Metal venture card

Metal venture card DEFAULT

It’s time for issuers to stop with the metal credit cards

When I was approved for my first-ever credit card — a Chicago Cubs Mastercard issued by MBNA (since taken over by Bank of America) — I was thrilled at the prospect of the card arriving in the mail. It represented my official launch into adulthood, having previously only been an authorized user on my parents’ cards.

Today, I dread the arrival of a new credit card.

Don’t get me wrong — I love a good rewards card (and I have just a few of them). But it’s the physical substance of the new card that always worries me.

Ever since the much-ballyhooed launch of the Chase Sapphire Reserve in 2016 — when Chase temporarily ran out of metal due to the popularity — card issuers have decided that it’s not just the earning rates, travel rewards and fancy perks that’ll attract customers. A credit card should (apparently) be a statement piece, a la Ryan Bingham’s frequent-flyer card in the movie “Up in the Air.”

And what better way to make a statement than surprising unsuspecting, 20-year-old coffee baristas with a metal card that slips out of their hands and makes a notable “clang” on the counter for all the world to hear?

Actually, that’s a terrible impression to make. Heavy metal cards had their moment, but it’s time for the “Crazy Train” to leave the station and for issuers to let the obnoxiousness of this trend “Fade to Black” in a “Symphony of Destruction” — for a number of reasons.

They aren’t universally accepted

For starters, metal cards can be a nightmare to actually use. Have you ever encountered an older credit card reader that won’t accept your snazzy metal card? It’s not too hard to find an automatic parking machine that specifically says “no metal cards” on it, and in some cases, the card physically won’t fit into the slot.

One of the most important tenets of issuing a credit card is that the bank wants you to actually use it. Those interchange fees are only incurred when a card is swiped. So why make them out of metal and prevent a customer from using it?

Not only that … is there a reason why issuers are so quick to make these cards out of metal yet can’t enable chip-and-PIN capabilities? You know, the authentication method used by most countries around the world? This is yet another barrier to actually using the card when traveling abroad.

But hey, at least you can get a comment like, “Wow, this card is heavy!” when the cashier hands back your card without being able to actually use it.

They can set off metal detectors

I love my Global Entry membership, and even when I’m not leaving the country due to a global pandemic, I get a ton of use out of TSA PreCheck — which is automatically included.

Except, that is, when my wallet sets off the metal detector at the airport, thanks to — you guessed it! — my metal credit cards.

The first time I passed through a metal detector after getting the Ritz-Carlton Rewards Card (no longer open to new applicants but still available as a product-change option), I couldn’t believe when it beeped. At first, I assumed I had been randomly selected for extra screening, but then the agent pointed to my wallet. I was on the verge of protesting when it hit me — that heavy new card did it!

Sure enough, the wallet came out and the beep disappeared.

Now, given the array of problems facing our world right now, I fully recognize the absurdity of complaining about taking my wallet out of my pocket at security. But nevertheless, it’s one more thing to remember to do, and one more item that could get left behind after screening.

Related: Global Entry vs. TSA PreCheck: Which is better?

You have to mail them back to dispose of them

I have an automatic shredder in my office, and it’s incredibly useful for getting rid of old checks, personal documents I no longer need and credit cards.

Or at least, it used to be good for shredding credit cards. But not anymore!

I recently received a newly-reissued Citi® / AAdvantage® Executive World Elite Mastercard®, and included in the envelope was the following message:

Your new card contains metal, do not shred. Please contact the number on the back of your card for assistance disposing of your card.”

So let me get this straight … a process that used to take me literally two seconds (dropping the plastic card into the credit card slot on my shredder) now requires me to make a phone call and talk to someone about getting rid of the card? All because it’s made of metal?

No thank you.

They’re not special anymore

But one of the most important reasons why issuers should get rid of these cards is simple. They are no longer special. When one issuer did it on a single card, it was cool. When another one went metal, it was still a nice

Now, metal cards are everywhere. Heck, even my new Capital One Venture Rewards Credit Card — one that has just a $95 annual fee — has a metallic glint to it.

Will my no-annual-fee Cubs Mastercard be next? I mean, given the team’s brutally mediocre performance thus far in 2021, I guess anything’s worth a shot. But in all seriousness, why are we still doing metal cards when they’ve lost any sort of uniqueness factor?

Which reminds me of the common refrain on airline status: “If everyone’s elite, no one’s elite.”

No metal cardholder is “elite” anymore — they’re just one of the crowd.

Bottom line

Heavy metal cards are not new, but — to borrow a quote from the inimitable Ozzy Osbourne — the proliferation of these cards is “going off the rails on a crazy train.” Not only can they be difficult to use and a pain to dispose of — they’re also no longer special.

It’s like that shiny new toy that your kid (or niece or nephew) gets during the holidays. Sure, it’s all fun for the first several weeks, and maybe you’ll get a couple of good years out of it. But then the novelty wears off, and you’re left with a play kitchen taking up space in your actual kitchen — and no one is happy.

Much like I feel after a vacation of eating and drinking too much, these cards need a cleanse — a return to the good old days of plastic.

Oh, and they can take bulk toiletries along with them.

