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The Best Metal Credit Cards
NerdWallet’s Best Metal Credit Cards
Yes, they're easy on the eyes, but these metal cards boast form and function. You'll get bragging rights, but you'll also get rich rewards and valuable perks. Move over, statement jewelry.Many or all of the products on this page are from partners who compensate us when you click to or take an action on their website, but this does not influence our evaluations or ratings. Our opinions are our own.
Updated · 2 min read Written by Senior Writer/Spokesperson + more + more Edited by Managing Editor + more + more SOME CARD INFO MAY BE OUTDATEDThis page includes information about these cards, currently unavailable on NerdWallet. The information has been collected by NerdWallet and has not been provided or reviewed by the card issuer.
You’re out to dinner with friends when the bill arrives. “Let me get that,” you say as you toss your metal credit card onto the table, where it lands with a satisfying clonk. clonk You’re not one of the plastic masses. You possess the elegance, confidence and possibly even the shoulder pads of one of those rich people in '80s movies. But rich people wear hoodies now, and metal cards are everywhere. And those friends you just bought dinner for probably also have a metal card or two. They were just too polite to stop you from picking up the check. Metal cards are ideal for anyone who appreciates a commonplace object that offers both form and function. But after weighing a heavy stack of cards, here was a surprising finding: Some of the most “premium” of the bunch actually weigh less than cards that are of the workhorse cash-back variety. So, yes, style matters, but substance does, too. Picking a card by weight alone might not get you the features you actually want. Here are some of our top picks for the best metal credit cards in a variety of categories. » MORE: NerdWallet’s best premium credit cards » MORE:The best metal credit cards
American Express Platinum Card® (18.5 grams) American Express Platinum Card® Bilt Palladium Card (21 grams) Bilt Palladium Card Chase Sapphire Reserve® (12.6 grams) Chase Sapphire Reserve® Chase Sapphire Preferred® Card (12.4 grams) Chase Sapphire Preferred® Card U.S. Bank Altitude™ Reserve Visa Infinite® Card (13 grams) U.S. Bank Altitude™ Reserve Visa Infinite® Card Capital One Venture X Rewards Credit Card (18 grams) Capital One Venture X Rewards Credit Card Capital One Venture Rewards Credit Card (16.6 grams) Capital One Venture Rewards Credit Card Citi Strata Elite℠ Card (19 grams) Citi Strata Elite℠ Card Rakuten American Express credit card (12 grams) U.S. Bank Smartly™ Visa Signature® Card (16 grams) U.S. Bank Smartly™ Visa Signature® Card American Express® Gold Card (14.7 grams) American Express® Gold Card Citi® / AAdvantage® Executive World Elite Mastercard® (18 grams) Citi® / AAdvantage® Executive World Elite Mastercard® Delta SkyMiles® Platinum Business American Express Card (14.8 grams) Delta SkyMiles® Platinum Business American Express Card United Club℠ Card (12 grams) United Club℠ Card Citi® / AAdvantage® Globe™ Mastercard® (13 grams) Citi® / AAdvantage® Globe™ Mastercard® Atmos™ Rewards Summit Visa Infinite® credit card (13 grams) Atmos™ Rewards Summit Visa Infinite® credit card Marriott Bonvoy Brilliant® American Express® Card (14.6 grams) Marriott Bonvoy Brilliant® American Express® Card Prime Visa (12.4 grams)General travel credit cards
American Express Platinum Card®
American Express Platinum Card® Apply now Apply now Read Review Weight: 18.5 grams. Weight: What’s so good about it: The American Express Platinum Card® has long been one of the toniest cards around. A 2017 glow-up switched the card to a metal design, and it's had a lot of work done since, to the point where it offers hundreds of dollars a year in high-end travel, entertainment and shopping credits, to go with top-notch airport lounge access, elite status with hotel and rental-car partners and more. (Enrollment required for many benefits; terms apply; see rates and fees.) What’s so good about it: American Express Platinum Card® lot see rates and fees see rates and fees How it can make you feel fancy: This absolute unit clocks in at 18.5 grams, making it the card on this list that’s most likely to impress cashiers as they struggle to hoist it into the chip reader. Fun fact: If the American Express Platinum Card® was actually made of platinum, it would cost about $835 based on precious metals prices at the time of its latest overhaul in September 2025. That might help put its $895 annual fee into context; what that context is will be up to you. How it can make you feel fancy: American Express Platinum Card® $895 » MORE: Review of the American Express Platinum Card® » MORE: American Express Platinum Card®Bilt Palladium Card
