Best Metal Credit Card Of April 2024

The Capital One Venture X Rewards Credit Card has just enough X factor to make it interesting but not so much that it’s complicated to use. And the card boasts benefits that help you live your best life.

Rewards: Earn 2 miles per dollar on all eligible purchases, 5 miles per dollar on flights booked through Capital One Travel, 5 miles per dollar on Capital One Entertainment purchases through 12/31/25 and 10 miles per dollar on hotels and rental cars when booking via Capital One Travel.

Welcome offer: Earn 75,000 bonus miles after spending $4,000 on purchases within the first three months of account opening.

Annual fee: $395 (rates & fees)

Card weight: 17 grams (at weigh-in, your card may be different)

Other benefits and drawbacks: Thank goodness this card is made of metal because it’ll be a workhorse in your wallet. Pull it out for trouble-free flat-rate earnings on every purchase or to access partner airport lounges. The Venture X card also offers $300 in annual credits for travel booked through Capital One and a 10,000-point anniversary credit starting after your first year which together add up to more than the cost of your annual fee even before factoring in other perks like cellphone protection, TSA PreCheck® or Global Entry application fee credits and Visa Infinite benefits.

Because the Capital One Venture X’s points are so easy to earn and redeem, this card makes sense for travelers who don’t want to be tied to specific hotel brands or airlines.

One of the first metal cards on the market, the Chase Sapphire Reserve®’s design proved so popular at launch that the issuer temporarily ran out of the blanks used to make each card. Today, it’s just as loved as ever due to its wide-ranging annual travel credit and phenomenal rewards.

Rewards: Earn 5 points per dollar on flights and 10 points per dollar on hotels and car rentals when purchasing travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3 points per dollar on other travel and dining and 1 point per dollar spent on all other purchases.

Welcome offer: Earn 60,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening.

Annual fee: $550

Card weight: 13 grams

Other benefits and drawbacks: Show off your fanciness with the Sapphire Reserve’s best-in-industry Priority Pass airport lounge membership after enrollment, which offers generous guest access and credits to participating airport restaurants and other non-lounge experiences. Then, live your wildest travel dreams on a budget by instantly redeeming your annual $300 travel credit or transferring points at a 1:1 value to partners like United and Hyatt. Can’t be bothered with transfer restrictions? No problem: You can also apply your points for 1.5 cents each on reservations made through Chase Travel to feel 50% richer on every redemption.

The benefits of The Platinum Card® from American Express (terms apply, see rates & fees) are as dense as platinum itself—though the card itself is actually made of stainless steel. Live it up with high-flying status and credits toward shopping and services that make you feel like a king.

Rewards: Earn 5 Membership Rewards Points per dollar for flights booked directly with airlines or with American Express Travel on up to $500,000 per calendar year, 5 points per dollar on prepaid hotels booked with American Express Travel and 1 point per dollar on other eligible purchases.

Welcome offer: Earn 80,000 Membership Rewards Points after spending $8,000 on purchases on the card in the first 6 months of card membership.

Annual fee: $695

Card weight: 17 grams

Other benefits and drawbacks: Get all the swank travel benefits without the bougie budget. Cardholders have access to airline incidental credits, statement credits and in-stay benefits with select hotel bookings, airport lounge access, hotel and rental car elite status and statement credits toward application or membership fees on programs that speed you through airport security. Newer to the card are lifestyle perks, including credits for digital entertainment and brands like Saks Fifth Avenue (after enrollment) and Uber. Plus, this card is customizable with three designs to choose from.

The Chase Sapphire Preferred® Card gives you 80% of the benefits of its more expensive brother the Sapphire Reserve at 20% of the annual fee. If you’re looking for an affordable metal card that still has a lot to offer, this one’s your jam.

Rewards: Earn 5 points per dollar on travel purchased through Chase Travel℠, 3 points per dollar on dining, select streaming services, and online grocery purchases (excluding Walmart, Target and wholesale clubs), 2 points per dollar on all other travel purchases and 1 point per dollar on other purchases.

