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Published October 30, 2022

Best Metal Credit Cards in Canada

There are a handful of metal credit cards in Canada, typically made of titanium or stainless steel. The best metal credit cards offer premium perks and rewards.

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own.

Metal credit cards blend functionality and sophistication to offer an elevated cardholder experience for those who qualify.

To choose the best metal credit card, consider eligibility criteria, fees and card rewards before you apply.

Summary of best metal credit cards

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The best metal credit cards in Canada

American Express® Aeroplan® Reserve Card

American Express® Aeroplan® Reserve Card
  • Annual Fee
    $599
  • Interest Rates
    20.99% / 21.99%
  • Rewards Rate
    1.25x-3x Points
  • Intro Offer
    Up to 85,000 Points
Our Take
Why we like it

Comprehensive travel insurance, Air Canada benefits, impressive earn rates and unlimited rewards make the American Express Aeroplan Reserve Card a strong choice for frequent travellers.

Pros
  • Strong earn rates with unlimited rewards.
  • Air Canada airport benefits, like Maple Leaf Lounge access, a free checked bag, Priority Airport Check-In, Priority Boarding for you and up to eight travel companions.


Cons
  • A high $599 annual fee.
  • The highest earn rate only applies to Air Canada travel purchases, so this card might not be a good fit if you prefer another airline.
Product Details
  • New American Express® Aeroplan®* Reserve Cardmembers can earn up to 85,000 Aeroplan points:
  • Earn 55,000 Aeroplan points after spending $6,000 in net purchases on your Card within the first 6 months of Cardmembership.
  • Plus, you can also earn 5,000 Aeroplan points for each monthly billing period in which you spend $1,000 in purchases on your Card for the first 6 months of Cardmembership. That could add up to 30,000 Aeroplan points.
  • New Cardmembers: Earn up to $2,700 in value within your first year. Spend applies to bonus point offers valued at up to $1,700.
  • New Cardmembers: Receive up to $100 CAD in statement credits every four years when a NEXUS application or renewal fee is charged to your American Express Aeroplan Reserve Card.
  • Standard Earn Rate: Earn 3X the points on eligible purchases made directly with Air Canada®* and Air Canada Vacations®*.
  • Standard Earn Rate: Earn 2X the points on eligible Dining and Food Delivery purchases in Canada.
  • Earn 2X the points on eligible purchases with Rocky Mountaineer®**. Plus, you could receive a Complimentary Hotel Room Category Upgrade, on the first and last night, and a Complimentary Upgrade from SilverLeaf to GoldLeaf class of service when you book directly with Rocky Mountaineer using your Aeroplan Reserve Card.
  • Standard Earn Rate: Earn 1.25X the points on everything else.
  • Get through the airport quicker with Air Canada Priority Check-In, Air Canada Priority Boarding and Air Canada Priority Baggage Handling.
  • Receive one Annual Worldwide Companion Pass when you spend $25,000 in net purchases prior to your Card anniversary date; your Pass entitles you to buy an accompanying Air Canada economy class ticket for a companion at a fixed base fare from $99 to a maximum of $599 CAD (plus taxes, fees, charges, and surcharges).
  • Enjoy access to select Air Canada Maple Leaf Lounges™* and Air Canada Café™ in North America for you and a guest, with a same day ticket on a departing Air Canada or Star Alliance flight.
  • Enjoy your eligible first checked bag free for up to 9 people travelling on the same reservation on Air Canada flights.
  • Roll over any unallocated Aeroplan Elite™* Status Qualifying Miles and unused eUpgrade Credits to the following year to enjoy during your travels.
  • American Express® Experiences opens doors for you to access a number of special events, including special dining experiences, VIP parties, advance film screenings and more.
  • Get more from your travel experience at Toronto Pearson International Airport with:
  • Access to Pearson Priority Security Lane.
  • Complimentary valet service at the Express Park and Daily Park.
  • 15% discount on parking rates at the Express Park and Daily Park.
  • 15% discount on Car Care Services.
  • Get access to more than 1,200 Priority Pass™ airport lounges and enjoy an oasis of comfort before your flight, regardless of your airline or cabin class.
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply.