Bilt Palladium Card Apply now Apply now Read Review Weight: 21 grams. Weight: What’s so good about it: This card earns a solid 2x rate on all non-housing purchases. Rewards are earned in the form of Bilt Points, which are among the most valuable credit card currencies on the market. Points can be transferred to one of Bilt’s excellent travel partners for outsize value. The Bilt Palladium Card also comes with a Priority Pass airport lounge benefit and a $400 annual Bilt Travel hotel credit. Terms apply. What’s so good about it: Bilt Palladium Card How it can make you feel fancy: Coming in at 21 grams, the Bilt Palladium Card has some real heft to it. Plus, if you manage to snag the limited-edition Bilt Palladium Card with the mirror finish, you’ll also get a microfiber cloth to keep the card gleaming like your diamonds. How it can make you feel fancy: Bilt Palladium Card Bilt Palladium Card » MORE: Review of the Bilt Palladium Card » MORE Bilt Palladium CardChase Sapphire Reserve®
Chase Sapphire Reserve® Apply now Apply now Read Review Weight: 12.6 grams. Weight: What’s so good about it: The Chase Sapphire Reserve® made its societal debut with a splash in 2016 thanks to a jaw-dropping 100,000-point sign-up bonus. (That bonus has since changed.) People were so inspired that they made unboxing videos. Chase swiftly ran out of the metal version of the card and had to ship out temporary plastic placeholders (the horror!). It’s an ideal card if all that influencer stuff means anything to you. What’s so good about it: Chase Sapphire Reserve® How it can make you feel fancy: At 12.6 grams, the Chase Sapphire Reserve® is actually on the lighter side, but it remains a decent premium travel card, especially if you can make use of the hundreds of dollars' worth of travel, entertainment and lifestyle credits it doles out every year. One favorite feature that can help defray the card's $795 annual fee: an annual $300 credit for any travel expenses put on the card. How it can make you feel fancy: Chase Sapphire Reserve® $795 » MORE: Review of the Chase Sapphire Reserve® » MORE: Chase Sapphire Reserve®Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card Apply now Apply now Read Review Weight: 12.4 grams. Weight: What’s so good about it: The Chase Sapphire Preferred® Card is the older sibling of the Chase Sapphire Reserve®, though it weighs a smidgen less at 12.4 grams and has a smaller $95 annual fee. The earnings rate is lower and you don’t get some of the same travel extras, but the Chase Sapphire Preferred® Card rocks a reliably impressive sign-up bonus and packs plenty of punch. What’s so good about it: Chase Sapphire Preferred® Card Chase Sapphire Reserve® $95 Chase Sapphire Preferred® Card How it can make you feel fancy: Points can be worth more than the standard 1 cent each when redeemed for travel through Chase, and you can transfer Chase Ultimate Rewards® from other cards. That makes this card a very decent downgrade option if you no longer want to pay the fee on the Chase Sapphire Reserve® but you still want that Sapphire sparkle. How it can make you feel fancy: Chase Sapphire Reserve® » MORE: Review of the Chase Sapphire Preferred® Card » MORE: Chase Sapphire Preferred® CardU.S. Bank Altitude™ Reserve Visa Infinite® Card
U.S. Bank Altitude™ Reserve Visa Infinite® Card Read Review Weight: 13 grams. (This card is no longer accepting new applications, but existing cardholders can still use it.) Weight: What’s 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 (including takeout) wipes out much of the cost. What’s so good about it: U.S. Bank Altitude™ Reserve Visa Infinite® Card $400 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. How it can make you feel fancy: U.S. Bank Altitude™ Reserve Visa Infinite® Card » MORE: Review of the U.S. Bank Altitude™ Reserve Visa Infinite® Card » MORE: U.S. Bank Altitude™ Reserve Visa Infinite® Card★ LIMITED TIME OFFER
