2023’s top metal credit cards

2023's top metal credit cards

The Rise of Metal Credit Cards: More Than Just a Status Symbol

credit card

Credit cards have become an essential tool for many individuals, offering convenience and benefits that can enhance financial transactions and provide valuable rewards. In recent years, metal credit cards have gained popularity, with their sleek designs and weighty feel giving off an air of exclusivity and sophistication. However, there is more to these metal cards than just being a status symbol.

Setting the Record Straight: Metal Cards are Not Just for the Privileged Few

Contrary to popular belief, metal credit cards are not reserved for the elite. In fact, some metal cards do not charge an annual fee and can be obtained with a less-than-excellent credit score. The metallic ting that resonates when you drop the card on a table may create a surge of dopamine, but it does not automatically place you in the 1%. These cards can be accessible to a wide range of individuals, offering benefits and rewards that complement different spending habits.

Why Choose a Metal Credit Card?

One of the main reasons individuals opt for metal credit cards is the elevated feeling of luxury and exclusivity. The weight and prestige associated with these cards make every transaction feel more significant. Additionally, metal cards often come with a range of benefits and rewards that can enhance the overall credit card experience.

However, it is important to note that not all metal credit cards are created equal. Some may entice users with their stunning designs but offer inferior benefits compared to plastic cards. It is crucial to carefully consider the perks and value offered by a metal card before deciding to pay an annual fee. After all, the ultimate goal should be to find a card that aligns with your financial goals and lifestyle.

The Best Metal Credit Cards in Each Category

To help you navigate the world of metal credit cards, we have highlighted the best credit cards from each major category. These cards have been carefully selected based on a set of criteria, including a sizable welcome bonus, above-average return rates, and valuable ongoing benefits. Here are the top choices:

Best Overall Metal Credit Card: Capital One Venture X Rewards Credit Card

The Capital One Venture X Rewards Credit Card offers a generous welcome bonus of 75,000 miles when you spend $4,000 on purchases in the first three months. With a host of benefits, including up to $300 in statement credits toward Capital One Travel bookings and access to luxury hotel programs, this card justifies its $395 annual fee. It is an excellent choice for travelers looking to maximize their rewards and enjoy top-notch travel insurance coverage.

Best Starter Metal Credit Card: Chase Sapphire Preferred® Card

The Chase Sapphire Preferred® Card provides a solid foundation for those new to the world of travel credit cards. With a welcome bonus of 60,000 points, valuable travel insurance coverage, and a robust reward structure, this card offers great value for its $95 annual fee. Whether you’re dining out, streaming, or shopping online, the Chase Sapphire Preferred® Card rewards your everyday expenses and provides flexibility in redeeming points through the Chase Ultimate Rewards program.

Best Metal Credit Card for Travel Insurance: Chase Sapphire Reserve®

For frequent travelers seeking comprehensive travel insurance coverage, the Chase Sapphire Reserve® excels in this area. With a welcome bonus of 60,000 points, enhanced redemption rates, and higher earning rates in select categories, this card offers exceptional value for its $550 annual fee. The card’s primary rental car insurance, trip delay reimbursement, and other travel-related perks make it a top choice for those looking for peace of mind and luxury travel experiences.

Best Metal Card for Airport Lounge Access: The Platinum Card® from American Express

The Platinum Card® from American Express stands out as the go-to card for airport lounge access. With a welcome bonus of 80,000 Membership Rewards® points, this card offers a wide variety of lounge options, including Amex Centurion lounges, Priority Pass lounges, Delta Sky Club lounges, and more. The annual fee of $695 may seem hefty, but the extensive list of benefits, such as statement credits, elite status with hotel chains, and premium travel insurance, make the card a true value proposition for frequent travelers.

Best Hotel Metal Credit Card: Marriott Bonvoy Brilliant® American Express® Card

The Marriott Bonvoy Brilliant® American Express® Card rewards travelers with an elevated welcome bonus of 150,000 Marriott Bonvoy points. With a range of benefits, including automatic Marriott Bonvoy Platinum elite status, an annual free night award, and statement credits for eligible purchases, this card justifies its $650 annual fee. For those who frequently stay at Marriott properties and enjoy the perks of elite status, the Marriott Bonvoy Brilliant® American Express® Card offers exceptional value.

