  • Up to $200 in statement credits per calendar year for airline incidentals with your selected airline (luggage fees, inflight food and drink, etc.)
  • Ability to book hotel stays through Amex Fine Hotels & Resorts
  • Amex Premium Roadside Assistance
  • Access to airport lounges (Delta, Priority Pass, Airspace, Escape and American Express Centurion Lounges)
  • Bonus points or statement credits when taking advantage of an Amex Offer
  • Elite car rental status with Avis, Executive status with National Car Rental, and Gold Plus Rewards with Hertz
  • Free Hilton Honors Gold elite status (free breakfast and upgrades when available)
  • Free Gold Marriott status
  • 10 free Gogo in-flight Wi-Fi passes each calendar year
  • Statement credit for Global Entry or TSA PreCheck
  • Terms Apply
Whats The Best Metal Credit Card
Use the complimentary Hilton Gold status From the Amex Business Platinum to get free breakfast at hotels like the Conrad Tokyo. (Photo by Jasmin Baron/Million Mile Secrets)

The Amex Business Platinum Card is a card for small businesses, but don’t ignore it. It’s easier than you might realize to qualify for a business credit card.

Plus, Amex business credit cards do not appear on your personal credit report. So they’re useful if you want to stay under the Chase “5/24” rule.

Keep in mind, this is a charge card. So you’ll have to pay your balance in full every month, which we recommend anyway because paying interest can negate the value of any rewards you earn.

Choose this card:  If you run a small business and you travel frequently.

Wait … How Do You Dispose of a Metal Credit Card?

While metal credit cards have their perks, including increased durability, metal can be a hassle when it comes time to dispose of the card.

Do not try to shred your metal credit card (unless you’re in the market for a new shredder). Instead, contact the bank and ask them how to dispose of the card. Most companies who issue these metal cards have procedures to help you with the process.

Chase, for example, has the process down. Simply call up the customer service number on the back of the card and let them know that you want to dispose of it. Chase will send you a package in the mail with return postage attached which you can use to return the card. Once they receive it, they will dispose of it.

Recap of the Best Metal Credit Card Options for 2019

These aren’t the only metal cards on the market. Let us know if we missed your favorite!

For the latest tips and tricks on traveling big without spending a fortune, please subscribe to the Million Mile Secrets daily email newsletter.

For rates and fees of the Amex Platinum card, please click here.

For rates and fees of the Amex Business Platinum card, please click here.

For rates and fees of the Amex Marriott Bonvoy Brilliant card, please click here.

Featured photo by Lars Poyansky/Shutterstock.

Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

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What kind of metal is the AMEX Business Prime card made of?

Can you transfer points from Chase to United Mileage Plus program and from there to Star Alliance? Then can fly with any member in the alliance?

Jason Stauffer

You can transfer Chase Ultimate Rewards points to United Airlines. And then you can use your United Airlines miles to book awards on Star Alliance partner airlines.

But you can’t transfer United Airlines miles to another airline.

Partner awards will cost a different amount of United Airlines miles than awards on United Airlines flights. You can see the different prices by searching the interactive United Airlines award chart:

https://www.united.com/web/en-US/apps/mileageplus/awards/travel/awardTravel.aspx