Welcome offer: Earn 60,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening.

Annual fee: $95

Card weight: 13 grams

Other benefits and drawbacks: You’ll be taken care of like a bigwig when paying with the Sapphire Preferred since it builds in top-notch travel and purchase protections. But it adds in sexier features, too. Choose from Chase Ultimate Rewards® redemptions like point transfers to hotels and airlines offering luxe award travel or book through the card’s travel portal and get 25% more value straight away. Once a year, the card will also lavish you with a 10% anniversary points bonus to remind you how special you are.

Unlimited miles, no expiration dates, no blackout dates and flat-rate earnings: All make the Capital One Venture Rewards Credit Card a perfect contender for someone who wants the practicality of a metal card without any fuss.

Rewards: Earn 5 miles per dollar on hotels and rental cars booked through Capital One Travel, 5 miles per dollar spent on Capital One Entertainment purchases through 12/31/25 and an unlimited 2 miles per dollar spent on other purchases.

Welcome offer: Earn 75,000 miles once you spend $4,000 on purchases within 3 months from account opening.

Annual fee: $95 (rates & fees)

Card weight: 16 grams (at weigh-in, your card may be different)

Other benefits and drawbacks: Feel like a VIP with the Venture Rewards card. This card bestows rewards freely with an oversized welcome bonus compared to other midrange cards and ongoing earnings that post on a rolling basis rather than waiting for a billing statement to close.

Your friends will be drooling over your Instagram photos of the great meals you paid for with the American Express® Gold Card (terms apply, see rates & fees). This made-for-foodies credit card doesn’t come wrapped in edible gold but it’s a heavyweight in more than just physical grams.

Rewards: Earn 4 Membership Rewards® points per dollar at restaurants, plus takeout and delivery in the U.S., 4 Membership Rewards® points per dollar at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1 point per dollar), 3 Membership Rewards® points per dollar on flights booked directly with airlines or through American Express travel and 1 point per dollar on other eligible purchases.

Welcome offer: Earn 60,000 Membership Rewards points after spending $6,000 on purchases in the first 6 months of card membership.

Annual fee: $250

Card weight: 15 grams

Other benefits and drawbacks: There are no worries about style over substance with this card. Monthly credits toward select dining partners and automatic Uber Cash credits (after enrollment) make this card extremely valuable. Plus, you’ll earn Membership Rewards on dining and grocery purchases at an insanely high rate. Before you know it, you’ll have a stash of “gold” you can redeem toward anything your heart desires.

Anyone pursuing hotel points with the use of a metal card should set their sights on the Hilton Honors Aspire Card from American Express*. The card’s loaded with Hilton-centric benefits that elevate your experience and unlock tremendous value.

Rewards: Earn 14 Hilton Honors bonus points at participating hotels or resorts within the Hilton Portfolio, 7 points per dollar on eligible purchases for flights booked directly with airlines or American Express Travel, car rentals booked directly from select car rental companies and U.S. restaurants and 3 points per dollar on other eligible purchases.

Welcome offer: Earn 175,000 bonus points after spending $6,000 in purchases within the first 6 months of card membership.

Annual fee: $550

Card weight: 15 grams

Other benefits and drawbacks: You’ll earn rich rewards by spending with this card, but perks don’t stop there. Like many Amex cards, you’ll need to stay on top of enrollment requirements and terms and conditions for the Aspire’s many offers. If you’re willing to do so, you’ll enjoy up to $400 in annual statement credits for Hilton resort charges, up to $200 in credits toward eligible flights, a free night reward annually at participating Hilton hotels (with the opportunity to earn two more by meeting spending thresholds), automatic top-tier Hilton Diamond status and even more benefits.

The U.S. Bank Altitude® Reserve Visa Infinite® Card* doesn’t have the same name recognition as other cards on this list, but it’s no underdog. Its strong earning rates and above-average redemptions put this card solidly in the league of quiet luxury.

