Introduction:
Chase has a reputation for making some of the finest and high-end credit cards in circulation. One of its most prominent offers is its selection of metal credit cards. Not only do these cards feature a cutting-edge and premium metal design but also offer an array of additional benefits that complement the typical credit card experience.
Metal credit cards have become symbolic of status, providing elite travel benefits, entry to VIP experiences, and upscale rewards programs. They are designed to cater to the needs of frequent fliers, business owners, and high-net-worth individuals who want both luxury and functionality in their financial products.
With their award-winning rewards programs, travel perks, and luxurious benefits, Chase Metal credit cards are among the top options for individuals wanting to take their financial experience to the next level. In this article, we will be talking about the best metal credit cards from Chase, why they are unique, and how you can incorporate them into your portfolio.
Summary Table (TLDR)
| S. N. | Name of Reward Credit Card | Best Feature |
|---|---|---|
| 1 | Chase Sapphire Preferred® Card | 2X points on travel & dining |
| 2 | Chase Sapphire Reserve® Card | Premium travel benefits |
| 3 | Chase United Club℠ Infinite Card | United Club lounge access |
Chase offers premium metal credit cards with luxury travel perks, high reward rates, and exclusive benefits.
Here’s a breakdown of their best options, ideal for frequent travelers:
1. Chase Sapphire Preferred
The Chase Sapphire Preferred® Card is great for regular travelers, with a huge welcome bonus and great earning capacity on dining and travel. Points can be used for travel, cash, or statement credits cards.
Signup Bonuses
- Issuer – Chase
- Payment Gateway – Visa
- Credit Score – Good-Excellent
- Annual Fee – $95
- International Transaction Fee – No Foreign Transaction Fees
- Cash Advance Fee – 5% or $10
- Intro APR – N/A
- Regular APR – 21.24%–28.24%
- Sign In Bonus – 60,000 points after $4,000 spent in 3 months
- Best For – Dining and Travel
The Chase Sapphire Preferred® Card is ideal for travel enthusiasts. Issued by Chase, it offers generous travel rewards and flexible redemption options. It helps maximize travel benefits and manage expenses efficiently.
The card has an annual fee of $95 and offers 2X points on travel and dining. The credit limit varies, and a good credit score is required. It also includes a referral program and travel insurance.
| Key Features | Reward Rate | Other Information |
|---|---|---|
| Travel Rewards | 5x points on travel via Chase Ultimate Rewards | Points transferable to travel partners for full value |
| Dining Benefits | 3x points on dining, streaming, and online grocery | Limited bonus categories compared to some other cards |
Pros & Cons:
Pros
- Travel Protection: Covers trip cancellations, delays, etc.
- Points Transfer: 1:1 transfer to travel partners.
- No Spending Limit: Flexibility for large purchases.
Cons
- Limited Everyday Rewards: Focuses on travel and dining.
- Credit Score Requirement: Only for good to excellent credit.
- Best Value via Chase Ultimate Rewards: Points are most valuable there.
Expert Advice
Chase Sapphire Preferred is a travel card excellent for travelers who travel often, offering 2x points on travel and dining purchases and an additional large sign-up bonus. Points can be transferred to numerous travel partners, and this is a great option when it maximizes your travel rewards.
2. Chase Sapphire Reserve® Card
The Chase Sapphire Reserve® Card helps businesses with travel and dining benefits. This card with a metal-finished body helps to manage all the expenses and travel rewards.
Travel Rewards
- Issuer – Chase
- Payment Gateway – Visa
- Credit Score – Excellent
- Intro APR – N/A
- Regular APR – 22.24%–29.24%
- Annual Fee – $550
- International Transaction Fee – No Foreign Transaction Fee
- Cash Advance Fee – 5% or $10
- Balance Transfer APR – N/A
- Sign-up Bonus – 60,000 points after $4,000 spent in 3 months
- Best For – Frequent Travelers, Luxury Travelers
The Chase Sapphire Reserve® Card is designed for frequent travelers. Issued by Chase, it offers premium travel benefits, including airport lounge access and travel insurance. It helps maximize travel rewards and manage expenses.
