Stand Out from the Crowd: The Best Metal Credit Cards in 2025

Have you ever noticed how a metal credit card feels different? It’s not just the weight—it’s the statement it makes. 

Plunking a sleek metal card on the table at a restaurant or a high-end store counter can turn heads and offers more than just a regular credit card. It provides exclusive perks and travel upgrades that can elevate your experience. 

What Makes a Good Metal Credit Card in 2025?

Research what various cards offer to maximize the value and prestige of a metal credit card in 2025. Is there a sign-up bonus? How many points do you get when booking flights and hotels? Many credit cards offer additional perks like airport lounge access and credits for Global Entry or TSA PreCheck. 

American Express Platinum Card

No metal credit card has more cachet than the American Express Platinum Card. 

For an annual fee of $695, you get a ton of benefits, such as up to $200 in annual savings on Uber Eats and rides with Uber, $240 in annual entertainment credits when you use your Platinum Card for eligible purchases on Disney+, the Disney Bundle, ESPN+, Hulu, The New York Times, Peacock and The Wall Street Journal. 

If you take advantage of the Platinum Card’s travel benefits, you’ll offset the annual fee. You get up to $200 in statement credits annually on Fine Hotels + Resorts or The Hotel Collection bookings through American Express Travel. You can also select a qualifying airline and get up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your card. 

For now, American Express offers an introductory offer of 175,000 Membership Rewards points after spending $8,000 on your new card in the first six months of card membership. 

Why We Picked It: If you’re a frequent traveler, you can earn many rewards points with the American Express Platinum Card. It gives you 5X membership rewards on up to $500,000 of flights booked directly with airlines or American Express Travel. You’ll also get 5X points on prepaid hotel bookings on AmexTravel.com.

Capital One Venture X 

Another great card for frequent travelers is the Capital One Venture X card, which lets you easily recoup your annual fee through its various rewards. 

You’ll get 75,000 bonus miles after you spend $4,000 on purchases within the first three months of opening your account. You’ll also get 10,000 bonus miles – good for $100 toward travel – every year starting on your anniversary.

With the Venture X card, you'll also receive a $300 annual credit for bookings through Capital One Travel, where you’ll get great prices on thousands of options. If you find a better price within 24 hours of booking, Capital One will match it. You can also set a price alert that Capital One will monitor 24/7 and notify you when prices drop. 

If you book your flight when Capital One Travel recommends and the price drops within 10 days, you’ll get up to $50 in travel credit for the difference. 

You’ll get up to a $120 credit for Global Entry or TSA PreCheck. You’ll also enjoy free access to Capital One Lounge Locations and its partner lounge network. 

Why We Picked It: Capital One lets you rack up double miles on all purchases. If you book through Capital One Travel, you’ll get 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals. 

Chase Sapphire Reserve Credit Card

The Chase Sapphire Reserve card is another good travel companion.

For an annual fee of $550, you’ll get 5X points on flights and 10X points on hotels and car rentals when you book through Chase Travel after you spend $300 on travel purchases. 

You’ll also earn 3X points on dining at restaurants and takeout, plus other travel rewards and 10X points on Chase Dining purchases with Ultimate Rewards.

Another perk is complimentary access to more than 1,300 airport lounges worldwide with up to two guests, and a $120 Global Entry or TSA PreCheck credit every four years as reimbursement for the application fee charged to your card. 

Chase will give you 60,000 bonus points after you spend $4,000 on purchases in the first three months of opening your account.

Why We Picked It: Chase says you’ll get 50% more value when you redeem for travel through Chase. For instance, 60,000 points are worth $900 toward travel. And Ultimate Rewards points don’t expire as long as your account is open. 

Citi Prestige Card

The Citi Prestige Card offers many perks beyond earning points and miles, and its features are particularly attractive if you travel to Asia frequently. 

Yes, you’ll get five ThankYou Points for every $1 you spend overseas and 3.25 ThankYou Points for every $1 you spend domestically.

You’ll also get one complimentary night's stay when you book a minimum consecutive four-night stay at any hotel or resort.

If you’re traveling to Singapore, Malaysia, Indonesia or China, you get up to six complimentary golf games at celebrated golf courses. 

You’ll also have unlimited access to hundreds of Priority Pass airport lounges, and you can book airport limousine transfers to or from Changi International Airport.

You’ll have to pay a $545 annual fee and have a minimum annual income of $120,000 to qualify, but you’ll get a welcome gift of up to 125,000 Thank You Points, which translates to 50,000 miles.

Why We Picked It: The Citi Prestige Digital Concierge gives you seamless access to all the privileges the credit card offers. You can book your next round of golf, arrange a limousine transfer or book a hotel stay on your mobile phone and receive instant confirmation. 