American Express® Aeroplan®* Business Reserve Card

American Express® Aeroplan®* Business Reserve Card
  • Annual Fee
    $599
  • Interest Rates
    16.99% / 21.99%
  • Rewards Rate
    1.25x-3x Points
  • Intro Offer
    Up to 85,000 Points
Our Take
Why we like it

The annual fee is no joke, but cardmembers have plenty of reasons to smile thanks to the American Express® Aeroplan®* Business Reserve Card’s strong earn rates, extensive travel benefits and overall convenience.

Pros
  • Serious bonus point potential in the first six months.
  • Relatively low interest rate.
  • Strong earn rates on eligible Air Canada travel purchases, hotel bookings and car rentals, even after the 6-month even after the introductory period ends. Plus, premium travel perks and benefits, like airport lounge access and priority upgrades, to make sure your next trip goes smoothly.


Cons
  • High annual fee.
  • Earning the Annual Worldwide Companion Pass may not be possible for all businesses.
  • The purchase interest rate rockets to 23.99% if you miss a payment.
Product Details
  • Earn up to 85,000 Welcome Bonus Aeroplan®* points:
  • Earn 25,000 Aeroplan points after spending $3,000 in net purchases on your Card within the first three months of Cardmembership.
  • Plus, earn 5,000 Aeroplan points for each monthly billing period in which you spend $2,000 in purchases on your Card for the first twelve months of Cardmembership. That could add up to 60,000 Aeroplan points.
  • Earn up to $2,600 or more in value within your first year.
  • Earn Aeroplan points that you can redeem in a variety of ways.
  • Earn 3 points for every $1 spent on eligible purchases made directly with Air Canada and Air Canada Vacations®*.
  • Earn 2 points for every $1 spent on eligible hotels and car rentals.
  • Earn 1.25 points for every $1 spent on everything else.
  • Make the most out of a full suite of business management tools that give you more control over your business – anytime and anywhere.
  • Leverage your cash flow with the option of carrying a balance or paying in full each month.
  • Control employee expenses plus track and accumulate points on your account with Supplementary Cards, so you have an opportunity to maximize the points you earn.
  • Unlock business travel possibilities to make every work trip one to look forward to.
  • Access more than 1,200 Priority Pass™ airport lounges around the globe. That means an oasis of comfort before your flight—regardless of your choice of airline or cabin class.
  • Enjoy access to select Air Canada Maple Leaf Lounges™ for you and a guest, and Air Canada Café™; in North America, with a same day ticket on a departing Air Canada or Star Alliance®* flight.
  • Enjoy Priority Check-In, Priority Boarding, and Priority Baggage Handling when you fly with Air Canada, together with up to eight companions.
  • Receive one Annual Worldwide Companion Pass when you spend $25,000 in net purchases prior to your Card anniversary date; your Pass entitles you to buy an accompanying Air Canada economy class ticket for a companion at a fixed base fare from $99 to a maximum of $599 CAD (plus taxes, fees, charges, and surcharges).
  • Stay focused on getting where you need to go. Receive up to $100 CAD in statement credits every four years when NEXUS application or renewal fees are charged to your Aeroplan Business Reserve Card.
  • Pay with your American Express Aeroplan Business Reserve Card and present your Aeroplan Membership Card at over 170 Aeroplan partner brands and 120 online retailers via the Aeroplan eStore to earn points twice.
  • If you’re departing from Toronto Pearson International Airport, enjoy the benefits of being an American Express Aeroplan Business Reserve Cardmember. Get more from your travel experience with access to Pearson Priority Security Lane, Complimentary Valet Service, 15% discount on parking rates, and 15% discount on Car Care Services.
  • Roll over any unallocated Aeroplan Elite™ Status Qualifying Miles and unused eUpgrade Credits to the following year to enjoy during your travels.
  • Enjoy priority access to the standby list and eUpgrades. Get prioritized on the standby waitlist for an Air Canada flight and higher priority when you request an eUpgrade.
  • Earn 1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $5,000 in eligible net purchases charged to your Card.
  • Book flight reward tickets for even fewer points with Air Canada. In addition to flights, you can also redeem for hotel stays, car rentals, vacation packages, merchandise and more.
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply.

The Platinum Card® from American Express

The Platinum Card® from American Express
  • Annual Fee
    $699
  • Interest Rates
    Varies
  • Rewards Rate
    1x-3x Points
  • Intro Offer
    Up to 80,000 Points
Our Take
Why we like it

This precision-cut and engraved metal Platinum Card boasts a generous intro offer, strong earn rates on rewards, and an impressive array of premium benefits and perks.

