Home Credit Cards What’s The Big Deal About Metal Credit Cards?

What’s The Big Deal About Metal Credit Cards?

by joeheg

I just don’t get the metal credit card trend. Maybe it’s because I’m not out to impress anyone with what credit card I’m using. I use credit cards so I can earn miles or points to use for our travels. I couldn’t care if the cashier is impressed with the weight of the card I handed to him/her to make my purchase.

I’ve worked in retail and I’ve been handed everything from a Walmart Money Card to an AMEX Centurion Card. Deep down inside, I know the person using the Centurion card, which costs $5,000 a year for the annual fee, is only earning one point per dollar on purchases when even the free AMEX Everyday would earn the same number of Membership Rewards points.

So then why is it that every bank seems to be lining up to offer their new metal credit card? According to an article in Marketwatch.com from 2017, it’s because a metal card makes your subconscious think you’re successful.

They’ve become the newest status symbol for consumers who like their travel rewards. “People will seldom admit they took a card out just because of what it feels like in their hand, but there’s no doubt subconsciously it makes a big difference,” said Gerard du Toit, a Boston-based partner at the consulting firm Bain & Company, who is the head of the firm’s banking practice in the Americas.

There must be some truth because there are more banks issuing metal cards than ever before. As explained by U.S. News,

“Metal credit cards seem more attractive to consumers who demand cutting-edge innovations,” says Suresh Kumar, director of payment technology at Valid, a credit card manufacturer. “(They’re) also perceived to elevate a customer’s status. People tend to see metal cards as a sign of luxury.”

Really everyone? A more substantial credit card is going to make you feel better???? #SMH.


When the Citi Prestige card went metal, they sent Sharon a brand new card even though her plastic card was still good for another year (Note from Sharon: When the card came in this thick cardboard box, I thought it was something important! The I saw it was just a credit card. Oh well.). Here’s how they bragged about the metalness (Note from Sharon: Metalitivity?) of the card in the packing materials.

You now hold a first release Citi Prestige metal card in your hands.

This card was reimagined, recast and reinforced as a recommitment to you. Its sleek design is reflective of your modern lifestyle – its benefits even more so. 


(Note from Sharon: “Experience life with an extra edge?” Really? I think they were trying to make me feel like I should take a cold shower after all that. Guess what? Didn’t work.)

The letter hidden in the packaging did include this disclaimer:

Your new card contains metal, do not shred. Please contact the number on the back of your card for assistance disposing of your card. 

Whatever. The most important thing was that Citi finally got rid of the pretentious stripe on the front and put the strip onto the reverse of the card. At least now, we no longer had to keep telling everyone how to run it through the card reader. They also moved the chip from the back to the front of the card.

Here’s a list of the currently issued metal cards. I’ve included links to the ones I’ve reviewed; they may have my referral links included, but please don’t apply for any of these cards JUST because they’re metal. Although if you were the type of person to do that, I doubt you’d be reading a blog that publishes reviews of South of the Border, The Mai-Kai, and hotels in Pigeon Forge.

  1. Amazon Prime Rewards
  2. Amazon Business Prime Rewards
  3. American Express Business Gold Card
  4. American Express Gold Card
  5. American Express Platinum Card
  6. American Express Business Platinum Card
  7. American Express Centurion (Black) Card
  8. Apple Card
  9. BlockFi Rewards
  10. Capital One Savor Cash Rewards
  11. Capital One Venture Rewards
  12. Chase Sapphire Preferred
  13. Chase Sapphire Reserve
  14. Citi AAdvantage Executive
  15. Citi Prestige
  16. Crystal Visa Infinite
  17. HSBC Premier World Elite
  18. Grand Reserve Card
  19. IHG Premier Card
  20. JP Morgan Reserve
  21. Marriott Bonvoy Brilliant
  22. MasterCard Black Card
  23. MasterCard Titanium Card
  24. MasterCard Gold Card
  25. Ritz-Carlton Card
  26. United Club Card
  27. United Club Business Card
  28. U.S Bank Altitude Go Card
  29. U.S. Bank Altitude Reserve
  30. Verizon Visa Card
  31. Wells Fargo Propel American Express


I’ve never picked out what card I was going to use based on how heavy it was. Personally, I liked this explanation of the usefulness of metal cards from Credit Card Insider 

You may want one for the practicality: members of our team have used a Chase Sapphire Preferred to scrape ice off a car window in the winter, and to open a door after getting locked out.

While I don’t have use for an ice scraper in Florida, I’ll remember it if I ever rent a car in the northern states in the winter months.

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This post first appeared on Your Mileage May Vary


david September 27, 2021 - 7:15 pm

X2. And Sapphire Reserve will still mail you a plastic card if you request one

Mike September 27, 2021 - 7:38 pm

Apparently, I’m real self-important as I now have a wallet full of smooth, slick cards. So much so that I had to buy a new style wallet because these frictionless cards were sliding out randomly. I lost and had to replace each and every one before finally giving up the wallet I’ve had for the last several years. Give me back raised numbers.

Christian September 28, 2021 - 6:13 pm

Not a fan either. @Mike makes a great point about cards falling out of your wallet and the extra weight and difficulty to dispose of makes them a pain. Stick with cards that can be run through a paper shredder IMO.


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