★ LIMITED TIME OFFER For a limited time, the Capital One Venture Rewards Credit Card is offering new cardholders an especially rich bonus. The issuer describes it this way: "LIMITED-TIME OFFER: Enjoy $250 to use on Capital One Travel in your first cardholder year, plus earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening - that’s equal to $1,000 in travel. " Get the full details here or read our review and apply here. Capital One Venture Rewards Credit Card Capital One Venture Rewards Credit Card LIMITED-TIME OFFER: Enjoy $250 to use on Capital One Travel in your first cardholder year, plus earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening - that’s equal to $1,000 in travel.Capital One Venture X Rewards Credit Card
Capital One Venture X Rewards Credit Card Read Review Weight: 18 grams. Weight: What’s so good about it: For a premium travel card, the weighty Capital One Venture X Rewards Credit Card charges a $395 annual fee, an amount that’s relatively manageable, especially considering its $300 annual travel credit and reimbursement for TSA PreCheck or Global Entry (see rates and fees ). What’s so good about it: Capital One Venture X Rewards Credit Card $395 The cost is offset even more by a generous sign-up bonus and high rewards rate if you use the card to make bookings through Capital One Travel. Plus, your loyalty is rewarded every year with a 10,000-mile anniversary bonus — that’s worth $100 when you redeem it for travel. How it can make you feel fancy: Capital One has opened several airport lounges, and the Capital One Venture X Rewards Credit Card gets you unlimited free access. The lounges will offer the usual food, drinks and comfortable working areas, but wait — there’s more. Enjoy the yoga and cycling room, featuring Peloton bikes (follow this with a trip to the shower suite for the sake of your fellow passengers). Not feeling up for exercise? A soundproof relaxation room features a nap pod offering guided meditations. You just might miss your flight on purpose. How it can make you feel fancy: Capital One Venture X Rewards Credit Card » MORE: Review of the Capital One Venture X Rewards Credit Card » MORE: Capital One Venture X Rewards Credit CardCapital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card Read Review Weight: 16.6 grams. Weight: What’s so good about it: It has that luxury feel at 16.6 grams, but thanks to how simple it is to redeem rewards for travel expenses, the Capital One Venture Rewards Credit Card fits like a pair of comfy sweatpants. Cashing in your miles is as simple as requesting a statement credit to reimburse yourself. What’s so good about it: Capital One Venture Rewards Credit Card How it can make you feel fancy: At times, the Capital One Venture Rewards Credit Card offers downright enormous sign-up bonuses, but the annual fee remains a modest $95 (see rates and fees). How it can make you feel fancy: Capital One Venture Rewards Credit Card $95 » MORE: Review of the Capital One Venture Rewards Credit Card » MORE: Capital One Venture Rewards Credit Card ? Nerdy Tip Some consumers have reported issues in being able to get a metal version of Capital One's Venture products. It's also important to note that Capital One has a third product with "Venture" in the name — the Capital One VentureOne Rewards Credit Card - Miles Boost — and it is not a metal card. Capital One VentureOne Rewards Credit Card - Miles BoostCiti Strata Elite℠ Card
Citi Strata Elite℠ Card Weight: 19 grams. Weight: Apply now Apply now Read Review What’s so good about it: Like other premium travel cards, the $595-annual-fee Citi Strata Elite℠ Card is packed with various credits that, if you take advantage of them all, are worth around $1,500. But what makes this card stand out from its peers is its ability to transfer points to American Airlines. It’s one of the very few cards on the market with that perk. What’s so good about it: $595 Citi Strata Elite℠ Card How it can make you feel fancy: Holders of the Citi Strata Elite℠ Card get four passes per year to American Airlines Admirals Clubs, where you can pass the time before your flight in style and comfort. And feel free to skip the rideshare to and from the airport. Instead, hire a car from Blacklane, a chauffeur service, and get up to $200 in annual credit (in the form of two $100 credits). Oh, and at 19 grams, this card weighs more than the ultra-bougie American Express Platinum Card®, but has a smaller annual fee. How it can make you feel fancy: Citi Strata Elite℠ Card American Express Platinum Card® » MORE: Review of the Citi Strata Elite℠ Card » MORE: Citi Strata Elite℠ CardCash-back credit cards
