The Best Metal Credit Cards Of 2021 At Affordable prices
Back in the day, you couldn’t just walk into a bank and demand a metal card. Most banks that offered metal cards did so on invitation only. Only high-spenders at the bank were given the option to upgrade to a metal card. However, this wasn’t only to keep the exclusive of these cards but also because the maintenance and initiation fees on these cards were very high. They will run you about $10,000 in all types of fees, just to get the card.
The fintech industry has been breaking traditional banking barriers with low international transfer fees, quick transfers and many more. A lot of fintech companies also provide metal cards to their customers at a fraction of the price that traditional banks offer.
In this article, we will look at the top 5 credit cards made of metal you can apply for today and all the benefits that they have to offer.
What Credit Card Companies Issue Metal Cards?
Many credit card companies offer metal cards, but as with many things related to plastic, how much you pay for them will depend on your credit standing. To determine which offers are worth considering, compare features and benefits and weigh what’s right for your lifestyle. Usually, metal credit cards are a premium offering from banks that include many different benefits. If you love travel perks or dining out often, metal credit cards might be a good fit; if not, consider standard-issue plastic or cash-back deals instead. Before making any decision, remember that there is no one-size-fits-all solution when it comes to the best credit cards. Read on for our recommendations for the best credit cards:
N26 is one of the biggest names in the fintech industry with several services. However, today we are only focused on its metal credit card offering. N26 has different account plans and one of those plans includes N26 metal.
N26’s card is a statement maker with extensive phone and car insurance and other premium banking features. The metal credit card is powered by MasterCard and is crafted in 18 grams of stainless steel. Customers can choose one of the three available metallic shades: Charcoal Black, Slate Grey, and Quartz Rose. N26 metal credit card is minimalistic and gives off luxurious vibes at a price of just $€16.90 per month.
Features of N26 Metal
- Contactless payments
- ATM withdrawals are free of charge anywhere on the globe
- Insurance for mobile phones
- Up to 10 sub-accounts
- Travel insurance
- Coverage for medical emergencies
- Insurance for overseas car rentals
- Priority Customer Support
- A backup for your Metal card
Without a doubt, N26 provides one of the best metal credit cards at a fraction of the price. To get more information on N26, we refer you to our full N26 review. You can get information on how to apply for N26 metal and the many other benefits it offers.
Monzo is an app-only digital banking service for individuals and businesses. It lets you manage your money, set spending budgets, review account summary and many more! Monzo recently launched its Monzo premium account that features a metal card at a whopping price of £15 per month.
To stand out amongst the competition, Monzo has gone with a sleek white metal card that weighs 3x heavier than its plastic card. Monzo card is powered by MasterCard so you can rest assured that your card will be accepted regardless of where you are.
Features of Monzo Premium
- Family travel insurance
- On up to £2,000 in your account balance, you can earn a Gross (variable) interest of 1.49%
- Discounted access to airport lounges
- Fee-free international withdrawals up to £600
- Keep track of your credit score
- A UK current account
- Exceptional customer service
To get more information on Monzo premium or any other Monzo account. Check out our full Monzo review.
Bunq Metal Card
Bunq is a Dutch mobile bank that aims to make banking activities simple and accessible to everyone. It removes the many procedures associated with traditional banks, allowing its users to create a bank account fast and worry-free.
The Dutch mobile bank offers its users a metal credit card when they choose one of two account plans. Customers can get a card when they sign up for Bunq’s Easy Money account plan for €8.99 per month or the Easy Green account plan for €17.99 per month. Obviously, the benefits differ depending on which account plan you decide to go for.
However, we will focus on the benefits of the Easy Green account plan. Bunq’s metal card is powered by MasterCard and allows you to personalize your metal credit card.
Features of Bunq Easy Green Account
- Monthly fee of €17.99
- 4 free ATM withdrawals every month
- Purchase security
- Business accounts for €20.99.
- Warranty extension
- Travel assistant
- Unique IBAN account
For information on Bunq easy green account, we refer you to our in-depth Bunq review.
Revolut is a bank that is not affiliated with any of the major financial institutions. All in one app: instant spending notifications, built-in budgeting, and the option to spend and transfer money internationally at the real exchange rate. Revolut offers a free 18g solid reinforced steel metal credit card available to users in over 180 countries.