Pros
  • From special reservations to insider tips, you can enhance your travel experiences with complimentary, personalized service from Platinum Concierge — available 24/7.
  • Benefit from a full suite of Platinum-level travel perks, such as worldwide airport lounge access, the Global Dining Collection, and more.


Cons
  • Unless you plan to travel a lot, it may be difficult to offset the high $699 annual fee.
  • No travel medical coverage for cardmembers over the age of 65.
Product Details
  • Unlock special experiences with the Platinum Card®.
  • Earn up to 80,000 Membership Rewards® points – that’s up to $800 towards a weekend away.
  • New Platinum® Cardmembers, earn 60,000 Welcome Bonus points after you charge $6,000 in net purchases to your Card in your first 3 months of Cardmembership.
  • Plus, earn 20,000 points when you make a purchase between 14 and 17 months of Cardmembership.
  • Earn 3 points for every $1 in Card purchases on eligible dining and food delivery in Canada, 2 points for every $1 in Card purchases on eligible travel, and 1 point for every $1 in all other Card purchases.
  • You will have access to a $200 CAD Annual Travel Credit to use towards any single travel booking of $200 or more charged to your Platinum Card and made on www.americanexpress.ca/travel or through Platinum Card® Travel Service.
  • Take full advantage of The American Express Global Lounge Collection™ which unlocks access to over 1,300 airport lounges worldwide. This includes The Centurion® Lounge network, Plaza Premium Lounges, and hundreds of other domestic and international lounges designed to enhance your travel experience.
  • Enjoy flexible ways to use your points such as statement credits for any eligible purchase charged to your Card, new travel purchases booked on American Express Travel Online through the Flexible Points Travel Program, and eligible flights through the Fixed Points Travel Program.
  • Transfer points 1:1 to several frequent flyer and other loyalty programs.
  • Enjoy complimentary benefits that offer an average value of $550 USD at over 1,000 extraordinary properties worldwide when you book Fine Hotels + Resorts.
  • Platinum Cardmembers can enjoy access to special events and unique opportunities.
  • Enjoy premium benefits at the Toronto Pearson Airport such as discount on parking.
  • You will also have access to many leading hotel and car rental companies’ loyalty programs. Our partners include Marriott International, Hilton Hotels and Resorts, Radisson Hotel Group Americas, Hertz and Avis.
  • Interest applies in accordance with your Cardmember Agreement, Information Box, and Disclosure statement if the total New Balance is not paid by the Payment Due Date each month. All payments must be received by the Payment Due Date shown on the monthly statement.
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply.

Business Platinum Card® from American Express

Business Platinum Card® from American Express
  • Annual Fee
    $499
  • Interest Rates
    Varies
  • Rewards Rate
    1.25x Points
  • Intro Offer
    80,000 Points
Our Take
Why we like it

Some smaller businesses might balk at the high annual fee, but you get what you pay for with the Business Platinum Card from American Express: a large welcome bonus, flexibility in how you cash in rewards and a bevy of exclusive travel perks.

Pros
  • Make the most of your cash flow with no pre-set spending limit, flexible payment options, up to 55 interest-free days, and plenty of account management tools.
  • A full suite of insurance and premium travel perks, including airport lounge access, premium airport transfer services.
  • A referral program that could score cardmembers up to 225,000 bonus Membership Rewards points a year.


