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Best Metal Credit Cards of 2026

Best Metal Credit Cards of 2025

Updated on October 9, 2026

Metal credit cards come with high annual fees but are worth their weight in gold if they match your spending habits and you have excellent credit. If your credit score is below 670, we recommend a fair credit card instead. For most Americans though, they’d be better off with a no or low annual fee rewards card. See our recommended rewards cards now.