Rakuten American Express credit card
Weight: 12 grams. Weight: What’s so good about it: The reward rates on this $0-annual-fee card are hard to beat, especially because some of them stack on top of the savings you gain from shopping through the shopping portal Rakuten. For example, the Rakuten card earns 4% cash back on purchases made through Rakuten (on up to $7,000 annual spending, then 1%). What’s so good about it: How it can make you feel fancy: Rakuten American Express cardholders can opt to earn rewards in the form of American Express Membership Rewards instead of cash back. One of the most lucrative ways to redeem Membership Rewards is to transfer them to one of AmEx’s travel partners, which includes bougie brands such as Emirates and Singapore. (Pro tip: Alternately, you can opt to collect your rewards in the form of Bilt Points, which are also transferable to various partners.) How it can make you feel fancy: » MORE: Review of the Rakuten American Express credit card » MORE:U.S. Bank Smartly™ Visa Signature® Card
U.S. Bank Smartly™ Visa Signature® Card Apply now Apply now Read Review Weight: 16 grams. Weight: What's so good about it: With the U.S. Bank Smartly™ Visa Signature® Card, you can earn up to 4% cash back if you maintain a combined balance of $100,000 or more in an eligible U.S. Bank checking account or Safe Debit account (on up to $10,000 in spending per billing cycle). Not too shabby for a card with a $0 annual fee. However, lower account balances mean you'll earn a lower rewards rate, which bottoms out at a base rate of 2% cash back (still not too shabby). What's so good about it: U.S. Bank Smartly™ Visa Signature® Card $0 How it can make you feel fancy: Telling someone you earn 4% back with this card is an obvious segue into also telling them your net worth exceeds $100,000. How it can make you feel fancy: » MORE: Review of the U.S. Bank Smartly™ Visa Signature® Card » MORE: U.S. Bank Smartly™ Visa Signature® CardCredit cards for dining
American Express® Gold Card
American Express® Gold Card Apply now Apply now Read Review Weight: 14.7 grams. Weight: What’s so good about it: The American Express® Gold Card earns rich rewards in two of the most popular household spending categories: dining and U.S. supermarkets. At 14.7 grams, it doesn’t pack the travel-perks punch of its cousin, the American Express Platinum Card®. But if you’re more foodie than road warrior, the American Express® Gold Card is worth its weight in, well, you know. (Terms apply; see rates and fees.) What’s so good about it: American Express® Gold Card American Express Platinum Card® American Express® Gold Card see rates and fees see rates and fees How it can make you feel fancy: Pick between traditional yellow gold, trendy rose gold or (for a limited time) classic white gold for your card. How it can make you feel fancy: » MORE: Review of the American Express® Gold Card » MORE: American Express® Gold CardAirline credit cards
Citi® / AAdvantage® Executive World Elite Mastercard®
Citi® / AAdvantage® Executive World Elite Mastercard® Apply now Apply now Read Review Weight: 18 grams. Weight: What’s so good about it: Both its name and its weight (an impressive 18 grams) evoke the seriousness of the status-conscious traveler who has important places to be and important presentations to give once they arrive. The Citi® / AAdvantage® Executive World Elite Mastercard® comes stuffed with additional perks in exchange for its $595 annual fee. The only thing that won’t be stuffed is your small suitcase: You and up to eight travel companions get a free checked bag on domestic flights. What’s so good about it: Citi® / AAdvantage® Executive World Elite Mastercard® $595 How it can make you feel fancy: Three words: Admirals. Club. Membership. Plus you and up to eight travel companions can get whisked through the airport with priority screening and boarding (clearly this card is for people with entourages). How it can make you feel fancy: » MORE: Review of the Citi® / AAdvantage® Executive World Elite Mastercard® » MORE: Citi® / AAdvantage® Executive World Elite Mastercard®Delta SkyMiles® Platinum Business American Express Card