Featured photo by Westend61/Getty Images

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Welcome to The Points Guy!

Nick Ewen is a senior editor and was one of the site's first contributors in 2012. He’s visited 41 countries (and counting) and has taken his six-year-old daughter to 20 of them.
Sours: https://thepointsguy.com/news/no-more-metal-credit-cards/
At a glance

In recent years, more credit card issuers have started offering metal cards. They range widely in their annual fees, additional benefits, and weights.

Credit Card Insider receives compensation from advertisers whose products may be mentioned on this page. Advertiser relationships do not affect card evaluations. Advertising partners do not edit or endorse our editorial content. Content is accurate to the best of our knowledge when it's published. Learn more in our Editorial Guidelines.

The information related to Capital One Savor Cash Rewards Credit Card, IHG® Rewards Club Premier Credit Card, Amazon Business Prime American Express Card, American Express® Business Gold Card, and The Business Platinum Card® from American Express have been collected by Credit Card Insider and have not been reviewed or provided by the issuer or provider of these products.

Best Metal Credit Cards

 

The American Express Centurion® Card (or “black” card) was one of the first metal credit cards. Unfortunately, it’s invitation-only and costs $5,000 per year.

Banks have started offering more metal credit cards in recent years, and the annual fees are much lower.

Some people like the feel of a metal credit card and the reactions they get when making purchases. Metal credit cards are usually heavier than regular plastic cards. You may want one for the practicality: members of our team have used a Chase Sapphire Preferred to scrape ice off a car window in the winter, and to open a door after getting locked out.

Here’s a list of our favorites that you can actually apply for directly, followed by a full alphabetical list of 28 metal cards.

Best Metal Credit Cards of 2021

Card details

The Mastercard Titanium Card is a thick, heavy metal rewards credit card.

It earns 1X point per dollar and provides a host of benefits geared toward the frequent traveler. You may be able to get more rewards or benefits with other cards that are less expensive, but if you’re looking for the heaviest card with the lowest annual fee, this is it.

  • Min. Credit LevelExcellent
  • Annual Fee$195
  • Purchase APR14.99% Variable
Rewards
  • 1X point per dollar for all purchases
    • Cash back redemption value: 1% cash back
    • Airfare redemption value: 2% cash back

Introductory bonus

None
Balance transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

  • Intro Balance Transfer APR 0% for 15 months
  • Regular Balance Transfer APR14.99% Variable
  • Balance Transfer Fee3% ($5 min)
How to Transfer a Balance on a Credit Card
Fees
Card details

If you’re looking for a thick, black, heavy metal credit card, this is it. Unlike the American Express Centurion card, this is card is available without an invitation.

The rewards program is not the most valuable out there, but this card card does include airport lounge access, a $100 travel credit, a live chat concierge in the Luxury Card mobile app, and thousands of dollars in possible credits at hotels.

  • Min. Credit LevelExcellent
  • Annual Fee$495
  • Purchase APR14.99% Variable
Rewards
  • 1X point per dollar for all purchases
    • Cash back redemption value: 1.5% cash back
    • Airfare redemption value: 2% cash back
Balance transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

  • Intro Balance Transfer APR 0% for 15 months
  • Regular Balance Transfer APR14.99% Variable
  • Balance Transfer Fee3% ($5 min)
How to Transfer a Balance on a Credit Card
Fees
Card details

If you want a heavy, thick, metal credit card plated in actual 24k-gold, this may be the card for you.

It has high-end travel benefits, but only earns the equivalent of 2% cash back on all purchases.

  • Min. Credit LevelExcellent
  • Annual Fee$995
  • Purchase APR14.99% Variable
Rewards
  • 1X point per dollar for all purchases
    • Cash back redemption value: 2% cash back
    • Airfare redemption value: 2% cash back
Balance transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

  • Intro Balance Transfer APR 0% for 15 months
  • Regular Balance Transfer APR14.99% Variable
  • Balance Transfer Fee3% ($5 min)
How to Transfer a Balance on a Credit Card
Fees
Card details

If you’re a Prime subscriber, there’s pretty much no reason not to get this card. You’ll get 5% back on Amazon purchases and there’s no annual fee for the card.

This is probably the cheapest option if you’re trying to get a metal card without paying a high annual fee as long as you’re subscribed to Prime. Read our full review of both Amazon Visa cards here.

  • Min. Credit LevelFair
  • Annual Fee$0
  • Purchase APR14.24% to 22.24% Variable
Rewards
  • 5% cash back at:
    • Amazon.com
    • Whole Foods Market
  • 2% cash back at:
    • Gas Stations
    • Restaurants
    • Drugstores
  • 1% cash back on all other purchases

Introductory bonus

$100 Amazon.com Gift Card instantly upon approval
Balance transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

  • Intro Balance Transfer APR N/A
  • Regular Balance Transfer APR14.24% to 22.24% Variable
  • Balance Transfer Fee5%, $5 minimum
How to Transfer a Balance on a Credit Card
Fees
Card details

This card is loaded with benefits like airport lounge access and travel credits. It’s made of metal and has a dark blue and black design. When you look at benefits and cost, it’s in the same category as the Platinum Card from American Express. The Sapphire Reserve offers 3x Ultimate Rewards points per dollar on travel and dining, compared to 2X on the Chase Sapphire Preferred.