Cons
  • A high annual fee for both the primary card and any additional cards.
  • No introductory earn rate to help maximize rewards.
  • American Express may not be accepted by the suppliers and service providers your business works with.
Product Details
  • Earn 80,000 welcome bonus Membership Rewards® points.
  • Earn a welcome bonus of 80,000 Membership Rewards® points when you spend $6,000 in purchases within the first three months of Cardmembership. That’s $800 in statement credits that can be reinvested in your business.
  • Earn points that you can redeem in a variety of ways.
  • Earn 1.25 Membership Rewards points for virtually every $1 in purchases and get the most out of your business expenses.
  • Enjoy an exceptional line-up of rewards redemption options for you and your business, including travel, dining, entertainment, gift cards, merchandise, and more with Membership Rewards program.
  • Transfer points to frequent flyer and hotel programs, including one-to-one to Aeroplan®* and Avios.
  • Unlock business possibilities with a full suite of business management tools that give you more control over your business – anytime and anywhere.
  • Enjoy financial flexibility with no pre-set spending limit on purchases. With this Card, your purchasing power adjusts dynamically with your Card usage, and can grow over time, as long as you make your payments on time and maintain a good credit history.
  • Maximize your cash flow with up to 55 interest free days so you can keep more cash on hand when you need it most.
  • Pay for business expenses over time with Flexible Payment Option.
  • This charge card has both Due in Full and Flexible Payment Option balances. All Due in Full balances must be paid each month. Interest rate of 30% applies to each delinquent Due in Full charge. This rate is effective from the day account is opened. Interest rate of 19.99% applies to your Flexible Payment Option balance. This rate is effective from the day the Flexible Payment Option is first available on your account.
  • Enjoy exclusive benefits for you and your business.
  • Take full advantage of the American Express Global Lounge Collection which unlocks access to over 1300 airport lounges worldwide. This includes The Centurion® Lounge network, Plaza Premium Lounges, and hundreds of other domestic and international lounges designed to enhance your travel experience.
  • Enjoy premium benefits at the Toronto Pearson Airport, including access to the Pearson Priority Security Lane and discount on parking.
  • Get access to discounted base fares for you and your travel companions when you book through the International Airline Program.
  • Enjoy access to specialty services and events, preferential treatment, and a dedicated Concierge team.
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply.

American Express® Gold Rewards Card

American Express® Gold Rewards Card
  • Annual Fee
    $250
  • Interest Rates
    20.99% / 21.99%
  • Rewards Rate
    1x-2x Points
  • Intro Offer
    Up to 50,000 Points
Our Take
Why we like it

The American Express Gold Rewards Card should get the attention of travellers looking for comfort and flexibility. Points can be used for an impressive array of items and can be transferred to other rewards programs. The new rose gold design is an eye-catcher, too.

Pros
  • Travel in comfort: room and rental car upgrades, access to airport lounges and credits for hotel amenities like dining and spa treatments.
  • The 50,000-point intro offer is equivalent to $500 for shopping, travel and more.


Cons
  • Travellers 65 or older won’t be covered by the card’s emergency medical insurance.
  • If you travel often, you could burn through your four complimentary visits to Plaza Premium Lounges fairly quickly.
Product Details
  • Earn up to 50,000 Membership Rewards® points – that’s up to $500 towards your next flight or dinner out with friends.
  • New American Express® Gold Rewards Cardmembers can earn a Welcome Bonus of 40,000 points when you charge $3,000 in purchases to your Card in your first 3 months of Cardmembership.
  • Plus, earn an additional 10,000 points when you make a purchase between 14 and 17 months of Cardmembership.
  • Earn 2 points for every $1 in Card purchases for eligible travel purchases, including flights, hotels, car rentals, cruises, and more.
  • Earn 2 points for every $1 in Card purchases at eligible gas stations, grocery stores and drugstores in Canada, and 1 point for every $1 in Card purchases everywhere else.
  • The Card is now available in your choice of Gold or Rose Gold metal options.
  • Receive a $50 CAD statement credit when a NEXUS application or renewal fee is charged to your American Express Gold Rewards Card.
  • You have access to an annual $100 CAD Travel Credit, compliments of your American Express Gold Rewards Card. Use the credit once annually towards any single travel booking of $100 or more charged to your Gold Rewards Card through American Express Travel Online.
  • As a Gold Rewards Cardmember, you can receive complimentary membership in Priority PassTM – one of the world’s largest independent airport lounge programs. Escape the chaos of airports and relax in an oasis of calm and simply enjoy the fact that the travel experience has begun before your plane has even left the ground. Enrollment is required and entry fees apply.
  • Enjoy four (4) complimentary visits per Calendar year to Plaza Premium Lounges across Canada. Entry fees apply once complimentary visits have been used.
  • Charge any eligible purchase to your credit Card then log in to redeem your earned points for a statement credit.
  • Transfer points 1:1 to several frequent flyer and other loyalty programs.
  • 1 Free Additional Gold Rewards Card (a $50 value) to help you earn points faster.
  • Subject to approval. The preferred rate for purchases is 20.99% and funds advances is 21.99%. If you have Missed Payments, the applicable rates for your account will be 23.99% and/or 26.99%. See the information box included with the application for the definition of Missed Payment and which rates apply to charges on your account and other details.
  • American Express is not responsible for maintaining of monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply.
  • To be eligible, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.

