Metal Credit Cards – Upscale Rewards With High Annual Fees and Exclusive Perks
Credit card companies are bringing metal cards to more customers. Metal credit cards are typically upscale rewards cards with high annual fees and exclusive perks for those who qualify.
They can be made of brass, copper, brushed stainless steel or even gold. Aside from aesthetics, they function the same as plastic cards do.
Security
Many metal credit cards offer enhanced security features in addition to the standard chip and magnetic stripe. This includes anti-fraud technology and zero liability protection for unauthorized charges. Additionally, they are typically less susceptible to damage than plastic cards due to their durable construction.
However, it’s important to note that metal credit cards are not inherently more secure than traditional cards. In order to obtain a metal card, you’ll need to undergo the same approval process as a traditional card and will likely have to meet higher credit requirements. Additionally, metal credit cards often come with a premium price tag.
Furthermore, unlike plastic cards, which can be securely destroyed using a shredder, metal cards cannot easily be broken up or cut down to size. This means that disposing of a metal card can be more challenging, especially when the card expires and you need to replace it.
Despite this, metal cards can still be a great option for consumers looking to add to their luxury lifestyle with a unique card design. For example, the American Express Centurion Card stands out from standard credit cards with a sleek black titanium exterior, opulent perks and hefty annual fee. In addition, CompoSecure’s dynamic CVV technology can be added to metal cards to further protect against the $32 billion payment fraud problem that currently exists in the industry.
Aesthetics
The defining characteristic of metal cards is their elegance and sophistication. They may be made entirely of metal, or they could include a layer of plastic beneath the metallic surface for added durability and flexibility. They are often engraved with intricate patterns, logos or cardholder information. Metal Card Unlike standard plastic credit cards, which are typically printed with vibrant colours and detailed graphics, metal credit cards have a more sleek, polished look that exudes exclusivity.
The trend toward metal cards started two decades ago with premium cards geared toward big spenders. But since then, more and more card issuers have begun offering them to a wider range of consumers. Ultimately, metal cards aren’t any different than their plastic counterparts when it comes to functionality – you still swipe, tap and insert them the same way. But they’re certainly eye-catching, and cardmembers like their weighty feel versus lighter, plastic alternatives.
To make sure their Metal Business Cards really stood out, ARCFAB chose to go with a matte Black finish with custom cut-through areas. Combined with silver laser etching and spot color accents, this is one bitchin’ card!
Durability
Unlike plastic cards, metal credit cards have a more solid feel to them. Whether you’re buying a coffee before work or paying for a big-ticket item, a metal card has a plunk factor that lets you know it’s no ordinary payment method. Besides, they’re built to last longer and offer better durability than plastic cards.
In addition to their sleek aesthetics, many metal credit cards come with extra features that make them a premium choice for high-earners. These can include perks like exclusive rewards programs, airport lounge access and concierge services. Some even offer a sense of prestige and exclusivity, which can help you build a good credit score. However, these cards typically carry a higher annual fee than their plastic counterparts.
If you’re interested in getting a metal credit card, it’s important to research the available options and compare features before making a decision. For example, you’ll want to consider the annual fee, reward programs, sign-up bonus incentives and minimum required spend. You can also use free credit-tracker tools to monitor your score and know when you’re ready to apply. Alternatively, you can find third-party providers that will convert your existing plastic card into a metal card for a fee. But this can be a risky option, since it can compromise your security measures. In addition, it’s important to note that most metal cards are not designed for consumers who carry a balance, so be sure to pay your balance in full each month.
Flexibility
The best metal credit cards offer a premium look and feel, along with perks catering to affluent lifestyles. However, their heftier size and higher annual fees may not appeal to everyone. If you are interested in a metal card, make sure it fits your spending habits and offers the perks you value most.
Initially, metal cards were reserved for the high-spenders, but today they are more available to average consumers. They are often accompanied by luxury benefits such as priority boarding, airport security lane access and lounge access. But before you decide to opt for a metal card, make sure nxp mifare desfire the perks you get more than offset its high annual fee and minimum income requirement.
In addition, it’s worth mentioning that metal cards are less flexible in terms of features than plastic ones. For example, they generally don’t have chip-and-PIN capabilities, which is a must for most international travelers. Additionally, some older credit card machines may not accept metal cards. Also, the durability of a metal card can make it more difficult to destroy by shredding it, so many card issuers offer a return envelope that you can use to send it back for destruction.