Best Metal Credit Cards of 2024: Metal credit cards are status symbols and convey a sense of luxury and exclusivity. In addition to attractive and durable designs, these cards often include premium benefits such as travel rewards, concierge services, and exclusive privileges. If you’re looking for a card that combines functionality and sophistication, here’s a comprehensive guide to the best metal credit cards available in 2024.
What are Metal Credit Cards?
Unlike traditional plastic cards, metal credit cards are made from materials like stainless steel, titanium or even gold. They are characterized by their weight and unique design and are often associated with premium benefits for high-income earners or frequent travelers.
The best metal credit cards.
1. Platinum Card from American Express
The Platinum Card from American Express is a premium metal card known for its many travel benefits.
- Key Benefits:
Up to $200 annual airfare credit.
Access over 1,400 airport lounges worldwide with the Global Lounge Collection.
Or $200 Uber Cash per year.
Complimentary Hilton Honors Gold and Marriott Bonvoy Gold Elite status.
Up to $100 credit toward Global Entry or TSA PreCheck. - Awards:
5X Points on prepaid flights and hotels booked through Amex Travel.
Or 1X points on all other purchases. - Annual fee: $695.
This card is ideal for frequent travelers who value luxury benefits and exclusive services.
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2. Chase Sapphire Reserve
A favorite among travel enthusiasts, the Chase Sapphire Reserve offers the perfect combination of travel rewards and everyday benefits.
- Key Benefits:
$300 annual travel credit.
Select Priority Pass™ airport lounge membership.
Complete protection while traveling and shopping.
Or 50% more value when redeeming points through Chase Ultimate Rewards®. - Awards:
Or 3X points on travel and dining.
Or 10x points on hotels and rental cars booked through Chase Ultimate Rewards.
Or 1X points on all other purchases. - Annual fee: $550.
This card is a great option for people who frequent restaurants or travel. It offers unmatched redemption options through the Chase portal.
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3. Capital One
The Capital One Premium Metal Card combines affordability with premium travel benefits.
- Key Benefits:
$300 annual travel credit when booked through Capital One Travel.
Access to Capital One Lounge and Priority Pass Lounge.
Honorary status as Chairman of Hertz. - Awards:
Or 2X miles on all purchases.
Or 5 miles on flights booked through Capital One Travel and 10 miles on hotels and rental cars. - Annual fee: $395.
For travelers who want a premium card with a low annual fee, Venture
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4. American Express Gold Card
While the Amex Gold Card isn’t as expensive as the Platinum Card, it offers a premium experience with its metallic design and food-focused rewards.
- Key Benefits:
$120 dining credit ($10/month) at select restaurants and food delivery services.
Or $120 Uber Cash per year. - Awards:
or 4X points on food and groceries (up to $25,000 per year).
Or 3X points on flights booked through Amex Travel.
Or 1X points on all other purchases. - Annual fee: $250.
This card is ideal for foodies and travelers who want luxury without breaking the bank.
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5. JP Morgan Reserve Card
JPMorgan Reserve Card is a special metal card available only to JPMorgan Private Bank customers.
- Key Benefits:
Same benefits as Chase Sapphire Reserve, including $300 travel credit and Priority Pass Select membership.
First class customer service and personal concierge. - Awards:
Or 3X points on travel and dining.
Or 1X points on all other purchases. - Annual fee: $595.
This card is a status symbol reserved for the super rich.
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6. Apple card
The Apple Card is a minimalist titanium card designed for Apple users that offers free and convenient rewards.
- Key Benefits:
No annual fees, foreign transactions or delays.
Easy integration with Apple Wallet. - Awards:
Or 3% cash back on Apple products and select retailers.
Or 2% cashback on purchases made using Apple Pay.
Or 1% cash back on all other purchases. - Annual Fee: $0.
This map is ideal for tech-savvy users who prefer simplicity and transparency.
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Factors to Consider When Choosing a Metal Credit Card
- Annual Fees:
Metal cards generally have higher annual fees. Make sure the rewards and benefits justify the costs. - Award Program:
Choose a card with rewards that match your spending habits, whether it’s travel, dining or everyday shopping. - Diet for Travel:
If you travel frequently, look for cards that include lounge access, travel credits and comprehensive travel insurance. - Physical Training:
Some metal cards, like the JP Morgan Reserve, are accepted by invitation only, while others require an excellent credit history.
April 5:
Metal cards often have high interest rates, so it’s best to pay off the balance in full to avoid interest charges.
Why Choose a Metal Credit Card?
- Durability: Metal cards resist wear and tear better than traditional plastic cards.
- Prestige: Unique design and weight often attract attention and create a sense of luxury.
- Special benefits: Many metal cards offer premium benefits such as concierge service, travel credit and higher rewards rates.
Metal credit cards combine functionality and luxury, making them a great choice for people who want to stand out while enjoying premium benefits. From the travel benefits of the Amex Platinum Card to the affordability of the Apple Card, there’s a metal credit card for every type of expense.
Before you sign up, consider your spending habits, lifestyle and financial goals to choose the card that best meets your needs. If you like exclusivity, travel rewards and great benefits, a metal credit card is definitely worth considering.