The Benefits of a Metal Credit Card

The Benefits of a Metal Credit Card

Metal credit cards debuted in 1999 and remain popular today. They can range from a sleek copper or brushed stainless steel card to a luxurious gold-trimmed travel card.

Most of these cards are premium rewards cards with high annual fees, so they usually require excellent credit. However, some metal cards come with lower fees and a bigger welcome bonus.


A credit card is a symbol of wealth and status for many. Some people even go as far as to request a metal card over a plastic one to flaunt their status. While metal cards certainly add panache to your wallet, their aesthetic appeal should never be the only reason to seek out this type of card. You should always evaluate extra benefits and travel protections before making a final decision.

Initially, metal cards were reserved for luxury card options that required an excellent credit score and a high income. However, as their popularity increased, some card issuers introduced metal options that are less exclusive and more accessible to the mass affluent.

Metal cards tend to set off airport metal detectors, so they may require more effort to pass through security checks. Additionally, they can be more difficult to destroy than a plastic card, since you must return them to the card issuer for secure destruction. However, most card issuers provide prepaid envelopes that make it easy to mail in expired metal cards for safe and responsible disposal.

If you’re looking for a credit card with a premium feel, check out these options from American Express, Metal Card Barclays, and Chase. They offer a number of rewards and perks for luxury travelers, including lounge access, hotel credits, and more. These cards are also popular for those who want to earn extra points or miles when traveling abroad.


A metal card is a great way to show your brand’s message and make yourself stand out from the competition. It can be made of a variety of materials, such as stainless steel and aluminum. Some are pure metal plates while others are a blend of metal and plastic. Metal cards are also more durable than their plastic counterparts and have a premium feel. They are also less likely to bend or tear, which makes them a smart choice for those who frequently hand out business cards.

Vivipins offers a wide range of different metal business card options. You can choose the type of card and finish you want, as well as add custom details or opt for a full design service. The company will turn your design into a vector file and provide you with a digital proof for approval before production begins. They will also notify you when your order is ready for pickup.

Depending on the type of card you select, some may include digital features that allow your contacts to access your information online. These features are an excellent way to stay up-to-date with your information and make it easier for your contacts to contact you. However, they can be expensive and may not work on all devices. Moreover, some people might not be tech-savvy enough to use these features.


In comparison to plastic cards, metal credit cards are more durable and sturdy. They are designed to withstand typical wear and tear, as well as swipes and insertions into card readers.

In addition, many of the metal cards are encased in stainless steel or other materials that offer added durability. They also offer the perfect amount of weight and feel to make a statement. Some metal cards have matte coatings, spot UV gloss and other design techniques that allow them to stand out in a wallet and provide a unique look for the card issuer’s brand.

While the cards are more durable, they still need to be handled with care. Depending on the type of metal used to make the card, it may be more susceptible to scratches and dents than plastic cards. This may lead some users to use card protectors or sleeves to help protect the cards while in their wallets.

Like all credit cards, metal cards come with their own set of benefits, rewards and fees. Many of these cards are premium and only available to those who meet eligibility requirements. They often boast perks that are not found on standard credit cards, such as airport lounge access, elevated status with car rental and hotel brands and annual travel credits. These benefits may offset the annual fee associated with the metal cards.


The metal credit card phenomenon has been growing in popularity since AmEx introduced its Centurion Card in 2016. Designed to be top of wallet, these premium cards express esteem, value and preferred customer status. Whether they feature a sleek aluminum finish or are full-metal, these cards add unique distinction to the consumer’s wallet and communicate the card issuer’s brand.

Unlike the metal credit cards of decades ago, which were only available to those who met a select few lending criteria by invitation, today most smart card card issuers offer metal card products that can be requested by anyone who meets their credit score and income requirements. Generally, metal cards also have the same security features as their plastic counterparts.

While there are a number of benefits to using a metal card, consumers must consider how the product fits their lifestyle and needs. Some metal cards come with an annual fee that is higher than non-metal alternatives. Others may carry a higher interest rate. In addition, some metal cards may only work at certain merchants.

Currently, the majority of metal cards on the market utilize stainless steel as their base. However, G+D’s Edge Metal Card is the first of its kind to incorporate a metal core and contactless certification, as well as innovative printing and finishing features to create the optimal weight for consumer wallets (only 12.5 grams). Additionally, the card includes CompoSecure’s patented Arculus Cold Storage Hardware Wallet that can transform a payment card into a tap-to-authenticate hardware key for passwordless and hardware-based multi-factor authentication.

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