While most cards are made of plastic, selecting a metallic credit card comes with its own perks. In the past, a plastic credit card was the only available option; now, you can apply for a metal one without added cost.

The functionality of plastic cards and metal cards is similar; the main difference is that metal one elevates the look of your card and is durable and eco-friendly, too. Let’s explore the benefits of having a metal card and how it compares to a plastic card.

Why Choose a Metallic Credit Card

For a unique look, such cards are mainly made of stainless steel. They function like a regular credit card with an EMV chip. They are created with high-precision laser technology to increase safety and security. 

This feature of the metal credit card doesn’t only make it aesthetically appealing; it also protects against any theft or fraud. At the same time, plastic credit cards are standard and lack extraordinary features compared to metal ones.

Choosing a metal credit card isn’t just about the aesthetics. Here are top reasons to consider a metal card:

• Look and Feel

Metal cards are heavier and promise durability. They are a stylish accessory to flaunt and are often seen as a status symbol.  

• Premium Benefits

Metal cards often come with improved perks. Many issuers offer excellent travel rewards and exclusive access to airport lounges; these benefits make a difference if you’re a frequent traveller and use credit cards for big purchases.

• Higher Rewards Potential

Many metal cards provide enhanced reward points on purchases, especially in categories like travel and dining. This means you can gain points or cashback faster than a standard plastic card.

• Impressive Signup Bonuses

These cards frequently offer substantial welcome bonuses. They add up to a significant value if you meet their spending requirements.

• Conversation Starter

A metal card can be a head-turner if you enjoy luxury and exclusivity. Using it can even spark conversations!

However, it’s crucial to remember that the card’s material should not be the deciding factor while you’re applying for a credit card. You have to also keep the card’s features in mind, understanding whether it aligns with your spending habits and financial goals.

Metallic Cards Vs. Plastic Cards

When comparing both of the credit cards, several factors come into play:

• Longevity

Metal cards are built to last. They’re less likely to wear down, crack, or break compared to plastic cards. This added durability could be a plus point if your cards are prone to wear and tear.

• Related Fees

Some issuers may charge you extra when you order a metal card as compared to a plastic variant. In some cases, the annual and joining fee of metal cards may be higher. Evaluate this before you proceed. 

• Rewards Programs

While metal cards typically have premium perks, many plastic cards offer competitive reward structures, too. The key is to evaluate whether the additional benefits of a metal card justify its cost for your specific needs.

• Credit Requirements

To qualify for both metal and plastic credit cards, it’s important to have a good credit score and be creditworthy. 

• Weight and Feel

Metal cards are noticeably heavier, about 13-20 grams compared to 5 grams for plastic and feel more substantial. This can be a pro or con, depending on your preference.

• Disposal

When it’s time to get rid of your card, plastic ones can be easily cut or shredded. Metal cards often require you to mail them back to the issuer for proper disposal.

• Airport Security

Some users report that metal cards occasionally set off metal detectors, which isn’t an issue with plastic cards.

• Availability

Check with your issuer whether they have the provision of a metal credit card or not. Many credit card issuers offer this as a premium variant, and you can apply for it if it matches your spending habits and lifestyle.

Process To Get A New Metal Card

You can apply for a new metallic credit card or can upgrade to one by following these simple steps:

1. Check with your credit card issuer if they offer such a card
2. View the features and then apply for it on the official website or mobile app
3. Fill out the application form
4. Provide the necessary details regarding your personal and professional life
5. Attach all the required documents

Upon successful verification, the issuer will have it delivered it to your address.  

A credit card comes with numerous benefits and an attractive rewards program, making it a compelling financial tool. Selecting a metal card offers enhanced sturdiness and better protection against physical damage – while giving you a sophisticated aesthetic edge. 

If you’re looking to apply for a metallic credit card, opt for the One Credit Card. It gives you a premium user experience. Along with a luxurious design, this stylish metal credit card helps you earn 5X rewards on your top two spending categories each month. 

What’s more, you can enjoy lucrative offers on travel, retail, fashion and more. Using the One Credit Card App, built on full-stack technology, you can check offers near you with the latest GPS technology. Apply now to enjoy the benefits of this fantastic metal credit card.