How a Metal Card Can Convey Prestige and Status
Imagine dropping your metal credit card on the table with a satisfying thud during dinner. From City trader street cred to exclusive benefits, a metal card can convey prestige and status.
The heaviest metal cards offer premium perks and require a high minimum income and credit score to qualify. Learn why these cards are worth it, and how they function differently from plastic credit cards.
Durability
Unlike plastic cards, metal credit cards are much more durable and resistant to physical damage. They can withstand frequent use and heavy wear and tear without bending or breaking. They also offer enhanced security features that can help protect cardholders from identity theft and fraud.
While many metal credit cards come with a high annual fee, they can offer a number of benefits that can offset the cost. For example, they often provide rewards programs and perks like cashback, airport lounge access, and travel miles. They also have a sleek design that can make a statement about the cardholder’s status and wealth.
Another benefit of metal cards is that they are more eco-friendly than their plastic counterparts. While plastic credit, debit and prepaid cards contribute to global waste and pollution, metal cards are made of recycled materials. They are also easier to recycle and can be used for hundreds of years before they break down, making them a more sustainable alternative to plastic.
Security
Metal credit cards feature a premium look and feel, and can offer exclusive perks for high-spenders. They can also come with extra travel protections and rewards programs. However, they are generally heavier than plastic credit cards and may carry a higher annual fee.
While the metal credit card market has been growing, it’s important to assess the core benefits of a card before making a purchase. Kerr suggests assessing the card’s rewards, Metal Card security and extra features rather than focusing on looks alone.
When it comes to credit card security, metal cards are sturdier than their plastic counterparts, and can resist wear and tear much better. They’re also less prone to damage, and can be swiped or inserted into card readers many times without losing their functionality.
However, the metal card isn’t indestructible, and can still be damaged by harsh temperatures or chemical agents. It can also be damaged by bending or cutting it. Thankfully, credit card issuers can provide envelopes for expired or destroyed metal cards for secure disposal.
If you want to avoid the hassle nxp mifare desfire of destroying your card, bring it to your bank in person and have them destroy it on your behalf. They’ll usually have a secure area in their office where you can drop it off. This method is more secure than sending it in the mail.
Aesthetics
Designed with beauty in mind, metal cards add a premium feel to your wallet and can make a statement about your financial status. Originally, these cards were offered exclusively to high-spenders as a status symbol, but the trend has gained popularity and now you can find metal credit cards from most major card issuers. Some are made of brass or copper, while others are brushed stainless steel or even gold-plated. They are heavier than plastic cards, which makes them stand out in your hand and give off a sense of luxury.
Despite their weight, metal cards are durable and can stand up to wear and tear. They are also more difficult to damage than plastic cards, which can be prone to scratches and cracks over time. Many card companies offer additional security features, such as anti-counterfeiting and embedded chips, to help prevent fraud. Some offer zero liability protection in the event of an unauthorized charge, which is a nice bonus to have if you’re carrying around a sleek and expensive metal card.
While a metal card might add panache to your wallet, you should only get one if the benefits it offers outweigh its cost. For example, a metal card that charges a hefty annual fee might have better travel rewards programs than a plastic card with the same amount of points.
Rewards
Many metal cards are pure metal plates while others combine a stainless-steel core with plastic layers front and back. Either way, a cardholder can swipe, tap and insert them just as they would a standard plastic credit card. These cards are generally used for high-value purchases, providing a sense of prestige and exclusivity while offering a variety of perks and rewards.
Metal credit cards usually offer a rewards program in the form of points, miles or cash back that can be redeemed for merchandise, travel or other benefits. Some cards also come with welcome offers that provide substantial upfront value, but be careful not to overspend just to qualify for a welcome offer and make sure you have a budget that can support the card’s annual fee.
Choosing the best metal credit card depends on your specific preferences and spending habits. Some metal cards have a higher annual fee than others, but it’s important to find the card that offers the best overall value for your situation.
If you spend a lot on dining and travel, consider the American Express Gold Card or Chase Sapphire Preferred Card. These cards offer excellent rewards rates in these categories and other perks like Priority Pass Select membership, airport lounge access and complimentary Global Entry/TSA PreCheck application fee credits. If you prefer a premium experience, look for a card that comes with features like edge-to-edge metal, contactless certification and advanced printing features.