Best Metal Credit Cards in Canada for 2025
Love the heft, hate the hype? We cut through the shine to show which metal cards actually deliver — and what they’ll cost you. To choose the best metal card, weigh eligibility, annual fees and rewards before you apply.
Best metal credit cards in Canada
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BACK TO TOPNote: We only list cards available to Canadian residents and confirmed or widely documented as metal by issuers or reputable sources.
What to know about metal credit cards
Metal = look/feel.
Perks come from the product tier, not the metal.
Costs can be high.
Premium benefits often mean higher fees and income requirements.
Eligibility matters.
Most require good-to-excellent credit (typically 660+) and many Visa Infinite Privilege cards require $150,000+ income.
What is a metal credit card?
A metal credit card uses a metal body (often stainless steel or titanium). Functionally, it works like any other credit card; the “premium” comes from the product’s benefits, not the material.
Many metal cards sit in premium tiers that add lounge access, status and credits — with higher fees and, at times, income requirements.
Metal prepaid and debit-style cards in Canada
Credit cards aren’t the only card in Canada to receive a metallic makeover. While Big Six banks don’t currently market metal debit cards, you can also get metal prepaid cards from fintechs (like the Crypto.com Visa) — but these are not credit cards and won’t build credit by default.
However, KOHO offers prepaid cards with add-on credit-building features. KOHO currently has a waitlist for members who want to switch from plastic to a new metal version.
Custom metal cards
Third-party “conversion” services exist, but proceed cautiously: vet reviews and understand you may violate card terms or lose features (for instance, contactless may not work reliably).
Common drawbacks of custom metal cards include:
Potential functionality issues (ATMs, contactless).
Mailing your card carries fraud risk.
Some issuers may void or refuse support for altered cards.
If you decide you want one, and have properly vetted the company, the typical process to order:
Select a design
Mail your card,
Receive a replaced metal body with your original chip.
How to get a metal credit card
The process mirrors any card application and varies by issuer, but generally:
Compare options: weigh up perks, fees, rates, insurance.
Check eligibility: good credit helps (make sure to check your credit score) and verify any income rules.
Apply: online or in-branch (depending on the card) and wait for approval.
Eligibility for metal credit cards in Canada
Typical requirements include:
Canadian resident with sufficient credit history.
Age of majority in your province or territory.
A credit score of at least 660.
Your annual income also usually matters. For Visa Infinite Privilege cards, for example, income is often $150,000 (personal) or $200,000 (household).
Who offers metal credit cards?
You’ll mostly find metal cards at premium tiers from major issuers, but eligibility can be strict. Here’s a look at the options by network:
Metal Visas
There are four widely available metal Visa credit cards:
BMO eclipse Visa Infinite Privilege* Card.
CIBC Aventura® Visa Infinite Privilege* Card.
Metal American Express cards
There are five metal American Express cards available to Canadians:
American Express® Aeroplan®* Business Reserve Card.
American Express® Gold Rewards Card.
In addition, the American Express Centurion “black card” is an ultra-exclusive titanium charge card that’s available by invitation only.
Metal Mastercards
As of this writing, no mainstream credit Mastercards in metal are currently marketed in Canada. HSBC’s metal Jade World Elite Mastercard ended with RBC’s acquisition and product migration.
However, KOHO does offer a prepaid metal Mastercard.
Frequently asked questions
Are metal credit cards better than regular cards?
Are metal credit cards better than regular cards?
Not by default. Benefits depend on the product tier; metal is mostly aesthetic. Premium metal cards often layer on lounge access, credits and insurance — with higher fees and, at times, income requirements.
Can you convert a plastic card to metal?
Can you convert a plastic card to metal?
Technically, yes — but it’s risky. Third-party conversions can break contactless payments or ATM functionality and may violate your card’s terms. Whenever possible, get a factory-issued metal card instead.
How do I dispose of a metal card?
How do I dispose of a metal card?
The best practice is to return metal cards to the issuer, as many provide prepaid envelopes, Or, you can bring the card to a branch. DIY destruction requires proper tools — don’t throw metal cards in household recycling.
Who should skip a metal credit card?
Who should skip a metal credit card?
Occasional travellers, low spenders who won’t offset the fee, and anyone carrying a balance.
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Shannon Terrell