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The 12 Best Metal Credit Cards in March 2024 [Personal and Business]

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Metal credit cards aren’t a new concept. Though metal has been the standard for many prestigious credit cards over the years, metal doesn’t always mean it’s a great card. The truth is, this space has been crowded by a ton of issuers that offer a metal card with few benefits.

In fact, a few metal cards offer little in the way of benefits, and those who hold those cards are paying huge annual fees just for a piece of metal.

In this guide, we’ll show you how to get the best of both worlds: heft and perks.

Being smart about which metal card you get will go a long way to earning thousands of dollars’ worth of rewards for yourself.

Let’s get into it!

Hide SummaryShow Summary

Best Metal Credit Cards Summary

  • Chase Sapphire Preferred® Card – Best Overall Value
  • American Express® Gold Card – Best for Earning Points at Restaurants and U.S. Supermarkets
  • The Platinum Card® from American Express – Best Card for Worldwide Lounge Access
  • Capital One Venture X Rewards Credit Card – Best for Free Authorized Users
  • Chase Sapphire Reserve® – Best for Travel
  • Capital One Venture Rewards Credit Card – Best for Low Annual Fee
  • Marriott Bonvoy Brilliant® American Express® Card – Best Hotel Card
  • The Business Platinum Card® from American Express – Best Business Card for Airport Lounges
  • American Express® Business Gold Card – Best Business Card for Earning Points
  • Delta SkyMiles® Platinum Business American Express Card – Best Delta Business Card
  • Amazon Business Prime American Express Card – Best Business Store Card
  • United Club℠ Business Card – Best United Business Card

What Is a Metal Credit Card?

Metal credit cards are essentially the same as all other credit cards, with the notable exception being that, instead of being made from plastic, they are made from metal.

They function identically to all other credit cards, allowing you to pay via swipe, tap, or chip.

It’s common for metal credit cards to come with an annual fee, and in addition to metal cards being more durable than plastic cards, many cardholders feel that the metal finish feels much more premium than their plastic counterparts.

What To Look for in a Metal Credit Card

Some metal credit cards weigh more than others. But that doesn’t mean you should just look for the heaviest credit card out there.

Instead, look for the best overall value in a credit card. In addition to considering the aesthetic appeal and feel of the credit card, it’s important to choose the card that fits your situation the best.

For example, the products that are best for you will be different if you’re looking for a low-annual-fee card with decent rewards than if you’re looking for an ultra-premium card with the best travel perks in the world.

If you’re a frequent traveler, consider a card that offers the best luxury travel benefits available, such as lounge access, hotel credits, and access to benefits including free breakfast or room upgrades.

We’ll show you the best metal cards with lots of rewards and benefits, looking at personal cards first, followed by business cards.

The 7 Best Metal Personal Credit Cards

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Card NameWeightWelcome OfferAnnual Fee
Chase Sapphire Preferred® Card13 gramsEarn 75,000 points after spending $4,000 on purchases in the first 3 months.$95
American Express® Gold Card15 gramsEarn 60,000 points when you spend $6,000 on purchases in the first 6 months.$250
(rates & fees)
The Platinum Card® from American Express17 gramsEarn 80,000 points after spending $8,000 on purchases in the first 6 months.$695
(rates & fees)
Capital One Venture X Rewards Credit Card17 gramsEarn 75,000 miles when you spend $4,000 on purchases in the first 3 months.$395 (rates & fees)
Chase Sapphire Reserve®13 gramsEarn 75,000 points after spending $4,000 on purchases in the first 3 months.$550
Capital One Venture Rewards Credit Card16 gramsEarn 75,000 miles when you spend $4,000 on purchases in the first 3 months.$95
(rates & fees)
Marriott Bonvoy Brilliant® American Express® Card15 gramsEarn 95,000 points after spending $6,000 within the first 6 months.$650
(rates & fees)

Best Metal Card for Overall Value: Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.

A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.
Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's worth over $900 when redeemed through Chase Travel℠.
75,000 points
$1,500
$95
21.49%-28.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Chase Sapphire Preferred® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance. With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

Pros
  • 5x points on all travel booked via the Chase Travel portal
  • 5x points on select Peloton purchases over $150 (through March 31, 2025)
  • 5x points on Lyft purchases (through March 31, 2025)
Cons
  • $95 annual fee
  • No elite benefits like airport lounge access or hotel elite status
  • Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s over $900 when you redeem through Chase TravelSM.
  • Enjoy benefits such as 5x on travel purchased through Chase TravelSM, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase TravelSM. For example, 75,000 points are worth $937.50 toward travel.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
  • Member FDIC
Financial Snapshot
  • APR: 21.49%-28.49% Variable
  • Foreign Transaction Fees: None
Rewards Center

Chase Ultimate Rewards

The Chase Sapphire Preferred card, weighing in at 13 grams (0.46 ounces), is one of our favorite credit cards of all time, especially if you’re looking for premium rewards with a smaller price tag.

Currently, Chase is offering a great welcome offer on the card, which is yet another reason you should consider applying for the best rewards credit card available to beginners.

