You can get a metal credit card from several major issuers, including Amex, Capital One, and Chase, if you have good or excellent credit. In most cases, you simply have to apply for a card that’s available in metal and then satisfy the credit score and income requirements.
There are some particularly exclusive metal cards, like the famous Centurion® Card from American Express or "Black Card," which requires an invitation and a $10,000 initiation fee. However, since the Amex Black Card debuted, metal credit cards have become increasingly common. Many of the biggest credit card companies issue metal cards that are relatively simple for consumers with good credit or better to get.
How to Get a Metal Credit Card
- Check your credit score. If you don’t have a credit score of 700 or above, it’s unlikely you’ll qualify for a metal card. You can check your score for free on WalletHub.
- Pick a metal card that suits your needs. Many of the best metal credit cards offer lucrative rewards in exchange for a high annual fee. If you’re a big spender, you could save a lot of money with these cards, but if you only want the prestige of a metal card without the expensive benefits, you’ll want to look for one with a lower fee.
- Apply for the card of your choice. Applying for a metal credit card is the same as applying for any other type of card. You should only apply for one card at a time, and only for cards you’re confident you’ll be approved for, ideally because you got pre-qualified.
The feeling of prestige that comes from pulling out a heavy, shiny metal credit card has never been easier to achieve. If you have good or excellent credit, there could be several options available to you, so you can choose the metal card that best fits your needs.
Best Metal Credit Cards
- Best Metal Credit Card:
- Best for Lounge Access:
- Best Initial Bonus:
- Best Annual Travel Credit:
Credit cards made out of metal are seen as status symbols, as they show you can meet high credit and income requirements. But it’s important to remember that the only real difference between a metal credit card and any other credit card is the material. The fees, rates, rewards, and other terms are what really make a card stand out.
How to Get a Custom Metal Card
If the material is all you’re after, there are several third-party vendors that will turn your plastic card into a custom metal card. This requires you to send the company your plastic card, so be sure you find one with an established reputation, and lock your credit card before mailing it.
This answer was last updated on 07/24/24 and it was first published on 04/03/23. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
FAQs
You can get a metal credit card from several major issuers, including Amex, Capital One, and Chase, if you have good or excellent credit. In most cases, you simply have to apply for a card that's available in metal and then satisfy the credit score and income requirements.
What credit score do you need for a metal credit card? ›
A credit score of 700 or higher is needed to get a metal card in most cases, as metal credit cards typically require good or excellent credit for approval.
Who issues a metal credit card? ›
Our top picks for the best metal credit cards are The Platinum Card® from American Express, Chase Sapphire Reserve®, and Chase Sapphire Preferred® Card, among others. Metal credit cards are made of metals like stainless steel, platinum or gold.
How long does it take to get a metal credit card? ›
Receive your metal card
It usually takes around 2-7 days to receive your new card. It will take longer for international orders. There are also many issuers that offer metal credit cards nowadays. However, most metal cards have high annual fees and require good-to-excellent credit.
Can I request a metal card from Capital One? ›
You simply have to apply for the Venture card and get approved to receive a card that is “made of stainless steel veneer and is produced with 75% recycled materials,” according to Cap One. The offer doesn't apply to existing cardholders.
Can I ask my bank for a metal card? ›
Can I request a metal credit card? No, generally, a metal credit card is not a feature you can choose, although a few issuers may allow you to choose between plastic or metal. Instead, metal credit cards are more often offered for specific credit card products that you can apply for.
How do you qualify for a JP Morgan metal card? ›
This is an invite-only card for those with a minimum of $10 million in assets managed by J.P. Morgan's private bank. It ranks up there with the Centurion® Card from American Express in terms of exclusivity. It does offer valuable benefits that justify its annual fee of $550 ($75 for each additional user).
What is the hardest Capital One credit card to get? ›
Capital One Venture X Rewards Credit Card
A rating of 5 is the best a card can receive. Why it's one of the hardest credit cards to get: The Capital One Venture X Rewards Credit Card is hard to get because it requires excellent credit for approval and charges an annual fee of $395.
What does a black metal credit card mean? ›
Having a black card typically means that you own a high-end credit card with exclusive benefits and perks. Black cards are often associated with premium credit cards offered by various financial institutions.
Is Chase Sapphire preferred metal in 2024? ›
Read our Chase Sapphire Preferred® Card review. 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.
No, Capital One Quicksilver is not a metal card. Capital One issues only two metal cards, the Capital One Venture Rewards Credit Card and the Capital One Venture X Rewards Credit Card. While Capital One Quicksilver comes in plastic, it still has plenty to offer.
Are metal credit cards a status symbol? ›
In reality though, the biggest benefit is often personal - metal cards are an understated status symbol, signifying wealth and prestige to others. It feels good to drop a metal credit card down onto the restaurant bill when you are having dinner with friends.
What qualifies you for a metal credit card? ›
Metal credit cards are often marketed to those who travel extensively and have significant disposable income. They can have annual fees in the hundreds of dollars although they often also come with fantastic perks such as free airport lounge access, elite status in loyalty programs and travel statement credits.
Is it hard to get a metal credit card? ›
Several metal credit cards are available today, and most aren't invite-only, which makes them more accessible. But remember that some of these cards come with a high annual cost, so do your research before applying. Potential options include: The Platinum Card® from American Express.
Does Chase offer a metal credit card? ›
Aside from being eye-catching, metal credit cards are also sturdier than traditional plastic cards, making them a popular choice for consumers. Chase offers many embedded metal cards, two of which are the Chase Sapphire Preferred® card and the Chase Sapphire Reserve® card.
Can you make any card a metal card? ›
CardRare Converts Your Plastic Credit/Debit Card to Luxurious Metal or 24K Gold. Works with any Card.
Is metal credit card worth it? ›
Metal credit cards may come with additional fees due to the premium services they offer. These could include annual fees, late payment fees, or foreign transaction fees. Which banks or financial institutions offer metal credit cards? Various financial institutions offer metal credit cards.
Which bank gives metal debit card? ›
Which Banks Provide Metal Debit Cards in India?
| Name of Bank | Name of Metal Debit Card |
|---|
| Union Bank of India | RuPay HNI Emperio |
| Bank of India | Visa Signature Debit Card (available in metal and plastic variants) |
| Bank of Baroda | Visa Infinite Debit Card |
| Kotak Mahindra Bank | Privy League Black Debit Card |
Rates & FeesBest Metal Credit Card:
