Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate credit cards to write unbiased product reviews .
The information for the following product(s) has been collected independently by Business Insider: U.S. Bank Altitude® Reserve Visa Infinite® Card, U.
S. Bank Altitude® Go Visa Signature® Card. The details for these products have not been reviewed or provided by the issuer.
Introduction to Metal Credit Cards Some people consider metal credit cards to be a status symbol. But they're not necessarily the sign of opulence you might imagine them to be. Some metal cards don't even come with an annual fee — and you can be approved with a less-than- excellent credit score .
In other words, the sound a credit card makes when you drop it on the table at a restaurant doesn't make you fancy. Still, you may enjoy a surge of dopamine every time you hand a metal credit card to a cashier. If you're looking for a metal credit card, we've highlighted the best credit cards from each major category so you can find one that suits your lifestyle.
Interested in a limited-edition metal version of this card made from retired Boeing 747s? New and existing Delta Reserve cardholders can request the new design from Amex, free of charge, through June 5, 2024. Compare the Top Metal Credit Cards Earn unlimited 10 miles per dollar on hotels and rental cars booked through Capital One Travel. Earn 5 miles per dollar on flights booked through Capital One Travel.
Earn unlimited 2 miles on all other purchases. $395 N/A 19.99% - 29.
99% variable Earn 75,000 bonus miles Excellent Check mark icon A check mark. It indicates a confirmation of your intended interaction. Excellent welcome bonus and miles earning Check mark icon A check mark.
It indicates a confirmation of your intended interaction. Premium perks including airport lounge access and credits for certain purchases Check mark icon A check mark. It indicates a confirmation of your intended interaction.
Visa Infinite benefits including travel and shopping protections con icon Two crossed lines that form an 'X'. High annual fee con icon Two crossed lines that form an 'X'. Annual travel credits only apply to Capital One Travel purchases The Capital One Venture X Rewards Credit Card is one of the best credit cards for frequent travelers, with top-notch benefits and a wide range of built-in protections.
It comes with a generous welcome bonus and credits that can help offset the annual fee — which is much lower than similar premium cards. Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel Earn unlimited 2X miles on all other purchases Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more Receive up to a $100 credit for Global Entry or TSA PreCheck® Earn 5x on travel purchased through Chase TravelSM. Earn 3x on dining, select streaming services and online groceries.
Earn 2x on all other travel purchases. Earn 1x on all other purchases. $95 N/A 21.
49% - 28.49% Variable Earn 60,000 bonus points Good to Excellent Check mark icon A check mark. It indicates a confirmation of your intended interaction.
High intro bonus offer starts you off with lots of points Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong travel coverage con icon Two crossed lines that form an 'X'.
Doesn't offer a Global Entry/TSA PreCheck application fee credit If you're new to travel rewards credit cards or just don't want to pay hundreds in annual fees, the Chase Sapphire Preferred® Card is a smart choice. It earns bonus points on a wide variety of travel and dining purchases and offers strong travel and purchase coverage, including primary car rental insurance. Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
That's $750 when you redeem through Chase TravelSM. Enjoy benefits such as 5x on travel purchased through Chase TravelSM, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more. Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase TravelSM.
For example, 60,000 points are worth $750 toward travel. Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more. Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
Member FDIC Earn 5x points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase TravelSM immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1x point per $1 spent on all other purchases. $550 N/A 22.
49% - 29.49% Variable Earn 60,000 bonus points Good to Excellent Check mark icon A check mark. It indicates a confirmation of your intended interaction.
Annual travel credit can effectively shave $300 off the annual fee if you use it Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong travel insurance Check mark icon A check mark.
It indicates a confirmation of your intended interaction. Strong bonus rewards on travel and dining con icon Two crossed lines that form an 'X'. Very high annual fee If you're new to rewards credit cards you may want to start elsewhere, but if you know you want to earn Chase points and you spend a lot on travel and dining, the Sapphire Reserve is one of the most rewarding options.
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase TravelSM. $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase TravelSM 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 TravelSM. For example, 60,000 points are worth $900 toward travel.
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 PassTM Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck® Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more. Member FDIC Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel (on up to $500,000 per calendar year) and on prepaid hotels booked with American Express Travel. Earn 1X Points on other purchases.
$695 N/A See Pay Over Time APR Earn 80,000 Membership Rewards® points Good to Excellent Check mark icon A check mark. It indicates a confirmation of your intended interaction. Long list of travel benefits, including airport lounge access and complimentary elite status with Hilton and Marriott (enrollment required) Check mark icon A check mark.
It indicates a confirmation of your intended interaction. Annual statement credits with Saks and Uber con icon Two crossed lines that form an 'X'. Bonus categories leave something to be desired con icon Two crossed lines that form an 'X'.
One of the highest annual fees among premium travel cards If you want as many premium travel perks as possible, The Platinum Card® from American Express could be the right card for you. The annual fee is high, but you get a long list of benefits such as airport lounge access, travel statement credits, complimentary hotel elite status, and more. Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu. 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 up to $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®.
The Hotel Collection requires a minimum two-night stay. $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
$155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®. $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.
Terms Apply. $189 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 year period for TSA PreCheck® application fee for a 5-year plan only (through a TSA PreCheck® official enrollment provider), when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually.
Enrollment required. Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile. $695 annual fee.
Terms Apply. Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott BonvoyTM program. Earn 3 points at Worldwide Restaurants and on flights booked directly with airlines.
Earn 2 points on all other eligible purchases. $650 N/A 20.99% - 29.
99% Variable Earn 95,000 Marriott Bonvoy bonus points Good to Excellent Check mark icon A check mark. It indicates a confirmation of your intended interaction. Annual statement credits can save you money on Marriott stays Check mark icon A check mark.
It indicates a confirmation of your intended interaction. You get a free reward night each year after your renewal month con icon Two crossed lines that form an 'X'. High annual fee con icon Two crossed lines that form an 'X'.
Other cards are more rewarding for earning points on your spending If you're loyal to Marriott, the Marriott Bonvoy Brilliant® American Express® Card can help you save money and improve your stays, thanks to automatic Marriott Platinum elite status and lots of opportunities to earn additional points. Earn 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership. $300 Brilliant Dining Credit: Each calendar year, get up to $300 (up to $25 per month) in statement credits for eligible purchases made on the Marriott Bonvoy Brilliant® American Express® Card at restaurants worldwide.
With Marriott Bonvoy Platinum Elite status, you can receive room upgrades, including enhanced views or suites, when available at select properties and booked with a Qualifying Rate. Earn 6X Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy®. 3X points at restaurants worldwide and on flights booked directly with airlines.
2X points on all other eligible purchases. Free Night Award: Receive 1 Free Night Award every year after your Card renewal month. Award can be used for one night (redemption level at or under 85,000 Marriott Bonvoy points) at hotels participating in Marriott Bonvoy®.
Certain hotels have resort fees. Each calendar year after spending $60,000 on eligible purchases on your Marriott Bonvoy Brilliant® American Express® Card, you will be eligible to select a Brilliant Earned Choice Award benefit. You can only earn one Earned Choice Award per calendar year.
See https://www.choice-benefit.marriott.
com/brilliant for Award options. $100 Marriott Bonvoy Property Credit: Enjoy your stay. Receive up to a $100 property credit for qualifying charges at The Ritz-Carlton® or St.
Regis® when you book direct using a special rate for a two-night minimum stay using your Card. Fee Credit for Global Entry or TSA PreCheck®: Receive either a statement credit every 4 years after you apply for Global Entry ($100) or a statement credit every 4.5 years after you apply for a five-year membership for TSA PreCheck® (up to $85 through a TSA PreCheck official enrollment provider) and pay the application fee with your Marriott Bonvoy Brilliant® American Express® Card.
If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck. Each calendar year with your Marriott Bonvoy Brilliant® American Express® Card you can receive 25 Elite Night Credits toward the next level of Marriott Bonvoy® Elite status. Limitations apply per Marriott Bonvoy member account.
Benefit is not exclusive to Cards offered by American Express. Terms apply. Enroll in Priority PassTM Select, which offers unlimited airport lounge visits to over 1,200 lounges in over 130 countries, regardless of which carrier or class you are flying.
This allows you to relax before or between flights. You can enjoy snacks, drinks, and internet access in a quiet, comfortable location. No Foreign Transaction Fees on international purchases.
With Cell Phone Protection, you can be reimbursed, the lesser of, your repair or replacement costs following damage, such as a cracked screen, or theft for a maximum of $800 per claim when your cell phone line is listed on a wireless bill and the prior month's wireless bill was paid by an Eligible Card Account. A $50 deductible will apply to each approved claim with a limit of 2 approved claims per 12-month period. Additional terms and conditions apply.
Coverage is provided by New Hampshire Insurance Company, an AIG Company. $650 Annual Fee. Terms Apply.
Earn 3x Miles on Delta purchases made directly with Delta. Earn 1X Miles on all other purchases. $650 N/A 20.
99% - 29.99% Variable Earn 60,000 bonus miles Good to Excellent Check mark icon A check mark. It indicates a confirmation of your intended interaction.
Annual companion certificate benefit, which is valid for domestic first class and Comfort+ as well as the main cabin Check mark icon A check mark. It indicates a confirmation of your intended interaction. Access to Delta Sky Clubs and American Express Centurion Lounges when you're flying Delta Check mark icon A check mark.
It indicates a confirmation of your intended interaction. Earns 3x miles on Delta purchases con icon Two crossed lines that form an 'X'. Very high annual fee con icon Two crossed lines that form an 'X'.
Doesn't offer bonus miles on non-Delta purchases The Delta SkyMiles® Reserve American Express Card is one of the best airline credit cards for frequent Delta flyers who can use benefits like airport lounge access, which can make the $650 annual fee worthwhile. Earn 60,000 Bonus Miles after you spend $5,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Enjoy complimentary access to the Delta Sky Club.
Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter. Once all 15 Visits have been used, Eligible Card Members may purchase additional Delta Sky Club Visits at a per-Visit rate of $50 per person using the Card. Receive four Delta Sky Club® One-Time Guest Passes each year when you fly Delta so you can share the experience with family and friends.
Enjoy complimentary access to The Centurion® Lounge when you book a Delta flight with your Reserve Card. Receive $2,500 Medallion® Qualification Dollars each Medallion Qualification Year and get closer to Status with MQD Headstart. Earn $1 Medallion® Qualification Dollar for each $10 of purchases made on your Delta SkyMiles® Reserve American Express Card in a calendar year and get a boost toward achieving elevated Medallion Status for next Medallion Year.
Receive a Companion Certificate on First Class, Delta Comfort+®, or Main Cabin domestic, Caribbean, or Central American roundtrip flights each year after renewal of your Card. The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply.
See terms and conditions for details. $240 Resy Credit: When you use your Delta SkyMiles® Reserve American Express Card for eligible purchases with U.S.
Resy restaurants, you can earn up to $20 each month in statement credits. Enrollment required. $120 Rideshare Credit: Earn up to $10 back in statement credits each month after you use your Delta SkyMiles® Reserve American Express Card to pay for U.
S. rideshare purchases with select providers. Enrollment required.
Delta SkyMiles® Reserve American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
With your Card receive upgrade priority over other Medallion Members within the same Medallion level and fare class. Delta SkyMiles® Reserve American Express Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members. Earn 3X Miles on Delta purchases and earn 1X Miles on all other eligible purchases.
No Foreign Transaction Fees. $650 Annual Fee. Terms Apply.
Earn 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com. Earn 1.
5X points on each eligible purchase at shipping providers, US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, as well as on purchases of $5,000 or more everywhere else (on up to $2 million per calendar year). Earn 1X points for each dollar you spend on other eligible purchases. $695 N/A 19.
49% - 28.49% Variable Earn 150,000 Membership Rewards® points Good to Excellent Check mark icon A check mark. It indicates a confirmation of your intended interaction.
More travel benefits than you'll find on any other business credit card Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous airport lounge access options, from American Express Centurion Lounges to Priority Pass (enrollment required) Check mark icon A check mark.
It indicates a confirmation of your intended interaction. Complimentary hotel elite status (enrollment required) Check mark icon A check mark. It indicates a confirmation of your intended interaction.
Access to Amex concierge services con icon Two crossed lines that form an 'X'. Very high annual fee con icon Two crossed lines that form an 'X'. Limited opportunities to earn bonus points con icon Two crossed lines that form an 'X'.
Annual statement credits won't be useful for everyone The Business Platinum Card® from American Express is one of the best small-business cards with an elevated bonus and top-notch benefits (and a premium annual fee to match). It's an excellent offer if you like earning Membership Rewards points and you can maximize the bonus spending categories and perks — but be sure to assess whether the annual fee is worth it for you before you commit. Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases. Earn 1.
5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year. Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required.
See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®, here. $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card. $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023. $695 Annual Fee.
Terms Apply. Earn 1-5x points on purchases $400 N/A 21.24% - 28.
24% Variable Excellent Check mark icon A check mark. It indicates a confirmation of your intended interaction. Substantial welcome bonus and great earning opportunities, especially with mobile wallets Check mark icon A check mark.
It indicates a confirmation of your intended interaction. $325 annual travel and dining credit can offset most of the $400 annual fee Check mark icon A check mark. It indicates a confirmation of your intended interaction.
Top-notch travel insurance and protections con icon Two crossed lines that form an 'X'. You must have an existing relationship with US Bank to be approved con icon Two crossed lines that form an 'X'. Limited to a 12-month complimentary Priority Pass membership with only four free visits for cardholder (plus a guest) included con icon Two crossed lines that form an 'X'.