It has a relatively high annual fee of $450 compared to most credit cards, but you can easily make up for that if you use all the benefits, credits, and rewards. Read our review of this card here.

  • Min. Credit LevelExcellent
  • Annual Fee$550
  • Purchase APR16.99%-23.99% Variable
Rewards
  • 10X Ultimate Rewards points per dollar:
    • Chase Dining through Ultimate Rewards
    • Hotel stays and Car rentals through Ultimate Rewards (after the full travel credit is used)
    • Lyft rides (through 3/31/22)
  • 5X Ultimate Rewards points per dollar on Air travel through Ultimate Rewards (after the full travel credit is used)
  • 3X Ultimate Rewards points per dollar:
    • Travel (after the full travel credit is used)
    • Dining
  • 1X Ultimate Rewards point per dollar on all other purchases

Introductory bonus

50,000 bonus points after spending $4,000 on purchases in the first 3 months
Balance transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

  • Intro Balance Transfer APR N/A
  • Regular Balance Transfer APR16.99%-23.99% Variable
Sours: https://www.creditcardinsider.com/blog/metal-credit-cards/
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Terms apply to American Express benefits and offers. Enrollment may be required for some American Express benefits and offers. Visit americanexpress.com to learn more.

You should not choose a credit card based on what it looks like, but it’s undeniable that metal credit cards,  which are heavier and sturdier than plastic ones, are becoming more and more common. And while metal cards started out as a status symbol — the top rewards cards like the Chase Sapphire Reserve® and The Platinum Card® from American Express, with annual fees up to $695 (See Rates & Fees) , are metal — the trend has expanded to far cheaper ones. 

If you want to hear the satisfying clunk of a metal card when you put it down on the table, you can choose the Chase Sapphire Preferred, for example, with an annual fee of $95.   

Like plastic cards, metal ones come with many perks and benefits that can offset their annual fees, and let you earn points that you can later redeem for nearly-free travel, or cash back. In general, metal cards tend to be more premium than plastic ones, offering higher rewards rates and more perks. 

In any case, while a metal card may come in handy to scrape ice off a windshield in a pinch, what it’s made of should not be the deciding factor.

Cards Offered in Metal

If you’re considering a premium travel rewards credit card these days, chances are it’s going to be metal. These cards have annual fees from $0 to $695, and come with a wide range of perks and benefits. Let’s take a closer look.

Chase Sapphire Preferred® Card

The Chase Sapphire Preferred card is a popular travel rewards credit card. In fact, with an annual fee of $95, it’s our favorite credit card with an annual fee under $100 — and now is the best time to sign up for it. It’s offering a 60,000-point bonus after you spend $4,000 in your first three months of card membership. Those points are valued at $750 toward travel, according to Chase, and can take you quite far.

The card earns 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases.

You’ll also get perks such as a complimentary DoorDash DashPass membership (must be activated by December 31, 2021), up to $60 in statement credits towards a Peloton membership, 5x points per dollar on Lyft rides, and more. Additionally, through March 2022, you’ll earn 5x points per dollar on a Peloton Bike, Tread or any accessory purchase over $1,800 (up to 25,000 points). Those benefits can offset the annual fee, if you use them. 

Chase Sapphire Reserve®

The Preferred’s sister card, the Chase Sapphire Reserve, is the more premium of the two. It has a $550 annual fee and comes with perks like a $300 travel credit, up to a $100 credit for TSA PreCheck/Global Entry, up to $60 in DoorDash credits (through December 31, 2021) and up to $120 in Peloton membership credits.

You’ll get a one-year complimentary Lyft Pink membership, which gives you priority access and up to 15% savings on Lyft rides (activate by March 31, 2022); Lyft Pink would otherwise cost $19.99 a month. The card also gives you free access to airport lounges around the world that are part of  the Priority Pass network, and earns 3 points per dollar on travel and dining purchases. In addition, more benefits are rumored to be on the way for both Sapphire cards.

Like many other travel rewards cards, the Reserve can pay for itself if you take advantage of all the benefits it offers, but it’s not a good choice if you do not travel enough to justify having it. 

American Express® Gold Card 

The Amex Gold card is another popular travel rewards credit card. While it has a $250 annual fee (See Rates & Fees),  you’ll earn 4 points per dollar at restaurants and U.S. supermarkets (up to $25,000 per calendar year, then 1 point per dollar), as well as 3 points per dollar on travel booked on amextravel.com or directly with airlines. The card is also currently featuring a welcome offer of 60,000 Membership Rewards points after you spend $4,000 in the first six months of membership.

It comes with other perks like a $120 annual dining credit, a $100 yearly Uber credit, and an Uber Eats Pass membership. With this membership, you’ll get perks like $0 delivery fees and 5% off on eligible orders of $15 or more. Otherwise, this service would cost you $9.99 per month.