Delta SkyMiles® Platinum Business American Express Card Apply now Apply now Read Review Weight: 14.8 grams. Weight: What’s so good about it: Several cards in the Delta AmEx family — including the 14.8-gram Delta SkyMiles® Platinum Business American Express Card — match their metal designs with a slew of posh perks aimed at frequent travelers. (The Delta SkyMiles® Platinum American Express Card and the Delta SkyMiles® Reserve American Express Card are also made of metal.) What’s so good about it: Delta SkyMiles® Platinum Business American Express Card Delta SkyMiles® Platinum American Express Card Delta SkyMiles® Reserve American Express Card How it can make you feel fancy: The Delta SkyMiles® Platinum Business American Express Card offers an annual companion pass, which covers airfare for a travel partner and can easily make up for the card's annual fee of $350. (Terms apply; see rates and fees). If you're willing to pay a higher annual fee, the Delta SkyMiles® Reserve American Express Card features companion passes that can be used in first class. (Terms apply; see rates and fees). How it can make you feel fancy: Delta SkyMiles® Platinum Business American Express Card $350 see rates and fees see rates and fees Delta SkyMiles® Reserve American Express Card see rates and fees see rates and fees » MORE: Review of the Delta SkyMiles® Platinum Business American Express Card » MORE: Delta SkyMiles® Platinum Business American Express Card Apply now Apply now Read ReviewUnited Club℠ Card
United Club℠ Card Weight: 12 grams. Weight: What’s so good about it: United Club℠ Card is a comparatively light 12 grams, but it’s great if you’re not a light packer. You and a travel companion get two free checked bags. What’s so good about it: United Club℠ Card How it can make you feel fancy: Wait for your flight in style (and without cumbersome luggage) with a United Club membership. How it can make you feel fancy: » MORE: Review of United Club℠ Card » MORE: United Club℠ CardCiti® / AAdvantage® Globe™ Mastercard®
Citi® / AAdvantage® Globe™ Mastercard® Weight: 13 grams. Weight: Apply now Apply now Read Review What’s so good about it: The Citi® / AAdvantage® Globe™ Mastercard® is Citi’s only co-branded American Airlines card that offers a companion certificate. Every card anniversary, cardholders receive a certificate good for a round-trip domestic flight in main cabin. Rather than paying full freight, you’ll only owe $99 plus taxes and fees. The card also gets you free checked bags, a credit toward TSA PreCheck or Global Entry and a healthy welcome offer. What’s so good about it: Citi® / AAdvantage® Globe™ Mastercard® How it can make you feel fancy: At the airport, you’ll have access to the American Airlines Admirals Club lounges, thanks to the card’s four passes per year. On the plane, treat yourself guilt-free to snacks and even a cocktail because the Globe card comes with a $100 statement credit toward food, drinks and Wi-Fi on domestic flights. At home, the aptly named $100 “Splurge Credit” can be used to pay for vintage decor, among other things. How it can make you feel fancy: » MORE: Review of the Citi® / AAdvantage® Globe™ Mastercard® » MORE: Citi® / AAdvantage® Globe™ Mastercard®Atmos™ Rewards Summit Visa Infinite® credit card