No airline or hotel transfer partners The U.S. Bank Altitude® Reserve Visa Infinite® Card is a premium credit card with benefits that have no trouble offsetting the annual fee.
One of its most unique (and valuable) qualities is its ability to earn 3x points on all purchases made through a mobile wallet, so if you use payment methods like Apple Pay or Samsung Pay, you'll have no problem accruing points in a hurry. The information related to the U.S.
Bank Altitude® Reserve Visa Infinite® Card has been collected by Business Insider and has not been reviewed by the issuer. 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 Earn 3X points for every $1 on eligible travel purchases and mobile wallet Earn 1X point per $1 spent on all other eligible net purchases Use your mobile device to instantly redeem points for almost any purchase Earn 4X points on dining, takeout, and restaurant delivery. Earn 2X points on streaming services, gas stations and EV charging stations, and at grocery stores.
Earn 1X point on all other eligible purchases. $0 0% intro APR on purchases and balance transfers for the first 12 billing cycles 18.24% - 29.
24% Variable Earn 25,000 bonus points Good to Excellent Check mark icon A check mark. It indicates a confirmation of your intended interaction. Great earning rate on dining (4x points = 4% back) Check mark icon A check mark.
It indicates a confirmation of your intended interaction. Good welcome bonus for a no-annual-fee card Check mark icon A check mark. It indicates a confirmation of your intended interaction.
Annual streaming credit con icon Two crossed lines that form an 'X'. No airline or hotel transfer partners con icon Two crossed lines that form an 'X'. Few benefits compared to other rewards credit cards Foodies and travelers can do quite well with this card due to its high earning rates on dining, gas, and other categories.
It's a great pick if you prefer straightforward rewards and a generous welcome bonus, but as a no-annual-fee card, it doesn't come with a lot of flashy benefits. Earn 10% back or more on a rotating selection of items and categories on Amazon.com with an eligible Prime membership.
Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market and on Chase TravelSM purchases with an eligible Prime membership. Earn unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare).
Earn unlimited 1% back on all other purchases. $0 N/A 20.49% - 29.
24% Variable Earn a $200 Amazon gift card Good to Excellent Check mark icon A check mark. It indicates a confirmation of your intended interaction. 5% cash back at Amazon, Whole Foods, and travel booked through Chase is hard to beat Check mark icon A check mark.
It indicates a confirmation of your intended interaction. Good travel benefits and purchase protections Check mark icon A check mark. It indicates a confirmation of your intended interaction.
No annual fee con icon Two crossed lines that form an 'X'. Must be an Amazon Prime member to qualify con icon Two crossed lines that form an 'X'. Other cards offer higher cash-back rates on non-Amazon purchases The Amazon Prime Visa is a good choice if you're already an Amazon Prime member — and do quite a bit of online shopping.
It comes with decent benefits for a no-annual-fee credit card, and its earning rates are exceptional. Get a $200 Amazon Gift Card instantly upon approval exclusively for Prime members Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel purchases with an eligible Prime membership Prime Card Bonus: Earn 10% back or more on a rotating selection of items and categories on Amazon.
com with an eligible Prime membership Earn unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare) Earn unlimited 1% back on all other purchases No annual credit card fee No more waiting. Redeem daily rewards at Amazon.com as soon as the next day Member FDIC $0 15.
50% - 27.75% Variable Good to Excellent Check mark icon A check mark. It indicates a confirmation of your intended interaction.
No annual fee Check mark icon A check mark. It indicates a confirmation of your intended interaction. Great return rate Check mark icon A check mark.
It indicates a confirmation of your intended interaction. No hard credit inquiry con icon Two crossed lines that form an 'X'. No sign-up bonus con icon Two crossed lines that form an 'X'.
No airline or hotel transfer partners - Best Metal Credit Cards Capital One Venture X Rewards Credit Card : Best overall metal credit card Chase Sapphire Preferred® Card : Best starter metal credit card Chase Sapphire Reserve® : Best metal credit card for travel insurance The Platinum Card® from American Express : Best metal card for airport lounge access Marriott Bonvoy Brilliant® American Express® Card : Best hotel metal credit card Delta SkyMiles® Reserve American Express Card : Best airline metal credit card The Business Platinum Card® from American Express : Best small business metal card U.S. Bank Altitude® Reserve Visa Infinite® Card : Best metal credit card for mobile payments U.