TD® Aeroplan® Visa* Infinite Privilege* Card

TD® Aeroplan® Visa* Infinite Privilege* Card
  • Annual Fee
    $599
  • Interest Rates
    20.99% / 22.99%
  • Rewards Rate
    1.25x-2x Points
  • Intro Offer
    Up to 105,000 Points
Our Take
Why we like it

The TD® Aeroplan® Visa* Infinite Privilege* Card comes with strong travel insurance and perks, plus healthy earn rates on everyday purchases.

Pros
  • Comprehensive travel insurance includes medical benefits for ages 65 and older.
  • Complimentary Visa Airport Companion membership with six airport lounge visits included each year.


Cons
  • A high annual fee and steep income requirements
  • Accelerated earn rates are limited to $100,000 annual spend.
Product Details
  • Intro offer: Earn up to 105,000 Aeroplan points†. Conditions Apply. Must apply online by January 3, 2023.
  • Earn 2 points† for every $1 spent on eligible purchases made direct through Air Canada® purchases (including Air Canada Vacations®).
  • Earn 1.5 points† for every $1 spent on eligible gas, grocery, travel and dining purchases.
  • Earn 1.25 points† for every $1 spent on all other purchases made with your Card.
  • Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 170+ online retailers via the Aeroplan eStore.
  • Global Airport Lounge Access†: Receive a complimentary membership to the Visa Airport Companion† Program hosted by Dragonpass International Ltd. and take advantage of six lounge visits included for each Cardholder per membership year at over 1,200 airport lounges worldwide. Enroll through the Visa Airport Companion App or through visaairportcompanion.ca
  • Complimentary Visa Infinite Concierge† : On-call 24 hours a day, seven days a week, the Visa Infinite Concierge can help with any Cardholder request — big or small, to help you get the most out of life whenever you travel, shop and use your Card.
  • Visa Infinite Luxury Hotel Collection†: Receive seven exclusive benefits when you book your stay through the Visa Infinite Luxury Hotel Collection featuring over 900 of the world’s most intriguing properties. Enjoy an additional 8th benefit at over 200 properties, exclusively for Visa Infinite Privilege cardholders.
  • Travel Medical Insurance†: Up to $5 million of coverage for the first 31 days. If you or your spouse is aged 65 or older, you are covered for the first 4 days of your trip. Additional top-up coverage is available.
  • Trip Cancellation/Trip Interruption Insurance†: For Trip Cancellation coverage of up to $2,500 per insured person, with a maximum of $5,000 for all insured persons, and for Trip Interruption coverage of up to $5,000 per insured person, with a maximum of $25,000 for all insured persons on the same covered trip.
  • Flight/Trip Delay Insurance†: Up to $1,000 in coverage per insured person if your flight/trip is delayed for over 4 hours.
  • Delayed and Lost Baggage Insurance†: For delayed baggage over 4 hours, up to $1,000 of coverage per insured person for the purchase of essentials, such as clothing and toiletries. For lost baggage, up to $2,500 of coverage per insured person.
  • Common Carrier Travel Accident Insurance†: Up to $500,000 of coverage for covered losses while travelling on a common carrier (for example, a bus, ferry, plane, train or auto rental).
  • Save time at the border with NEXUS: Enroll for a NEXUS and once every 48 months get an application fee rebate (up to $100 CAD)†. Additional Cardholders can also take advantage of this NEXUS rebate.
  • To be eligible, $150,000 annual personal income or $200,000 household annual income is required. Also, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.
  • †Terms and conditions apply.
  • This offer is not available for residents of Quebec.
  • The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button.

CIBC Aeroplan® Visa Infinite Privilege Card

CIBC Aeroplan® Visa Infinite Privilege Card
  • Annual Fee
    $599
    Annual fee rebate available
  • Interest Rates
    20.99% / 22.99%
  • Rewards Rate
    1.25x-2x Points
  • Intro Offer
    Up to 75,000 Points
Our Take
Why we like it

The CIBC Aeroplan Visa Infinite Privilege card is loaded with enough attractive features — solid travel perks, an annual Companion Pass, low interest rates on major purchases — to make the high cost of entry worth it for some consumers.