Earn up to 5x points as shown below:

  • 5x Ultimate Rewards points per dollar spent on all travel booked through Chase Travel
  • 5x points on Peloton equipment and accessory purchases over $150 (through March 31, 2025)
  • 3x Ultimate Rewards points per dollar spent on dining, select streaming services, and online groceries
  • 5x Ultimate Rewards points per dollar spent on Lyft purchases (through March 2025)
  • 2x Ultimate Rewards points per dollar spent on travel
  • 1x Ultimate Rewards points per dollar spent on all other purchases

Earning up to 5x points is great, but you can even get a 10% anniversary rewards bonus every year.

This credit card has a $50 annual credit toward hotel stays booked through the Chase travel portal.

Also, get some of the best travel insurance available, including primary rental car coverage, trip delay insurance, lost baggage coverage, travel accident insurance, trip cancellation and interruption coverage, and more. You get all of this, plus extended warranty, purchase protection, and no foreign transaction fees.

Best Metal Card for Dining: American Express® Gold Card

BEST FOR DINING
American Express® Gold CardTerms Apply / Rates & Fees
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!

Learn More(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!
Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months.
60,000 points
$1,320
$250
See Pay Over Time APR
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The American Express® Gold Card is a game-changer.

With this card, you can earn 4x Membership Rewards points at restaurants and you’ll also earn 4x Membership Rewards points at U.S. supermarkets on up to $25,000 per calendar year in purchases, then 1x.

There isn’t another card on the market that offers a 1-2 punch like this. Of course, there are several other benefits of the Gold Card as well, including extra monthly dining rewards and more.

Pros
  • 4x points per dollar at restaurants, plus takeout and delivery in the U.S.
  • 4x points per dollar at U.S. supermarkets, up to $25,000 per calendar year in purchases; and 1x thereafter
  • 3x points per dollar on flights purchased directly from airlines or at AmexTravel.com
Cons
  • Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
  • Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
  • Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
  • Choose the color that suits your style. Gold or Rose Gold.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
Financial Snapshot
  • APR: See Pay Over Time APR
  • Foreign Transaction Fees: None
Rewards Center

American Express Membership Rewards

The Amex Gold card is one of our top picks, especially if you spend a lot on food.

This 15-gram (0.53-ounce) metal card offers a whopping 4x points per dollar spent at restaurants (including takeout and delivery in the U.S.), 4x points at U.S. supermarkets (on up to $25,000 in purchases per calendar year), and 3x points per dollar spent on flights purchased directly with the airline or at AmexTravel.com. You earn 1x points per dollar spent on all other purchases.

Plus, earn up to $120 in Uber Cash for rides or food deliveries in the U.S. ($10 per month) and up to $120 in dining credits at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar, and select Shake Shack locations ($10 per month). Note that enrollment is required for some benefits, so make sure you’re signed up to get the most out of your card’s benefits.

As you can see, this card is best for foodies, but travel benefits are available, too, including access to The Hotel Collection, which offers a room upgrade (subject to availability) and $100 property credit on bookings of at least 2 nights at eligible properties.

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

BEST LOUNGE ACCESS
The Platinum Card® from American ExpressTerms Apply / Rates & Fees
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

Learn More(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.
Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on the Card in your first 6 months of Card Membership.
80,000 points
$1,760
$695
See Pay Over Time APR
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than The Platinum Card® from American Express.

Make no mistake — the Amex Platinum card is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access, hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.

Pros
  • The best airport lounge access out of any card (by far) — enjoy access to over 1,400 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges, Plaza Premium Lounges, and many more!
  • 5x points per dollar spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
  • 5x points per dollar spent on prepaid hotels booked with AmexTravel.com
Cons
  • $695 annual fee (rates and fees)
  • Airline credit does not cover airfare (only incidentals like checked bags)
  • Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
  • $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
  • The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
  • $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
  • $189 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
  • Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 year period for TSA PreCheck® application fee for a 5-year plan only (through a TSA PreCheck® official enrollment provider), when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
  • Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
  • Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
  • $695 annual fee.
  • Terms Apply.
Financial Snapshot
  • APR: See Pay Over Time APR
  • Foreign Transaction Fees: None
Rewards Center

American Express Membership Rewards

Our favorite metal card for personal use is the Amex Platinum card. And although it’s not a terribly surprising pick given the benefits, it’s our absolute top choice.

The Amex Platinum card weighs around 17 grams (0.6 ounces), making it one of the heaviest ultra-premium cards in the world.

This classic metal card offers up to 5x points for flights booked directly with airlines or with AmexTravel.com (up to $500,000 on these purchases per calendar year) and 5x on prepaid hotels booked with AmexTravel.com, enabling you to get a return on spending of up to 11%, by our valuations.

What’s really special about this card, though, is how you can get access to the most airport lounges in the world from a single card, thanks to the American Express Global Lounge Collection. This includes Centurion LoungesInternational American Express Centurion LoungesPlaza Premium LoungesDelta Sky Clubs (when flying Delta on the same day), Escape Lounges, select Virgin Clubhouses, select Lufthansa Lounges (when flying Lufthansa on the same day), and of course, Priority Pass lounges (upon enrollment).

