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Home>>Credit Card – Know Everything About Credit Cards! Metal Credit Card: What’s the Difference, Types, Benefits and Use? Metal Credit Cards by American Express

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Introduction

American Express provides metal credit cards that offer superior rewards programs to high-spending business professionals and frequent travelers seeking luxury benefits. Premium American Express cards deliver access to airport lounges with hotel elite privileges, dining rewards, and travel credit benefits that attract users from regular travelers to those seeking elite service.

The best American Express metal credit card for you depends on your spending patterns and personal lifestyle. The Platinum Card targets luxury travelers, the Gold Card presents benefits for dining enthusiasts, and the Centurion Card provides premium benefits for elites. Additionally, this guide presents an analysis of American Express metal credit cards to provide side-by-side comparisons of their benefits, rewards, requirements, and annual fees so readers can choose the ideal card for their situation.

Summary Table (TLDR)

Top 8 Metal Credit Cards by American Express for [2025]

S. N.Name of Reward Credit CardBest Feature/ Known For
1The Platinum Card® from American ExpressLuxury travel perks, airport lounge access, and premium rewards
2American Express® Gold CardExceptional dining and supermarket rewards
3The Platinum Card® for Charles SchwabInvestment rewards and Schwab account benefits
4The Platinum Card® for Morgan StanleyExclusive Morgan Stanley Benefits and wealth perks
5The Business Platinum Card® from American ExpressBusiness travel rewards, airport lounge access, and expense management tools
6American Express Centurion® CardUltra-exclusive Status, luxury travel, and elite concierge services
7Marriott Bonvoy Brilliant® American Express® CardPremium Hotel rewards, Marriott Bonvoy elite status, and travel benefits
8Delta SkyMiles® Platinum Business American Express CardAirline rewards, priority boarding, and free checked bags for business travelers

Best Metal Credit Cards By American Express for [March 2025]

The Platinum Card® by American Express is a symbol of prestige and luxury, offering premium travel benefits, lounge access, and elite hotel status. With a sleek metal design, it caters to high-spending professionals and frequent travelers seeking exclusive rewards. Explore its top features, perks, and how it compares to other elite cards.

1. The Platinum Card® from American Express

The Platinum Card® by American Express is a metal credit card that symbolizes prestige and exclusivity. Its strong metal build complements its superior travel perks, such as access to Centurion Lounges, Hilton and Marriott elite status, and annual statement credits. As such, it’s a status symbol of premium membership and luxury travel benefits.

A sleek, silver metal Platinum Card® from American Express, offering premium travel rewards and luxury benefits

Luxury Travel

  • Issuer – American Express
  • Payment Gateway – AMEX
  • Credit Score – Excellent
  • Intro APR – N/A
  • Regular APR – 21.24%–29.24%
  • Annual Fee – $695
  • International Transaction Fee – No Foreign Transaction Fee
  • Cash Advance Fee – Cash advance of 5% or $10
  • Balance Transfer APR – N/A
  • Sign-up Bonus – 80,000 Membership Rewards points after $8,000 spent in 6 months
  • Best For – Professionals, Frequent Travelers

The Platinum Card® from Amex, issued by American Express, offers unparalleled travel benefits, including airport lounge access and hotel upgrades. Its best feature is the no pre-set spending limit, providing flexibility and exclusive experiences.

The card’s annual fee is $695 plus applicable taxes. Unique features include access to the American Express Global Lounge Collection and a renewal benefit worth up to ₹35,000. The required credit score is 750+. The referral program offers additional Membership Rewards points.

Key FeaturesReward RateOther Information
Travel Rewards5x points on flights booked via Amex TravelAnnual statement credits (Uber, Saks, etc.)
Luxury Benefits5x points on prepaid hotels booked via Amex TravelFine Hotels & Resorts benefits
5X points on flights & hotels booked via Amex TravelNo preset spending limit
Global Lounge Collection Access

Pros & Cons:

Pros

  1. Extensive travel perks & lounge access
  2. Premium customer service & concierge
  3. High-value statement credits.

Cons

  1. High spending requirement for the welcome bonus
  2. Not widely accepted outside the U.S.
  3. Limited non-travel benefits.