The Platinum Card® from American Express

The Amex Platinum card now has an annual fee of $695 as of July 1. For a limited time, you can earn 100,000 Membership Rewards points after you spend $6,000 in the first 6 months of card membership.

The card comes with notable perks such as $200 annually in Uber Cash, up to a $100 credit on a Global Entry or TSA PreCheck application fee, a $100 Saks Fifth Avenue credit, and access to global lounges such as the Amex Centurion Lounge and Delta SkyClubs (when flying same-day Delta flights). Amex has introduced new perks with the fee hike. Those include a $200 hotel credit as an annual statement credit for prepaid bookings through the Fine Hotels + Resorts® or The Hotel Collection properties made through American Express Travel, $179 annual statement credit for a Clear membership, $240 in annual statement credits ($20 per month) on purchases or subscriptions with Audible, The New York Times, SiriusXM and Peacock, and $300 in annual statement credits ($25 per month) on select Equinox memberships or a digital subscriptions to Equinox+, an on-demand fitness app.

Amazon Prime Rewards Visa Signature Card

The Amazon Prime Rewards card* is geared towards frequent Amazon shoppers, rather than people who want to travel using credit card points. There’s no annual fee, but you can only get the card  if you are an Amazon Prime member. You’ll also earn a $150 Amazon gift card upon approval, which offsets the price of your $119 Amazon Prime membership in your first year.

The card earns 5% cash back at Amazon.com and Whole Foods, plus 2% cash back at restaurants, gas stations and drugstores, and 1% cash back on everything else.

Capital One Venture Rewards Credit Card

The Capital One Venture Rewards Credit Card is a travel rewards credit card that earns 2 Capital One miles per dollar on every purchase. You can qualify for 60,000 bonus miles when you spend $3,000 within the first three months of account opening. The card has a $95 annual fee.  It also offers a $100 credit for TSA PreCheck/Global Entry that you’ll receive every four years.

  • Intro bonus:

    60,000 points

  • Annual fee:

    $95

  • Regular APR:

    15.99% – 22.99% Variable

  • Recommended credit:

    670-850 (Good to Excellent)

  • Learn moreat our partner’s secure site.
  • Intro bonus:

    60,000 miles

  • Annual fee:

    $95

  • Regular APR:

    15.99% – 23.99% (Variable)

  • Recommended credit:

    670-850 (Good to Excellent)

  • Learn moreat our partner’s secure site.

Are Metal Credit Cards Better?

In terms of the material, the major benefit of using a metal credit card is that it will be more durable than a plastic one. Plastic can break or snap easily, and while you can have a broken card replaced easily by calling the number on the back, it’s an annoyance you likely won’t have with a metal card.

However, in terms of perks, it really depends on what your budget and preferences are. If a certain metal card does not suit your needs or budget, choose a credit card that does, regardless of the material.

Pro Tip

Before deciding on any credit card — metal or not — it’s important to consider if your lifestyle habits and budget align with the card’s perks, benefits, and annual fee.

How Much Do You Have to Spend to Get a Metal Credit Card?

There’s no minimum spending requirement to get a metal credit card; getting approved for one depends on your credit score. The credit score you need to get approved for a given metal credit card can vary from card to card and issuer to issuer.

However, many metal credit cards have a welcome offer or sign-up bonus, where you can earn bonus points or miles for hitting a minimum spending requirement in a set timeframe. While those bonuses can be very attractive, we encourage you to only spend what you would have spent anyway; do not overspend to meet a bonus requirement.  

Are Metal Credit Cards More Secure?

Metal credit cards are not more secure than plastic credit cards; the safety of your account does not depend on what the card is made of. They are, however, more durable and weigh more than a typical plastic credit card.

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.

All information about the Amazon Prime Rewards Visa Signature Card and Capital One Venture Rewards Credit Card has been collected independently by NextAdvisor and has not been reviewed by the issuer.

Sours: https://time.com/nextadvisor/credit-cards/best-metal-credit-cards/
Convert Any Plastic Card Into Metal (Lion Credit Card) Unboxing + Review

Best metal credit cards for October 2021

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Venture card metal

Best Metal Credit Cards Of October 2021

Best Metal Card With Plush Travel Benefits

The Platinum Card® from American Express

Apply Now

On American Express's Secure Website

Apply Now

On American Express's Secure Website

5X Reward Rate

Earn 5 Membership Rewards points per dollar on prepaid hotels booked with American Express Travel; earn 5 Membership Rewards perRead More

Welcome Bonus

100,000 Membership Rewards® Points

Regular APR

See Pay Over Time APR

Credit Score

Excellent/Good (700 - 749)

Why We Picked It

The Platinum Card is destined for frequent travelers who intend to fully leverage the rich set of luxury travel benefits and Platinum Concierge service. In the right hands, the classic status card's staggering annual fee is well justified.

