How do I get a custom metal credit card?

This question is about 2020's Best Metal Credit Cards

MICHAEL BATTLE, Credit Card Gamer

@mikebattle07/01/19

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You can get a custom metal credit card by sending your plastic credit card to a company that will convert it to metal. Lion Credit Card, Metal-CreditCard.com, and Card Ego will “upgrade” your plastic credit card or debit card to a metal card with a custom design in a sleek metal or 24K gold finish. The types of metals that can be used for these cards include chrome, silver, stainless steel and a host of alloys. There is a one-time fee of $159 to $169 for basic custom designs such as flags and logos. If you’re willing to spend up to $200 or more, you can work with one of the companies’ card designers to create your own fully customized metal card.

Companies that make custom metal credit cards will also offer to transfer your card’s EMV chip and magnetic stripe data. There’s an additional fee, typically around $29. Each company guarantees a safe and secure process, but this is still a risky move. That’s because plastic EMV cards are produced with security measures built into the plastic body that may not replicate if the chip is transferred to a metal card body. Then, there’s the risk of fraudsters copying your bank information from the card’s less-secure magnetic stripe. To preserve your card’s security, do not send your card to these companies.

Nowadays, you don’t have to visit a third-party vendor to get a metal credit card. A number of issuers now offer metal credit cards to their customers. And they’re no longer limited to super-elite, invitation only brands such as the American Express Centurion card. Some of the best metal credit cards include Chase Sapphire Preferred and Sapphire Reserve, Capital One Venture, American Express Platinum and Wells Fargo Propel. However, you will need good to excellent credit to get them. In some cases, you’ll have to pay a hefty annual fee. Amex Platinum comes with a $550 annual fee; for Sapphire Reserve, it’s $550. But at the other end of the spectrum, you can get Wells Fargo Propel for a $0 annual fee.

If you’re wondering if you can customize a traditional metal credit card, the answer is no. Metal cards lack the ability to replicate colors or pictures that some issuers offer with plastic cards.

People also ask

Is there a list of metal credit cards?

Metal credit cards have proven to be quite popular, so new options are regularly being introduced. You can find the latest list of metal credit cards below, based on our analysis of WalletHub’s database of 1,000+ credit card offers.

2020 metal credit cards list:

Metal Credit Card	… read full answer Material
Amazon.com Credit Card	Metal (Prime-member version)
Capital One® Venture® Rewards Credit Card	Stainless steel (75% recycled materials)
Chase Sapphire Reserve®	Metal
Chase Sapphire Preferred® Card	Metal
Citi Prestige® Card	Metal
Citi® / AAdvantage® Executive World Elite™ Mastercard®	Metal
J.P. Morgan Reserve Credit Card	Metal
Mastercard® Black Card	Stainless steel / carbon
Mastercard® Gold Card	Stainless steel / carbon
Mastercard® Titanium Card	Stainless steel / carbon
The Platinum Card® from American Express	Stainless Steel
American Express® Gold Card	Metal
United MileagePlus® Club Infinite Credit Card	Metal
U.S. Bank Altitude Reserve Visa Infinite® Card	Stainless Steel

Thanks to metal credit cards being seen as more elite cards, they often have high annual fees and require good-to-excellent credit.

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How do I get the Capital One Venture metal card?

You don’t have to do anything special to get the Capital One Venture metal card. All new cardholders who are approved for Capital One Venture will receive the metal version, unless they specifically request to customize the card with a photo. This is a special promotion that’s been going since February 15, 2017. Capital One has not yet announced an end date. … read full answer

Here’s how to get the Capital One Venture metal card:

If you’re a new applicant: Apply for the card. As long as you don’t request a photo card on your application, you’ll automatically get a metal card. Just keep in mind that if you ask for a photo card you’ll need to call customer service if you want to switch to metal later, since your normal replacement cards would also be photo cards.

If you’re an existing cardholder: Ask for a metal replacement. Call the number on the back of your card and ask if you’re eligible for the metal version. Some people aren’t, due to things like missed payments in the past. But if you are, you can order a replacement, which should arrive in 7-10 business days.

There’s no difference in rates, fees or the way you use the metal card vs. the plastic one. But naturally, the metal one feels a bit more prestigious. Metal credit cards are typically the cards with the highest annual fees and the best benefits. That being said, don’t worry too much about what your credit card is made of. It’s just a tool for making purchases, and its terms are what really matter.

If you’re keen on getting a metal credit card and don’t want to pay hundreds of dollars in annual fees, this is a great option. Capital One Venture comes with excellent rewards: 2 miles per dollar spent, along with 50,000 bonus miles for spending $3,000 during the first 3 months your account is open.

It’s also important to note that although Capital One hasn’t announced an end date for the Venture metal cards, this promotion could end at any time.

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