American Express Gold Card

For a limited time, the American Express Gold Card offers 100,000 membership reward points after you spend $6,000 on purchases in the first six months of your membership.

You’ll also get other rewards valued at more than $500 per year. 

If you add your Gold Card to your Uber account, you’ll automatically get $10 in Uber Cash each month for $120 per year. 

When you pay with the American Express Gold Card at U.S. Dunkin’ locations, you can earn up to $7 per month in statement credits.

You’ll earn credits two ways when you dine out. You’ll get up to $100 in statement credits per year after you pay with your American Express Gold Card at U.S. Resy restaurants or make other eligible Resy purchases. You can earn up to $10 in statement credits per month when you pay with the Gold Card at participating partner restaurants.

If you book two or more nights with The Hotel Collection through AmexTravel, you’ll receive a $100 credit toward eligible charges. 

Why We Picked It: The points program the American Express Gold Card offers is generous. You’ll get 4X points at restaurants up to $50,000 in purchases, 4X points on groceries at U.S. supermarkets up to $25,000 per year and 3X points on flights booked directly with airlines or on AmexTravel.com.

Chase Sapphire Preferred Credit Card

The Chase Sapphire Preferred Credit Card will give you 60,000 bonus points after you spend $4,000 on purchases in the first three months of opening your account. 

The card, which has a reasonable annual fee of $95, also awards 3X points on dining and 2X points on travel. You’ll also earn 3X points on grocery purchases, excluding Target, Walmart and wholesale clubs, and 3X points on select streaming services. You’ll earn one point per dollar spent on all other purchases. 

If you use the points you earn for travel, you’ll get 25% more value and up to $50 in statement credits each account anniversary for hotel stays booked through Chase Travel. And you won’t pay foreign transaction fees for purchases outside the United States. 

Your rewards points don’t expire as long as your account is open. Every account anniversary, you’ll earn bonus points equal to 10% of your total purchases for the previous year – if you spend $25,000 on purchases, you’ll get 2,500 bonus points.

Why We Picked It: If you’re part of a frequent traveler program through an airline or hotel, you can transfer the points you earn on the Chase Sapphire Preferred Credit Card to many of them at a 1-to-1 value. 

United Club Infinite Card

You’ll earn 80,000 bonus miles when you spend $5,000 on purchases within three months of opening your account. If you add an authorized user to your account within the first three months, you’ll get another 5,000 bonus miles. 

When you book your flights on United Airlines, you’ll earn 9X – 5X miles on the fare as a MileagePlus member plus 4X miles on the entire United purchase with the United Club Card Premier. 

You’ll also earn 4X miles on hotel stays booked through United Hotels and 4X miles on all eligible United purchases. 

You’ll earn 2X miles on all other travel expenses, such as airfare, trains, local transit, cruise lines, hotels, car rentals, taxis and ride-share services. You’ll get 1X miles on all other purchases. 

United also provides up to a $120 statement credit for Global Entry, TSA PreCheck or NEXUS every four years as reimbursement for the application fee when charged to your card. 

Why We Picked It: You’ll get a United Club membership valued at $650 per year. The membership gives you access to a place to work, relax and enjoy complimentary beverages and snacks while traveling. 

Marriott Bonvoy Brilliant American Express Card

If you’re a fan of Marriott properties, the Marriott Bonvoy Brilliant American Express Card could be the right choice. 

You’ll get Marriott Bonvoy Platinum Elite status as a cardholder, which gives you room upgrades, including better views or suites, when available. You’ll also receive one free night award at hotels participating in Marriott Bonvoy. 

You’ll get 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. 

You can also enroll in Priority Pass Select for unlimited visits to over 1,200 airport lounges in more than 130 countries, regardless of which carrier or class you are flying. 

You’ll get 6X points for each dollar spent at hotels participating in Marriott Bonvoy, 3X points at restaurants around the world and 2X points on all other purchases. 

You’ll get up to $300 in statement credits ($25 per month) for purchases made on the Marriott Bonvoy Brilliant American Express Card and restaurants worldwide every calendar year. 

Why We Picked It: You’ll earn up to 21X points for every $1 spent on eligible purchases at hotels participating in Marriott Bonvoy – that’s 6X points for using the Marriott Bonvoy Brilliant card, 10X points from Marriott Bonvoy for being a member and 5X points with the 50% Bonus Points on Stays. 

How We Chose These Metal Credit Cards in 2025

We prioritized metal credit cards with strong rewards programs and premium travel benefits and balanced those against annual fees. We evaluated cardholder perks, protections and issuer reputation to ensure the recommended cards offer genuine value and prestige.

Frequently Asked Questions