The Best Metal Credit Cards
Whats so good about it:The Platinum Card® from American Express has long been one of the toniest cards around. It packed on more perks, along with a switch to a metal design, in a 2017 glow-up that added Uber credits , access to multiple kinds of airport lounges, exclusive dining experiences and more. The card even offers an annual credit to Saks Fifth Avenue.
How it can make you feel fancy: This absolute unit clocks in at 18.5 grams, making it the card on this list thats most likely to impress cashiers as they struggle to hoist it into the chip reader. Fun fact: If The Platinum Card® from American Express was actually made of platinum, it would cost more than $780, which makes its $695 annual fee a steal if you think about it.
Whats so good about it: With the 13-gram U.S. Bank Altitude Reserve Visa Infinite® Card, you get loads of premium travel benefits, like a generous annual statement credit, airport lounge access, credit toward TSA Precheck or Global Entry and free passes for in-flight Wi-Fi, but for a slightly lower $400 annual fee. A yearly $325 statement credit for eligible travel and dining purchases wipes out much of the cost.
How it can make you feel fancy: Get 30% off rentals with Silvercar so you can travel in style, instead of traveling around in an economy car. Also, you have to get past the velvet ropes of becoming an existing U.S. Bank account holder before you can qualify for the U.S. Bank Altitude Reserve Visa Infinite® Card.
Earn Rates And Redemption Remain Unchanged
The card’s earn rates remain the same:
- 2x the points on eligible travel purchases
- 2x the points on eligible gas, grocery and drugstore purchases
- 1 x the points on everything else
And as the card earns Membership Rewards points and there haven’t been any changes to the program since May the redemption side of things remains the same.
The American Express Gold Card
The Gold card comes with an annual fee of $250, and there is no annual fee for adding any additional cards to a Gold account. One of the biggest perks for any cardholder is the membership rewards program, which allows consumers to earn points as they use their credit cards.
The Gold card is geared toward people who are big shoppers, eat out a lot, and do a lot of everyday spending. American Express Gold cardholders can earn four points for every dollar spent at U.S. restaurants and U.S. supermarkets , three points for every dollar spent booking flights with airline companies or through the American Express travel website, and one point for every dollar spent on any other purchase.
As of February 2021, first-time cardholders are also eligible for 60,000 points after you use your card to make $4,000 in purchases for the first six months of account membership.
Unlike traditional credit cards, American Express cards do not have a regular APR or charge interest, as all balances must be paid in full each month. However, the Gold card does offer cardmembers the flexibility to pay for purchases of $100 or more over time at a set interest rate.
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How To Destroy American Express Metal Card
Destroy the number on the back of the card.Different metal detectors may be more finely tuned than others.Drop the old card into that, toss it into the mailbox, and your card issuer take care of the destruction process for you.Drop the old card into that, toss it into the mailbox, and your card issuer take care of the destruction process for you.
Due to a system glitch they sent her 2 cards with 2 different account numbers.Heres what i think is the best method for destroying a metal credit card at home.How do you destroy a metal.I gathered all the tools i had at my disposal.
I ordered an au card for my wife for my amex platinum card so that she can use the lounges when she travels.I started with the paper shredder as i had used the shredder to destroy enough plastic credit cards in the past, i figured it would do the job.I tried putting the card through the shredder, and it literally shut down the shredder.I went online to chat with a csr to close one of the accounts, etc., when the csr said to destroy the duplicative card.
If any numbers or names remain on the metal, use sandpaper or a sharp metal object to grind them away until theyre unreadable.If you find yourself with another metal card but dont need or want to destroy it, you can create a file in filing cabinet and store them there.If youre impatient, like me, you can go ahead and destroy your.If youre impatient, like me, you can go ahead and destroy your.
Apple Card: Best For Apple Pay Users
The Apple Card* sticks to its brands minimalist aesthetic with a laser-etched, white titanium credit card. But if youre looking into a metal finish for its hardy qualities, Apples card isnt a shining example.
Since its release, the Apple card has been known to scratch easily and permanently discolor just from your fingerprints, wallet or jeans. Plus, youll only earn rewards in its 2% and 3% reward categories by using Apple Pay, so you probably wont get the opportunity to flaunt its design like you would with other cards.
Weve also found that unless youre a die-hard Apple fan, the Apple Card is less rewarding than other metal credit cards because of its niche bonus categories. Its novel design, mobile wallet focus and no-fee approach are very appealing, but scant features outside its specialized reward categories make the Apple card a valuable opportunity mainly for its core audience.
