26 Metal Credit Cards Available in 2020

There’s no single card that can claim the title of “best” metal credit card. What’s best for you ultimately depends on what you’re looking for.

For example, The Platinum Card® from American Express (Review) might suit you best if you’d like luxurious airport lounge access, whereas the Capital One Savor Cash Rewards Credit Card (Review) is probably a better fit for foodies.

There are even metal business credit cards, like the American Express® Business Gold Card (Review) and the Amazon Business Prime American Express Card (Review).

Most metal credit cards are travel rewards cards, so it’ll be much easier finding a metal card that makes sense for you if you’re an avid traveler.

If you find a metal card that complements your goals, spending habits, and credit standing, you have to apply the same way you’d get any credit card.

Submit an application and wait for a decision. That’s all there is to it. Just bear in mind that you’ll get a credit inquiry on your credit reports, and in many (but not all) cases, pay an annual fee.

Unlike the plastic credit cards that find a home inside your wallet, you probably can’t grab a pair of scissors and simply cut up your metal card. Whether you’ve decided it no longer makes financial sense to keep open or have become the victim of a credit card scam and need a replacement, you’ll likely have to take a different approach.

The safest way to destroy metal credit cards is to contact your card issuer directly and inquire about any disposal procedures it may have. Issuers like Amex and Chase will send you a prepaid envelope to return your metal credit card so they can destroy it for you. You may have even received a return envelope when you first got your card.

If you’re a DIY-kinda person and want to try destroying a metal card on your own, take note that you’ll have to be quite thorough — information is stored in the chip, the magnetic strip, and as text on the card itself.

You could mangle the metal, but that won’t necessarily be enough. Do you know how to demagnetize a mag strip? Can you make sure no personal information can be retrieved? It might be harder than you think, so consider sending the card to the issuer.

These are currently the heaviest metal credit cards you can apply for, all weighing in at 22 grams:

These cards (issued by Luxury Card) aren’t particularly great, because you can get better features from less expensive reward and travel cards. But their benefits may make the cards worthwhile in some cases.

For some better options take a look at the heaviest metal credit cards you can get.

Metal credit cards aren’t inherently better than their non-metal counterparts. The material the card is made of typically has no effect on the card’s features, although there have been a few cases of metal cards getting stuck in card readers.

Several of the best premium credit cards are metal, but that doesn’t really mean anything, because there are metal cards we don’t like, too.

For rates and fees of the American Express® Gold Card, please click here.

For rates and fees of The Platinum Card® from American Express, please click here.

For rates and fees of The Business Platinum Card® from American Express, please click here.

For rates and fees of the American Express® Business Gold Card, please click here.