S. Bank Altitude® Go Visa Signature® Card Best no annual fee metal credit card Prime Visa : Best metal credit card for online shopping X1 Card : Best metal credit card for less-than-perfect credit Best Metal Credit Card Reviews The Capital One Venture X Rewards Credit Card could be the perfect "beginner-premium credit card" for many travelers seeking the ultimate travel companion for their wallets. This card comes with 75,000 bonus miles when you spend $4,000 on purchases in the first three months from account opening.
Based on Business Insider's valuation of Capital One miles , that's worth an average of $1,275 in travel when you transfer your points Capital One's partners like Air Canada, Cathay Pacific, and Wyndham. There's one big reason this card takes the cake among metal credit cards: Its $395 annual fee is so easy to justify ( rates and fees ). With just a couple of simple-to-use benefits, you'll make a profit from the card by taking even a single trip per year.
Take a look at what you'll get: $300 per year in credits toward Capital One Travel bookings 10,000-mile bonus each account anniversary (worth at least $100 in travel) Priority Pass Select membership (worth over $400 per year), Plaza Premium lounge access, and Capital One airport lounge access Up to $100 in reimbursements for either TSA PreCheck or Global Entry membership every four years (membership lasts five years) Access to the Capital One Premier Collection , a luxury hotel booking program Some of the best travel insurance in the industry, with primary car rental insurance, trip delay reimbursement that kicks in after just six hours, and more. To boot, you'll earn tons of bonus miles when booking travel through the Capital One Travel portal — 10 miles per dollar on hotels and rental cars and 5 miles per dollar on flights. You'll get 2 miles per dollar on everything else.
Capital One Venture X Rewards Credit Card Review The Chase Sapphire Preferred® Card comes with 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening — worth $1,080 in travel, according to Business Insider's valuation of Chase points . For a $95 annual fee, you'll get overperforming travel insurance (such as primary rental car insurance, baggage delay insurance, trip delay insurance, etc.) and a solid return on everyday expenses such as dining, streaming, and online grocery purchases.
The card earns Chase Ultimate Rewards® points — one of the most valuable travel rewards currencies available. With this card, you can buy airfare, hotel stays, rental cars, cruises, and more through the Chase Travel SM Portal at a rate of 1.25 cents per point.
Or, you can transfer your points to airline and hotel loyalty programs such as Hyatt, United Airlines, Southwest, etc. for a much greater potential value. This card also comes with a slew of statement credits (some of which are temporary): Up to $50 in statement credits toward hotel stay s booked through Chase each year Complimentary DoorDash DashPass membership through December 31, 2024 Six-month complimentary Instacart+ membership (activate by July 31, 2024) Up to $15 per quarter in Instacart credits through July 2024 If you're just beginning in the world of award travel, the Chase Sapphire Preferred® Card is a great first card — and one that's worth keeping forever.
Chase Sapphire Preferred Card Review The Chase Sapphire Reserve® offers 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening — worth $1,080 in travel. This card is a beefed-up version of the Chase Sapphire Preferred® Card. It's got several of the same benefits, but the Sapphire Reserve's are more valuable.
For example: Your points are worth 1.5 cents each when redeeming them for travel through the Chase Travel Portal (instead of 1.25 cents).
The temporary DoorDash and Instacart benefits are more generous. The card's earning rates are significantly higher in select categories. Its primary rental car insurance covers more expensive cars than the Sapphire Preferred.
Its trip delay insurance kicks in up to six hours earlier than the Sapphire Preferred. Talking of credit card travel insurance, there's literally no credit card you can apply for that matches this card. Booking your travel with the Chase Sapphire Reserve® will give you the most peace of mind you can get without purchasing expensive coverage from a third-party travel insurance provider.
The Chase Sapphire Reserve® charges a $550 annual fee. But it can be easily offset if you use the following ongoing benefits: Up to $300 in statement credits each cardmember year toward travel purchases Airport lounge access (Priority Pass Select membership, worth over $400 per year; access to Chase Sapphire Lounges by The Club, access to the new Chase Sapphire Terrace at Austin airport ) Access to Reserved by Sapphire restaurant reservations Up to $100 credit toward either Global Entry, TSA PreCheck , or NEXUS application fee every four years (membership is valid for five years) There's also currently an offer of two free years of Lyft Pink All Access Membership , with 50% off the third year. You must activate the deal by December 31, 2024.
Chase Sapphire Reserve Credit Card Review The Platinum Card® from American Express comes with 80,000 Membership Rewards® points after you spend $8,000 on eligible purchases on your new card in your first six months of card membership. That's worth an average of $1,440 in travel when you utilize Amex Membership Rewards points transfer partners such as Air Canada Aeroplan, Hilton, and Delta. The Amex Platinum is widely regarded to be the most valuable card on the market — if you can use its many benefits.