Atmos™ Rewards Summit Visa Infinite® credit card Weight: 13 grams. Weight: Apply now Apply now Read Review What’s so good about it: Holding Alaska Airlines' Atmos™ Rewards Summit Visa Infinite® credit card guarantees you one Global Companion Award worth up to 25,000 points, and you can earn another award up to 100,000 points by spending $60,000 in an anniversary year. Better still, those awards may be redeemed for any service class, not just economy. What’s so good about it: Atmos™ Rewards Summit Visa Infinite® credit card The card’s $50 voucher for flights delayed more than two hours also stands out for its versatility and practicality. How it can make you feel fancy: If you have the Atmos™ Rewards Summit Visa Infinite® credit card, you’ll get eight Alaska lounge passes per year, doled out in increments of two passes per quarter. One pass admits one adult and up to two children under 21. Plus, you can achieve elite status faster with the card. Holders automatically receive 10,000 status points every account anniversary, plus 1 status point for every $2 spent on the card. How it can make you feel fancy: Atmos™ Rewards Summit Visa Infinite® credit card » MORE: Review of Atmos™ Rewards Summit Visa Infinite® credit card » MORE: Atmos™ Rewards Summit Visa Infinite® credit cardHotel credit cards
Marriott Bonvoy Brilliant® American Express® Card
Marriott Bonvoy Brilliant® American Express® Card Apply now Apply now Read Review Weight: 14.6 grams. Weight: What’s so good about it: The Marriott Bonvoy Brilliant® American Express® Card weighs 14.6 grams. It’s middle-of-the-road, weight-wise, but this is the high-end card of the Bonvoy family. Besides its big welcome offer, you get a Free Night Award worth up to 85,000 Marriott Bonvoy® points (compared to 35,000 points with other co-branded Bonvoy cards). Terms apply; see rates and fees. What’s so good about it: Marriott Bonvoy Brilliant® American Express® Card see rates and fees see rates and fees How it can make you feel fancy: Instant Platinum Elite status gets you room upgrades, late checkout and more. How it can make you feel fancy: » MORE: Review of the Marriott Bonvoy Brilliant® American Express® Card » MORE: Marriott Bonvoy Brilliant® American Express® CardStore credit cards
Prime Visa
Prime Visa Apply now Apply now Read Review Weight: 12.4 grams. Weight: What’s so good about it: Look, there’s nothing particularly elegant about all the shower curtain liners and dog leashes you buy on Amazon. But 5% cash back on Amazon purchases when you use the 12.4-gram Prime Visa? Yes. What’s so good about it: Prime Visa How it can make you feel fancy: You also get 5% cash back at Whole Foods. They have elderflower kombucha on draft. How it can make you feel fancy: » MORE: Review of the Prime Visa » MORE: Prime VisaCredit-building cards
Chime Card™
Chime Card™ Weight: 16 grams. Weight: What’s so good about it: The Chime Card™ is geared toward consumers with bad credit. Nevertheless, it has plenty of top-tier benefits. There's no credit check, and the card doesn’t charge an annual fee, foreign transaction fees or interest. It can also earn an unlimited 1.5% cash back on rewards categories that change every quarter, though you'll have to set up direct deposit into a Chime Checking Account to snag that benefit. What’s so good about it: Chime Card™ How it can make you feel fancy: The Chime Card™ is one of the few cards for bad credit that comes with a metal option. Cardholders can opt for a titanium finish on their Chime Card™, which costs $50 plus tax. How it can make you feel fancy: Chime Card™ Chime Card™ » MORE: Review of the Chime Card™ » MORE: Chime Card™ See more from Chime® Chime says the following: The secured Chime Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A., pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your card for its issuing bank. Based on a representative study conducted by Experian® in Sept 2025, the top 10% of members who made their first purchase with Credit Builder, an earlier version of Chime Card™, between April and August 2024, observed a FICO® Score 8 increase of 71 points after approximately 8 months. Average increase of 28 points across all participants in the study. Credit score improvement not guaranteed. Paying on time may increase your score, while late payment may decrease your score. Other credit activity can impact your score. Credit score is one of many factors creditors may consider in evaluating credit applications. Chime Card™ On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. Results may vary. Chime will report your activities to Transunion®, Experian®, and Equifax®. Impact on your credit may vary, as Credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations. Money added to the Chime Card™ will be held in a secured deposit account as collateral for your Chime Card™, and you can spend up to this amount. You