Take a closer look:
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Capital One Savor Cash Rewards Credit Card
Information about the American Express Centurion Card, U.S. Bank Altitude Reserve Visa Infinite® Card, Citi Prestige® Card, Capital One Savor Cash Rewards Credit Card, Amazon Prime Rewards Visa Signature® Card, Capital One Venture Rewards Credit Card, and Apple Card has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.
How To Apply For The Amex Rose Gold Card
When you decide to apply for the American Express Gold Card, you have the option of picking your card color directly on the application page. Choose Gold or Rose Gold on the application page, then hit apply now.
Once you fill out the full application and are approved for your new card, youll receive the color option of your choice.
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Is The Amex Platinum Better Than The Amex Gold
The Platinum Card® from American Express can be the better card if youre a frequent flyer and want better travel rewards and fewer dining rewards.
Cardholders can get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when paying with their Platinum Card®.
Also, get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline.
If you ride Uber or use Uber Eats, this credit will make you happy. Cardholders can 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 Members only.
Plus, American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. Now there are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
Terms apply. Enrollment may be required.
Other Platinum Card from American Express Benefits
Theres also a new digital entertainment credit. Cardholders can get up to $20 in statement credits each month when you pay for eligible purchases with The Platinum Card® from American Express at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, and The New York Times. Enrollment required.
Get the full details and learn more in our in-depth The Platinum Card from American Express review.
Is The Amex Gold Card Metal
The American Express Gold cardis one of the best metal cards available on the market. It is great for cardholders who frequently travel, shop big, and spend a lot of money at restaurants. Although the card has an annual fee of $250, this fact is outweighed by the cards membership rewards program, which allows consumers to earn points as they make purchases.
Metal cards range widely in their annual fees, additional benefits, and weights. The amount of metal cards offered has significantly increased in the past years, but the Amex gold remains one of the best. Heres why:
The American Express Gold cardholders can earn 4x membership rewards points for every dollar spent at U.S. restaurants and U.S. supermarkets, up to $25,000 in purchases. Additionally, if you use your card to book flights via the American Express website or directly via the airlines, you earn 3x points. These points can be redeemed through the American Express travel website or online purchases.
With these redeemed membership rewards points, customers can book flights and hotels or use them in conjunction with a participating frequent flyer program to get offers on flight bookings and even discounts!
> > Related:How to use Amex Gold airline credit
Lastly, as of April 2020, for the first three months of account membership, first-time cardholders are also eligible for 35,000 points after they use the card to make $4,000 in purchases.
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American Express Gold Card: Best For Travel Rewards
Type of metal used and weight of the card
The American Express Gold Card is our top-rated travel card. The card is made out of stainless steel and weighs 15 grams. Cardholders will have the ability to pay with a tap of their card at select merchants thanks to the cards contactless feature.
Card rewards and benefits
The physical aspect of the card isnt the only thing there is to like. New cardmembers will have the opportunity to earn 60,000 Membership Rewards Points if they spend $4,000 on purchases within the first six months of card membership. Other rewards opportunities include:
- 4x points on restaurants and on Uber Eats
- 4x points on groceries at U.S. supermarkets up to $25,000 in purchases per year
- 3x points on flights booked directly with airlines on amextravel.com
- 1x points on all other purchases
The Gold Card doesnt stop there. Some additional benefits include:
- Up to $10 in statement credits per month when you use your card at Grubhub, Seamless, The Cheesecake Factory, Ruths Chris Steak House, Boxed, and participating Shake Shack locations
- Up to $10 in Uber Cash automatically per month when your card is added to your Uber account
- No foreign transaction fees
- Personalized Travel Service
The American Express Gold Card comes with an annual fee of $250. However, as you can see above, the rewards and added benefits provide the opportunity to easily earn more value than youd be spending each year on that fee.
Gold Vs Platinum Amex Card: What’s The Difference
Thomas J. Catalano is a CFP and Registered Investment Adviser with the state of South Carolina. He is a CFP, registered investment advisor, and he owns his own financial advisory firm. Thomas’ experience gives him expertise in a variety of areas including investments, retirement, insurance, and financial planning.
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Shopping & Entertainment Benefits
Entertainment Access with Ticketmasterâ¡
Stay in the know with exclusive access to ticket presalesâ¡ and American Express seatingâ¡. Check out Broadway shows and concert tours, family and sporting events, and more.