It's possible to receive thousands of dollars in annual statement credits alone. For example, you'll get: Up to $200 in airline fee credits each calendar year Up to $200 in Uber Cash credits each calendar year** Up to $200 in credits per year toward prepaid hotel bookings through Amex Fine Hotels and Resorts or The Hotel Collection (with a two-night minimum) Up to $100 in Saks Fifth Avenue credits each calendar year** $189 per year in credits for CLEAR ® Plus membership** Up to $240 in annual credits (up to $20 per month) toward eligible digital subscriptions such as Peacock, Hulu, and ESPN+ $12.95 in credits each month toward Walmart+ membership** If you would organically use a few of those benefits, this card could easily save you money despite its lofty $695 annual fee.
The Amex Platinum is sort of a jack of all trades — but there is one thing this card masters: Airport lounge access. No credit card gives you a wider variety of lounges to choose from. With this card, you can freely enter: Amex Centurion lounges , inarguably some of the most quality lounges you'll find.
You'll get free cocktails and hot meals, and sometimes even things like free massages, showers, and wine tasting. Priority Pass lounges , of which there are more than 1,400 locations worldwide. You can even bring two guests with you.
The free snacks and alcohol generally aren't quite as fancy as Centurion Lounges, but they're still a great way to save money and enjoy the airport. Delta Sky Club lounges , as long as you're flying Delta and are carrying your Platinum Card at the front desk. Plaza Premium lounges, with more than 100 locations around the world Escape Lounges Certain Lufthansa lounges, as long as you're flying Lufthansa that day.
Aspire Lounges Select Virgin Clubhouses In other words, if you can't get enough of fancy airport lounges, no other card will better feed your addiction. American Express Platinum Card Review The Marriott Bonvoy Brilliant® American Express® Card comes with a welcome bonus of 95,000 Marriott Bonvoy bonus points after you use your new card to make $6,000 in purchases within the first six months of card membership. This is worth $665 in hotel stays, based on Business Insider's valuations.
This card charges an annual fee of $650. That's nearly as jaw-dropping as the Amex Platinum annual fee — but once again, the card can easily be worthwhile for those who will maximize its perks. For example, you'll receive: Up to $25 in statement credits per month for eligible purchases at restaurants worldwide (a $300 value) Automatic Marriott Bonvoy Platinum elite status An annual free night award worth up to 85,000 points 25 elite night credits each calendar year Priority Pass Select airport lounge membership** (again, worth over $400 annually) Up to $100 in Global Entry or TSA PreCheck application fee credit once every four years (memberships last five years) Business Insider estimates Marriott points value to be 0.
7 cents each. That means an 85,000-point free night award can be worth an average of $595 if you use it on a hotel that costs at least 85,000 points. Marriott Platinum status can also be wildly valuable, as it offers benefits like suite upgrades (when available), free breakfast, and 50% bonus points on paid Marriott stays.
All to say, if you'll maximize the monthly $25 statement credits as well as the annual free night award, you'll easily receive more value than you're paying. And with the perks like Priority Pass membership and Marriott Platinum status, you'll be many hundreds of dollars in the black. Marriott Bonvoy Brilliant Amex Card Review The Delta SkyMiles® Reserve American Express Card is currently offering a welcome bonus of 60,000 bonus miles after you spend $5,000 in eligible purchases on your new card in your first six months of card membership.
This translates to an average of $660 in Delta flights, based on Business Insider's valuation of Delta miles . To enjoy the best benefits of this card, you'll have to be a frequent Delta flyer. The Amex Delta Reserve confers: Free first checked bag and priority boarding on Delta flights Annual Delta companion certificate that allows you to bring a friend once per year for just the cost of taxes and fees.
Even if you're flying first class, your companion's ticket will match your cabin. Access to complimentary upgrades and upgrade priority 20% off inflight purchases as a statement credit 15% off Delta award flights with TakeOff 15 The Amex Delta Reserve is exceptional for those looking for airport lounge access. That's because it gives you free Delta Sky Club access (when flying Delta) and also Amex Centurion Lounge access (when flying Delta and paying for your flight with the card).
Reserve card members will also receive 15 visits per year to the Delta Sky Club; to earn an unlimited number of visits each year starting on 2/1/25, the total eligible purchases on the card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter. Delta Reserve Review The Business Platinum Card® from American Express currently has a welcome bonus of 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the card within the first three months of card membership. According to Business Insider's estimation of Amex points value , that's worth $2,700 in travel, on average.