Furthermore, you get exceptional travel benefits, including access to Fine Hotels & Resorts and The Hotel Collection, complimentary Hilton Honors Gold and Marriott Bonvoy Gold Elite status (enrollment necessary), and rental car benefits and/or status with Avis, Hertz, and National.

The card also grants you travel credits, including up to $200 in airline fee credit, up to $200 in prepaid hotel credit on eligible stays, $189 in CLEAR Plus credit, and up to $100 on a Global Entry application fee statement credit or up to a $85 on a TSA PreCheck application fee statement credit.

The perks extend beyond travel, too, because you also get up to $100 in Saks Fifth Avenue credits, up to $240 in digital entertainment credits, up to a $12.95 monthly Walmart+ credit, up to $300 in Equinox credits, and $200 annually in Uber Cash for rides or Uber Eats orders in the U.S. Many benefits require enrollment, so be sure to explore your Amex account to get the most out of your card.

Remember, this card also offers purchase protection, extended warranty, access to Amex Offers, no foreign transaction fees, and zero-liability fraud coverage (rates & fees).

Best Metal Card for Free Authorized Users: Capital One Venture X Rewards Credit Card

Capital One Venture X Rewards Credit CardTerms Apply / Rates & Fees
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.

Learn More(at Capital One's secure site)
The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.
75,000 miles
$1,350
$395
19.99% - 29.99% (Variable)
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Excellent (740-840)

The Capital One Venture X Rewards Credit Card is the premium Capital One travel rewards card on the block.

Points and miles fans will be surprised to see that the Capital One Venture X card packs quite the punch when it comes to bookings made through Capital One, all while offering the lowest annual fee among premium credit cards.

Depending on your travel goals and preferences, the Capital One Venture X card could very well end up being your go-to card in your wallet.

 

Pros
  • 10x miles per $1 on hotels and rental cars purchased through Capital One Travel
  • 5x miles per $1 on flights purchased through Capital One Travel
  • 2x miles per $1 on all other purchases
Cons
  • $395 annual fee (rates & fees)
  • Does not offer bonus categories for flights or hotel purchases made directly with the airline or hotel group, the preferred booking method for those looking to earn elite status
  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
  • Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
  • Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
Financial Snapshot
  • APR: 19.99% - 29.99% (Variable)
  • Foreign Transaction Fees: None
Rewards Center

Capital One Miles

 

Capital One offers an ultra-premium credit card that we really like — and it’s quite a hefty metal card, at around 17 grams (0.6 ounces)!

The Capital One Venture X card earns 10x miles on hotels and rental cars and 5x miles on flights purchased through Capital One Travel. This fantastic credit card is also one of the best credit cards for everyday spending because it earns 2x Capital One miles on all other purchases with no caps or having to worry about bonus categories.

The rewards you earn are transferable to airlines and hotels, which is why we value them at 1.8 cents each.

There’s also a $300 annual travel credit on bookings made through Capital One Travel, an account anniversary bonus each year of 10,000 miles, a complimentary Priority Pass Select membership, and access to Plaza Premium Lounges and high-end Capital One Lounges.

You also get a Global Entry or TSA PreCheck application fee credit, complimentary Hertz President’s Circle status, no fees for adding up to 4 authorized users (rates & fees), trip cancellation and interruption, extended warranty protection, return protection, cell phone protection, baggage delay reimbursement, and trip delay reimbursement.

Best Metal Card for Travel: Chase Sapphire Reserve®

Chase Sapphire Reserve®
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.

A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.
Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's worth $1,125 when redeemed through Chase Travel℠.
75,000 points
$1,500
$550
22.49%-29.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Excellent (740-850)

If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve® is one of the best options out there.

The card combines elite travel benefits and perks like airport lounge access, with excellent point earning and redemption options.  Plus it offers top-notch travel insurance protections to keep you covered whether you’re at home or on the road.

Don’t forget the $300 annual travel credit which really helps to reduce the annual fee!

Pros
  • 10x total points on hotels and car rentals when you purchase travel through Chase TravelSM immediately after the first $300 is spent on travel purchases annually
  • 10x points on Lyft purchases March 31, 2025
  • 10x points on Peloton equipment and accessory purchases over $250 through March 31, 2025
Cons
  • $550 annual fee
  • Does not offer any sort of hotel elite status
  • Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $1,125 toward travel when you redeem through Chase TravelSM.
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase TravelSM immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase TravelSM. For example, 75,000 points are worth $1125 toward travel.
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority PassTM Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Member FDIC
Financial Snapshot
  • APR: 22.49%-29.49% Variable
  • Foreign Transaction Fees: $0
Rewards Center

Chase Ultimate Rewards

One of our favorite travel rewards credit cards is the Chase Sapphire Reserve card, which is a flagship choice in the ultra-premium market.

This metal card weighs a hefty 13 grams (0.46 ounces) and comes loaded with a solid introductory welcome offer, as well as numerous different benefits.

You can earn up to 10x points on your purchases, and since we value Chase Ultimate Rewards points at 2 cents per point, you could get a return on spending as high as 20% with select purchases.