Pros & Cons

  • High reward potential on flights and hotels booked through American Express Travel
  • Multiple credits can help justify the fee
  • Comprehensive airport lounge access
  • Luxury travel benefits and elite status with Hilton and Marriott with enrollment
  • High annual fee
  • Maximizing the statement credits takes some work and could be unworkable for many
  • Reward rate outside of travel is sub-par for a premium card

Card Details

  • Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
  • Plus, earn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of Card Membership.
  • 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 $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®.
  • $240 Digital Entertainment Credit: Get up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card® at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, and The New York Times. Enrollment required.
  • $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax.
  • American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. Now there are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline.
  • $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.
  • $300 Equinox Credit: Get up to $25 back each month on select Equinox memberships when you pay with your Platinum Card®. Enrollment required.
  • $179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership.
  • $695 annual fee.
  • Terms Apply.
  • See Rates & Fees

Best Metal Card For Traveling Foodies

American Express® Gold Card

Apply Now

On American Express's Secure Website

Apply Now

On American Express's Secure Website

Up to 4X Reward Rate

Earn 4X Membership Rewards® points at restaurants, including takeout and delivery; Earn 4X Membership Rewards® points at US supermarkets onRead More

Welcome Bonus

60,000 Membership Rewards® Points

Regular APR

See Pay Over Time APR

Credit Score

Excellent/Good (700 - 749)

Why We Picked It

Foodies and travelers can leverage the American Express® Gold Card to the hilt, earning up to 4x points. The annual fee may seem intimidating, but by using the included benefits and doing some spending, it's easy to come out ahead.

Pros & Cons

  • High rewards earnings possibilities
  • Points transfer option to many partners
  • Add up to 5 authorized users for no additional annual fee
  • Can choose from regular or rose gold versions
  • No lounge benefits
  • Limited options to carry a balance
  • High APR for pay over time feature
  • High pay over time penalty APR

Card Details

  • Rose Gold is back. You can now choose between Gold or Rose Gold.
  • Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
  • Earn 4X Membership Rewards® Points at Restaurants, including takeout and delivery, 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: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
  • Get up to 12 complimentary months of an Uber Eats Pass subscription when you enroll with your Gold Card by 12/31/21.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
  • See Rates & Fees

Best Metal Card With Bonus Travel Redemption Value

Chase Sapphire Reserve®

Up to 10X Reward Rate

5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel throughRead More

Welcome Bonus

50,000 points

Regular APR

16.99%-23.99% Variable

Credit Score

Excellent (750 - 850)

Why We Picked It

This card offers superior points earning rates if you spend frequently on travel and dining out. The $300 travel credit justifies much of the annual fee, and redeeming points for travel on Chase Ultimate Rewards or when using the Pay Yourself Back feature nets you a 50% bonus.

Pros & Cons

  • $300 annual travel credit is incredibly flexible
  • Generous welcome bonus
  • Get 50% more value when you redeem points for travel through Chase, or for select purchases through Pay Yourself Back℠  program
  • Points transfer to valuable airline and hotel partners
  • High annual fee
  • High variable APR on purchases
  • Excellent credit recommended

Card Details

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year. Through December 31, 2021, gas station & grocery store purchases will also count towards earning your Travel Credit
  • Earn 5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® 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 Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
  • With Pay Yourself Back℠, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • 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 Pass™ Select and up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more

Best Metal Card With Fourth Night Free Benefit

Citi Prestige® Card *

Citi Prestige® Card

Up to 5X Reward Rate

Earn 5X ThankYou Points for each $1 spent on purchases at airlines, travel agencies, and restaurants (including cafes, bars, loungesRead More

Welcome Bonus

50,000 Bonus Points

Regular APR

16.99% - 23.99% Variable APR on purchases and balance transfers

Credit Score

Excellent (750 - 850)

Why We Picked It

The Citi Prestige® Card is Citibank's top-tier travel card, which comes complete with a Prestige Concierge and a rich set of travel perks. The $495 annual fee stings, but you can offset that with just one 4th hotel night free plus the $250 (up to) annual travel credit. The rewards rates are impressive, topping out at 5x on travel and dining out.

Pros & Cons

  • No foreign transaction fee
  • Rich travel benefits, including lounge access
  • Free 4th night hotel stay (up to 2x per year)
  • Citi Prestige Concierge
  • High APR
  • High annual fee with no first-year waiver
  • Limited number of points transfer partners
  • No intro APR offer

Card Details

  • Earn 50,000 bonus points after spending $4,000 in purchases within the first 3 months of account opening*
  • 50,000 ThankYou® Points are redeemable for $500 in airfare on any airline, anytime with no blackout dates or $400 in gift cards
  • up to $100 every 5 years, as reimbursement for your application fee for Global Entry or TSA Pre✓®
  • Complimentary 4thfourth Night Hotel Stay
  • Transfer points to a variety of travel loyalty programs from airlines to hotels
  • Earn 5X Points on Air Travel & Restaurants
  • Earn 3X Points on Hotels & Cruise Lines
  • Earn 1X Points on All Other Purchases

Best Metal Card With Bonus Rewards On Mobile Wallet Spending

U.S. Bank Altitude™ Reserve Visa Infinite® Card *

Up to 5X Reward Rate

Earn 5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center. Earn 3X points forRead More

Welcome Bonus

50,000 points

Regular APR

16.99% - 23.99% Variable APR on purchases and balance transfers

Credit Score

Excellent (750 - 850)

Why We Picked It

Considering its lavish travel perks and the $325 annual travel credit, frequent travelers can easily justify the $400 annual fee. The U.S. Bank Altitude™ Reserve Visa Infinite® Card is only available to U.S. Bank customers.