Expert Advice

This card is best for heavy travelers who take full advantage of its lounge access, airline fee credits, and hotel perks. To make the high annual fee worth it, use it for flights, hotels, and high-end experiences. Its 5X points on airfare and hotel reservations make it best for those who value travel rewards.

2. American Express® Gold Card 

The American Express Gold Card combines style and functionality with its slim metal design, representing upscale dining and lifestyle benefits. In contrast to standard cards, its metal construction adds to its allure, appealing to those who value a combination of luxury and functionality while earning high rewards on groceries and dining.

Dining and Travel Rewards

  • Issuer – American Express
  • Payment Gateway – AMEX
  • Credit Score – Good-Excellent
  • Intro APR – N/A
  • Regular APR – 21.24%–29.24%
  • Annual Fee – $250
  • International Transaction Fee – No Foreign Transaction Fee
  • Cash Advance Fee – 5% or $10
  • Balance Transfer APR – N/A
  • Sign-up Bonus – 60,000 Membership Rewards points after $4,000 spent in 6 months
  • Best For – Food Enthusiasts, Frequent Travelers
A stylish, gold-colored metal American Express® Gold Card, designed for dining and travel enthusiasts

The American Express® Gold Card, issued by American Express, provides generous rewards on everyday purchases, including dining and travel. Its best feature is the Membership Rewards program, offering valuable points for various expenses.

The card’s annual fee is $325 plus applicable taxes. Its unique features include no pre-set spending limit and access to the Gold Collection rewards. The required credit score is 700+. The referral program offers bonus Membership Rewards points.

Key FeaturesReward RateOther Information
Dining Rewards4x points on dining at restaurants$120 dining credit annually
Travel Rewards3x points on flights booked directly with airlinesHigh point redemption value
No foreign transaction fees

Pros & Cons:

Pros

  1. One of the best cards for dining & groceries
  2. Strong travel redemption value
  3. No preset spending limit.

Cons

  1. Travel perks are not as strong as Platinum
  2. Limited statement credits
  3. No lounge access.

Expert Advice

This card is ideal for foodies and daily spenders. To earn maximum rewards, use it at restaurants, grocery stores, and takeout orders, earning 4X points. Pair it with the Platinum Card® for travel benefits to have a balanced American Express membership experience with high-value redemptions.

3. The Platinum Card® for Charles Schwab

Designed exclusively for Charles Schwab clients, this metal credit card represents both financial strength and investment-focused rewards. Its premium metal construction enhances its elite status, offering benefits like travel credits, concierge services, and airport lounge access, making it a powerful tool for high-net-worth individuals.

The Platinum Card® for Charles Schwab, a silver metal card providing exclusive financial and travel benefits

Investment and Travel Rewards

  • Issuer – American Express
  • Payment Gateway – AMEX
  • Credit Score – Excellent
  • Intro APR – N/A
  • Regular APR – 21.24% – 29.24%
  • Annual Fee – $695
  • International Transaction Fee – 0%
  • Cash Advance Fee – 5% or $10
  • Balance Transfer APR – N/A
  • Sign-up Bonus – 80,000 Membership Rewards points after spending $8,000 in the first 6 months
  • Best For – Investors, High Spenders

Tailored for Charles Schwab clients, this card allows for flexible point redemption into brokerage accounts. It provides luxury travel benefits and concierge services. Requires a Charles Schwab account and excellent credit.

With a $695 annual fee, users get financial perks like statement credits, no preset credit limit, and attractive Schwab cash-back conversion rates. High-tier card benefits apply, including premium travel rewards.