To be specific, you earn:

  • 10x points on car rentals, hotels, and dining booked through Chase Travel
  • 10x points on Peloton equipment and accessory purchases over $150, with a max earn of 50,000 points (through March 31, 2025)
  • 5x points on air travel booked through the Chase travel portal
  • 10x points on Lyft purchases (through March 2025)
  • 3x points on all other dining and travel purchases
  • 1x points on all other purchases

Additionally, you get a travel credit of $300, though purchases covered by the $300 travel credit don’t earn points.

Premium travel benefits are included, too: Priority Pass Select membership, up to $100 in Global Entry or TSA PreCheck application fee credit, the ability to get 1.5 cents per point in redemption value for travel booked through Chase Travel, and access to the Chase Luxury Hotel & Resort Collection.

One of the biggest selling points, though, is that you get some of the best credit card travel insurance possible, including primary car rental coverage.

Best Metal Card With a Low Annual Fee: Capital One Venture Rewards Credit Card

Capital One Venture Rewards Credit CardTerms Apply / Rates & Fees
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!

Learn More(at Capital One's secure site)
Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!
Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.
75,000 miles
$1,350
$95
19.99% - 29.99% (Variable)
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent Credit (670-850)

The Capital One Venture Rewards Credit Card is one of the most popular rewards cards on the market. It’s perfect for anyone in search of a great welcome offer, high rewards rates, and flexible redemption options.

Frequent travelers with excellent credit may benefit from this credit card that offers a lot of bells and whistles. And it offers easy-to-understand rewards earning and redemption.

Pros
  • 5x miles per $1 on hotels and rental cars booked through Capital One Travel
  • 2x miles per $1 on all other purchases
  • Global Entry or TSA PreCheck application fee credit
Cons
  • Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
  • Transfer your miles to your choice of 15+ travel loyalty programs
Financial Snapshot
  • APR: 19.99% - 29.99% (Variable)
  • Foreign Transaction Fees: None
Rewards Center

Capital One Miles

The 16-gram (0.56-ounce) Capital One metal card is the lower-tier version of the Capital One Venture X card, and it offers a lot at a lower price point.

Start off with a lovely welcome offer and earn up to 5x miles:

  • 5x miles on hotels and rental cars booked through the Capital One travel portal
  • 2x miles on every purchase, with no limits

As you can see, the ability to earn 2x miles on all purchases stays the same with this premium card, and you can also receive up to $100 in Global Entry or TSA PreCheck application fee credit.

This card comes with access to the Capital One Miles transfer partners and no foreign transaction fees (rates & fees).

Best Metal Card for Hotels: Marriott Bonvoy Brilliant® American Express® Card

Marriott Bonvoy Brilliant® American Express® CardTerms Apply / Rates & Fees
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A premium card for Marriott fans who want perks like an annual statement credit and Free Night Award, plus a fast track to Marriott elite status.

Learn More(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

A premium card for Marriott fans who want perks like an annual statement credit and Free Night Award, plus a fast track to Marriott elite status.
Earn 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.
95,000 bonus points
$665
$650
20.99%-29.99% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Marriott Bonvoy Brilliant® American Express® Card is a premium card designed with road warriors and Marriott Bonvoy loyalists in mind.

So is the card a worthwhile addition to your wallet?

Pros
  • 6x points per $1 at hotels participating in Marriott Bonvoy program
  • 3x points per $1 on flights booked directly with airlines and restaurants worldwide
  • 2x points per $1 on all other purchases
Cons
  • Earn 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.
  • $300 Brilliant Dining Credit: Each calendar year, get up to $300 (up to $25 per month) in statement credits for eligible purchases made on the Marriott Bonvoy Brilliant® American Express® Card at restaurants worldwide.
  • With Marriott Bonvoy Platinum Elite status, you can receive room upgrades, including enhanced views or suites, when available at select properties and booked with a Qualifying Rate.
  • Earn 6X Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy®. 3X points at restaurants worldwide and on flights booked directly with airlines. 2X points on all other eligible purchases.
  • Free Night Award: Receive 1 Free Night Award every year after your Card renewal month. Award can be used for one night (redemption level at or under 85,000 Marriott Bonvoy points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
  • Each calendar year after spending $60,000 on eligible purchases on your Marriott Bonvoy Brilliant® American Express® Card, you will be eligible to select a Brilliant Earned Choice Award benefit. You can only earn one Earned Choice Award per calendar year. See https://www.choice-benefit.marriott.com/brilliant for Award options.
  • $100 Marriott Bonvoy Property Credit: Enjoy your stay. Receive up to a $100 property credit for qualifying charges at The Ritz-Carlton® or St. Regis® when you book direct using a special rate for a two-night minimum stay using your Card.
  • Fee Credit for Global Entry or TSA PreCheck®: Receive either a statement credit every 4 years after you apply for Global Entry ($100) or a statement credit every 4.5 years after you apply for a five-year membership for TSA PreCheck® (up to $85 through a TSA PreCheck official enrollment provider) and pay the application fee with your Marriott Bonvoy Brilliant® American Express® Card. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
  • Each calendar year with your Marriott Bonvoy Brilliant® American Express® Card you can receive 25 Elite Night Credits toward the next level of Marriott Bonvoy® Elite status. Limitations apply per Marriott Bonvoy member account. Benefit is not exclusive to Cards offered by American Express. Terms apply.
  • Enroll in Priority Pass™ Select, which offers unlimited airport lounge visits to over 1,200 lounges in over 130 countries, regardless of which carrier or class you are flying. This allows you to relax before or between flights. You can enjoy snacks, drinks, and internet access in a quiet, comfortable location.
  • No Foreign Transaction Fees on international purchases.
  • With Cell Phone Protection, you can be reimbursed, the lesser of, your repair or replacement costs following damage, such as a cracked screen, or theft for a maximum of $800 per claim when your cell phone line is listed on a wireless bill and the prior month's wireless bill was paid by an Eligible Card Account. A $50 deductible will apply to each approved claim with a limit of 2 approved claims per 12-month period. Additional terms and conditions apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.
  • $650 Annual Fee.
  • Terms Apply.
Financial Snapshot
  • APR: 20.99%-29.99% Variable
  • Foreign Transaction Fees: None
Rewards Center

