Metal credit cards have become a symbol of prestige and practicality. Known for their distinctive heft and sound, these cards offer more than just physical appeal. They come loaded with features that can cater to a wide range of financial needs and lifestyles.

This article will explore the top five metal credit cards available in 2023, focusing on their benefits, rewards, and suitability for different users.

Delta SkyMiles® Reserve American Express Card

The Delta SkyMiles® Reserve American Express Card has an annual fee of $550. This card is a top-tier choice for those prioritizing travel comfort and perks. Key features include earning 3X Miles on Delta flights and Delta Vacations® and 1 mile per dollar for all other purchases, making it a valuable asset for regular travelers.

Cardholders receive 60,000 bonus miles for spending $5,000 in the first six months. Delta Sky Club® lounge access is one of the card's best features, but it will change after February 1, 2025, with Reserve card members getting 15 visits per year. An annual companion certificate for economy, first-class domestic flights, and a free Delta first-checked bag improve travel.

The card's custom metal credit card design emphasizes its luxury. However, the high APR (20.99%-29.99% Variable) and requirement of Excellent/Good credit (700-749) should be noted. Even though the companion certificate is only valid on domestic flights and reward earning rates are mediocre, the Delta SkyMiles® Reserve American Express Card is a compelling option for frequent Delta flyers, combining luxury and utility.

United Club℠ Infinite Card

The United Club℠ Infinite Card rewards users with 4 miles for every $1 spent on United purchases, a remarkable rate for airline-specific spending. Additionally, cardholders earn 2 miles per $1 on other travel and dining expenditures and 1 mile per $1 on all other purchases. The welcome bonus is particularly enticing, offering 90,000 bonus miles after meeting the qualifying criteria.

One of the card's standout features is its United Club membership, a benefit that exceeds the custom metal credit card $525 annual fee in value. This membership grants access to United Club lounges, enhancing the travel experience with comfort and luxury. Moreover, cardholders enjoy two free checked bags on United flights, a benefit that can save up to $320 per roundtrip.

The custom metal credit card also offers a 10% discount on United Economy Saver Awards within the continental U.S. and Canada and the ability to earn up to 8,000 Premier qualifying points. These features are particularly beneficial for frequent United Flyers.

However, potential users should consider the high annual fee and the card's APR, which ranges from 21.99% to 28.99% variable. The absence of an introductory APR offer and the high regular APR

Savor Rewards Credit Card

The Capital One Savor Rewards Credit Card, metal cards star, offers unique benefits for dining and entertainment spenders. Social people often like this card's custom metal credit card design. It offers 8% cash back on Capital One Entertainment tickets and 5% on Capital One Travel hotels and rental cars. It also gives 4% cash back on dining, entertainment, and popular streaming services and 3% back at grocery stores, excluding Walmart and Target.

The Savor Card also offers a $300 cash bonus after $3,000 in first-quarter spending. For cardholders who maximize rewards, the $95 annual fee is justified. Its variable APR is 21.24% to 29.24% for good to excellent credit scores (700–749). International travelers benefit from the card's unlimited reward earnings and no foreign transaction fees.

However, the high standard APR and lack of an introductory APR for purchases or balance transfers are noteworthy. These metal cards stand out for their unique entertainment rewards, a rarity in credit card rewards programs.

American Express® Marriott Bonvoy Brilliant® Credit Card

The Marriott Bonvoy Brilliant® American Express® Card is a top choice for those loyal to the Marriott brand. This custom metal credit card $650 annual fee unlocks various exclusive benefits. After spending $6,000 in the first six months, cardholders receive 95,000 Marriott Bonvoy bonus points.

Marriott Bonvoy hotels offer 6X points per dollar, making them a high-yielding hotel choice. Cardholders receive 3X points at restaurants worldwide and on airline-booked flights, plus 2X points on all other eligible purchases. This flexible earning structure makes the card suitable for various spending habits.

A highlight of the card is the free Bonvoy Platinum Elite status, which upgrades rooms and improves hotel experiences. The card also offers a Free Night Award worth up to 85,000 points annually, which is valuable for frequent travelers. This card is excellent for dining and travel with a $300 Brilliant Dining Credit, up to $100 property credit at select hotels, and no foreign transaction fees.

Moreover, cardholders receive 25 Elite Night Credits annually, propelling them toward higher loyalty status. Cell Phone Protection and enrollment in Priority Pass™ Select enhances the card's appeal, offering comfort and security on the go.

X1 Card

The X1 Card's no-annual-fee policy makes it appealing to those who want a custom metal credit card without extra fees. Frequent referrers will like this card's 4X points per dollar reward rate. Its reward rate is 2X points per dollar on all purchases and 3X on up to $7,500 monthly after $1,000.

Instead of a welcome bonus or introductory APR, the X1 Card offers a wide range of reward redemption options. These points can be used for travel, cash back, Apple, Airbnb, and Nike purchases, making these metal credit cards versatile.

The card's cell phone protection, trip interruption reimbursement, and auto rental collision damage waiver add value beyond its metal cards design. The lack of annual, late, or foreign transaction fees makes it appealing to those with 700–749 credit scores. Stylish and functional, the stainless steel X1 Card is a financial tool and statement piece for everyday spending.