15 Best Metal Credit Cards for 2022

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Sleek, durable metal credit cards seem to be all the rage these days, serving as a status symbol of class and luxury. While many of these cards bring amazing perks and rewards for travel, dining, and entertainment, they typically have strings attached — like high annual fees and exclusive conditions.

15 of the Best Metal Credit Cards To Consider in 2022

Anyone looking to get one of these metal credit cards should be clear about what the terms are before signing up. Here’s a look at 14 of the best ones available in 2022.

1. Amazon Prime Rewards Visa Signature Card 

The Amazon Prime Rewards Visa Signature Card is an excellent option for customers focused on shopping and rewards. While there’s no annual feel, this card is only available to Amazon Prime members and brings benefits that include a $100 Amazon gift card upon approval. It also brings specific cash back offers: 5% on all Amazon and Whole Foods purchases, 2% for purchases made at restaurants, gas stations and certain retailers, and 1% on all other buys.

At 12.4 grams, the Amazon Prime Rewards Visa Signature Card may be a tad lighter than other metal credit cards. But the rewards it brings make up for that.

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2. Capital One Savor Cash Rewards Card

Among the many metal credit cards available, the 17.42-gram Capital One Savor Cash Rewards Card has amazing cash back offers and rewards. After paying the $95 annual fee, cardholders earn 4% cash back on takeout and popular streaming services, 3% cash back on groceries, and 1% on all other purchases. They can also earn 8% cash back on ticket purchases from Vivid Seats and reservations to some of the most exclusive restaurants and dining experiences in major cities across the U.S. 

3. IHG Rewards Club Premier Card 

With no introductory annual fee attached to it, JPMorgan Chase’s IHG Rewards Club Premier Card is a metal credit card intended for travelers. In 2022, cardholders can earn 125,000 bonus points if they spend $3,000 on purchases within the first three months of sign-up. They also earn as much as 25 times the points for purchases at any IHG hotel, a free anniversary night each year, as well as Platinum Elite status at all hotels.

Weighing in at 13 grams, the IHG Rewards Club Premier Card is a bit lighter than most of its competitors. But it sure packs weight in rewards.

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4. Marriott Bonvoy Brilliant American Express Card

Another option that’s great for travelers is the Marriott Bonvoy Brilliant American Express Card, which has several amazing benefits for those who frequent Marriott hotels. While this metal credit card has a hefty $450 annual fee, it brings the earning power of six times the points for every purchase at Marriott hotels, three times the points for restaurants and flights booked with the airlines, and two times the points for other eligible purchases. A more recent welcome offer can allow new American Express® Card Members to earn 75,000 Marriott Bonvoy bonus points if they spend $3,000 on purchases within the first three months of account opening.

Weighing in at 14.5 grams, the Marriott Bonvoy Brilliant American Express Card also provides a free anniversary night every renewal year as well as unlimited airport lounge access. 

5. Delta SkyMiles Platinum American Express Card

The Delta SkyMiles Platinum Card from American Express is the only airline-related metal credit card on this list for a reason. Weighing in at 15 grams, this stainless steel travel card has a $250 annual fee, but it’s one of the best available for frequent flyers, with a current welcome offer of 90,000 miles to new Card Members after they spend $3,000 in purchases within the first three months.

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With Delta SkyMiles Platinum, cardholders typically earn three times the miles for Delta and hotel purchases, two times the miles for purchases at restaurants and U.S. grocery stores, and doesn’t carry any foreign transaction fees. They also get priority boarding on flights, 20% back on in-flight purchases, and a special rate of $39 at the Delta Sky Club.

6. Wells Fargo Propel American Express Card

Weighing in at 10 grams, the Wells Fargo Propel Credit Card from American Express is the lightest of the bunch, but it’s heavy on benefits for frequent travels and avid shoppers. With a $0 annual fee and 0% APR for the first year, this card earns cardholders three times the points on dining and takeout, streaming subscriptions, gas, flights, hotels and much more. It also brings free mobile phone protection and no foreign transaction or currency conversion fees among other benefits.

7. Capital One Venture Rewards Card

At a sturdy weight of 16.5 grams, the Capital One Venture Rewards Card is another straightforward metal credit card that offers great rewards for anyone willing to pay its $95 annual fee. In 2022, cardholders can be eligible for a one-time bonus of 60,000 miles (a $600 value) after spending $3,000 on purchases within three months of opening the account. They also earn five times the miles on hotel and rental cars booked through Capital One Travel and two times the miles for every dollar on any purchase. With no foreign transaction fees, it’s easy to want to carry this card all around the world.