Key FeaturesReward RateOther Information
Investment Rewards5x points on flights via AMEX TravelFinancial advisory access
Travel Rewards5x points on prepaid hotels via AMEX TravelInvestment-focused perks
Lounge Access
Option to redeem points as deposits to Schwab

Pros & Cons:

Pros

  1. Great for Schwab clients who invest
  2. Cash-out option at a good value
  3. Premium travel benefits.

Cons

  1. Must be a Schwab account holder
  2. Requires high credit score
  3. Limited everyday spending benefits.

Expert Advice

This card is perfect for Schwab investors because it enables points to be redeemed as cash to be invested in accounts. If you value wealth accumulation and enjoy luxury travel rewards, this card provides a compelling blend of financial flexibility and elite rewards that maximize spending and investing potential.

4. The Platinum Card® for Morgan Stanley

A metal-only card for Morgan Stanley customers, this card is a symbol of prestige and financial strength. With heavy metal build matching its upscale rewards, such as airport clubs, gourmet dining credits, and concierge, it’s geared towards investors who want investment-driven rewards with top-tier travel benefits.

Investment and Travel Rewards

  • Issuer – American Express
  • Payment Gateway – AMEX
  • Credit Score – Excellent
  • Intro APR – N/A
  • Regular APR – 21.24% – 29.24%
  • Annual Fee – $695
  • International Transaction Fee – 0%
  • Cash Advance Fee – 5% or $10
  • Balance Transfer APR – N/A
  • Sign-up Bonus – 80,000 Membership Rewards points after spending $8,000 in the first 6 months
  • Best For – Investors, High Spenders
A sophisticated metal Platinum Card® for Morgan Stanley, offering elite travel and financial advantages

Offered exclusively to Morgan Stanley clients, this card provides premium travel rewards and concierge services. Holders must have a Morgan Stanley brokerage account and a high credit score.

The $695 annual fee unlocks airport lounge access, elite hotel status, and a unique annual Morgan Stanley statement credit. There is no fixed credit limit, and rewards can be applied to investment accounts.

Key FeaturesReward RateOther Information
Investment Rewards5x points on flights via AMEX TravelAbility to get an additional Platinum card for free
Travel Rewards5x points on prepaid hotels via AMEX TravelEnhanced financial services integration
Lounge AccessOffers a $695 credit annually for one authorized user
Similar perks to the Platinum Card
No present spending limit

Pros & Cons:

Pros

  1. Good for Morgan Stanley customers
  2. Strong travel benefits
  3. Free authorized user card.

Cons

  1. Requires Morgan Stanley account
  2. Limited appeal outside of banking clients
  3. High spending requirement for the bonus.

Expert Advice

Take advantage of this card to optimize travel rewards while tapping into Morgan Stanley’s financial rewards. Membership Rewards points can be redeemed for cash deposits in cardholders’ Morgan Stanley accounts, making it a good option for those who are financially inclined and want to combine investing with daily spending.

5. The Business Platinum Card® from American Express

Being a metal business credit card, take advantage of this card to optimize travel rewards while tapping into Morgan Stanley’s financial rewards. Membership Rewards points can be redeemed for cash deposits in cardholders’ Morgan Stanley accounts, making it a good option for those who are financially inclined and want to combine investing with daily spending.

A professional, silver metal Business Platinum Card® from American Express, tailored for business owners

Business Travel

  • Issuer – American Express
  • Payment Gateway – AMEX
  • Credit Score – Excellent
  • Intro APR – N/A
  • Regular APR – 19.24% – 27.24%
  • Annual Fee – $695
  • International Transaction Fee – 0%
  • Cash Advance Fee – 5% or $10
  • Balance Transfer APR – N/A
  • Sign-up Bonus – 80,000 points after $8,000 on eligible purchases within the first six months of card membership.
  • Best For – Business Owners, Frequent Travelers

Ideal for high-spending business owners, this card offers enhanced travel rewards and expense management tools. Qualification requires an excellent credit score and business financials.