A program where you earn points for doing what you love the most. When you use your Card, you can earn one Membership RewardsÂ® point for every dollar you spend on eligible purchases. Redeem your points with rewards from over 500 leading brands in travel, shopping, dining and entertainment.
Pay with Points
With the Membership RewardsÂ® program, you can use Pay with Points to pay your expenses or an upcoming getaway.
When life happens, American ExpressÂ® has your back. With Purchase Protection get additional coverage on damaged, stolen, or lost purchases in the USA* for up to 90 days. You will be reimbursed for the amount charged to your account**.
*Covered Territory: 50 States of the United States of America, District of Columbia, Commonwealth of Puerto Rico and the Virgin Islands of the United States.
** You will be reimbursed only for the amount charged to your Account.
For things that are meant to last, extend the terms of the original warranty for a period of time equal to the duration of the original warranty, and up to one additional year on warranties of five years or less that are eligible* in a covered territory**.
Up To $10 In Monthly Dining Credits
Amex Gold Cardholders receive up to $10 per month back in statement credits, worth up to $120 per year, toward purchases with Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed, and participating Shake Shack locations.
Even if you don’t visit the participating restaurants, getting the credits for Grubhub and Seamless food deliveries makes it easy to max out the credit each month, since you’ll have so many restaurants to choose from. After you use your Amex Gold Card for the purchase, you’ll receive the statement credit but keep in mind, if you don’t use the full credit one month, it won’t roll over to the next.
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What Are The Benefits Of Amex Business Gold Card
There are tons of benefits with the Amex Business Gold card. At the top of the list, however, is the ability to earn 4x points on the first $150,000 in combined purchases from 2 select categories each calendar year. These categories are:
- Airfare purchased from airlines directly
- Purchases for U.S. shipping
One of the biggest benefits, though, is that Amex will automatically choose which categories to award you the 4x points based on where you spent the most at the closing of each statement, so its like earning points on autopilot!
In addition, you can also earn an unlimited 2x points per dollar spent on qualifying purchases made on Amex Travel.
This card allows you to transfer your Membership Rewards points to hotel and airline partners, which represents the best ways to redeem Amex Membership Rewards points.
Youll get a 25% points redemption rebate on first or business class airfare through Amex Travel, which means youll get a value of 1.25 cents per point on these premium cabin flights.
Youll also get access to Amex Offers, which could help you save thousands of dollars every year!
Another very popular benefit youll enjoy is access to Amexs Hotel Collection, which affords you a $100 hotel credit and a room upgrade on all prepaid hotel stays of 2 nights or more booked through Amex Travel.
Mastercard Gold Card: Heaviest Credit Card
Type of metal used and weight of the card
The Mastercard Gold Card is the most luxurious card offered by Luxury Card. The card weighs 22 grams and is made with a 24k-gold-plated stainless-steel front and carbon back.
Rewards and benefits
There is no introductory bonus, and all points are earned at a rate of one point per dollar spent with your card. Points can add up with the redemption rate of 2% for both airfare and cash back.
Other benefits include:
- 24/7 access to Luxury Card Concierge
- Up to $200 in annual air travel credit toward flight-related purchases
- A $100 statement credit for application costs related to Global Entry & TSA PreCheck
- VIP airport lounge access with Priority Pass Select
- No foreign transaction fees
The Mastercard Gold Card has an annual fee of $995. This card is meant for the most luxurious individuals who arent too concerned with receiving more value than they will spend on the card. If you want a card partly made out of gold, this could be the card for you.
To learn more about this card and its other benefits, .
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Anything Else I Should Know About The American Express Gold Card Uk
American Express no longer has a minimum income requirement for the American Express Gold card UK.
Recent changes to American Express rules now mean that to qualify for the sign up bonus you cannot have held a personal or corporate American Express credit card in the last 24 months learn more about the sign up bonus restrictions and our suggested strategy here.
New Trip Cancellation Insurance
This is an insurance benefit I has asked Amex about back in 2010 when they launched the Gold Rewards Card as we were starting to see on more cards in Canada. At the time, it was an expensive benefit to add to a card that was first year free but we do finally see it being added to card now:
We know that travels might not always go as planned. Thats why the Card continues to come with the same travel-related insurance coverages Cardmembers already enjoy. Plus, effective September 21, 2021, Cardmembers can enjoy new Trip Cancellation Insurance. For more information about the Cards coverages, please visit www.amex.ca/myinsurance.
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