Rewards: Earn 5 points per dollar on prepaid hotels and car rentals booked directly in the Altitude Rewards Center, 3 points per dollar on eligible travel purchases and mobile wallet spending and 1 point per dollar on all other eligible net purchases.

Welcome offer: Earn 50,000 points after spending $4,500 in the first 90 days of account opening.

Annual fee: $400

Card weight: 16 grams

Other benefits and drawbacks: A trio of benefits make this card popular. First, earn up to $325 in credits simply by charging eligible travel or dining expenses to your card. Secondly, cardmembers get eight free visits to Priority Pass airport lounges each year. While this card doesn’t offer points transfer to other travel partners, its earnings rate on mobile wallet purchases means you can outearn many cards. When redeeming, points are worth 1 penny each as cash back or 1.5 cents each when applied toward travel for a simple, yet effective, option.

The Marriott Bonvoy Brilliant® American Express® Card (terms apply, see rates & fees) beams with benefits that go beyond what you’d expect from a co-branded hotel card, though you’ll need to commit to its stipulations to make the most of its offerings.

Rewards: Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program, 3 points per dollar at restaurants worldwide and on flights booked directly with airlines and 2 points per dollar on all other eligible purchases.

Welcome offer: Earn 185,000 Marriott Bonvoy bonus points after spending $6,000 on purchases within the first six months.

Annual fee: $650

Card weight: 15 grams

Other benefits and drawbacks: Go ahead and pick up the tab with this card. Everyone’s treated to up to $25 per month in statement credits toward dining and big spenders will get a big bonus in the form of an Earned Choice Award if they spend $60,000 or more on the card in a calendar year.

Other brilliant perks include Priority Pass Select Membership with enrollment and Global Entry or TSA PreCheck application fee reimbursement. This card also comes with complimentary Marriott Bonvoy Platinum Elite status, 25 annual elite night credits toward higher status levels and an annual free night award after a cardholder’s renewal month valid for reward nights up to 85,000 points at participating Marriott Bonvoy hotels. Keep in mind your award night may be subject to resort fees.

Get all of the heft without a triple-digit annual fee with the Bank of America® Premium Rewards® credit card. The straightforward rewards get an extra boost if you belong to Bank of America Preferred Rewards.

Rewards: Earn 2 points per dollar on travel and dining purchases and 1.5 points per dollar on all other purchases.

Welcome offer: Earn 60,000 online bonus points after spending $4,000 in purchases in the first 90 days of account opening.

Annual fee: $95

Card weight: 11 grams

Other benefits and drawbacks: This card provides value quickly, thanks to the chance to earn up to $100 annually in statement credits toward airline incidental fees. Cardholders can earn another $100 in credits every four years toward application charges for TSA Precheck or Global Entry. Its desirability is highest for Preferred Rewards members, who can earn an additional 25-75% more points on every purchase, reinforcing that this card isn’t just for show.

The Bilt World Elite Mastercard® made waves, not as a metal card, but by allowing cardholders to earn points on rent payments without transaction fees. But the Bilt card also offers compelling monthly offers and extras that will keep your card top of mind.

Rewards: Earn 1 point per dollar on rent payments without the transaction fee (on up to 100,000 points each calendar year), 3 points per dollar on dining, 2 points per dollar on travel (when booked through the Bilt Travel Portal or directly with an airline, hotel, car rental or cruise company), and 1 point per dollar on other purchases.

Welcome offer: This card does not offer a welcome bonus.

Annual fee: $0 (rates & fees)

Card weight: 16 grams

Other benefits and drawbacks: There’s no welcome bonus for the Bilt Mastercard, but once you’re in, you’ll find reasons to stick around with this program. Known as Rent Day, Bilt Rewards doubles your point earnings from qualifying transactions on the first of the month, up to 10,000 points monthly. In general, you must use the card five times each statement period to earn points, but that shouldn’t be a problem with its earning rates that are dialed into modern life (rewards & benefits). The card also features other promotions including transfer bonuses and discounts with partners like Lyft and SoulCycle.