Marriott Bonvoy

Our last personal card made out of metal is actually a hotel credit card. One of the only ultra-premium hotel credit cards out there, the Marriott Bonvoy Brilliant card is a great card if you want premium perks at Marriott properties.

Earn up to 6x points per dollar spent:

  • 6x points per $1 at Marriott hotels
  • 3x points per $1 spent on flights booked directly with airlines and at restaurants worldwide
  • 2x points per $1 spent on all other purchases

You get automatic Marriott Bonvoy Platinum Elite status, a free night award after your card renewal (good for a stay of up to 85,000 points), 25 Elite Night Credits each year, a $25 monthly dining credit, and a complimentary Priority Pass Select membership upon enrollment. It also comes with a Global Entry or TSA PreCheck application fee credit.

Bottom Line: Our favorite metal personal cards are the Amex Platinum card, Chase Sapphire Reserve card, Amex Gold card, and Chase Sapphire Preferred card.

The 5 Best Metal Business Credit Cards

SCROLL FOR MORE
Card NameWeightWelcome OfferAnnual Fee
The Business Platinum Card® from American Express17 gramsELEVATED OFFER: Earn 150,000 points after spending $20,000 in eligible purchases within the first 3 months.$695
(rates & fees)
American Express® Business Gold Card15 gramsEarn 70,000 points after you spend $10,000 on purchases in the first 3 months.$375
(rates & fees)
Delta SkyMiles® Platinum Business American Express Card15 gramsEarn 65,000 miles after spending $6,000 in purchases in the first 6 months.$350
(rates & fees)
Amazon Business Prime American Express Card14 gramsEligible Prime Members get a $125 Amazon Gift Card upon approval.$0 (rates & fees)
United Club℠ Business Card12 gramsEarn 75,000 bonus miles + 1,000 Premier qualifying points (PQP) after $5,000 on purchases in the first 3 months your account is open$450

The Business Platinum Card® from American Express (Best Business Card for Airport Lounges)

150K OFFER
The Business Platinum Card® from American ExpressTerms Apply / Rates & Fees
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!

Learn More(at Amex's secure site)
This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!
Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
150,000 points
$3,300
$695
19.49% - 28.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Business Platinum Card® from American Express is a premium travel rewards card tailored toward business owners who are frequent travelers with a high number of annual expenses.

When you factor in the large number of perks that the card offers like the best airport lounge access at over 1,400 lounges, along with tons of annual credits, it’s easy to see why this card can is a top option for frequent traveling business owners.

Hot Tip: Check to see if you’re eligible for a huge welcome bonus offer of up to 170,000 points with the Amex Business Platinum. The current public offer is 150,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

Pros
  • 5x Membership Rewards points per $1 on flights and prepaid hotels at Amex Travel
  • Access to over 1,400 worldwide airport lounges as part of the American Express Global Lounge Collection
  • Get 50% more Membership Rewards points (1.5 points per $1) on eligible purchases in key business categories, as well as on purchases of $5,000 or more (cap applies)
Cons
  • High annual fee of $695 (rates & fees)
  • Airline fee credit does not cover airfare, only incidentals like checked bags
  • Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
  • 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
  • Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
  • Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®, here.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.
  • $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
  • The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
  • $695 Annual Fee.
  • Terms Apply.
Financial Snapshot
  • APR: 19.49% - 28.49% Variable
  • Foreign Transaction Fees: None
Rewards Center

American Express Membership Rewards

Hot Tip: Check to see if you’re eligible for a huge welcome bonus offer of up to 170,000 points with the Amex Business Platinum. The current public offer is 150,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

Our favorite metal business card is the Amex Business Platinum card. The business version of the Amex Platinum card, this 17-gram (0.6-ounce) beast of a card offers some of the best benefits and rewards for business owners out there.

