I found this hilarious article from NerdWallet that literally talks about the best metal
credit cards and honestly at first I thought this was the dumbest thing ever but then I
realized...I love metal credit cards.
So despite the fact that that has absolutely nothing to do with the cash back and rewards
that you're going to get from your credit card, in today's video I thought we would
breakdown the top five best metal credit cards in 2021 so that you can not only earn those
great cash back rewards but also flex on your friends when you drop your metal credit card
on the table at dinner.
Alright let's jump right into it.
What is going on everyone?
I hope you are all having a fantastic day.
So I wasn't kidding, this is actually an article from NerdWallet that breaks down not only
the features of many of the most popular metal credit cards but also clarifies “how it
can make you feel fancy.”
So armed with this excessive amount of information and my own mild obsession with metal credit
cards, the first metal credit card that I would recommend that is probably the most
popular on today's list would be the apple card.
I've made a few separate dedicated videos on this product but this absolutely exploded
in popularity when it hit the market a few years ago and to this day remains as one of
the only free credit cards that is metal.
Coming in at a respectable 14.7 grams, the applecart is going to give you unlimited 3%
cash back on all apple store purchases including the App Store, 2% back on all purchases when
you use Apple Pay, and 1% back on everything else.
You're also going to earn that 3% cash back at select merchants like ExxonMobil, Panera,
Uber, and a few others.
Since we're specifically talking about the ridiculousness that is metal credit cards
in today's video, I will say that this is a really sleek looking product and in typical
apple fashion, it is milled out of titanium and has a sleek matte white finish and at
nearly 15 grams, it will definitely scratch the itch when you drop it on the table on
your next date night.
But overall the cash back that you're going to earn is not that great especially if you
don't frequently use Apple Pay and obviously if you're not an apple user then just forget
about this one and that's why I put it at #5 on today's list.
Coming in at #4 is one of these several metal credit cards that I personally have and that
would be the American Express platinum card.
Now I know that this one is going to be a little bit controversial and honestly I was
very hesitant to put it on this list and that is for one reason and one reason only that
I will just rip the bandit and tell you right now, this product has an absolutely ridiculous
$695 annual fee at the time of recording this video.
Now I think we can all agree that that is insane an for most of us, it's probably impossible
to truly justify that but keep in mind that with this product you get a $200 hotel credit,
a $240 digital entertainment credit, a $155 Walmart plus credit, a $200 Uber cash credit,
$800 airline credit, a $300 equinox credit, and a free clear membership which typically
costs $179 each year.
So if you take all of that and combine it with the 10X points that you're going to earn
at all US gas stations and supermarkets plus the pretty generous sign up bonuses that American
Express typically offers depending on when you sign up then overall, this product is
really going to pay for itself.
Now obviously I say that with a little bit of caution because as I talked about before,
if those credits that I just listed are not things that you would be paying for anyways
that obviously you're not actually getting a net benefit because then you're just spending
your credits on stuff that you wouldn't otherwise buy.
But if you travel a lot, you really want to flex and get into the centurion lounges at
airports and you want to have what is to my knowledge the heaviest metal credit card that
is readily available coming in at a whopping 18.5 grams which makes it the heaviest card
on today's list by a pretty wide margin then this is the one for you.
So no, most people won't be able to justify this but if you must have the heaviest metal
credit card on the markets without getting some custom piece made then the American Express
platinum card is probably the right choice for you.
Coming in at #3 is a product that I actually have never talked about in depth here on the
channel and that would be the chase sapphire preferred card.
The chase sapphire preferred is the little brother of the very popular chase sapphire
reserve card which is also metal but having already put a ridiculously high annual fee
card on today's list, I decided to go with the slightly less expensive preferred card
which is also metal and has a much more affordable annual fee of $95 per year.
At the moment you're going to earn a 60,000 point signup bonus when you spend $4000 in
the first three months which is worth somewhere around $750 when redeemed for travel depending
on how you redeem those points but you're also going to get two points per dollar on
all travel purchases, three points on dining which includes takeout and delivery services,
three points on all grocery store purchases excluding Walmart and target, three points
on all streaming services, and one point on everything else.
