Choosing a Metal Credit Card
When it comes to credit cards, there are plenty of options available. Metal cards are gaining popularity, and most major card issuers offer them on some of their premium card products.
However, you’ll likely need a decent credit score to get approved for one. If you’re considering applying for a metal card, read on to learn more about their features and benefits.
High-Status Design
Metal credit cards are often a status symbol and offer a premium feel to discerning consumers. They are typically crafted from metal alloys such as brushed stainless steel, brass, copper, or titanium. Many feature elegant designs or a cardholder’s personal details for added opulence and exclusivity. Typically, they are also designed to meet the needs of affluent customers by offering impressive privileges such as luxury shopping and dining benefits, airport lounge access, concierge services, and other travel-related perks.
Unlike their plastic counterparts, metal cards typically weigh more, which can be a turnoff for some consumers who prefer lighter wallets or who have specific portability requirements. Additionally, the metal construction of some cards can interfere with contactless payment functionality, such as a tap to pay for transport or other tap-and-go payments.
The modern credit card industry has seen a significant shift toward the design-focused metal credit cards that are aimed at attracting the millennial generation, whose preference for minimalist credit card design is often paired with high-value benefits. This trend began with the introduction of the ultra-premium American Express Centurion Card, or Black Card, which debuted in 1999 and is considered the ultimate credit card status symbol due to its opulent perks and exclusive status as an invite-only product for the wealthiest of consumers. Other card issuers have quickly jumped on the bandwagon to provide a range of metal credit cards for customers with different needs, preferences, and lifestyles.
High-Security Features
With metal credit cards, banks can offer a distinctive product that is often Metal Card seen as a status symbol and a high-end lifestyle choice. These premium cards also help to attract and retain high-value customers.
Unlike plastic cards, which may be susceptible to bending or heat damage, metal credit cards are extremely durable. They can be used to make purchases, balance transfers, or cash advances. They are also equipped with EMV chips to provide added security against fraudulent activities.
In addition, most of these cards require good or excellent credit to be approved. They typically come with perks like annual travel credits, airport lounge access, concierge service, and more.
As more consumers consider metal credit cards, issuers have started offering them to a wider range of consumers. While they nxp mifare desfire are more expensive than plastic credit cards, their durability and premium look and feel can be worth the extra cost.
IDEMIA’s newest offering, the Compact Metal Card, is an attractive and eye-catching metal payment card that delivers both high functionality and quality. This stainless steel card features a PVC layer on both the front and back, contactless certification from major payment schemes, and innovative printing options. It weighs 12.5 grams, making it an ideal card for the customer’s wallet. It also includes a fingerprint sensor that provides valuable peace of mind for high-value customers.
Efficient Issuance Process
When a credit card is made of metal, it isn’t the kind of thing that can be swiped through a chip reader like its plastic counterparts. Instead, metal credit cards need to be mailed back to the card issuer for safe and secure disposal. Card issuers will usually provide a prepaid envelope for this, but it is an extra step not typically required with plastic cards.
Card metals vary across card issuers and are typically kept under lock and key, but you can expect titanium, stainless steel, 24 karat gold, palladium and other premium metals to be used in the creation of these luxury cards. They will also be heavier than their plastic counterparts, due to the material they are constructed from.
While the appeal of a metal credit card is clear, it’s important to weigh these benefits against the other factors that determine your ideal card. In particular, you should consider the rewards, fees and other features that are associated with each card before making a decision.
While metal cards were initially reserved for ultra-wealthy customers, these options are now available for people of all budgets. While they may be more expensive than plastic cards, the high-end status and prestigious appearance make them worth the extra expense. It’s also worth noting that the metal construction of these cards means they are less prone to damage than their plastic counterparts, and you may be able to use them for a much longer period before having to replace them.
G+D Offers a Wide Range of Metal Cards
There are plenty of options for consumers who want a credit card that feels different from traditional plastic cards. Choosing the right metal card depends on factors like rewards, other perks and costs. Metal cards generally have higher annual fees and interest rates than most standard credit cards. Some of them also require excellent credit to qualify for approval and carry hefty spending requirements.
Some metal cards are more difficult to destroy than plastic ones, which can be a disadvantage for people who close their accounts or need to replace an expired card. They can’t be cut with scissors or put into a regular shredder, so they must be mailed back to the issuer for safe disposal.
The most upscale metal card is Convego Metal Face, which features exposed metal and a distinct sound when tapped. It’s the perfect card for those who enjoy a premium feel and want to be recognized as high-value customers.
Other metal cards are less snazzy but still offer a distinctive look and unique feel. Some of these cards come with premium rewards and other perks, including airport lounge access and elevated status with hotel and car rental brands. They’re ideal for affluent consumers who want to stand out and aren’t afraid to pay a little extra to get the best of the best.