Best Airline Metal Credit Card: Delta SkyMiles® Reserve American Express Card

The Delta SkyMiles® Reserve American Express Card caters specifically to Delta frequent flyers. With a welcome bonus of 60,000 miles and a range of benefits, including free checked bags, priority boarding, and Delta Sky Club access, this card offers excellent value for its $550 annual fee. If you are a loyal Delta customer seeking a card that enhances your travel experience and provides exclusive perks, the Delta SkyMiles® Reserve American Express Card is an excellent choice.

Best Small Business Metal Card: The Business Platinum Card® from American Express

For small business owners, The Business Platinum Card® from American Express offers a wide array of benefits and rewards. With a welcome bonus of 120,000 Membership Rewards® points, this card provides opportunities for business-related expenses to earn valuable points. The card’s suite of statement credits, elite status with hotels, and exceptional travel insurance coverage justify its $695 annual fee. If you want a card that caters to the unique needs of your small business and provides premium travel benefits, this is the card for you.

Best Cash Back Metal Credit Card: Capital One Savor Cash Rewards Credit Card

The Capital One Savor Cash Rewards Credit Card offers competitive cash back rates along with a $300 cash bonus for qualifying spending. With bonus categories such as dining, entertainment, and popular streaming services, this card rewards everyday spending in areas that matter most to many individuals. Although it incurs a $95 annual fee, the card’s high return rates and potential to convert cash back into valuable Capital One miles make it a worthwhile option for those seeking both cash rewards and a metal card experience.

Best Metal Credit Card for Mobile Payments: U.S. Bank Altitude® Reserve Visa Infinite® Card

The U.S. Bank Altitude® Reserve Visa Infinite® Card is an excellent choice for those who frequently use mobile payment options. With an impressive earning rate of 3 points per dollar spent through mobile wallets like Apple Pay and Google Pay, this card offers substantial rewards for everyday purchases. Additional benefits, including travel statement credits, airport lounge access, and premium travel insurance, make this card a solid choice, despite its $400 annual fee. If you prefer to use mobile payments for most of your transactions, this card maximizes your rewards in that space.

Best Metal Credit Card for Online Shopping: Prime Visa

For avid online shoppers, the Prime Visa card offers a 5% cash back rate on Amazon and Whole Foods Market purchases. With additional bonuses for various categories, this card rewards common online spending habits. While it technically has no annual fee, the card requires an Amazon Prime membership, which costs $139 per year. With the potential for 10% back on rotating Amazon items and interest-free payment options for certain purchases, the Amazon Prime card provides significant value for frequent online shoppers.

Best No Annual Fee Metal Credit Card: U.S. Bank Altitude® Go Visa Signature® Card

With a rewarding earning structure and no annual fee, the U.S. Bank Altitude® Go Visa Signature® Card stands out among its counterparts. Offering generous points per dollar spent on dining, grocery stores, gas stations, and eligible streaming services, this card provides exceptional value for day-to-day spending. Additionally, the card features a $15 annual statement credit for streaming expenses and a 0% introductory APR on purchases and balance transfers for the first 12 billing cycles. If you want the durability and prestige of a metal card without the burden of an annual fee, the U.S. Bank Altitude® Go Visa Signature® Card is a perfect choice.

Best Metal Credit Card for Less-than-perfect Credit: X1 Card

The X1 Card caters to individuals with less-than-perfect credit by considering factors beyond just credit score during the approval process. Offering multiple points per dollar spent and customizable virtual credit cards, the X1 Card provides unique features for users. While it currently does not offer a welcome bonus, the potential for additional points through successful referrals adds another layer of rewards. For those looking to establish or rebuild their credit while enjoying the benefits of a metal card, the X1 Card offers a compelling choice.

Trusting Our Recommendations

You may be wondering why you should trust our credit card recommendations. Here at Insider, our credit cards team meticulously examines each card’s merits to highlight the ones that provide the most value for different financial goals. We strive to provide unbiased evaluations and clear information about cards that may not meet our standards. Transparency and integrity are paramount in our evaluations, ensuring that you have the most accurate and reliable information available when making credit card decisions.

In conclusion, metal credit cards offer more than just a prestigious status symbol. They provide a range of benefits, rewards, and perks that can enhance your financial journey, whether you are a frequent traveler, an online shopper, a business owner, or someone with less-than-perfect credit. By understanding the value and unique features of each card, you can choose the metal credit card that best aligns with your lifestyle and financial goals.