Plus you will also get up to $50 in statement credits each year for any hotel stays that
you purchase through the chase unlimited rewards portal.
now if I'm being completely honest with you, in my opinion the chase freedom unlimited
card is probably the better option because it's going to give you very similar benefits
except in cash back instead of points and while the chase sapphire preferred card definitely
has additional benefits over the freedom unlimited, remember that this does have a $95 annual
fee while the chase freedom unlimited card is free but it's made. of plastic which is
obviously unacceptable so if you must alert the entire restaurant when you drop your credit
card on the table then the 12.4 gram chase sapphire preferred card should do the trick.
Coming in at #2 on our list for the best metal credit cards is another very popular option
that is probably the best choice by a mile if you are and Amazon prime customer and naturally
the number two card would be the Amazon prime visa card.
This product has some pretty crazy benefits including 5% cash back on all Amazon Whole
Foods purchases, 2% back at restaurants gas stations and drugstores, and 1% back on all
other purchases.
But on top of that you're currently going to get a $100 Amazon gift card when you are
approved, 10% back on select prime deals, plus if you were already in Amazon prime member
then technically this card has no annual fee and comes in at a fairly respectable 12.4
grams which is definitely on the lighter side but it'll still do the trick.
You do also get all of the visa signature benefits with this product but obviously the
biggest benefit with this one is that 5% cash back on all Amazon purchases so if you are
a frequent Amazon shopper and you want to get 5% back on pretty much everything, then
this card is honestly a no brainer in my opinion and the fact that it is metal is a completely
unnecessary but wonderful added bonus.
And lastly coming in at number one for the best metal credit cards in 2021 and the credit
card that I personally use more often than any other product would be the American Express
gold card.
This product is the little brother of the American Express platinum card that we talked
about earlier and while the benefits and rewards aren't quite as substantial, it does have
a much more manageable $250 annual fee which I know personally I am happy to pay and get
a net benefit out of every single year.
And that's because the American Express gold card currently gives you four points per dollar
on restaurants, takeout, delivery services, and grocery stores, three points per dollar
on all flights booked through the Amex travel portal and one point on all other purchases.
Plus you also get a $120 Uber cash credits and a $120 dining credit at participating
merchants so again if those were things that you would be purchasing anyways then that's
literally free money and those credits alone will almost entirely pay for this card not
to mention all of the other points that you learn and the very hefty 60,000 point signup
bonus that you can get with this card.
And if you do want to check out this product in clean that offer then I will leave a link
in the description where you can sign up and also help me achieve my goal of paying for
my entire honeymoon with American Express points which I and my fiance both appreciate
very much.
Now I do have to warn you that this card is only 14.7 grams which is a little bit less
than the American Express platinum card but personally I am happy to pay $400 less every
single year plus in my opinion I think the gold card looks way cooler than the platinum
card plus you can also get it in this really cool rose gold color and I'm assuming that
if you made it this far in the video then that means you really care about what your
credit cards look like.
And yes I legitimately have four of these cards... don't ask me how that happened but
hey I'm not complaining.
So there you have it those are the top five best metal credit cards in 2021 and I feel
I again need to acknowledge that obviously the material a card made of means absolutely
nothing but I would be lying if I said that I didn't like a metal credit card just as
much as the next guy and you know what, I don't think that anyone should feel bad about
such a simple joy in their life.
So I would love to know what your favorite metal credit card is down in the comment section
below and what it is about that particular metal card that makes it the best in your
eyes.
As always if you did get value out of this content and you want to help support me the
easiest way to do that is actually by checking out some of my favorite financial tools down
in the description below many of which will give you some free money when you sign up
including one offer from the POINT cash back debit card that will currently give you $100
when you open an account and make your first purchase so definitely check that out using
the link down in the description below.
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in the future and of course thank you so much for your time I really do appreciate it.
Take it easy and I'll see you in the next one!