Millennials love these expensive metallic credit cards

metallic credit card

The first metal credit card appeared on the scene in 1999 as an invite-only option with high spending limits and luxury benefits. This non-plastic alternative has recently gained more traction as a generation of Millennials becomes more financially active and aware.

According to Forbes contributor, Madhvi Mavadiya, Metal cards are a favorite choice of Millennial credit card holders for a variety of reasons. They’re more durable and can withstand the lifestyles of today’s 20 and 30-somethings, who are constantly on the go. Metal credit cards have also become Millennial status symbols, as they’re not easy to come by without a decent credit history, and give off high-roller vibes.

Frankly speaking, metal credit cards are just more fun to carry around. They’re heavier, easier to hang onto and more noticeable when you slap them down on the table to pay the dinner bill. Here are  some of the metallic credit cards Millennials are loving in 2019.

Five metallic cards that carry their weight

1. Chase Sapphire Reserve®

The Chase Sapphire Reserve® credit card was so successful when it was first released, the company actually ran out of metal cards to distribute. As its name suggests, the metal card is a dark sapphire blue color with minimalist design and silver accents. Although it has more metal card competitors today, this card continues to be a top pick for Millennials, especially those who travel often.

Special features:

  • Earn a $300 annual travel credit to reimburse travel purchases charged to the account
  • Earn 3X rewards points on worldwide travel
  • Earn 3X rewards points at restaurants across the globe
  • Complimentary Priority Pass™ Select Membership with access to over 1,000 airport lounges
  • Receive one point per $1 spent on all other purchases
  • No foreign transaction fees
  • VIP access to special events and experiences

Annual Fee: $450, $75 for each additional authorized user

2. Amazon Prime Rewards Visa Signature Card

Offered by Amazon and Chase, the Amazon Prime Rewards Visa Signature Card is a metal card geared toward Amazon Prime members looking to rack up and redeem lots of cash back bonuses. The credit card is not limited to Amazon purchases and can be used anywhere Visa is accepted. The design of the card is simple, with a dark grey background and light grey lettering. It’s a great metal card option for Millennials who love to utilize cash back rewards.

Special features:

  • Earn 5% back on and Wholefoods purchases with an eligible Prime Membership (otherwise 3% back)
  • Earn 2% back at restaurants, gas stations and pharmacies
  • Earn 1% back on all other purchases
  • Cash back rewards can be issued as statement credit or redeemed on
  • No foreign transaction fees
  • Travel accident insurance
  • Lost luggage reimbursement
  • Auto rental collision damage waiver
  • Roadside dispatch

Annual Fee: $0

3. The Platinum Card® from American Express

Millennials love the American Express Platinum Card because of its many transportation and travel benefits. The card design is minimalist, with the American Express iconic imagery overlaying a platinum background. Between earning extra cashback points on Uber rides and qualifying for statement credits for a range of airline fees, this is a great metal card for the Millennial on the go.

Special features:

  • Receive $15 in Uber cash for U.S. rides each month ($20 in December)
  • Get 5X Membership Rewards® points on flights booked directly through airlines or via American Express Travel
  • Receive 5X Membership Rewards® points on prepaid hotels booked via
  • Receive up to $200 in statement credits annually, when the card is used to pay for incidental fees, such as checked bags and in-flight refreshments, etc.
  • Free TSA Pre-Check or Global Entry
  • Complimentary benefits at fine hotels (daily breakfast, room upgrades, late check-out, Wi-Fi)
  • Access to more than 1,200 airport lounges

Annual Fee: $550

4. Mastercard® Black Card™

Weighing in as the heaviest metal card on the list, the stainless steel Mastercard® Black Card™ is a 22g, solid black luxury credit card with silver numbers and lettering. Though it rakes in a hefty annual fee, the card is particularly alluring for Millennial travelers, as it features a range of special rewards and offers, particularly in the travel industry.

Special features:

  • Up to $100 annual airline credit to use toward qualifying purchases
  • Airport lounge access
  • Global Entry application credit of $100
  • Earn 2% value for airfare redemptions
  • Earn 1.5% value for cash back redemptions
  • Luxury gifts program

Annual Fee: $495; $195 for additional authorized users

5. Apple Card

Perhaps one of the most highly anticipated of the list is the new Apple Card. Launched in August 2019, the card is made from titanium and features a sleek, minimalist design. It foregoes credit card numbers, expiration dates and even signature boxes. But it does include the account holder’s name, laser-etched on the front. With more and more Millennials synchronizing the way they make online purchases with in-person shopping, this metal card is truly one-of-a-kind.

Special features:

  • Works as a tangible version of Apple Pay or Apple Wallet
  • Earn 3% cash back on all Apple purchases, as well as purchases from the App Store, iTunes, Uber and Uber Eats (when using Apple Pay)
  • Earn 2% cash back rewards every time you make a purchase with Apple Pay
  • Earn 1% cash back on all other purchases
  • Cash back rewards are routed to the account holder’s App Cash Card in the Wallet App on the following day
  • No late fees; no foreign transaction fees

Annual Fee: $0

Bottom line

Though these are merely five of the dozens of metal cards on the market today, they best represent the benefits and costs of carrying a metal credit card. Even with high annual fees, many of these exclusive luxury cards feature benefits that make the financial output worth it. Millennials who travel frequently will enjoy VIP perks in style. Similarly, for those who like racking up serious cash back rewards, you can’t go wrong with one of these durable, stylish credit cards.