Here’s what you can expect (in addition to the huge welcome offer currently available):

  • 5x points on flights and prepaid hotels booked through AmexTravel.com
  • 1.5x points on eligible purchases at U.S. construction material and hardware suppliers, electronic goods retailers, software and cloud system providers, shipping providers, and on purchases of $5,000 or more everywhere else (up to $2 million of these purchases per calendar year)
  • 1x points on all other purchases

This card offers great statement credits every year, including:

  • Up to $400 with Dell Technologies
  • Up to $360 with Indeed
  • Up to $150 with Adobe
  • Up to $120 on wireless telephone purchases
  • Up to $200 in airline fee credits
  • $189 in CLEAR Plus credits

This card comes with access to the prestigious American Express Global Lounge Collection, Fine Hotels & Resorts, The Hotel Collection, the Amex International Airline Program, and a 35% Pay with Points rebate (up to 1 million points rebated per calendar year).

Lastly, there are no foreign transaction fees (rates & fees).

American Express® Business Gold Card (Best for Earning Points)

BEST FOR BONUSES
American Express® Business Gold CardTerms Apply / Rates & Fees
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).

Learn More(at Amex's secure site)
Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).
Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership
70,000 points
$1,540
$375
19.49% - 28.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The American Express® Business Gold Card is excellent at racking up rewards for your business spend.

The card earns a whopping 4x points per $1 in the 2 categories (from a list of 6) that your business spends the most money on each month. With no need to opt-in or preselect your categories, so you can focus on what matters most — running your business.

Pros
  • 4x points per dollar spent on your 2 highest purchase categories each month up to $150,000 each calendar year in purchases; categories include:
    • NEW! Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
    • NEW! U.S. purchases made from electronic goods retailers and software & cloud system providers
    • NEW! Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
    • U.S. purchases at gas stations
    • U.S. purchases at restaurants, including takeout and delivery
    • Purchases at U.S. media providers for advertising in select media (online such as Google Ads, Facebook Ads, plus TV and radio)
  • 3x points per dollar on flights and prepaid hotels booked on amextravel.com using your Business Gold Card
  • Access to Amex’s The Hotel Collection
Cons
  • $375 annual fee (rates and fees)
  • No elite travel benefits like airport lounge access or elite status
  • Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
  • Earn 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
  • Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.
  • Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
  • Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.
  • Your Card – Your Choice. Choose from Gold or Rose Gold.
  • *Terms Apply
Financial Snapshot
  • APR: 19.49% - 28.49% Variable
  • Foreign Transaction Fees: None
Rewards Center

American Express Membership Rewards

Hot Tip: Check to see if you’re eligible for a huge welcome bonus offer of up to 110,000 points with the Amex Business Gold card! The current public offer is 70,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

The Amex Business Gold card is one of our favorite cards for business owners.

Weighing in at 15 grams (0.53 ounces), this metal card earns you 4x Membership Rewards points on the 2 categories where your business spends the most every month (up to $150,000 in combined purchases per calendar year) from these possibilities:

  • U.S. purchases for advertising in select media
  • U.S. purchases made from select technology providers of computer hardware, software, and cloud solutions
  • U.S. purchases at restaurants, including takeout and delivery
  • U.S. purchases at gas stations
  • Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
  • Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.

Best of all, your rewards are automatically adjusted, so no need to worry about selecting any categories.

Cardholders get access to The Hotel Collection, no foreign transaction fees, and no preset spending limit (rates & fees). No Preset Spending Limit means your spending limit is flexible. Unlike a traditional card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history.

Delta SkyMiles® Platinum Business American Express Card

Delta SkyMiles® Platinum Business American Express CardTerms Apply / Rates & Fees
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Between great perks and the potential to earn plenty of SkyMiles, this card is a must-have for frequent Delta travelers.

Learn More(at Amex's secure site)
Between great perks and the potential to earn plenty of SkyMiles, this card is a must-have for frequent Delta travelers.
Welcome Offer: Earn 65,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership.
65,000 Bonus Miles
$780
$350
20.99% - 29.99% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

As a small business owner and frequent Delta flyer, the Delta SkyMiles® Platinum Business American Express Card is your go-to credit card.

You like knowing you’re earning 3x SkyMiles per dollar for purchases with Delta; benefits like no foreign transaction fees, priority boarding, and a free checked bag for each flight only sweeten the deal (rates & fees).

Plus, you can redeem your SkyMiles for travel on Delta and its partner airlines, saving you money. It’s a no-brainer!

Pros
  • Save 15% On Award Travel With TakeOff 15. Not applicable to partner-operated flights or to taxes and fees.
  • 3x SkyMiles per $1 spent on Delta and hotel purchases
  • 1.5x SkyMiles per $1 spent on purchases of $5,000 or more, up to 50,000 additional SkyMiles per calendar year
Cons
  • $350 annual fee (rates & fees)
  • Does not earn transferable rewards
  • Welcome Offer: Earn 65,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership.
  • Enjoy a Companion Certificate each year after renewal of your Delta SkyMiles® Platinum Business American Express Card. The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
  • Earn 1.5X miles* on eligible transit and U.S. shipping purchases, plus single eligible purchases of $5,000 or more. Terms and miles cap apply. *If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply.
  • Get closer to elevated Status next Medallion® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $20 of purchases with your Delta SkyMiles® Platinum Business American Express Card.
  • Delta SkyMiles® Platinum Business American Express Card Members save 15% when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
  • With the $120 Resy Credit, earn up to $10 per month in statement credits on eligible Resy purchases using your enrolled Card.
  • Earn up to $10 back each month after using your enrolled Delta SkyMiles® Platinum Business American Express Card for U.S. rideshare purchases with select providers.
  • Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members. Ticket must be purchased on or after February 1, 2024 to be eligible to receive a complimentary upgrade.
  • Receive Main Cabin 1 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
  • Elevate your travel experience with an annual statement credit of up to $200 after using your Delta SkyMiles® Platinum Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
  • Terms and limitations apply.
Financial Snapshot
  • APR: 20.99% - 29.99% Variable
  • Foreign Transaction Fees: None
Rewards Center

