Metal credit cards are less prevalent than plastic, but they've been around for over 100 years. Mostly used as a marketing gimmick, metal credit cards may be made of stainless steel, aluminum, titanium or a mix of materials. Meanwhile, most credit cards on the market today are made of a type of plastic called polyvinyl chloride, commonly referred to as PVC -- the same material used in many modern plumbing systems. Show
While they are often advertised as a luxury credit card alternative, metal credit cards don't operate any differently than other credit cards. The only functional difference is that you may be able to find a metal card more easily if you're sifting through your wallet or purse, as these cards are typically heavier than average and easier to identify by touch. Below are the best metal credit cards in terms of rewards, fees and perks. Read more: The History of Credit Cards
 Best metal credit card with no annual fee
X1 CardIntro OfferN/A APR16.50% - 27.00% Variable Intro Purchase APRN/A Recommended Credit Excellent/Good Credit Reward Rates
Annual FeeNone Balance Transfer APR16.50% - 27.00% Variable Balance Transfer Fee 2% of the amount of each transfer. Penalty APR NONE
Our TakeThe X1 Card is a new rewards credit card made of 17 grams of stainless steel and offers the best combination of benefits among metal credit cards. With no annual fee, it is one of the least expensive metal credit cards available, and the rewards program allows you to earn up to 2x to 10x points back. With a top redemption rate of 1 cent per point, that means you can earn up to 10% back on your purchases (4x, 5x or 10x points earned for 30 days for each friend you invite who gets the card). To find out more about how to maximize rewards with this card and use its innovative virtual credit card tools, check out our full review of the X1 Card.
Intro OfferUp to a $150 Amazon gift card instantly upon approval APR17.24% - 25.24% Variable Intro Purchase APRN/A Recommended Credit Excellent/Good Reward Rates
Annual Fee$0 Balance Transfer APR17.24% - 25.24% Variable Balance Transfer Fee Either $5 or 5% of the amount of each transfer, whichever is greater. Late Payment Fee Up to $39 Foreign Transaction Fees None
Our TakeWhile the Amazon Prime Rewards Visa Signature Card* doesn't technically have an annual fee, you'll need to be a Prime member ($139 annually) to get this card. This metal credit card is best for frequent Amazon.com and Whole Foods shoppers, offering 5% cash back at both. That's one of the best rewards rates on best rewards rates on groceries, or frankly anything -- and Amazon's e-commerce site envelops plenty of merchandise that other credit card reward categories don't typically cover, like clothing, electronics, household appliances, toys, books, office supplies and more. The additional rewards categories outside of the Amazon ecosystem also make this credit card good for everyday spending, which can't be said of many retailer co-branded credit cards. For more information, see our full review of the Amazon Prime Rewards Visa Signature Card.
Intro OfferEarn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership. APR19.74%-26.74% Variable Intro Purchase APRN/A Recommended Credit Excellent/Good Reward Rates
Annual Fee$250 Balance Transfer Fee N/A Late Payment Fee Up to $40 Foreign Transaction Fees None Penalty APR See Rates & Fees
Our TakeNo, it's not made of gold. But it's still metal, and you can choose between the classic gold or the rose gold designs when you're approved for the American Express Gold Card. This card sits at an unusual price point -- the annual fee is $250 -- but it also offers the value of a combined restaurant card, grocery card and travel card. While most cards at the $95-$99 price point specialize in one flagship rewards type at the expense of other spending categories, the Gold Card offers top rewards rates on multiple major categories. For more information about the rewards and credits this card offers, check out our full review of the Amex Gold Card.
Intro OfferEarn 80,000 Membership Rewards® points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership. APRSee Pay Over Time APR Intro Purchase APRN/A Recommended Credit Excellent/Good Reward Rates
Annual Fee$695 Balance Transfer Fee N/A Late Payment Fee Up to $40 Foreign Transaction Fees None Penalty APR See Rates & Fees
Our TakePremium travel cards are designed for frequent travelers. Besides the usual rewards and welcome bonuses, they typically offer additional comforts like upgrades at the airport and annual flight credits. They are some of the most expensive cards available, and The Platinum Card from American Express is no exception with a $695 annual fee. Besides the metal composition, some applicants will have the option to choose among the classic silver design and two avant-garde renditions. Despite The Platinum Card's price, its rewards program is surprisingly lackluster compared to less expensive travel credit cards -- so it's only worth the cost if you can take advantage of the many travel, retail and entertainment credits it offers. To learn more about the credits and rewards program, see our full review of The Platinum Card.
Intro OfferEarn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,200 toward travel when you redeem through Chase Ultimate Rewards® APR19.99% - 26.99% Variable Intro Purchase APRN/A Recommended Credit Excellent Reward Rates
Annual Fee$550
Balance Transfer APR19.99% - 26.99% Variable Balance Transfer Fee Either $5 or 5% of the amount of each balance transfer, whichever is greater Foreign Transaction Fees $0 Penalty APR Up to 29.99%
Our TakeThe Chase Sapphire Reserve is another premium metal travel credit card, but with a lower annual fee at $550. When compared to the Platinum Card from American Express, the Sapphire Reserve has a more robust rewards program, offering competitive rewards rates beyond just travel bookings through the credit card issuer's portal. But when it comes to extra travel perks and credits, the Sapphire Reserve has a lot less to offer. Still, you'll be able to take advantage of a credit for TSA Precheck or Global Entry, and Priority Pass lounge access that allows you and a guest to access more than 1,300 airport lounges worldwide. For more information, see our full review of the Chase Sapphire Reserve. FAQsHow much do metal credit cards weigh?Metal credit cards are heavier than typical plastic credit cards. Whereas plastic credit cards weigh roughly 5 grams, metal credit cards are often three times that, weighing in at 17 or 18 grams. What are metal credit cards made out of?Metal credit cards can be made from a variety of materials. Most of these materials are durable -- like stainless steel, aluminum and titanium -- and some use a mix of materials. How do I get rid of a metal credit card?Most plastic credit cards should be put through a shredder when you close the account, but you don't want to do that with a metal credit card. You can mail your metal card back to the issuer, or you can use a tool called tin snips to cut up your credit card. Either route will ensure your private information does not get into the wrong hands. Our methodologyCNET reviews credit cards by exhaustively comparing them across set criteria developed for each major category, including cash back, welcome bonus, travel rewards and balance transfer. We take into consideration the typical spending behavior of a range of consumer profiles -- with the understanding that everyone's financial situation is different -- and the designated function of a card. For rates and fees of The Platinum Card from American Express, click here. For rates and fees of the American Express Gold Card, click here. *All information about the Amazon Prime Rewards Visa Signature Card has been collected independently by CNET and has not been reviewed by the issuer. The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or services offered by our partners. What are the heavy credit cards called?Metal credit cards offer more protection and clout than their plastic counterparts, but not all card options are created equal. Here are some metal credit cards offered through our partner that each offer unique perks and benefits.
What does it mean when a credit card is heavy?Metal credit cards also feel different from plastic ones and are heavier. A plastic credit card, for instance, weighs roughly 1 ounce, while the Platinum Card from American Express weighs seven times that. Other metal card weights vary based on whether the cards contain plastic.
What is the highest level of credit card you can get?The most exclusive credit card is the American Express Centurion Card, also known as the Amex Black Card. It is reportedly reserved for people who spend at least $100,000 per year, and an invitation is needed to apply.
How do you get a heavy black card?What Credit Score Is Needed for a Black Card? In addition to being a high earner and meeting large spending requirements, you'll need top credit scores to get a black card. A credit score between 800 and 850 is considered exceptional.
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How to get a heavy credit card
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