Pros & Cons

  • 50% points bonus when redeeming for travel
  • Up to $325 in annual travel credit
  • Luxurious engraved metal card
  • No limits on points earnings
  • $75 fee for each additional card
  • Only available to applicants with an existing U.S. Bank relationship
  • No points transfer options available

Card Details

  • Earn 50,000 points worth $750 on travel after spending $4,500 in the first 90 days of account opening
  • Earn 5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center
  • Earn 3X points for every $1 on eligible travel purchases and mobile wallet spending.
  • Earn 1X point per $1 spent on all other eligible net purchases
  • Use your mobile device to instantly redeem points for almost any purchase
  • Airport Lounge Access: Complimentary 12-month Priority Pass™ Select membership to more than 1,200 VIP lounges worldwide
  • World Class Service: Elevated service levels 24/7 with dedicated service advisors and Visa Infinite Concierge”

Best Metal Card For Hotel Loyalty Rewards

Marriott Bonvoy Brilliant™ American Express® Card

Apply Now

On American Express's Secure Website

Apply Now

On American Express's Secure Website

Up to 6X Reward Rate

Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program. 3Read More

Welcome Bonus

150,000 points

Regular APR

15.74%-24.74% Variable

Credit Score

Excellent/Good (700 - 749)

Why We Picked It

Just a few Marriott stays per year is enough to make the $450 annual fee worthwhile via the $300 annual Marriott credit and anniversary night. The complimentary status, lavish Bonvoy perks, and substantial welcome bonus add sweetness to the deal.

Pros & Cons

  • Free Night Award each card anniversary year worth up to 50,000 points (resort fees may apply)
  • Complimentary Bonvoy Gold Elite status
  • Increased earnings rate at Marriott hotels
  • 15 annual Elite night credits
  • $300 annual Marriott Bonvoy credit at participating hotels
  • The APR can be high, depending on your creditworthiness
  • High annual fee
  • No introductory APR offer

Card Details

  • Limited Time Offer: Earn 150,000 Marriott Bonvoy bonus points and a bonus Free Night Award after you use your new Card to make $5,000 in eligible purchases within the first 3 months of Card Membership. Resort fees may apply. Terms apply. Offer expires 11/3/2021.
  • Enjoy up to $300 in statement credits each year of Card Membership for eligible purchases at hotels participating in the Marriott Bonvoy™ program.
  • Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program. 3 points at U.S. restaurants and on flights booked directly with airlines. 2 points on all other eligible purchases.
  • Receive 1 free Night Award every year after your Card account anniversary. Award can be used for one night (redemption level at or under 50,000 Marriott Bonvoy Points) at hotels participating in the Marriott Bonvoy™ program. Certain hotels have resort fees.
  • Enjoy unlimited airport lounge visits when you enroll in Priority Pass™ Select membership.
  • No Foreign Transaction Fees.
  • $450 Annual Fee.
  • Terms Apply.
  • See Rates & Fees

Best Metal Card For Online Shopping

Amazon Prime Rewards Visa Signature Card *

Up to 5% Reward Rate

Earn 5% Back at Amazon.com and Whole Foods Market; Earn 2% Back at restaurants, gas stations, and drugstores; Earn 1%Read More

Welcome Bonus

$100 Amazon.com Gift Card

Annual Fee

$0 with Prime Membership

Regular APR

14.24% - 22.24% Variable APR on purchases and balance transfers

Credit Score

Good/Excellent (700 - 749)

Why We Picked It

For existing Prime members who frequently shop at Amazon and Whole Foods, the 5% rewards rate is stellar. To further sweeten the deal, the Amazon Prime Rewards Visa Signature Card offers a 2% rewards category plus Visa Signature benefits.

Pros & Cons

  • Earn a welcome bonus without a spending requirement
  • No foreign transaction fee
  • Unlimited 5% back at Amazon and Whole Foods
  • Visa Signature benefits
  • No intro APR offer
  • 5% back excludes non-US Amazon sites
  • APR can be high, depending on your creditworthiness
  • High balance transfer fee

Card Details

  • Get a $100 Amazon.com Gift Card upon approval
  • Earn 5% back at Amazon.com and Whole Foods Market with an eligible Prime membership, 2% back at restaurants, gas stations, and drugstores and earn 1% back on all other purchases
  • No minimum rewards balance required to redeem
  • Use Amazon Rewards to pay for all or part of your purchase
  • Visa Signature Concierge service

Best Metal Card For Socializing

Savor® Rewards from Capital One®

Savor® Rewards from Capital One®

Up to 4% Reward Rate

Earn unlimited 4% cash back on dining, entertainment and popular streaming services, 3% cash back at grocery stores and 1%Read More

Welcome Bonus

One-time $300 cash bonus

Regular APR

15.99% - 23.99% Variable

Credit Score

Good/Excellent (700 - 749)

Why We Picked It

The Capital One Savor card is an ideal cash back credit card for those who love to splurge on bars, restaurants and an active social life. It's easy to justify the annual fee and accumulate great rewards with a remarkable 4% cashback rate on dining and entertainment (including popular streaming services), 3% cash back at grocery stores, and 1% cash back on all other purchases.