Delta Air Lines SkyMiles Frequent Flyer Program

The Delta Platinum Business card is an impressive airline credit card weighing in at 15 grams (0.53 ounces).

This card comes with a strong welcome offer to provide an infusion of Delta SkyMiles — plus, you earn 3 miles per dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent on purchases made directly with hotels.

You can also earn 1.5 miles per dollar on eligible purchases of $5,000 or more, up to 50,000 additional miles per year. On all other purchases, you earn 1 mile per dollar spent.

You can get closer to Medallion status with MQD Headstart which gives you the ability to earn $2,500 Medallion Qualification Dollars each Medallion Qualification Year. The card also offers an MDQ Boost which lets you earn $1 MQD for each $20 of purchases.

There’s also the first checked bag free on Delta flights and Main Cabin 1 priority boarding.

There’s no additional cost for authorized users, and you won’t be hit with foreign transaction fees (rates & fees).

Amazon Business Prime American Express Card

Amazon Business Prime American Express CardTerms Apply / Rates & Fees
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Learn More(at Amex's secure site)
Eligible Prime Members get a $125 Amazon Gift Card upon approval for the Amazon Business Prime American Express Card.
$125 Amazon Gift Card
$125
No annual fee
19.49% - 27.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent Credit Recommended (670-850)
  • Eligible Prime Members get a $125 Amazon Gift Card upon approval for the Amazon Business Prime American Express Card
  • Take advantage of 5% Back or 90 day Terms on U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market with eligible Prime membership. You can earn 5% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter
  • 2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
  • 1% Back on other purchases
  • $0 Annual Fee
  • Back your business with the broad selection of Amazon and the service of American Express. Stay focused on your top business priorities, knowing we’re behind you.
  • Redeem rewards on millions of items during checkout at Amazon.com and Amazon Business (U.S.) or apply towards a purchase on your statement.
  • Terms apply.
Financial Snapshot
  • APR: 19.49% - 27.49% Variable
  • Foreign Transaction Fees: None

The Amazon Business Prime Amex card is a great rewards card if you spend a lot at Amazon. This 14-gram (0.49-ounce) metal card offers up to 5% cash-back:

  • 5% cash-back or 90-day terms on U.S. purchases at Amazon.com, Amazon Business, AWS, and Whole Foods Market with an eligible Prime membership (up to $120,000 in purchases each calendar year, 1% cash-back after that)
  • 2% cash-back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
  • 1% cash-back on all other purchases

There are no foreign transaction fees or fees for adding employee cards (rates & fees).

United Club℠ Business Card

United Club℠ Business Card
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The United Club Business card is a great option for frequent United flyers looking for United Club access.

The United Club Business card is a great option for frequent United flyers looking for United Club access.
Earn 50,000 bonus miles + 1,000 Premier qualifying points (PQP) after $5,000 on purchases in the first 3 months your account is open.
50,000 miles
$900
$450
21.99%–28.99% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The United Club℠ Business Card is a premium card option for dedicated United loyalists seeking a card that offers complimentary United Club access, helps them earn and retain status, and doesn’t skip on the benefits.

From free checked bags to upgrades on award tickets and the ability to earn Premier qualifying points, there is plenty to the United Club Business card that United flyers are sure to love.

Pros
  • 2x miles per $1 spent on United purchases
  • 1.5x miles per $1 spent on all other purchases
  • Complimentary United Club membership
Cons
  • $450 annual fee
  • Earning rate for United purchases is poor compared to other United cards
  • Earn 50,000 bonus miles + 1,000 Premier qualifying points (PQP) after $5,000 on purchases in the first 3 months your account is open
  • Earn 2x miles on United purchases
  • Earn 1.5x miles on all other purchases
  • Employee cards at no additional cost
  • United Club membership — up to a $650 value per year. Relax in comfort while waiting for your flight with complimentary beverages, snacks, high-speed Wi-Fi, and more
  • Free first and second checked bags for you and a companion, save up to $320 per round-trip
  • 25% back on United inflight purchases
  • No foreign transaction fees
Financial Snapshot
  • APR: 21.99%–28.99% Variable
  • Foreign Transaction Fees: $0

The last card we’ll discuss is the 12-gram (0.42-ounce) United Club Business card, which is United’s ultra-premium credit card for businesses.

This card confers United Club membership every year for the primary cardholder, access to Premier Access travel services, free first and second checked bags, and up to 2 miles per dollar spent:

  • 2 miles per dollar spent on United purchases
  • 1.5 miles per dollar spent on all other purchases

It comes with travel insurance, purchase protection, and fraud protection, as well as extended warranty and even return protection!

