If you prefer credit cards with some weight, then you may want a metal credit card. Take a look at the heaviest credit cards currently available.
The heaviest credit card is the J.P. Morgan Reserve card, weighing 27 grams. Other issuers also offer heavy cards made of metal. These heavy cards also tend to come with impressive perks and rewards.
Explore the heaviest credit cards in more detail, and learn which ones are the best.
The Heaviest Credit Cards Available
There are plenty of reasons you may want a heavy credit card. These cards are associated with prestige and excellent rewards. Perhaps you are after those rewards. Or maybe you want everyone who glances at your card to recognize your wealth and financial success. Or maybe you are just worried you will break a plastic credit card.
No matter the reason, the following should help you choose the right heavy card for you.
Heaviest Credit Cards by Weight
If your ultimate goal is to get the heaviest credit card possible, then you want to choose the J.P. Morgan Reserve card. This metal card weighs 27 grams.
After that, the next-heaviest cards weigh 22 grams. These are the Luxury Card Mastercard Gold Card and Luxury Card Mastercard Black Card. The Mastercard Titanium Card also weighs this amount.
Next, you have several options weighing 18 grams. These are:
- Platinum Card from American Express
- Citi Prestige Credit Card
- Capital One Venture X Rewards
- Citi and AAdvantage Executive World Elite Mastercard
The HSBC Elite Credit Card comes in at 17 grams, and so does the Capital One Savor Cash Rewards Card.
The Capital One Venture Rewards Credit Card, the Verizon Visa Card, and the U.S. Bank Altitude Reserve Visa Infinite Card weigh 16 grams.
Your options for 15-gram cards include the American Express Gold Card and the Marriott Bonvoy Brilliant American Express Card. The Delta SkyMiles Platinum Business American Express Card also weighs as much.
The Centurion Card from American Express weighs 14 grams.
Several cards weigh 13 grams, including:
- Amazon Prime Rewards Visa Signature Card
- Chase Sapphire Preferred Card
- IHG Rewards Club Premier Credit Card
- Chase Sapphire Reserve
The United MileagePlus Club card weighs 12 grams.
The U.S. Bank Altitude Go Visa Signature Card weighs 11 grams.
Finally, the Wells Fargo Propel American Express Card weighs 10 grams.
Overall, those are the 24 heaviest cards, weighing anywhere from 10 grams to 27 grams.
What Makes These Cards Heavy?
Given that most credit cards are made from lightweight but sturdy plastic, it is natural to wonder what these heavy cards are made from. The short answer is metal, typically with a plastic layer on top. That plastic layer is where you will find the account information.
To be more specific, most of the heavier credit cards feature copper, stainless steel, and/or brass. However, some of the higher-end ones are made from palladium or gold.
Further Reading: How To Apply For A Credit Card For The First Time: 1st Credit Card
Best Metal Credit Cards
It is impossible to choose the best metal credit cards. After all, everyone wants something different from their cards. Your idea of the best card may be the one:
- With the lowest annual fee
- With the best interest rates
- That gives you the most airline miles
- That gives you the most cash back
- That gives you access to exclusive services and amenities
- With the most prestige
- With the best customer support
With that in mind, take a look at some of the best metal credit cards based on varying criteria.
If You Prioritize Low Fees
If your idea of the best metal credit card is one that has low fees, then consider the Mastercard Titanium Card. Its annual fee is just $195, which is low for one of these heavy cards. The interest rate is 14.99% variable.
As a refresher, this card weighs 22 grams. It has a carbon back, while the front features brushed stainless steel.
The following are some of the perks that come with this card:
- Access to Luxury Magazine, which is members-only
- 24/7 Luxury Card concierge
- 2% value on airfare redemption (no seat restrictions or blackout dates)
- 1% value on cash back redemptions
- Luxury Card travel benefits averaging $500 per stay
- Cell phone protection of up to $1,000 a year
Keep in mind that you need an excellent credit score for this card.
If you want your fees to be as low as possible, then the Amazon Prime Rewards Visa Signature Card is also an excellent option. How low is its fee? There is none. It is the only fee-free metal card you will find, and it is a good choice for those who regularly shop on Amazon.
