How to Flaunt Your Wealth With a Metal Credit Card

How to Flaunt Your Wealth With a Metal Credit Card

Metal Card

How to Flaunt Your Wealth With a Metal Credit Card

Unlike their plastic counterparts, metal credit cards are typically more expensive and offer premium perks. These include bespoke services, beck-and-call concierge assistance and invitation-only luxury hotel-chain stays.

Before you apply for a metal card, make sure it’s right for you by comparing its welcome bonus, earn rate and annual fee. Then, mail your card back to your provider or drop it off at a bank branch for destruction.


Credit cards are a status symbol and many people like to flaunt their wealth with a premium metal card. These cards are typically brushed stainless steel or titanium, and some come with a gold trim or diamond in the center. Some even have a built-in security chip to help prevent fraud.

These cards have a more luxurious feel than their plastic counterparts and often require good or excellent credit for approval. They are also heavier and more durable than plastic cards. However, they can still perform the same functions as regular plastic cards and are often accepted at chip readers. Several third-party services offer to convert existing plastic credit or debit cards into a metal version for a fee.

The Centurion card from American Express* is the best-known example of a metal credit card and is usually seen as a status symbol. But these cards are very exclusive and can only be obtained through invitation or by a special upgrade, and they come with a high annual fee and opulent benefits. In addition, they can cause problems in some situations because they are made of metal and may set off security systems.


Metal credit cards are usually made from anodized titanium or gold, and they are designed to be more durable than plastic cards. They are also typically heavier than plastic cards, which some people enjoy. However, the increased durability comes at a price: Metal cards can be more expensive and can sometimes set off metal detectors when going through security checkpoints.

In addition to being more durable than plastic cards, metal credit cards often come with premium perks and benefits. For example, many of them feature airport lounge access and elite status in loyalty programs. They also tend to have higher annual fees than plastic cards.

However, you should never choose a credit card solely based on its Metal Card material or design. You should always consider the welcome bonus, earn rate, benefits and annual fee when choosing a card. In addition, you should also think about how the card is disposed of when it’s time to replace it. Most metal cards can’t be shredded, and you will have to send them back to the issuer for disposal.


Although they can serve as status symbols and have a pleasing feel in the hand, metal credit cards are similar to their plastic counterparts in terms of functionality. For instance, they can be inserted into a credit card reader and used for online transactions. They may also set off airport metal detectors and be more difficult to use at merchants who don’t have modern credit card terminals that can read the chips.

Moreover, many metal credit cards come with high annual fees, so they’re only worth having if you have a great credit score and plan to spend heavily. However, some metal cards offer fantastic perks that can offset the cost of the annual fee. These perks can include airport lounge access, elite status in loyalty programs and travel statement credits.

Another downside of metal cards is that they can’t be shredded or cut like regular plastic cards. If you want to replace your metal card, you’ll have to work with the issuer to ship it back to them. This is an inconvenience, but it’s better than risking your card getting lost or stolen.


Many metal credit cards are designed to look more upscale and carry a premium feel. They often come with a heftier annual fee than their plastic counterparts, but they also often offer lucrative rewards programs and perks like lounge access and elite status in loyalty programs.

However, some of the benefits of a Metal Card may be offset by their durability and lack of flexibility. For example, if you need to destroy a metal credit card upon expiration or account closure, it can be difficult to do so because you can’t cut it with scissors or put it through a shredder. Some card issuers will provide a prepaid envelope or offer in-person drop-off locations for their customers to send them the cards for destruction.

Metal credit cards typically cost more than their plastic counterparts, so they should only be used for essential spending. Before you apply, check the welcome bonus, earn rate and annual fee to make sure that the card is a good fit for your spending habits. You can use our Credit Card Spender Type Tool to help you find the best card for your needs.

Annual fee

While metal cards once were reserved for high-end cardholders, more and more options are now available to average consumers. These credit cards can be made from brushed or polished stainless steel, brass, titanium, gold, and even palladium, often combined with plastic. Regardless of the material, these cards function exactly like their plastic counterparts.

The only real difference is their weight and look. The plunk factor is a big Metal Card draw for some people, as is the feeling of luxury they get when handing over their metal card.

Most of the metal cards have an annual fee and a minimum credit score requirement, but some do not. If you decide to go for one, you should compare the benefits and perks against the annual fee to make sure the card is worth it. Besides the annual fee, you also need to consider how easy it will be to destroy the card once it expires or is no longer in use. Most issuers will give you a pre-paid envelope to send your expired card back to them for destruction.