How To Get a Metal Credit Card

You don’t need to do anything special in order to get a metal credit card. All you have to do is be approved for a credit card that comes in metal.

While it is true that some metal credit cards can be slightly harder to be approved for than some plastic cards, if you have a credit score of 670 or higher, you have reasonably good approval odds for most metal credit cards.

Advantages of Metal Credit Cards

There are some obvious pros of metal credit cards, including:

  • Metal cards are more durable than plastic credit cards.
  • Metal cards have a premium feel because of their style and weight.
  • Metal cards can offer better rewards and benefits than plastic cards, albeit at the expense of a large annual fee.

Why Have a Metal Credit Card?

Put simply, the only reason to have a metal credit card is if the card itself makes sense for you. If so, then then the fact that it is metal can be a nice bonus. On the other hand, it makes little sense to select a card whose perks, rewards, and protections don’t match what you are looking for in a new card purely because it is metal.

How We Selected Our List of Best Metal Credit Cards

There are several factors we considered when making our choices for the best metal credit cards. Some of these factors included travel benefits, rewards, credit card bonus offers, fees, and redemption value.

Travel Benefits

The best metal cards tend to offer great travel benefits. These benefits can include airport lounge accesstravel statement creditselite hotel and airline benefits or status, and travel insurance.

Rewards

At the end of the day, the overall point of the featured cards is the rewards they offer. Given that, a card is not likely to be a good option if it is metal but does not offer helpful bonus categories to help cardholders earn more on their everyday purchases.

Welcome Bonus Offers

While this is a one-time benefit, a great welcome bonus offer is an excellent want to jump-start your rewards balance. It’s even more so when you consider that many premium metal credit cards have lucrative offers.

Fees

As we mentioned, it’s quite common for metal credit cards to charge annual fees. That said, you also want to be mindful of any other fees the card might charge, like foreign transaction fees or authorized user fees.

Redemption Value

Once you’ve earned your points or miles, be certain that you’ll be able to redeem those rewards for good value and that you have multiple redemption options. This is why we give preference to cards that earn flexible rewards, letting you redeem for cash-back, via a travel portal, or through select travel transfer partners.

Hot Tip:

You can read more about Upgraded Points’ credit card rating approach in our detailed guide.

Final Thoughts

Overall, the space for metal credit cards has become increasingly crowded. A lot of metal credit cards offered today are effectively vanity items with few to no benefits.

So, to get the best of both worlds in terms of aesthetics and utility, consider the cards outlined in this list. By sticking to the cards on the lists above (depending on whether you’re looking for a personal or business card), you’ll come out ahead.

Hopefully, you found this guide useful and will be adding 1 or even a few metal credit cards to your wallet!

For the Hertz benefit for Capital One products, enrollment is required through the Capital One website or mobile app. Upon enrollment, eligible cardholders will remain at upgraded status level through December 31, 2024.  Please note, enrolling through the normal Hertz Gold Plus Rewards enrollment process (e.g. at Hertz.com) will not automatically detect a cardholder as being eligible for the program and cardholders will not be automatically upgraded to the applicable status tier. Additional terms apply.

Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

For the purchase protection benefit of The Platinum Card® from American Express, eligibility and benefit level varies by Card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the extended warranty benefit of The Platinum Card® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

The information regarding the United Club℠ Business Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the American Express® Green Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

For rates and fees of the American Express® Gold Card, click here.
For rates and fees of The Platinum Card® from American Express, click here.
For rates and fees of the Marriott Bonvoy Brilliant® American Express® card, click here.
For rates and fees of The Business Platinum Card® from American Express, click here.
For rates and fees of the American Express® Business Gold Card, click here.
For rates and fees of the Delta SkyMiles® Platinum Business American Express Card, click here.
For rates and fees of the Amazon Business Prime American Express Card, click here.

Frequently Asked Questions

Which credit card is made out of metal?

There are plenty of credit cards made of metal, including the Amex Platinum card, Chase Sapphire Reserve card, Amex Gold card, Chase Sapphire Preferred card, Capital One Venture X card, Capital One Venture card, and Marriott Bonvoy Brilliant card.

On the business side, there’s the Amex Business Platinum card, Amex Business Gold card, Delta Platinum Business card, Amazon Business Prime Amex card, and the United Club Business card.

Are there really metal credit cards?

Yes! There are many credit cards made of metal for an extra-sturdy feel.

What does having a metal credit card mean?

By itself, having a metal credit card feels better when you are holding it. Usually, metal credit cards offer better benefits than plastic credit cards, but some metal credit cards have terrible benefits. Find the best metal cards in this guide!

How do you destroy a credit card with metal?

Generally, you have to mail it into your bank or walk into a branch to have it destroyed.

Is the American Express® Green Card metal?

No, the Amex Green card is made of reclaimed plastic.

What metal are metal credit cards made of?

Many credit cards are made of stainless steel, but they can also be made of brass, copper, titanium, gold, palladium, or a blend of metal and plastic.

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About Jarrod West

Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in outlets like The New York Times.

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