Pros
  • A generous introductory offer.
  • Lounge access and priority status for you and your fellow travellers can bring comfort and enhanced convenience to a long day of travel.


Cons
  • A high annual fee and steep income requirements.
  • Qualifying for the annual Companion Pass requires a level of spending some cardholders may not be on board with.
Product Details
  • Intro offer details: You’ll receive 20,000 Aeroplan points when you make your first purchase, another 25,000 if you spend $3,000 or more during your first four monthly statement periods, and 30,000 more (2,500 points per month) if you charge at least $2,000 to your card each month in the first year. This offer only applies to newly approved card accounts.
  • 2x Aeroplan points on Air Canada purchases, including Air Canada Travel Vacations.
  • 1.5x Aeroplan points on gas, groceries, travel and dining, up to annual $100,000 spend.
  • 1.25x Aeroplan points on other purchases.
  • Earn points twice by providing your Aeroplan number at over 150 Aeroplan partner brands and over 170 online retailers through the Aeroplan eStore.
  • Points can be redeemed for flights, car rentals and hotel stays, as well as complete vacation packages like cruises and all-inclusive resort visits. Points can also be redeemed for gift cards and merchandise sold through the Aeroplan eStore.
  • $599 annual fee, which can be reduced by up to $139 each year if you have a CIBC Smart Plus account.
  • An annual Worldwide Companion Pass, worth up to $599, to any destination in the world that Air Canada flies when you spend $25,000 on your card.
  • Exclusive access to Visa Infinite Luxury Hotel Program, Visa Infinite Dining Series and the Visa Infinite Wine Country Program.
  • Reach Aeroplan Elite status sooner by earning 1,000 Status Qualifying miles and one Status Qualifying segment for every $5,000 you spend on eligible purchases.
  • Save up to 25% on car rentals at participating Avis and Budget locations.
  • Authorized users can access travel benefits when travelling without you by linking their Aeroplan number.
  • Access to CIBC Pace It, an installment plan designed to help you pay off large or unexpected purchases over time at a lower interest rate.
  • 13 types of insurance provided, including 31-day travel medical benefits (10 days if you’re 65 or older on your departure date) — worth up to $5 million in coverage per insured person.
  • Preferred rates: 20.99% for purchases, 22.99% for cash advances.
  • To be eligible, $150,000 (individual) or $200,000 (household) annual income is required. You must be a Canadian resident who has reached the age of majority in your province or territory and who hasn’t made a bankruptcy claim in the last seven years.

CIBC Aventura® Visa Infinite Privilege* Card

CIBC Aventura® Visa Infinite Privilege* Card
  • Annual Fee
    $499
  • Interest Rates
    20.99% / 22.99%
  • Rewards Rate
    1.25x-3x Points
  • Intro Offer
    Up to 60,000 Points
Our Take
Why we like it

A metal credit card equipped with all the bells and whistles of a high-end travel card: accelerated points on travel spending, air fare redemption options, airport lounge access and more.

Pros
  • Six complimentary airport lounge visits, two NEXUS application fee rebates every four years, and a $200 annual travel credit.
  • Comprehensive travel insurance includes $5 million of out-of-province emergency travel medical coverage — 31-days for ages 65 and younger, and up to 10-days for ages 65 or older. You don’t even have to charge your trip to the card.
  • Flexible redemption options with points that never expire.