The $695 annual fee covers benefits like 5x points on travel, $200 airline fee credits, and employee card options. No preset spending limit and a strong referral program enhance its value.

Key FeaturesReward RateOther Information
Business Travel5x points on flights and hotels via AMEX TravelFree WeWork membership
Lounge Access1.5x points on eligible business purchasesAccess to Dell, wireless, and travel credits
Expense Management
No preset spending limit
Includes Trip Delay & Cancellation Insurance

Pros & Cons:

Pros

  1. Best business travel perks
  2. High point redemption value
  3. Large signup bonus.

Cons

  1. Not ideal for low-spending businesses
  2. No cash-back option
  3. Less useful for non-travel purchases.

Expert Advice

It’s ideal for high-spending business travelers who fly a lot.  Max out benefits by using it for business travel, marketing, and technology spending, earning 5X points on flights, and getting luxury amenities that streamline business travel and make it more rewarding.

6. American Express Centurion® Card

The Centurion® Card, or the Black Card, is a metal credit card by invitation only for the most affluent. Its solid titanium construction represents peerless luxury, featuring personal concierge service, private jet privileges, and invitations to exclusive events, and thus the ultimate status symbol.

Ultimate Luxury & VIP Travel

  • Issuer – American Express
  • Payment Gateway – AMEX
  • Credit Score – Invite-only
  • Intro APR – N/A
  • Regular APR – N/A
  • Annual Fee – $5,000 (initiation) + $5,000 annual
  • International Transaction Fee – 0%
  • Cash Advance Fee – 5% or $10
    Balance Transfer APR – N/A
  • Sign-up Bonus – Invite-only
    Best For – Ultra-High Net Worth, Frequent Travelers
The prestigious black metal American Express Centurion® Card, known for its ultra-exclusive benefits

The most exclusive Amex card, the Centurion® Card, also known as the “Black Card,” is invitation-only and designed for ultra-high-net-worth individuals. It offers luxury travel perks, elite status with airlines and hotels, and a personal concierge.

With a reported $10,000 initiation fee and a $5,000 annual fee, it requires an excellent credit score and high annual spending. Perks include exclusive events, fine dining access, and a dedicated relationship manager.

Key FeaturesReward RateOther Information
Invitation-only elite cardUncapped rewards & elite conciergeComes with luxury hotel elite status
24/7 Centurion Concierge serviceTop-tier travel partnershipsPersonal shopper access at top retailers
VIP travel & lifestyle perks
No preset spending limit

Pros & Cons:

Pros

  1. Ultimate luxury & exclusivity
  2. Top-tier personalized service
  3. Unparalleled travel benefits.

Cons

  1. Invite-only & difficult to obtain
  2. High renewal costs.

Expert Advice

This card is for ultra-high-net-worth clients who expect top-tier concierge services and bespoke travel experiences. To get the most from it, take advantage of exclusive hotel partnerships, private reservations, and luxury travel upgrades, guaranteeing that each experience is ultra-premium.

7. Marriott Bonvoy Brilliant® American Express® Card

This metal credit card is ideal for frequent Marriott travelers, boasting a stylish look that keeps up with its luxury hotel perks. Its tough metal build gives the premium experience a boost while granting free elite status, annual complimentary nights, and increased rewards at Marriott hotels.

A premium, dark-colored metal Marriott Bonvoy Brilliant® American Express® Card for luxury hotel rewards

Hotel and Travel Perks

  • Issuer – American Express
  • Payment Gateway – AMEX
  • Credit Score – Excellent
  • Intro APR – N/A
  • Regular APR – 20.99% – 29.99%
  • Annual Fee – $650
  • International Transaction Fee – No Foreign Transaction Fees
  • Cash Advance Fee – 5% or $10
  • Balance Transfer APR – 20.99% – 29.99%
  • Sign-up Bonus – 95,000 Bonvoy points after spending $6,000 in 6 months
  • Best For – Frequent Travelers, Business Executives

This premium hotel rewards card is perfect for frequent Marriott Bonvoy guests, offering 6x points on Marriott purchases, automatic Platinum Elite status, and an annual free night worth up to 85,000 points. It’s designed for luxury travelers seeking top-tier hotel perks.