The card has an annual fee of $550 and offers 3X points on travel and dining. The credit limit varies, and a good credit score is required. It also includes a referral program and travel insurance.
| Key Features | Reward Rate | Other Information |
|---|---|---|
| Premium Travel Rewards | 10x points on hotel & car rentals via Chase Travel | – |
| Lounge Access | 3x points on dining & general travel | – |
| Concierge Service, Dining Rewards | – | – |
Pros & Cons:
Pros
- Priority Pass lounge access and no foreign transaction fees.
- Ultimate Rewards Points Do Not Expire.
Cons
- High spend requirement for the sign-up bonus.
- Points are best used for travel via Chase Ultimate Rewards for maximum value.
Expert Advice
Chase Sapphire Reserve is an elite travel credit card that earns 3x points on travel and dining, a large one-time sign-up bonus, and access to lavish benefits such as access to airport lounges. Perfect for high-spending travelers who want big rewards and benefits.
3. Chase United Club℠ Infinite Card
The Chase United Club Infinite Card provides access to United Club lounges for frequent travelers. The card also provides Premier Access travel services including check-in, security screening (where available), boarding, and baggage handling.
Travel Rewards
- Issuer – Chase
- Payment Gateway – Visa
- Credit Score – Excellent
- Intro APR – N/A
- Regular APR – 21.24%–28.24%
- Annual Fee – $525
- International Transaction Fee – No Foreign Transaction Fee
- Cash Advance Fee – 5% or $10
- Balance Transfer APR – 21.24%–28.24%
- Sign-up Bonus – 80,000 miles after $5,000 spent in 3 months
- Best For – Frequent Flyers, United Airlines Travelers
The Chase United Club℠ Infinite Card, issued by Chase, offers 3 miles per dollar spent on United purchases and 1.5 miles per dollar on all other purchases. It benefits United Airlines travelers by providing valuable miles and travel perks.
The card has an annual fee of $395 and offers access to United Club℠ lounges. It provides a credit limit based on your credit score and requires an excellent credit score. The referral program allows you to earn additional miles by referring others.
| Key Features | Reward Rate | Other Information |
|---|---|---|
| Luxury Travel | 4x miles on United purchases | Trip Cancellation and Interruption Insurance |
| Lounge Access | United Club membership | Lost Luggage Reimbursement |
| Airline Perks | Free first & second checked bags | Earn up to 15,000 Premier qualifying points (PQP) |
Pros & Cons:
Pros
- United Club lounge access
- Bonus miles on purchases
- Free checked bags.
Cons
- No intro APR offer
- High regular APR
- Limited lounge access if not a frequent United flyer.
Expert Advice
The Chase United Club℠ Infinite Card is ideal for frequent United flyers who can benefit from lounge access, free checked bags, and Premier Access services. It has a high annual fee of $525, which might be offset by its extensive perks.
Summary Table
| Cards Name | Chase Sapphire Preferred | Chase Sapphire Reserve® Card | Chase United Club℠ Infinite Card |
|---|---|---|---|
| Issuer | Chase | Chase | Chase |
| Payment Gateway | Visa | Visa | Visa |
| Credit Score | Good-Excellent | Excellent | Excellent |
| Annual Fee | $95 | $550 | $525 |
| International Transaction Fee | No Foreign Transaction Fees | No Foreign Transaction Fees | No Foreign Transaction Fees |
| Cash Advance Fee | 5% or $10 | 5% or $10 | 5% or $10 |
| Intro APR | N/A | N/A | N/A |
| Regular APR | 21.24%–28.24% | 22.24%–29.24% | 21.24%–28.24% |
| Balance Transfer APR | N/A | N/A | 21.24%–28.24% |
| Sign-Up Bonus | 60,000 points after $4,000 spent in 3 months | 60,000 points after $4,000 spent in 3 months | 80,000 miles after $5,000 spent in 3 months |
| Best For | Dining and Travel | Frequent Travelers, Luxury Travelers | Frequent Flyers, United Airlines Travelers |
Methodology:
We evaluated key factors to determine the best Chase metal credit cards, focusing on benefits, fees, travel perks, sign-up bonuses, eligibility, and design to ensure maximum value for users.
- Essential Factors Considered: We selected specific critical factors to determine the best Chase metal credit cards for customers.