Pros & Cons

  • 4% cash back on eligible categories
  • Entertainment is a rare rewards category
  • No foreign transaction fees
  • Unlimited reward earnings
  • Annual fee
  • No introductory APR for purchases or balance transfers
  • Higher standard APR

Card Details

  • Earn a one-time $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening
  • Earn unlimited 4% cash back on dining, entertainment and popular streaming services
  • Earn unlimited 3% cash back at grocery stores
  • Earn unlimited 1% on all other purchases
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won’t expire for the life of the account and there’s no limit to how much you can earn
  • Capital One cardholders get access to premium experiences in dining, entertainment and more

Best Metal Card For Easy Travel Redemption

Capital One Venture Rewards Credit Card

Unlimited 2X Miles

Earn unlimited 2X miles on every purchase, every day

Welcome Bonus

60,000 miles

Regular APR

15.99% - 23.99% (Variable)

Credit Score

Excellent, Good (700 - 749)

Why We Picked It

Casual travelers who don't plan to carry a balance will find good value in this card's 2-miles-per-$1 flat rewards rate.

Pros & Cons

  • High flat rewards rate
  • Solid welcome bonus
  • No intro APR offer
  • $95 annual fee

Card Details

  • Enjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Miles won’t expire for the life of the account and there’s no limit to how many you can earn
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
Sours: https://www.forbes.com/advisor/credit-cards/best/metal/
BEST METAL CREDIT CARDS 2020

Metal credit cards are a status symbol—here are 5 that you can qualify for with good credit

Select’s editorial team works independently to review financial products and write articles we think our readers will find useful. We may receive a commission when you click on links for products from our affiliate partners.

1. Chase Sapphire Preferred Card

Chase Sapphire Preferred® Card

  • Rewards

    $50 annual Ultimate Rewards Hotel Credit, 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining, 2X points on all other travel purchases, 5X points on Lyft rides through March 2022, and 1X points on all other purchases

  • Welcome bonus

    Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening

  • Annual fee

    $95

  • Intro APR

    None

  • Regular APR

    15.99% to 22.99% variable on purchases and balance transfers

  • Balance transfer fee

    Either $5 or 5% of the amount of each transfer, whichever is greater

  • Foreign transaction fee

    None

  • Credit needed

    Excellent/Good

Terms apply.

The Chase Sapphire Preferred Card and the Chase Sapphire Reserve® are both made out of metal. In fact, when the Reserve made its debut in 2016, it was so popular that the card issuer temporarily ran out of metal to make more.

Though the Chase Sapphire Preferred is a bit lighter than its heavy metal counterpart, it's a more affordable metal card option and ranked as Select's best travel credit card with an annual fee under $100. Its $95 annual fee is on the lower end for a popular rewards travel card, and cardholders earn enough benefits to easily offset this cost.

If you would shamelessly enjoy the feeling of throwing down a metal card while traveling or dining out, this card may be for you.

With the Preferred, you can earn 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases. New cardholders also benefit from 60,000 bonus points after spending $4,000 on purchases in the first three months from account opening — which gives you ample reasoning to bring it out with you.

If you redeem points for travel or for eligible purchases through the Chase Ultimate Rewards® portal, they're worth 25% more, making that welcome bonus worth up to $750.

2. Capital One Venture Rewards Credit Card

Capital One Venture Rewards Credit Card

Information about the Capital One Venture Rewards Credit Card has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.
  • Rewards

    5X miles on hotel and rental cars booked through Capital One Travel℠, 2X miles per dollar on every other purchase

  • Welcome bonus

    Earn 60,000 bonus miles once you spend $3,000 on purchases within the first 3 months from account opening

  • Annual fee

    $95

  • Intro APR

    N/A for purchases and balance transfers

  • Regular APR

    17.24% to 24.49% variable on purchases and balance transfers

  • Balance transfer fee

    3% for promotional APR offers; none for balances transferred at regular APR

  • Foreign transaction fee

    None

  • Credit needed

    Excellent/Good

Terms apply.

If you are searching for luxury perks that match the luxurious feel of a sturdier and heavier metal card, this low-annual-fee travel card will get you there.

The Capital One Venture Rewards Credit Card ranks as one of our top credit cards for travel and rewards. It has a reasonable $95 annual fee.

Frequent travelers can earn 5X miles on hotel and rental cars booked through Capital One Travel℠ and unlimited 2X miles on every dollar spent, as well as up to a $100 credit forGlobal Entry or TSA PreCheck application fee every four years.

This metal credit card also offers a modest welcome bonus for new cardholders: Earn 60,000 bonus miles once you spend $3,000 on purchases within the first 3 months from account opening.

