Swipe in Style With These 6 Best Metal Credit Cards

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Swipe in Style With These 6 Best Metal Credit Cards

Alex CurtisSwipe in Style With These 6 Best Metal Credit CardsMillion Mile Secrets Team

Signing-up for credit cards through partner links earns us a commission. Here’s our full Advertising Policy.

What’s the Best Metal Credit Card for You?

Alex:   The other day I was at dinner with friends, and when the bill arrived, a buddy of mine offered to pick up the tab.  While this was very generous of them, what really turned heads is when they dropped their thick metal credit card on the card tray, making a loud thump.

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

Whats The Best Metal Credit Card
A Metal Card Like the Chase Sapphire Reserve Doesn’t Just Look Cool. It’s Also Got a Terrific Welcome Bonus and Ongoing Benefits!

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

Introducing the Best Metal Credit Cards

Banks are always looking for new ways to attract customers.  And metal cards seem to have a “WOW” factor plastic cards just don’t have.

Million Mile Secrets team member Scott still gets many remarks from people impressed by his Chase Sapphire Preferred Card when he hands it to them for purchases.  Plus friends and family can get metal card envy when they see the hard shiny metal card in your wallet.  Don’t worry, that’s not actually the reason Scott’s kept the card for over 4 years!  🙂

Via MarketWatch, some card companies use metal cards because folks are more likely to reach for the thick metal card in their wallet before other plastic cards.  Metal cards are more expensive to produce, but also much more durable than plastic cards.  So if you’re like me and wear out plastic cards quickly, a metal card could come in handy.

1.   Chase Sapphire Preferred

Link:   Chase Sapphire Preferred

Link:   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 3 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.

2.   Capital One® Venture® Rewards

Link:   Capital One Venture Rewards

Link:   Our Review of the Capital One Venture Rewards

The metal Capital One Venture Rewards card is designed for travelers who like to earn and redeem miles without complicated category spending or redemption requirements.  And 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 3 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 towards travel.  So the bonus is worth $500.  But you can NOT transfer Venture miles to airline and hotel partners.

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
Redeem Capital One Venture Miles for Train Tickets on Amtrak

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 and miles that are easy to redeem.

3.   Chase Sapphire Reserve

Link:   Chase Sapphire Reserve

Link:   Our Review of the Chase Sapphire Reserve

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, making it feel like a really exclusive card.

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 3 months from account opening.  

You’ll also get:

Whats The Best Metal Credit Card
If You Dine Out a Lot, Use the Chase Sapphire Reserve to Earn 3X Chase Ultimate Rewards Points per $1 at Restaurants, Even Overseas

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.  So you’ll get 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.

4.   AMEX Business Platinum Card

Link:   The Business Platinum® Card from American Express

Link:   Our Review of AMEX Business Platinum

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 & Feesscares some people away, remember that frequent travelers can more than earn back the annual fee through the value and perks that it includes.

The AMEX Business Platinum comes with an up to 75,000 AMEX Membership Rewards point welcome bonus after meeting tiered minimum spending requirements within the first 3 months.

You’ll earn:

More benefits include:

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

The AMEX Business Platinum Card is a small business card.  But don’t dismiss it, because 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.

5.   AMEX Platinum Card

Link:   The Platinum Card from American Express

Link:   Our Review of the AMEX Platinum

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 a thick metal card design.

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 3 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.

Whats The Best Metal Credit Card
AMEX Platinum Cardholders Can Enjoy a VIP Experience in Top Notch Airport Lounges, Like the Centurion Lounge in Houston

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

6.   Chase Amazon Prime Rewards

Link:   Amazon Prime Rewards

Link:   Our Review of Amazon Prime Rewards

If you spend a lot at Amazon or Whole Foods and are looking for a metal card, the Amazon Prime Rewards card is an interesting pick.  It recently got an overhaul with a beautiful brushed metal design.  And it’s a great option if you want a metal credit card with no annual fee.

You’ll earn a $70 Amazon gift card upon credit card approval (no minimum spending required).  This isn’t a terrific sign-up bonus, but if you like cash back and spend frequently in the bonus categories, it’s worth checking out.

The card comes with:

  • 5% back on Amazon or Whole Foods purchases if you have an Amazon Prime membership (otherwise 3% back)
  • 2% back on gas stations, restaurants, and drugstores
  • 1% back on everything else
  • No limits to how much you can earn
  • NO annual fee
Whats The Best Metal Credit Card
Amazon Shoppers Can Earn Big Cash Back With the Chase Amazon Prime Card – With NO Annual Fee

You can use your rewards at checkout directly on Amazon.com, or redeem for an account statement credit or electronic deposit.  If you are a heavy user of Amazon and / or Whole Foods, you can earn serious cash back with this metal credit card, all without worrying about an annual fee.

Choose this card:   If you are an Amazon Prime subscriber and want a metal card with no annual fee.

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

While metal credit cards have their perks, including increased durability, this 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.

Whats The Best Metal Credit Card
Give the Bank a Call for Assistance in Disposing of Your Metal Credit Card

Chase, for example, has the process down very smooth.  Simply call up the customer service number on the back of the card, and let them know that you want to dispose of the 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 properly.

Bottom Line

Metal credit cards get a lot of attention!  While they have a certain “wow” factor, we don’t recommend getting a card just because it’s metal.

That said, there are plenty of metal credit cards you might consider for their excellent welcome bonuses, bonus spending categories, or ongoing travel perks like lounge access.  Here are some of our favorites:

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.

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

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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