- Priority on Benefits Systems: The highest priority was given to analyzing the benefits systems of each card, as they offer different rewards based on dining, travel, and standard spending activities.
- Annual Fees Assessment: Since metal credit cards usually come with high charges, we carefully evaluated the annual fees to ensure they match the accompanying benefits.
- Premium Travel Perks: We considered premium travel insurance, airport lounge access, and concierge services as crucial factors because they are among the most desirable perks for metal cardholders.
- Sign-Up Bonuses & Introductory Offers: We analyzed these incentives since they provide immediate additional value during the starter period of the card.
- Eligibility Requirements: Chase metal cards require eligibility checks, with some demanding excellent credit scores and high incomes for membership. This factor was included in our evaluation.
- Card Design Analysis: The overall design of the metal cards was assessed to ensure they provide both practical value and an excellent customer experience.
- Final Selection Criteria: Our evaluation of all these components helped us determine the best Chase metal credit cards based on their worth to the user, adaptability, and complete set of advantages.
Choosing the Best Chase Metal Credit Cards
The following factors served as the basis for selecting the best metal credit cards from Chase:
- Rewards Programs: An evaluation was conducted to assess how the card rewards its users with points together with miles or money-back rewards within multiple spending classifications that include food dining and travel expenses.
- Sign-up Bonuses: Bonus programs increased the appeal of metal cards when they included welcome awards that rewarded users for reaching minimum purchase requirements.
- Travel Perks: Travel perks obtained by access to exclusive airport lounges travel insurance, and concierge services turned out to be our most important criterion during assessment.
- Annual Fees: We examined annual fees to determine if the provided incentives compensated for the total expense.
- Cardholder Benefits: Supplemental cardholder rewards including purchase protection together with extended warranties and VIP event access played a role in choosing the best metal card options.
- Eligibility Requirements: Credit score and income requirements that approve potential customers shaped the selection process.
Why Choose a Metal Credit Card from Chase?
Chase’s metal credit cards are not just about aesthetics but come with substantial practical benefits.
Here’s why they are ideal for specific use cases:
- Exclusive Rewards and Benefits: Metal credit cards from Chase are designed for high-net-worth individuals who expect premium rewards on travel, dining, and more.
- VIP Status and Recognition: Holding a Chase metal credit card elevates your financial status and offers access to exclusive events and perks.
- Travel Perks: These cards are specifically crafted for frequent travelers, offering benefits like lounge access, complimentary upgrades, and premium insurance coverage.
- Design and Prestige: The physical weight and feel of a metal card are often perceived as a status symbol, which is why it appeals to those who prioritize luxury and exclusivity.
Advantages of Chase Metal Credit Cards
Here are the key advantages of owning a Chase Metal credit card:
- Premium Rewards Programs: Earn high-value points or miles on travel, dining, and select purchases, which can be redeemed for flights, hotels, or statement credits.
- Exclusive Travel Benefits: Get access to luxury airport lounges, priority boarding, travel insurance, and concierge services for all your trips.
- Concierge Service: Enjoy access to a dedicated concierge for booking reservations, organizing events, or handling personal requests at any time.
- Status Symbol: Your financial status gets a boost when you hold a Chase metal credit card since it represents both wealth and status. These cards unlock special high-end service capabilities.
FAQs!
What are the benefits of having a Chase Metal credit card?
Chase Metal credit cards offer exclusive rewards programs, access to premium travel benefits, concierge services, and a luxurious card design that enhances your status.
Chase metal cards stand out for their robust rewards programs, VIP travel perks, and luxury services, often offering more flexibility and value than many other high-end cards.
What is the eligibility for a Chase Metal credit card?
Chase metal cards typically require a high credit score, substantial income, and meeting certain spending criteria. Eligibility may vary depending on the card you apply for.
Do Chase metal cards come with high annual fees?
Yes, many of the best Chase metal credit cards come with higher annual fees. However, these fees are often outweighed by the value provided through rewards, perks, and benefits.
Can I earn rewards on all purchases with a Chase Metal credit card?
Yes, most Chase metal cards offer rewards on various spending categories like travel, dining, and general purchases, but the earning rates may vary by card type.