The card has a $650 annual fee and requires excellent credit (750+). Perks include up to $300 in dining credits, Priority Pass™ lounge access, and elite night credits to boost status.

Key FeaturesReward RateOther Information
Hotel Rewards6x points on Marriott purchasesFree night award (worth up to 85,000 points)
Travel Perks3x points on restaurants and flightsComplimentary Elite Night credits help with status
Luxury BenefitsComplimentary Elite Night credits help with status
Platinum Elite status with Marriott

Pros & Cons:

Pros

  1. Great for frequent Marriott travelers
  2. Free night benefit covers luxury stays
  3. Good travel protection.

Cons

  1. Not ideal for non-hotel travelers
  2. Requires high spending to maximize perks
  3. Limited airline rewards.

Expert Advice

If you often stay at Marriott hotels, this card is a necessity. Use it to earn high rewards on hotel reservations, enjoy room upgrades, late checkout, and travel credits, and maximize the annual free night award to cover the annual fee.

8. Delta SkyMiles® Platinum Business American Express Card

The Delta SkyMiles® Platinum Business Card is made of metal and is designed for frequent flyers on Delta, with a sophisticated, long-lasting construction that matches its high-end airline perks. With priority boarding, free checked bags, and status enhancements, it’s an elite option for business travelers who use Delta.

Business Travel

  • Issuer – American Express
  • Payment Gateway – AMEX
  • Credit Score – Good – Excellent
  • Intro APR – N/A
  • Regular APR – 20.99% – 29.99%
  • Annual Fee – $250
  • International Transaction Fee – No Foreign Transaction Fees
  • Cash Advance Fee – 5% or $10
  • Balance Transfer APR – 20.99% – 29.99%
  • Sign-up Bonus – 60,000 miles after spending $3,000 in 3 months
  • Best For – Business Owners, Frequent Travelers
A stylish silver metal Delta SkyMiles® Platinum Business American Express Card, perfect for frequent flyers

A business-friendly travel card, the Delta SkyMiles® Platinum Business Amex helps entrepreneurs earn 3x miles on Delta purchases and eligible hotels, plus 1.5x miles on large business purchases. It also offers an annual companion certificate, making it great for frequent business travelers.

With a $250 annual fee, it requires a good to excellent credit score (700+). Benefits include priority boarding, a free first checked bag, and a referral program for earning bonus miles.

Key FeaturesReward RateOther Information
Travel Rewards3x miles on Delta purchases \nMQD Headstart for Medallion status
Business Benefits1.5x miles on single transactions over $5,000Free checked bag & priority boarding
Airline MilesAnnual companion certificate

Pros & Cons:

Pros

  1. Excellent for Delta flyers
  2. Helps achieve elite Medallion status
  3. Companion certificate adds great value.

Cons

  1. Limited benefits outside of Delta
  2. No lounge access is included
  3. Rewards redemption is limited to Delta.

Expert Advice

Frequent Delta travelers who own businesses should apply for this card to charge air travel, dining, and general business expenses and earn double SkyMiles. Its companion certificate can be very valuable on domestic flights, making it a worthwhile addition to the wallet of frequent Delta Flyers.