The card comes in gold, rose gold, silver and space grey. With loads of benefits that are only available to Revolut Metal subscribers. Revolut Metal will cost you £12.99 per month.
Features of Revolut Metal
- IBAN account in Euros for free
- A UK account
- No fee ATM withdrawals upto £800 per month
- Unlimited foreign exchange
- Travel Insurance
- Emergency Medical and Dental Insurance
- Purchase protection
- Ticket protection
- Free lounge access with SmartDelay
- Disposable virtual cards
If you’re looking for a safe and reliable metal credit card with loads of benefits, Revolut might be right for you. Read more in our Revolut review.
The Curve card is a wonderful choice for combining all of your spending/ATM MasterCard and Visa bank cards (debit + credit) and chosen prepaid cards into one and allowing you to manage and access all of them at the same time via the app. Curve offers its customers a metal card in a variety of colours: Red, Rose Gold and Blue. To get access to the metal credit card, you must be a member of the Curve Ultimate account.
Features of Curve Metal Card
- Fee-free international ATM withdrawals of up to €600 per month
- Merge all of your cards into one
- Travel insurance
- Rental car insurance
- Foreign currency rates are available at all times.
- Phone insurance
Is it Safe to Get a Metal Credit Card?
Metal credit cards are not more secure than plastic credit cards; the security of your account is unaffected by the material of the card. Metal credit cards are, nevertheless, more robust and heavier than standard plastic credit cards. If you’re looking for the best credit card that will last longer, then metal may be worth considering.
But if you’re worried about fraud or theft – rest assured that there are other ways to protect yourself against fraudulent activity on your account. For example, it’s always advisable to keep an eye on your statements for unusual activity and make sure you have online banking set up so you can spot any suspicious transactions as soon as they happen. If you do become a victim of fraud, contact your bank immediately to report it – don't wait until it's too late!
What Credit Score is Needed for a Metal Credit Card?
Getting approved for the metal credit cards at traditional banks comes down to two factors: your credit score and how much you’ve borrowed. Most traditional banks will require strong-to-excellent credit, but they have varying requirements as far as borrowing goes. The situation is different when it comes to online banks and their meta credit cards.
Most digital banks do not require your credit score to provide users with the best credit cards. This is because they are able to assess risk differently than traditional banks, which means that consumers with lower scores can still get approved for their products. Most digital banks will have free and paid plans and only the higher-end plans will offer users metal credit cards.
For example, if you want to get Revolut’s metal card, you have to pay for Revolut Premium then you can upgrade to Metal instantly.
Which Metal Credit Card is Made of?
There are numerous types of metal credit cards and you should be able to find one that fits your lifestyle. If you often travel or want to save on airline miles, a credit card made out of platinum would be a great choice. You can also opt for stainless steel or titanium if you don’t need your credit card to be an airplane ticket. No matter what type of metal you prefer, most metal credit cards offer bonus points and rewards.
When choosing the best metal credit card, make sure it has no annual fee and is accepted at locations where you shop frequently. Also, look into whether any foreign transaction fees are involved in using your new credit card overseas. Many people get a travel reward card as their main everyday credit card while they use their cards when travelling abroad. This way they can earn extra points while spending money on souvenirs and enjoying other perks offered by these premium credit cards.
Which Credit Card is Made Out of Metal?
MasterCard and Visa and AMEX are some of several card issuers that offer metal credit cards. The reason they do is that they want to appeal to consumers who prefer a more durable, sleek and premium look for their “plastic”. Although some people may not like to carry around a bulky piece of metal in their wallets, others will appreciate knowing that their card won’t bend or break if it accidentally gets thrown into a purse or pocket with other items. In addition, some people think it’s important to have a real piece of metal when travelling overseas as opposed to using a standard credit card made out of plastic.
Note: These cards will work just like any other Visa or MasterCard.
If you’re looking for a neobanks that is offering a metal credit card, You can go wrong with any of the metal card providers we have mentioned above. You can compare the card's benefits and choose the one that best suits you. If you want more information on other types of credit cards or just more information on alternative banking options, then AskWallet is the place for you.