3. Apple Card

Apple Card

Information about the Apple Card has been collected independently by CNBC and has not been reviewed or provided by the issuer of the card prior to publication.
  • Rewards

    3% cash back on goods or services purchased directly from Apple (including Apple retail stores, the Apple online store, the App Store, iTunes, Apple Music and other Apple-owned properties) on Uber and UberEats, at Walgreens and Duane Reade stores, on the Walgreens app and on Walgreens.com, in T-Mobile stores, at Nike, at Exxon and Mobil stations and at Panera Bread, 2% cash back on Apple Pay purchases and 1% cash back on all other purchases

  • Welcome bonus

    None

  • Annual fee

    $0

  • Intro APR

    None

  • Regular APR

    10.99% to 21.99% variable

  • Balance transfer fee

    None

  • Foreign transaction fee

    None

  • Credit needed

    N/A

Terms apply.

There was a lot of hype around the Apple Card when it launched last August, partly because of its completely titanium material. True to Apple's clean branding, the card has some unique design elements as well. It is laser etched with the cardholder's name and doesn't have a printed credit card number, expiration date or security code.

When it comes to rewards, the Apple Card has a competitive "Daily Cash" cash-back program. Cardholders earn 3% cash back on goods or services purchased directly from Apple, on Uber and Uber Eats, at Walgreens and Duane Reade stores, on the Walgreens app and on walgreens.com, in T-Mobile stores and at Nike. It is then 2% cash back on Apple Pay purchases and 1% cash back on all other purchases.

While there is no welcome bonus for this card, the Apple Card is one of the few credit cards on the market that has no fees whatsoever. There are no annual fees, no foreign transaction fees and no late payment fees.

4. Amazon Prime Rewards Visa Signature Card

Amazon Prime Rewards Visa Signature Card

Information about the Amazon Prime Rewards Visa Signature Card has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.
  • Rewards

    5% cash back at Amazon.com and Whole Foods Market; 2% back at restaurants, gas stations and drugstores; 1% back on all other purchases

  • Welcome bonus

    $150 Amazon.com gift card upon approval

  • Annual fee

    $0 (but Prime membership is required)

  • Intro APR

    None

  • Regular APR

    14.24% to 22.24% variable

  • Balance transfer fee

    5%, $5 minimum

  • Foreign transaction fee

    None

  • Credit needed

    Excellent/Good

Terms apply.

Amazon Prime members can really feel the pleasure of premium membership when using this metal card. The Amazon Prime Rewards Visa Signature® Card ranked as Select's best credit card for online grocery shopping for its high 5% back on purchases at Whole Foods Market or Amazon.com — and there's no limit to how many points you can earn. While there is no annual fee, a Prime membership is required ($119 for an annual membership and $12.99 for a monthly membership).

Cardholders also earn 2% back on purchases at restaurants, gas stations and drugstores, and 1% back on all other purchases. Upon approval for the card, you receive a $150 Amazon.com gift card, making it one of the few welcome bonuses that isn't connected with a certain spending requirement.

5. Capital One Savor Cash Rewards Credit Card

Capital One Savor Cash Rewards Credit Card

Information about the Capital One® Savor® Cash Rewards Credit Card has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.
  • Rewards

    4% cash back on dining and entertainment, 4% on eligible streaming services, 3% at grocery stores and 1% on all other purchases

  • Welcome bonus

    Earn a one-time $300 cash bonus once you spend $3,000 on purchases within the first three months from account opening

  • Annual fee

    $95

  • Intro APR

    0% for the first 12 months on purchases; N/A on balance transfers

  • Regular APR

    15.99% to 24.99% variable

  • Balance transfer fee

    3% for promotional APR offers; none for balances transferred at regular APR

  • Foreign transaction fee

    None

  • Credit needed

    Excellent/Good

Terms apply.

For those who don't necessarily care about showing off their metal card status, the Capital One® Savor® Cash Rewards Credit Card is the No. 1 choice for Select's best credit card for food delivery.

Enjoy the perks of unlimited 4% cash back on dining purchases without ever leaving your home (one of the few cash-back cards that offers this). You can also earn 3% cash back at grocery stores and 1% on all other purchases.

Plus cardholders earn 4% cash back on eligible streaming services through September 30, 2020.

New cardholders earn a $300 cash bonus once spending $3,000 on purchases within the first three months. The annual fee is $95.

When you do want to get out, this card is a good choice for people who regularly attend concerts and plays since the unlimited 4% cash back applies to entertainment as well. You can get exclusive access to premier culinary experiences, sports and music events. Through January 2022, cardholders who buy tickets through Vivid Seats, a ticket resale site, can take advantage of 8% cash back.

Learn more: You can now request an invite for the American Express Centurion Card, here's how

Information about the American Express Centurion Card, U.S. Bank Altitude Reserve® Visa Infinite® Card, Citi Prestige® Card, Capital One Savor Cash Rewards Credit Card, Amazon Prime Rewards Visa Signature® Card, Capital One Venture Rewards Credit Card, and Apple Card has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.

Editorial Note: Opinions, analyses, reviews or recommendations expressed in this article are those of the Select editorial staff’s alone, and have not been reviewed, approved or otherwise endorsed by any third party.
Sours: https://www.cnbc.com/select/best-metal-credit-cards/

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