Similar to the personal Amex Platinum, this card is stuffed with valuable statement credits — but they're much more business-focused. Yes, some benefits overlap, such as identical airport lounge access, up to $200 in annual airline fee credits, Gold elite status with Hilton and Marriott**, and up to $189 annually in credits for CLEAR® Plus membership**. But this card has unique offerings, too: Up to $400 in U.
S. Dell credits each calendar year** Up to $120 in credits for U.S.
wireless providers each calendar year Up to $360 in Indeed credits each calendar year** Up to $150 in Adobe credits each calendar year** Plus, you'll get a 35% rebate when you redeem your points with your selected airline (or for business class or first class seats with any airline) through Amex Travel. You can receive up to 500,000 points per calendar year as a rebate. The Amex Business Platinum charges a $695 annual fee.
You'll need a business venture — or some activity that warrants a 1099 tax form — to qualify for a small business card . Even if you don't own an enterprise with multiple employees, you may still have a perfectly legitimate small business. Things like delivering for Instacart, selling products on OfferUp, etc.
can be a small business if you regularly engage in those activities. Amex Business Platinum Card Review The U.S.
Bank Altitude® Reserve Visa Infinite® Card offers 50,000 points after you spend $4,500 on purchases in the first 90 days of account opening. That equates to $750 in value, as each point is worth 1.5 cents toward travel.
If you're specifically looking for a metal credit card, you're probably interested in showing it off — in which case, the U.S. Bank Altitude Reserve probably isn't the best card for you.
That's because this card's strength is in its return rate when used as the payment method on your phone. You'll get an incredible 3 points per dollar (effectively 4.5% back) on all purchases made through a mobile wallet such as Apple Pay, Google Pay, and Samsung Pay.
Because most merchants take mobile wallets nowadays, you can get 3 points per dollar for just about everything . The card also earns: 5 points per dollar for prepaid hotels and rental cars reserved through the Altitude Rewards Center 3 points per dollar for travel purchases 1 point per dollar on all other eligible purchases For a $400 annual fee, the U.S.
Bank Altitude® Reserve Visa Infinite® Card comes with perks like: Up to $325 annual credit toward travel and dining 12-month Priority Pass Select membership Excellent travel insurance (rivaling cards like the Capital One Venture X Rewards Credit Card) Up to $100 statement credit every four years to offset the application fee to Global Entry/TSA PreCheck If you spend at least $325 in travel and dining each year, this card's annual fee is effectively $75. You'll have to decide if the remaining card benefits are worth $75 to you. US Bank Altitude Reserve Review The Prime Visa comes with a $200 Amazon Gift Card instantly upon approval exclusively for Prime members.
While this card technically does not charge an annual fee, you'll need an Amazon Prime account to get the most from it. Amazon Prime costs $139 per year. Two features make this card stand out.
First are its earning rates. You'll get: 10% back or more on a rotating selection of items and categories on Amazon.com with an eligible Prime membership 5% back on purchases made through the Chase TravelSM , with an eligible Prime membership (new) 5% back at Amazon.
com, Amazon Fresh, and Whole Foods Market, with an eligible Prime membership 2% back on local transit and commuting, including rideshare 2% back at restaurants and at gas stations 1% back on all other purchases The second notable feature is the card's ability to give you interest-free payments with Amazon. By doing this, you will not earn rewards on your card. You'll receive a 0% intro APR for six or 12 months for purchases of $50 or more (then 20.
49% - 29.24% Variable APR). Similar to the U.
S. Bank Altitude® Reserve Visa Infinite® Card, this card does its best work while living in your sock drawer — so you may not have as much occasion to show off your metal. Amazon Prime Visa Card Review The U.
S. Bank Altitude® Go Visa Signature® Card is currently offering 25,000 bonus points after spending $1,000 in eligible net purchases in the first 90 days of account opening. Points are worth 1 cent each, making this bonus worth $250 for things like travel, cash back, and gift cards.
For a no-annual-fee credit card, the return rates for common spending are exceptional: 4 points per dollar spent on dining, takeout, and restaurant delivery 2 points per dollar at grocery stores, gas stations, EV charging stations, and on grocery delivery and eligible streaming services 1 point per dollar on all other eligible purchases The card even comes with an annual statement credit worth $15 to offset your streaming expenses. When you pay for an eligible streaming service for 11 consecutive months, your credit will post during month 12. Eligible streaming services include Apple Music, Apple TV+, AT&T TV NOW, Discovery+, Disney+, ESPN+, Fubo TV, Google Music, HBO Max, Hulu, Netflix, Paramount+, Peacock, SiriusXM, Slacker Radio, Sling TV, Spotify, Tidal, Vudu, and YouTube Music.