8. Chase Sapphire Preferred Card 

The Chase Sapphire Preferred Card is an excellent metal credit card for those who enjoy big-budget travel, offering a one-time bonus of 80,000 miles (a $1,000 value) after a new cardholder spends $4,000 on purchases during the first three months of account opening.

When purchasing through Chase Ultimate Rewards, cardholders earn five times the points, as well as three times the points for dining, takeout, and delivery, and two times the points on travel purchases. This 12.5-gram card has an annual fee of $95, but its rewards promise big savings — a reason why it’s one of the most popular metal credit cards available.

9. U.S. Bank Altitude Reserve Visa Infinite Card 

Weighing in at 16 grams, the stainless steel U.S. Bank Altitude Reserve Card has an annual fee of $400 but brings several travel benefits. These benefits include earning three points for every dollar spent on prepaid hotels and rental cars booked through U.S. Bank’s travel center as well as all other travel spending and mobile wallet buys. Those who sign up in 2022 can earn 50,000 bonus points (a value of $750) if they spend $4,500 during the first 90 days with the card. 

Cardholders also get a year of Priority Pass airport lounge access and several Visa Infinite luxury hotel benefits. The Altitude Reserve Card is a metal credit card for those looking to greatly improve their travel experience, one swipe at a time. 

10. American Express Gold Card

The American Express Gold Card is an excellent metal credit card that will satisfy any account holder seeking to refine how they enjoy their travels. Card Members get $120 in dining credit a year, as well as $120 in Uber Cash. Purchases from restaurants, takeout, and groceries also yield four times the rewards points. The 14.7 gram American Express Gold Card has a $250 annual fee and is available in regular Gold or Rose Gold, ensuring that this metal credit card adds flair to shopping while traveling.   

11. Chase Sapphire Reserve Card

As the premium version in the Sapphire line, the Chase Sapphire Reserve Card offers cardholders several notable benefits, like $300 in travel credits, a complimentary yearlong membership with Lyft Pink, free lounge access in airports around the world, and three times the points for travel and dining purchases. Even though it brings a hefty $550 annual fee, this 12.4-gram metal credit card brings benefits that pay for itself, especially if the cardholder is a frequent traveler.

12. Mastercard Black Card

Mastercard’s Black Card not only makes a statement in its appearance and weight — 22 grams — but also brings a hefty annual fee of $495 to boot. This metal credit card targets those who seek luxury — and those who spend large sums of cash are likely to ones to reap its rewards the best. Benefits include 24/7 access to Mastercard’s Luxury Card Concierge service, $100 airline statement credits and VIP Airport lounge access through Priority Pass Select. There are foreign transaction fees or introductory bonuses with this card.

13. Mastercard Gold Card

The Mastercard Gold Card is plated with 24-karat gold. Offering much of the same benefits as the Black Card, for a $995 annual fee, Mastercard Gold cardholders have access to perks like $200 in airline statement credits, Luxury Card Concierge service and VIP airport lounge access. This card is more about proving its luxury status, and at 22 grams, it brings substantial heft to any wallet.   

14. American Express Platinum Card

Despite its $695 annual fee, the American Express Platinum Card is one of the most exclusive and sought-after metal credit cards. It provides some of the best benefits for luxury travelers, like five times the rewards points for flights and hotels booked through American express travel, as well as hundreds in statement credits. Weighing in at 17.3 grams, this card also provides elite status at Hilton and Marriott hotels and access to the Centurion Network.

15. Apple Card

If you’re an Apple user and love to snap up the latest purchases from the company, you should consider adding the Apple Card to your lineup. You can choose to make interest-free payments on your purchases with Apple Card Monthly Installments.

Receive 3% cash back on your Apple purchases and with some retailers such as Nike, Panera Bread and Uber. You can receive 2% daily cash back if you pay with your iPhone or Apple Watch. There’s even tools that help track and break down your purchases so you can gauge your spending habits. This card weighs in at 14.75 grams and is made of titanium, known for its strength and durability.

Metal Credit Cards May Seem Nice, But…

While a metal credit card looks sleek and feels amazing to place on the table when paying a bill, it’s important to consider the terms the card brings. Those interested in these cards should consider several factors ahead of applying, like interest rates, fees, rewards, and limited-time offerings. Doing so will ensure the best return on investment.

Melanie Grafil contributed to the reporting for this article.

Editorial Note: This content is not provided by the companies mentioned. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by the companies mentioned.

Editorial Note: This content is not provided by American Express. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by American Express.

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About the Author

Moubin Ghafoory is a freelance content writer who formerly worked for a prominent digital marketing firm. Writing is his profession and his passion, and in his off time, he studies and practices writing fiction. He lives in Northern Virginia and drinks coffee by the gallon.

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