Cons
  • Steep $499 annual fee.
  • High annual income requirement of $150,000 per individual or $200,000 per household.
Product Details
  • Welcome offer: Get a total of up to 60,000 Aventura Points (up to $1,200 in travel value) during the first year: 30,000 Aventura Points when cardholders spend $3,000 or more in the first 4 monthly statement periods; 30,000 Aventura Points when cardholders spend $2,000 or more each monthly statement during the first year.
  • Effective July 1, 2022: Receive 6 complimentary visits at 1,200+ lounges globally through Visa Airport Companion Program: over $250 value. Get a $200 annual Travel Credit. Plus, get a NEXUS™ Application Fee rebate: a $100 value.
  • Earn 3 points for every $1 spent on travel purchased through the CIBC Rewards Centre.
  • Earn 2 points for every $1 spent on eligible dining, entertainment, transportation, gas and groceries.
  • Earn 1.25 points for every $1 spent on all other purchases.
  • Earn 1.25 Aventura Points for every $4.00 spent on a CIBC Global Money Transfer™. There are no transaction fees and no interest charged as long as the balance is paid by the payment due date.
  • Redeem points for airline tickets, merchandise, gift cards and more.
  • Apply points toward a CIBC Aventura credit card balance or select CIBC financial products.
  • $499 annual fee.
  • Unwind at the airport in a relaxing lounge with 6 complimentary visits at 1,200+ lounges globally through Visa Airport Companion Program. Speed up border crossings with 2 NEXUS application fee rebates every 4 years.
  • Access business class bookings exclusive to this card for a future getaway.
  • Enjoy dedicated taxi and limo services, exclusive dining and wine experiences, VIP benefits at luxury hotels and more with Visa Infinite Privilege.
  • Get up to 25% off auto rentals at participating Avis® and Budget® locations worldwide when you pay with your Aventura card.
  • Link a Journie Rewards card to save on every fill-up at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.
  • Preferred rates: 20.99% for purchases, 22.99% for cash advances (21.99% for cash advances if you live in Quebec).
  • To be eligible, $150,000 (individual) or $200,000 (household) annual income is required. Also, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.

BMO eclipse Visa Infinite Privilege Card

BMO eclipse Visa Infinite Privilege Card
  • Annual Fee
    $499
  • Interest Rates
    20.99% / 23.99%
  • Rewards Rate
    1x-5x Points
  • Intro Offer
    Up to 90,000 Points
Our Take
Why we like it

The BMO eclipse Visa Infinite Privilege is an impressive metal credit card that boasts a generous intro offer and competitive rewards rates on popular daily spending categories.

Pros
  • Spoil yourself with a $200 annual lifestyle credit.
  • Earn 25% more points on all purchases when you add an authorized user to your account.


Cons
  • Accelerated earn rates are limited to a $100,000 annual spend across all categories.
Product Details
  • 5x on travel, grocery, dining, drugstore and gas (up to $100,000 annual spend).
  • 1x on everything else.
  • Earn 25% more points on all purchases when you add an authorized user to your account.
  • Pay with points or redeem BMO Rewards points on travel, merchandise, experiences, cash, BMO Savings or Investment account credits, and more. Points do not expire.
  • $499 annual fee.
  • Score a $200 annual lifestyle credit to use however you want.
  • Access to a Visa Airport Companion membership and 6 complimentary airport lounge visits per year – valued at more than $250 USD.
  • Visa Infinite Privilege benefits, including the Visa Infinite Luxury Hotel Collection, Visa Infinite Privilege Concierge, Visa Infinite Dining Series and Visa Infinite Wine Country.
  • Troon Rewards® Golf benefits, like discounts at over 95 resorts and courses around the world plus access to select private clubs across the U.S.
  • Robust insurance offerings, including mobile device insurance and a full suite of travel insurance.
  • Preferred rates: 20.99% for purchases, 23.99% for cash advances.
  • To be eligible, $150,000 (individual) or $200,000 (household) annual income is required. Also, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.
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Methodology

NerdWallet Canada selects the best metal credit cards based on overall consumer value and their suitability for specific kinds of consumers. Factors in our evaluation include annual and other fees, rewards rates, the earning structure (for example, flat-rate rewards versus bonus categories), redemption options, bonus offers for new cardholders, introductory and ongoing APRs, and other noteworthy features such as airline or hotel perks or the ability to transfer points. Only credit cards explicitly available in metal were considered for this list.

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    What to know about metal credit cards

    By Shannon Terrell

    Metal credit cards blend functionality and sophistication to offer an elevated cardholder experience for those who qualify. But what else separates metal cards from their traditional counterparts? Beyond a showy exterior, you’ll want to consider eligibility criteria, fees and card rewards before you apply.

    What is a metal credit card?

    Metal credit cards are typically made of titanium or stainless steel. Like traditional credit cards, they have credit limits, charge interest on unpaid balances and offer perks, like rewards points and insurance coverage.

    So, what separates metal credit cards from regular credit cards beyond a gleaming, weighted exterior? Some metal cards impose steep income requirements in exchange for premium perks.