can use money deposited in your Secured Deposit Account to pay off your charges at the end of every month. Chime Card™ Chime Card™ Out-of-network ATM withdrawal and over the counter advance fees may apply. SpotMe® on Credit is an optional, no interest / no fee overdraft line of credit tied to the Secured Deposit Account available to qualifying members with an active Chime Card Account. To qualify for the SpotMe on Chime Card service, you must receive $200 or more in qualifying direct deposits to your Chime® Checking Account each month and have activated your physical secured Chime Visa® Credit Card or Chime Visa® Debit Card. Qualifying members will be allowed to overdraw their Secured Deposit Account up to $20, but may later be eligible for a higher limit of up to $200 or more based on Chime account history, direct deposit frequency and amount, spending activity and other risk-based factors. The SpotMe on Chime Card Limit will be displayed within the Chime mobile app and is subject to change at any time, at Chime’s or its banking partners’ discretion. Although Chime does not charge any overdraft fees for SpotMe on Chime Card, there may be out-of-network or third-party fees associated with ATM transactions and fees associated with OTC cash withdrawals. SpotMe on Chime Card won’t cover non-card transactions. SpotMe on Chime Card Terms and Conditions. With a qualifying direct deposit, earn 1.5% cash back on eligible secured Chime Visa® Credit Card purchases.Crypto credit cards
Gemini Credit Card®
Gemini Credit Card® Apply now Apply now Read Review Weight: 16 grams. Weight: What’s so good about it: If you want to dabble in crypto, the Gemini Credit Card® is a solid choice. Its annual fee is $0, and cardholders can choose the cryptocurrency they want to earn their rewards in (from a list of more than 50). Similar crypto credit cards require a paid membership to qualify for the card or to earn the best rewards rates, and they tend to limit your rewards earnings to a single cryptocurrency. What’s so good about it: Gemini Credit Card® $0 How it can make you feel fancy: If you’re approved for the Gemini Credit Card®, you can choose your card’s color — either orange, black, silver or rose gold. Adding to the uniqueness is the absence of an account number on the card itself, which Gemini says gives the card a sleek look and enhances cardholders’ security. How it can make you feel fancy: Gemini Credit Card® » MORE: Review of the Gemini Credit Card® » MORE: Gemini Credit Card®Options with more style than substance
Apple Card Apply now Apply now Read Review The Apple Card is titanium, which is pretty impressive if you know anything about metallurgy. You’re advised to clean it with a “soft, slightly damp, lint-free microfiber cloth.” If you shove it into a jeans pocket and it gets stained blue, it can be a colossal disappointment. But as far as rewards go, you earn more of them when you don’t use the physical card. Use Apple Pay (with your significantly more delicate and expensive iPhone) and earn 3% back on purchases at Apple and select merchants, and 2% back anywhere else (assuming Apple Pay is accepted there). The physical card earns just 1% back. Apple Card don’t » MORE: How to dispose of a credit card — no burying required » MORE: The Luxury Cards from Barclays include the Luxury Card™ Mastercard® Titanium Card™, Luxury Card™ Mastercard® Black Card™ and the Luxury Card™ Mastercard® Gold Card™. They offer many of the perks you’d expect from a premium travel card, like concierge service. The pricier Gold and Black cards come with travel credits, airport lounge access and more. But while the Titanium card was charging a $299 annual fee (pocket change!) as of late 2025, the Black and Gold cards charged $699 and $1,199, respectively. Luxury Card™ Mastercard® Titanium Card™ Luxury Card™ Mastercard® Black Card™ Luxury Card™ Mastercard® Gold Card™ Yes, the Gold card is legitimately plated in 24-karat gold, but higher-karat gold is actually softer and scratches more easily. Keep this card away from your keys. » MORE: How ‘platinum’- and ‘gold’-labeled credit cards lost their shine » MORE: To view rates and fees of the American Express Platinum Card®, see this page. To view rates and fees of the Delta SkyMiles® Platinum Business American