Even without an annual fee, it has very nice rewards. However, keep in mind that you can only use those reward points toward purchases on Amazon. This might be somewhat limiting for some cardholders.
The following are some of the noteworthy benefits of this card:
- Instant $100 Amazon gift card when approved for the card
- 5% cashback at Whole Foods Market and Amazon.com with an eligible Prime membership
- 2% cashback at gas stations, drug stores, and restaurants
- 1% cashback on other purchases
Additional reading: What To Look For In A Credit Card?
If You Want Airport Lounge Access
For those who want a heavy credit card that gives them access to airport lounges, the Platinum Card from American Express is a good choice. As a refresher, this card weighs 18 grams. You will need a good credit score.
While this card has nice perks, it comes with a $695 annual fee. Some of the highlights include:
- 100,000 Membership Rewards when you spend $6,000 as a welcome offer
- 5x membership rewards points on flights when booked with American Express Travel or directly with airlines
- 5x membership rewards points for prepaid hotels you book with American Express Travel
- 40+ Centurion Lounge and Studios globally
- $200 in annual hotel credits
- $240 in digital entertainment credit
- $155 in Walmart+ credit
- $200 in annual airline fee credits
- $200 of Uber Cash and Uber VIP status
- $179 CLEAR credit
- $300 Equinox credit
If You Want to Earn Miles
If your goal is to earn miles instead of just getting lounge access, then the Capital One Venture Rewards Card is a good option. As a refresher, it weighs 16 grams. This comes from its stainless-steel veneer. As a bonus, 75% of its materials are recycled.
Additionally, this is one of the metal credit cards with the lowest annual fee, at just $95. The benefits of this card easily pay that fee, especially if you travel a lot.
Some of those benefits include:
- $100 TSA PreCheck or Global Entry annual credit
- 2x miles on every dollar spent
- No foreign transaction fees
- Access to 5-star meals, VIP tickets, and more
More like this: How to Destroy A Metal Credit Card
If You Enjoy Eating Out
The Capital One Savor Cash Rewards Credit Card is a solid option for those who love to dine at restaurants. This is also one of the cards on the list with a low annual fee of just $95. The purchase APR is variable between 15.99% and 24.99%. Keep in mind that you need at least a good credit score.
Some of the highlights that make this card an excellent choice include:
- $300 welcome cash bonus when you spend $3,000 within the first three months
- 8% cashback from Vivid Seats
- 4% cashback from streaming services, dining, and entertainment
- 3% cashback from grocery stores
- 1% cashback on other purchases
Pros and Cons of Heavy Credit Cards
Choosing a heavy card is not for everyone. Many people don't want to deal with carrying the extra weight. Others, however, appreciate the unique materials and feel of these cards.
- These credit cards tend to have excellent rewards, benefits, and perks.
- Using a metal card carries a great deal of prestige, as they tend to be the most exclusive cards.
- They are theoretically sturdier than plastic cards, although you are also unlikely to break a plastic card.
- Metal cards can be fun because of their uniqueness.
- Heavier cards mean that you are carrying more weight with you on a regular basis.
- Some of the heavier cards are also thicker, so they take up more space in your wallet or bag.
- Many of these cards are expensive, with annual fees of about $400. Depending on the rewards and the cost, some of the heavy cards may not be worth the price.
- You can find standard plastic cards with similar perks if you prefer.
Some people prefer metal cards for their prestige, rewards, or durability. You can get a metal credit card that is up to 27 grams, although most will weigh closer to 15 to 20 grams. Most of these cards require you to have a good credit score but come with excellent perks. Those with the best perks also tend to have the highest annual fees, with some charging fees of $695. As such, you should carefully weigh the cost of the card versus the rewards you earn before choosing one.
Learn More: Credit Card Issuers That Allow a Co-signer
Shawn Manaher is a former financial advisor, has founded 5 online businesses, and is a coach, speaker, podcast host, and author. He's been featured on Forbes, The Consults Corner on TAE Radio, The Writing Biz, What's Your Story, and more.