Menu Toggle
Search
  1. Home
  2. Credit Cards
  3. 9 Best Metal Credit Cards in Canada for 2024
Published June 4, 2024

9 Best Metal Credit Cards in Canada for 2024

Metal credit cards — typically made of titanium or stainless steel — blend functionality and sophistication to offer an elevated cardholder experience for those who qualify.

Written By

Edited By

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.

Best metal credit cards in Canada

Best overall metal credit card

American Express® Aeroplan® Reserve Card


$599

21.99% / 21.99%

1.25x-3x Points

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 60,000 Aeroplan points after spending $7,500 in purchases on your Card within the first 3 months.
  • Plus, earn an additional 25,000 Aeroplan points when you spend $2,500 in purchases in month 13.
  • That’s up to $2,600 or more in value when you combine your welcome bonus points and card benefits.
  • New Offer: Cardmembers can now get an extra night free for every 3 consecutive hotel nights redeemed with Aeroplan points. Offer ends December 31, 2024.
  • Highest Air Canada earn rate on an Aeroplan payment card in Canada: 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 and 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.
  • 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.
  • 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.
  • Insurance Coverage: whether you’re shopping nearby or travelling abroad, you can feel confident knowing you can be taken care of.
  • 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. If you apply and get approved for an American Express Card, NerdWallet may receive compensation from American Express, which can be in the form of monetary payment.

Best for: Businesses that travel

American Express® Aeroplan®* Business Reserve Card


$599

21.99% / 21.99%

1.25x-3x Points

Up to 90,000 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 24.99% if you miss a payment.
Product Details
  • Earn up to 90,000 Welcome Bonus Aeroplan®* points.
  • Earn 65,000 Aeroplan points after spending $10,500 in purchases on your Card within the first 3 months.
  • Plus, earn an additional 25,000 Aeroplan points when you spend $3,500 in purchases in month 13.
  • 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®*, 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 Employee 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.
  • Unlock two-car-class rental upgrades, expedited service, dedicated phone line, and more with complimentary upgrade to Avis President’s Club.
  • 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. If you apply and get approved for an American Express Card, NerdWallet may receive compensation from American Express, which can be in the form of monetary payment.

Best for: Luxurious perks

The Platinum Card® from American Express


$799

Varies

1x-2x Points

Up to 100,000 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 $799 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 100,000 Membership Rewards® points – that’s up to $1,000 towards a weekend away.
  • New Platinum® Cardmembers, earn 70,000 Welcome Bonus points after you charge $10,000 in net purchases to your Card in your first 3 months of Cardmembership.
  • Plus, earn 30,000 points when you make a purchase between 14 and 17 months of Cardmembership.
  • Earn 2 points for every $1 in Card purchases on eligible dining and food delivery in Canada, 2points for every $1 in Card purchases on eligible travel, and 1 point for every $1 in all other Card purchases.
  • Access a $200 Annual Travel Credit through American Express Travel Online or Platinum® Card Travel Service.
  • Enjoy a $200 Annual Dining Credit at some of Canada’s best restaurants.
  • Unlock $200 or more in additional value with Member extras. You can earn statement credits for qualifying purchases with participating brands.
  • 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 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 $600 USD at over 1,500 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.
  • You will also have access to many leading hotel and car rental companies’ loyalty programs. Our partners include Marriott International, Hilton Hotels and Resorts, 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. If you apply and get approved for an American Express Card, NerdWallet may receive compensation from American Express, which can be in the form of monetary payment.

