
NerdWallet’s Best Metal Credit Cards
Yes, they're easy on the eyes, but these metal cards boast form and function. You'll get bragging rights, but you'll also get rich rewards and valuable perks. Move over, statement jewelry.

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Whether you're a beginner looking for your first card, a multicard maximizer looking for your next one, or someone in between just looking for clarity, NerdWallet has content and resources to point you in the right direction.
Using the right rewards credit card at the popular wholesale club can help you rack up extra cash back or points, and potentially save you even more money.

More than a dozen American Express cards earn these versatile points. They’re most valuable when used for travel.

The right AmEx card for you depends on whether you prefer cash back, travel, luxury perks or something else.

It offers increased cash back for Apple Pay users, enhanced security and instant rewards with no fees.

Chase Freedom and Freedom Flex offer 5% cash back on up to $1,500 spent per quarter in categories you activate.

This no-annual-fee card offers robust rewards on food and fun — whether that means a night out on the town or a home-cooked meal and streaming a movie — plus other perks.

Aim to pay your credit card by the due date. But if you're looking to boost your credit scores or reduce interest costs, consider paying earlier.

If you know your options and ask the right questions, you can find the best fit for your spending habits and goals.

The answer is yes — but it might not be straightforward or advisable. Consider the potential costs and drawbacks first.

It earns high rewards on gas, restaurant and travel spending. And there's no annual fee beyond a yearly Costco membership.

Just as there are endless selections at the site, Amazon offers many credit cards across several issuers, each with different features. Here's a breakdown.

The elevated offer comes on the heels of other changes to the card.

Generally, no. The best balance transfer cards require at least good credit. But other debt payoff tools can also be effective and don’t always have a credit score requirement.

The process is fairly simple, but it's neither automatic nor instant. Here's what to do once you have a balance transfer card ready to go.

The Simplicity offers a longer 0% intro APR period on purchases, while the Diamond Preferred has a lengthier balance transfer offer.

The card has a lengthy list of valuable perks for the right customer, though many of them will require some planning and effort to use.

The Sapphire Reserve is an extremely high-maintenance card. If you prefer a simpler experience that still offers excellent value, choose the Venture X.

For casual and heavy travelers alike, the Chase Sapphire Preferred is a better all-around package.

Flying Blue miles can be valuable for travelers, but earning them from general travel cards can make more sense.

Delta Air Lines and American Express offer 4 cards, ranging from a bare-bones version with no annual fee to a $650-a-year card packed with perks.

It's a close call, but the Chase Sapphire Preferred can offer more value and flexibility.

NerdWallet's Credit Cards content team includes writers and editors with more than 80 years of experience in personal finance and journalism. They've researched and reviewed more than 400 products across the full spectrum of credit cards, from starter cards for beginners to ultra-premium cards for VIP travelers.

The Galaxy ecosystem's answer to the Apple Card offers 5% at Samsung, 3% on Samsung Wallet purchases and 2% on streaming.


No score is a guarantee of approval because scores aren't the only factor that card issuers consider. But NerdWallet's real application data can help you assess your chances.


Credit card marketing contains a lot of fluff. Pay attention to what features really matter, and ignore the stuff you’d get with any card.


There’s no minimum credit score that guarantees credit card approval. But NerdWallet’s real application data can help tell a clearer story, and help you know where you stand.




Vet, dental and cosmetic procedures can cost thousands. CareCredit can help make them manageable.


These solutions can help you get care today and pay over time




Wyndham’s most premium hotel credit card has a pricey annual fee, but valuable perks can easily offset the cost.


It can help you finance expensive music equipment from the store, but beyond that, don't expect much of an encore.


It can earn up to 3% back across popular everyday categories. But the limits on that rate are strict, as are the card's eligibility requirements.




Rewards categories are shifting and welcome bonuses are higher — but some annual fees are bigger, too.






The elevated offer comes on the heels of other changes to the card.


New bonus categories and additional credits make it easier to offset the card's annual fee, which didn't change.