Express Card, see this page. To view rates and fees of the Delta SkyMiles® Platinum American Express Card, see this page. To view rates and fees of the Delta SkyMiles® Reserve American Express Card, see this page. To view rates and fees of the Marriott Bonvoy Brilliant® American Express® Card, see this page. To view rates and fees of the American Express® Gold Card, see this page. To view rates and fees of the American Express Platinum Card®, see this page. To view rates and fees of the American Express Platinum Card®, see this page. To view rates and fees of the American Express Platinum Card®, see this page. American Express Platinum Card® To view rates and fees of the Delta SkyMiles® Platinum Business American Express Card, see this page. To view rates and fees of the Delta SkyMiles® Platinum Business American Express Card, see this page. To view rates and fees of the Delta SkyMiles® Platinum Business American Express Card, see this page. Delta SkyMiles® Platinum Business American Express Card To view rates and fees of the Delta SkyMiles® Platinum American Express Card, see this page. To view rates and fees of the Delta SkyMiles® Platinum American Express Card, see this page. To view rates and fees of the Delta SkyMiles® Platinum American Express Card, see this page. Delta SkyMiles® Platinum American Express Card To view rates and fees of the Delta SkyMiles® Reserve American Express Card, see this page. To view rates and fees of the Delta SkyMiles® Reserve American Express Card, see this page. To view rates and fees of the Delta SkyMiles® Reserve American Express Card, see this page. Delta SkyMiles® Reserve American Express Card To view rates and fees of the Marriott Bonvoy Brilliant® American Express® Card, see this page. To view rates and fees of the Marriott Bonvoy Brilliant® American Express® Card, see this page. To view rates and fees of the Marriott Bonvoy Brilliant® American Express® Card, see this page. Marriott Bonvoy Brilliant® American Express® Card To view rates and fees of the American Express® Gold Card, see this page. To view rates and fees of the American Express® Gold Card, see this page. To view rates and fees of the American Express® Gold Card, see this page. American Express® Gold Card What’s the heaviest credit card? Some of the heaviest credit cards on the market, like the J.P. Morgan Reserve, are difficult to get for most consumers. Most widely available premium rewards cards are 12 grams or heavier. The American Express Platinum Card® weighs 18.5 grams, while the Chase Sapphire Reserve® weighs 12.6 grams. American Express Platinum Card® Chase Sapphire Reserve® How much does the AmEx Platinum weigh? The American Express Platinum Card® weighs 18.5 grams. American Express Platinum Card® What are the best metal credit cards? The best metal card for you depends on what you’re looking for: rewards, other perks, and costs like annual fees and interest. There are multiple metal cards available, from premium travel cards to those that earn cash back. How do I destroy a metal credit card? Some issuers, like Chase and American Express, send you an envelope so you can mail your card back to them for safe disposal. When in doubt, call the issuer to see what it recommends. Are metal credit cards better? Metal credit cards aren’t necessarily better than plastic ones. Both metal and plastic cards offer a wide range of features that may appeal to you. Metal cards are typically more durable, but your credit card issuer will send you a new plastic card if your old one gets damaged. Article sources NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines. About the author Sara Rathner Sara is a NerdWallet travel and credit cards expert. She has appeared on the “Today” show, Nasdaq and CNBC’s “Nightly Business Report.” See full bio. Limited Time Only: Earn $1,000 Toward Travel! Capital One Venture Rewards Credit Card Travel For a limited time, the Capital One Venture Rewards Credit Card is offering new cardholders an especially rich bonus: Enjoy $250 to use on Capital One Travel in your first cardholder year, plus earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening - that’s equal to $1,000 in travel! Read full reviewFind the right credit card for you.
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