Comparison Table

Name of the CardThe Platinum Card® from American ExpressAmerican Express® Gold CardThe Platinum Card® for Charles SchwabThe Platinum Card® for Morgan StanleyThe Business Platinum Card® from American ExpressAmerican Express Centurion® CardMarriott Bonvoy Brilliant® American Express® CardDelta SkyMiles® Platinum Business American Express Card
Payment GatewayAmerican ExpressAmerican ExpressAmerican ExpressAmerican ExpressAmerican ExpressAmerican ExpressAmerican ExpressAmerican Express
Best ForLuxury travel perks, lounge accessDining and supermarket rewardsInvestment rewards, Schwab account perksExclusive Morgan Stanley perksBusiness travel and expense managementUltra-exclusive luxury perks and conciergeLuxury hotel stays and Marriott rewardsBusiness travel and airline rewards with Delta
Credit Score700+ (Excellent)670+ (Good)700+ (Excellent)700+ (Excellent)700+ (Excellent)Invitation Only700+ (Excellent)670+ (Good)
Annual Fee$695$250$695$695$695$10,000 initiation + $5,000 annual$650$350
Card Weight~18 grams~15 grams~18 grams~18 grams~18 grams~18 grams~16 grams~15 grams
Intro APRN/AN/AN/AN/A0% for 12 months on purchasesN/AN/A0% on purchases for 6 months
Regular APR20.99% – 28.99% (Variable)20.99% – 28.99% (Variable)20.99% – 28.99% (Variable)20.99% – 28.99% (Variable)20.99% – 28.99% (Variable)N/A20.99% – 29.99%(Variable)20.99% – 29.99% (Variable)
Balance Transfer OfferN/AN/AN/AN/AN/AN/AN/AN/A
Sign-in Bonus80,000 points after spending $6,000 in 6 months60,000 points after spending $4,000 in 6 monthsSame as the Platinum CardSame as the Platinum Card120,000 points after spending $15,000 in 3 monthsInvitation-only, rumored benefits vary95,000 Marriott Bonvoy points after spending $6,000 in 6 months90,000 SkyMiles after spending $4,000 in 3 months
Decision CriteriaIdeal for frequent travelers and luxury seekersIdeal for foodies and grocery shoppersBest for Schwab investors seeking extra cash-back benefitsIdeal for Morgan Stanley clients with investment accountsIdeal for businesses with high travel and operational expensesBest for ultra-high-net-worth individuals seeking exclusivityIdeal for frequent Marriott hotel guestsBest for businesses frequently flying with Delta Airlines

Methodology

The list is based on data gathered through extensive research in authoritative American Express publications. Additional information was sourced from financial review websites and established credit card comparison sites.

The evaluation methodology considers multiple dimensions, including:

  • Annual fees
  • Reward programs
  • Additional benefits
  • Consumer-related advantages

Various sources were used to ensure the accuracy and relevance of the information as of March 2025. Readers are advised to verify the latest terms and benefits on the official American Express website. Credit card offers and advantages can change instantly, making real-time verification essential.

Why Do You Need a Metal Credit Card?

Today’s consumers choose metal credit cards primarily because these cards create an elegant and long-lasting payment system with top-quality bonus programs. Premium metal credit cards have a distinct upmarket appeal that is separate from standard plastic payment cards, so they match well with affluent customers plus corporate professionals.

These points explain why users might consider purchasing a metal credit card:

  • Metal credit cards withstand better than plastic ones, which makes them resistant to normal deterioration due to use.
  • These credit cards deliver high rewards in addition to luxury travel advantages and elite airline and hotel memberships.
  • The majority of metal credit cards provide premium travel advantages, including access to airport lounges, personal concierge help, and money-back benefits for airline charges.
  • The embedded security systems ensure better fraud protection and secure transactions for metal credit cards.
  • Business professionals and business executives desire metal credit cards because they symbolize both an indication of wealth and an exclusive financial position.

Individuals who travel regularly or need premium services will find the premium, annual charges of metal cards justified because of the elaborate perks they provide.

Does American Express offer Metal Credit Cards?

The American Express Company extends multiple metal credit card options for personal and corporate consumers.