Also worth noting is that you'll receive 0% intro APR on purchases and balance transfers for the first 12 billing cycles (then 18.24% - 29.24% Variable).
That's an excellent perk if you've got a large upcoming expense that you'll need to pay off over time. US Bank Altitude Go Card Review The $0 annual fee X1 Card doesn't currently offer a welcome bonus. However, you can potentially earn up to 10 points per dollar on up to 30 days of purchases by successfully referring a friend to the card.
This card is good for those with a credit history they wouldn't brag about. That's because X1 takes into account more than just your credit score when deciding if you are a good candidate for the card. It looks at your employment income to see how much money you make.
The X1 Card can earn points quickly with a little bit of strategy. You'll get a flat 2 points per dollar on all spending. But when you spend at least $1,000 on purchases each month, your earnings are boosted to 3 points per dollar (capped at $7,500 in spending, then back to 2x).
You can also earn bonus points by taking advantage of "Boosts" inside the X1 app. They are targeted toward certain merchants and spending categories, and they rotate frequently. Interestingly, the card allows you to create infinite virtual credit cards, each with custom expiration dates, usage limits, etc.
This is great for those who find themselves signing up for free trials and forgetting to cancel — you can simply create a virtual card for the free trial and set the card to expire before the trial ends. X1 Card Review Benefits of Choosing a Metal Credit Card Metal cards historically represented prestige, luxury, and wealth. But now, they are available for various products and have lost a little bit of their prestigious appeal.
Beyond feeling fancy, there aren't many physical benefits to metal cards compared to plastic. You'll have slightly heavier wallets, some bragging rights amongst friends, and a more durable tool to use as a ruler when drawing straight lines in your notebook. But it's always fun to have at least one, and these top credit cards make it easy to add a little joy in your wallet without extra effort.
How to Choose a Metal Credit Card Never choose a credit card solely for its external appearance. Instead, evaluate any potential credit card against your personal spending habits and upcoming financial goals. If you plan to use your card primarily through Apple Wallet, for example, a physical card that's made of metal might be completely wasted on you.
But if you frequently treat business clients to fancy dinners, breaking out a sleek metal card could be the right icebreaker for easing into delicate financial conversations. Just know that metal cards can be very eye-catching, so be prepared to discuss your choice and the benefits you derive from that card in great detail to the right crowd. Some metal cards can be further customized.
The Platinum Card® from American Express, for example, comes in three different designs: A classic silver, or two designs with colorful artist-commissioned details over a silver background. Tips for Maximizing the Value of Your Metal Credit Card You can't dispose of a metal credit card like you'd cut up a plastic card. Instead, you'll usually receive a prepaid envelope from your bank if you get a new card.
You can also bring your card to a local bank branch and ask them to destroy it for you. Metal Credit Card Frequently Asked Questions Many major banks issue at least one metal card: American Express, Citi, Chase, Capital One, and U.S.
Bank have plenty to choose from. Metal cards are striking additions to any wallet, historically reserved for premium credit cards only. These days, metal cards can be fun to show off when you pay a bill.
Metal cards historically come with sky high annual fees to offset the expensive premium benefits they offer. However, some current metal cards don't even come with an annual fee, like the U.S.
Bank Altitude® Go Visa Signature® Card. Many metal credit cards are designed with travelers in mind, so they don't charge foreign transaction fees. The metal-based Prime Store card offers cash-back rewards.
Popular metal credit cards can vary from 13 to 22 grams in weight. To destroy a metal credit card , you can't just feed it through the paper shredder like you can with a plastic card. Without involving a vise grip and a circular saw, the bank gives you a couple of options for how you can dispose of a canceled card — namely, either mail it back to the bank (they will send you a prepaid envelope) or drop it off at a local branch.
Metal credit cards are not necessarily better. The material of a credit card does not necessarily indicate its prestige. Even some no-annual-fee credit cards are made out of metal.
There are plenty of non-metal cards that top the charts in their respective class. Why You Should Trust Us: How We Chose the Best Metal Credit Cards We chose the metal credit cards on our list because they have one or more of the following attributes: A sizable welcome bonus Above-average return rates Valuable ongoing benefits Business Insider has already painstakingly ranked just about every credit card in existence by category ( best cash back cards , best travel credit cards , best no annual fee cards , etc.).
From there, we've simply chosen the metal credit cards that rank highly on those lists. Business Insider's credit cards team examines each card's merits and strives to spotlight the cards that offer the most value to each type of financial goal. We do review poor cards, as well.
But we will clearly state when we think a credit card is subpar or predatory. Here's more about how we rate and review credit cards at Business Insider..