Best for: Businesses

Business Platinum Card® from American Express


$799

Varies

1.25x Points

Up to 120,000 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
  • Redefine what you’ll experience and discover with Platinum.
  • Earn up to 120,000 bonus Membership Rewards® points.
  • Earn 80,000 Membership Rewards® points after you charge $15,000 in net purchases to your Card in your first 3 months of Cardmembership.
  • Plus, earn 40,000 points when you make a purchase between 14 and 17 months of Cardmembership.
  • That’s up to $1,200 in statement credit 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.
  • Bolster your business with up to $820 in annual business and travel statement credits.
  • Enroll your eligible Card and earn up to $500 in business statement credits on qualifying purchases with Dell and Indeed.
  • Enroll and earn up to $120 in eligible Wireless Credits each year.
  • Access a $200 Annual Travel Credit each year of your Cardmembership.
  • Unlock spending power and payment flexibility 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 the account is opened. The Preferred rate of 21.99% applies to your Flexible Payment Option balance. If you have 2 separate Missed Payments in a 12 month period, the Flexible Payment Option rate for your account will be 25.99%. If you have 3 or more separate Missed Payments in a 12 month period, the Flexible Payment Option rate will be 28.99%. These rates are effective from the day the Flexible Payment Option is first available on your account.
  • Extend payment solutions with Supplementary Cards for your employees.
  • Enjoy special 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.
  • Enjoy complimentary benefits that offer an average total value of $600 USD* at over 1,500 extraordinary properties worldwide when you book Fine Hotels + Resorts.
  • Access a $100 CAD credit for NEXUS every 4 years with your Cardmembership.
  • 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. If you apply and get approved for an American Express Card, NerdWallet may receive compensation from American Express, which can be in the form of monetary payment.

Best for: Travellers

American Express® Gold Rewards Card


$250

21.99% / 21.99%

1x-2x Points

Up to 60,000 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 60,000-point intro offer is equivalent to $600 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 60,000 Membership Rewards® points:
  • New American Express® Gold Rewards Cardmembers, earn 5,000 Membership Rewards® points for each monthly billing period in which you spend $1,000 in net purchases on your Card.
  • This could add up to 60,000 points in a year. That’s up to $600 towards your next vacation.
  • 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 21.99% and funds advances is 21.99%. If you have Missed Payments, the applicable rates for your account will be 25.99% and/or 28.99%. 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.

Best for: BMO rewards

BMO eclipse Visa Infinite Privilege* Card


$499

20.99% / 23.99%

1x-5x Points

Up to 120,000 Points
Our Take
Why we like it

The BMO eclipse Visa Infinite Privilege* Card 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
  • Welcome offer: Get up to 120,000 points.*
  • Earn 5x the BMO Rewards points on groceries, dining, drugstore purchases, gas and travel.*
  • Get 1 BMO Reward for every $1 spent on everything else.*
  • Get a $200 annual lifestyle credit to spend however you want.*
  • Mobile Device Insurance that covers you for up to $1,000.*
  • Earn 25% more points when you add an authorized user to your account.*
  • Pay with Points by browsing your recent transactions & redeem your points for as little as $1.
  • Enjoy a Visa Airport Companion membership and 6 complimentary airport lounge visits per year – valued at more than $250 USD.*
  • Airport experiences along with Priority Security Lane, airport parking and valet service discounts at select Canadian airports.*
  • Enjoy the Visa Infinite Dining Series and Visa Infinite Wine Country.*
  • *Terms and conditions apply.
  • BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information.

Best for: Aeroplan rewards

TD® Aeroplan® Visa Infinite Privilege* Credit Card


$599

20.99% / 22.99%

1.25x-2x Points

Up to 75,000 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
  • Complimentary Visa Airport Companion membership with six airport lounge visits included each year.
  • Tons of airport perks, including priority check-ins, boarding, baggage handling, airport upgrades, and airport standby.


Cons
  • Substantial annual fee.
Product Details
  • Earn up to $2,700 in value† including up to 75,000 Aeroplan points (enough for a round trip to Honolulu†) and additional travel benefits. Conditions Apply. Account must be approved by September 3, 2024.
  • Earn a welcome bonus of 20,000 Aeroplan points when you make your first purchase with your new card†.
  • Earn an additional 25,000 Aeroplan points when you spend $12,000 within 180 days of Account opening†.
  • Plus, earn a one-time anniversary bonus of 30,000 Aeroplan points when you spend $24,000 within 12 months of Account opening†.
  • 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.
  • Enroll for NEXUS and once every 48 months get an application fee rebate†.
  • Share first free checked bags with up to 8 travel companions†, and get unlimited access to Maple Leaf Lounges† including complementary access for one guest.
  • Plus, primary cardholders get 6 complimentary worldwide select airport lounge visits annually through the Visa Airport Companion Program†.
  • Get an annual round-trip companion pass from $99 (plus taxes, fees, charges and surcharges)†.
  • Get access to Priority Airport Services† like Priority Boarding, Priority Baggage Handling, and Priority Airport Standby & Priority Airport Upgrades†.
  • 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.
  • 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.