They are:

Personal Metal Credit CardsBusiness Metal Credit CardsExclusive Metal Credit Cards
High-end cardholders should choose the American Express Platinum Card® because it delivers exceptional travel benefits together with lounge access.The American Express Business Platinum Card® serves business managers who need extensive travel capabilities and premium expense benefits.The Platinum Card for Charles Schwab provides specialized membership advantages to investment-tracking users of Schwab.
The American Express Gold Card is ideal for customers who eat out and shop at stores. It offers frequent cash back and dining rewards.Delta SkyMiles Platinum Business American Express Card provides airline-specific rewards for Delta Flyers.The Platinum Card for Morgan Stanley provides unique rewards to its customers at Morgan Stanley.
The Marriott Bonvoy Brilliant American Express Card serves Marriott hotel fans best because it provides elite membership and free nights as benefits.The American Express Centurion® Card is an exclusive titanium premium payment method for invited customers, enabling them to access unmatched opulence benefits.

All of these exceptional metal cards provide elevated benefits, ranging from premium rewards to comprehensive travel advantages and luxurious lifestyle services.

Advantages of American Express Metal Credit Card

The amazing customer service, luxury rewards, and high-end benefits combine to make American Express metal credit cards stand apart from other products.

The main advantages that metal American Express credit cards offer include:

Reward Programs & Earning Potential

  • Users have the opportunity to earn premium rewards from their travels in addition to dining expenses and regular daily purchases.
  • These reward points let customers choose flights as well as hotels or gift cards and cash payments.
  • Users who frequently book travel will benefit most from Platinum Card® since this card allows them to receive 5X points.

2. Travel Perks

  • Global Lounge Access: Free access to Centurion Lounges, Priority Pass™, Delta Sky Clubs, and other airport lounges.
  • Hotel Elite Status: Free Hilton Honors Gold and Marriott Bonvoy Gold Elite status for improved room upgrades and late checkouts.
  • Annual Programs: The Annual Travel Credits program offers buyers up to $200 worth of airline fee credits, hotel credits, and statement travel charge credits.

3. Luxury & Lifestyle Perks

  • Concierge Services: 24/7 personal support for travel reservations, bookings, and access to exclusive events.
  • VIP Treatment: Customers benefit from several exclusive perks that include invitations to first-class concerts, sporting events, and VIP shows.
  • Uber Cash: Members qualify for dining credits each month and can access Uber Cash with bonus deals at select stores.

4. Business & Financial Flexibility

  • High Credit Limits: Ideal for high-expenditure individuals and companies.
  • No Restrictions: The program enables users to spend without restrictions; therefore, increased purchasing might be based on actual usage patterns.
  • Investment Options: The point-to-investment conversions are available through both Schwab and Morgan Stanley versions.

5. Security & Fraud Protection

  • Sophisticated fraud protection and real-time transaction notifications.
  • Chip-and-PIN technology for more secure transactions anywhere in the world.
  • Zero liability coverage on unauthorized purchases.

American Express metal credit cards deliver top-quality services that appeal to individuals who frequently spend together with corporate staff members and travelers who want luxury benefits.

FAQs 

Does American Express offer a metal credit card suitable for traveling?

The Platinum Card from American Express provides travelers with unparalleled benefits, including access to airport lounges, bonus Members Rewards points for flights purchased, and elite hotel amenities.

Does American Express assess any costs for metal credit card issuance?

There is no extra fee for a metal credit card. Metal American Express cards tend to have higher annual membership fees because they provide cardholders with various additional benefits.

Does American Express provide free replacements for damaged metal cards?

American Express provides free replacement services for metal credit cards that customers lose or experience damage to.

What is the weight of American Express metal cards?

The weight range of American Express metal cards stands at 14g to 18g, which surpasses the strength of standard plastic cards.

What is the proper method to get rid of an outdated metal American Express card?

The metal card can either be mailed back to American Express for proper disposal or be cut by industrial scissors according to need.

Do American Express metal cards provide enough value to be worth their cost?

Every travel enthusiast, including dining and premium reward seekers, should consider American Express metal cards. These cards deliver extraordinary benefits, including exclusive services, travel options, and luxury perks.