    How to get a metal credit card

    The application process for metal credit cards differs by the issuer or provider, but generally, here’s what to expect from the process:

    1. Explore card options. Narrow your search by comparing card features, fees, interest rates and rewards.
    2. Check eligibility criteria. Review any eligibility criteria and consider your credit score. You can check your credit score for free through Equifax or TransUnion.
    3. Complete application. Fill out an application online or in person and wait to find out if you’ve been approved.

    Eligibility for metal credit cards in Canada

    Make sure you’re eligible before you apply for a credit card. Metal credit cards typically impose the following eligibility requirements:

    Beyond the criteria above, some metal credit cards may also require applicants to meet annual income requirements — typically around $150,000 for an individual or $200,000 for a household.

    Metal debit cards in Canada

    Credit cards aren’t the only card in Canada to receive a metallic makeover. Metal debit cards are also available, though you can’t get one through any of the Big Six Banks as of this writing.

    To get a metal debit card, you must order one through a third-party provider specializing in converting debit cards from plastic to metal.

    Custom metal cards

    You can order a custom metal credit or debit card from a third-party provider. But before you place an order, vet the company you’re interested in by exploring customer feedback on the Better Business Bureau, Trustpilot and Google reviews.

    Ordering a custom metal card has little in common with the traditional credit card application process. Here’s how it typically works:

    1. Select and purchase a card design from the provider’s website.
    2. Mail your plastic debit or credit card to the provider.
    3. Receive your new metal card and old plastic card by mail.
    Custom metal card drawbacks

    Ordering a custom card from a third-party provider could carry risks and drawbacks. Consider the following before you place an order:

    • Limited use. You may not be able to use your metal card at ATMs or in other circumstances that require full card insertion into a card reader. This could limit your ability to perform certain transactions.
    • No tap and pay. You may not be able to use your custom card for tap and pay, or NFC, payments.
    • Mailing your bank card is risky. Custom metal card providers typically need your plastic card in hand to complete the order. Sending a bank card by mail could expose you to credit card fraud and identity theft.

    Who offers metal credit cards?

    Getting a metal credit card from a reputable and well-established financial institution carries fewer risks than ordering one online from a third-party provider — but you’ll need to meet eligibility requirements.

    Banks with metal cards

    The following card issuers and banks offer metal credit cards:

    Metal Visa cards in Canada

    There are four metal Visa credit cards available through Canadian financial institutions:

    Amex metal cards

    There are five metal American Express credit cards available to Canadians:

    In addition, the prestigious American Express Centurion “black card” is an ultra-exclusive titanium charge card that’s available by invitation only.

    Metal Mastercards

    As of this writing, there is only one metal Mastercard available in Canada:

    • HSBC Jade World Elite Mastercard.

    Limited edition metal cards

    From time to time, issuers will offer special edition metal cards. Popular options no longer available include:

    • Wealthsimple Cash Visa Card was available in tungsten metal during a limited edition offer.
    • KOHO offered limited edition prepaid metal cards in gold and pink.

    How to dispose of a metal card

    If you no longer want to use your metal card, you can mail the card back to your provider, return it in person to a bank branch or destroy it at home with a pair of metal snips or shears.

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    Frequently asked questions about metal credit cards

    Are metal credit cards better than regular cards?

    Not necessarily. Metal credit cards offer many of the same benefits as traditional credit cards. However, some have stricter eligibility criteria and higher fees in exchange for premium perks like accelerated rewards points, premium travel benefits and rental vehicle discounts.

    Can you convert a plastic card to metal?

    Yes. Custom card providers convert plastic credit cards to metal cards for a fee. Customers send their plastic credit cards by mail, and a custom metal card is created from the plastic card with identical account information.

    About the Author

    Shannon Terrell

    Shannon Terrell is a lead writer and spokesperson for NerdWallet, where she writes about a variety of personal finance topics. Previously, she was a writer, editor and video host for financial comparison company, Finder. Shannon has appeared as a financial expert on CP24 and has been quoted in numerous publications, including Yahoo! Finance and Black Enterprise. She holds a bachelor’s degree in communications and English literature from the University of Toronto Mississauga. She’s also a published author whose work has been featured in academic journals from the University of Toronto. Shannon is based in Brampton, Ontario.

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