Best for: Travel insurance

CIBC Aeroplan® Visa Infinite Privilege Card


$599

20.99% / 22.99%

1.25x-2x Points

Up to 110,000 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
  • Get up to 110,000 Points: You’ll receive 20,000 Aeroplan points when you make your first purchase, another 30,000 points if you spend $6,000 or more during your first four monthly statement periods, and 60,000 more points as an additional anniversary bonus if you have at least $25,000 in net eligible purchases posted on your account during the first 12 monthly statement periods. 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, electric vehicle charging, 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.

Best for: Aventura rewards

CIBC Aventura® Visa Infinite Privilege* Card


$499

20.99% / 22.99%

1.25x-3x Points

Up to 80,000 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
  • Earn 25,000 Aventura Points when you spend $3,000 or more in the first 4 monthly statement periods. Earn 25,000 Aventura Points when you spend $6,000 or more in the first 4 monthly statement periods. Earn 30,000 Aventura Points as an additional anniversary bonus.
  • 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, electric vehicle charging, 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.
Back to Top

Methodology: How we evaluate cards

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.

    Summary of best metal credit cards

    CARD NAMEBEST METAL CARD FORANNUAL FEEINTRO OFFER
    The Platinum Card® from American Express.Best for: Luxurious perks.$799.Up to 100,000 Points.
    Business Platinum Card® from American Express.Best for: Businesses.$799.Up to 120,000 Points.
    American Express® Aeroplan®* Reserve Card.Best overall metal card.$599.Up to 85,000 Points.
    American Express® Aeroplan®* Business Reserve Card.Best for: Businesses that travel.$599.Up to 90,000 Points.
    American Express® Gold Rewards Card.Best for: Travellers.$250.Up to 60,000 Points.
    CIBC Aventura® Visa Infinite Privilege* Card.Best for: Aventura rewards.$499.Up to 80,000 Points.
    CIBC Aeroplan® Visa Infinite Privilege Card.Best for: Travel insurance.$599.Up to 110,000 Points.
    TD® Aeroplan® Visa Infinite Privilege* Credit Card.Best for: Aeroplan rewards.$599.Up to 75,000 Points.
    BMO eclipse Visa Infinite Privilege* Card.Best for: BMO rewards.$499.Up to 120,000 Points.

    What to know about metal credit cards

    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:

    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 are no metal Mastercards available in Canada. Previously, HSBC offered the HSBC Jade World Elite Mastercard, but it no longer exists due to RBC’s acquisition of HSBC.

    Limited edition metal cards

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

    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.

    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.

    DIVE EVEN DEEPER

    22 Best Credit Cards in Canada for June 2024

    22 Best Credit Cards in Canada for June 2024

    NerdWallet Canada’s picks for the best credit cards include top contenders across numerous card categories. Compare these options to find the ideal card for you.

    Credit Card Interest Calculator

    Credit Card Interest Calculator

    Interest charges don’t need to be a mystery. Use our credit card interest calculator to see how much interest you’d owe if you carry a credit card balance.

    Black Credit Cards in Canada: What They Are, How to Get One

    Black Credit Cards in Canada: What They Are, How to Get One

    Black credit cards are exclusive and may be available on an invitation-only basis. Black credit cards tend to have high fees and spending requirements.

    3 Reasons to Get a Metal Credit Card (That Have Nothing to do With Looks)

    3 Reasons to Get a Metal Credit Card (That Have Nothing to do With Looks)

    Flash a metal credit card at the checkout and you’re sure to turn heads. But there’s more to these gleaming cards than meets the eye.

    Back To Top