In a world filled with plastic credit cards, metal credit cards stand out with their sleek, high-end design. But beyond the flashy exterior lies a host of exclusive benefits and rewards that make premium metal cards worth the upgrade. Here are five of the top reasons to consider levelling up to a heavy metal credit card:
One major allure of premium metal cards is the lucrative rewards and cashback programs, which allow you to earn points, miles, or money on your spending. For instance, certain metal cards offer up to 10% cashback on dining, entertainment, travel, groceries, and more. With rewards rates several times higher than regular plastic cards, your points can quickly add up to free flights, hotel stays, gift cards, and statement credits.
Metal cards also offer higher sign-up bonuses, where you can earn 50,000 points or more just by hitting a reasonable minimum spend in the first few months. And your points don’t usually expire either, allowing flexible redemptions whenever you desire.
Metal cards open up a world of elite travel perks you won’t find on typical credit cards. Enjoy complimentary airport lounge access, where you can relax in luxury lounges before flights. Some metal cards even offer free access to hotel club lounges for exclusive amenities, and breakfast spreads when staying at high-end properties.
You can also receive elite status with major hotels like Hilton or Marriott simply for being a cardholder, which unlocks room upgrades, late checkout, free Wi-Fi and more perks during hotel stays.
Most premium metal cards include a 24/7 concierge service ready to cater to your every need, whenever and wherever. This adds a touch of luxury to your daily life. Some concierge services even extend to unusual requests like tracking down rare gifts or having flowers delivered internationally. Think of it as a personal assistant available round the clock to simplify life’s demands and handle challenging tasks on your behalf.
Upgrade to a premium metal credit card, and you can take advantage of bumped-up insurance coverage for rental cars, purchases, and more. The elevated coverage means fewer out-of-pocket costs in unwelcome scenarios. With rental car insurance, premium cards can cover the full value of the vehicle in cases of theft or collision damage, saving you from expensive deductibles.
Last but not least, metal cards deliver red carpet treatment wherever you go. You’ll get access to the fastest airport security lanes to breeze through checkpoints. Cardholders can also enjoy exclusive dining and entertainment experiences unavailable to the general public. Expect preferential bookings, VIP sections at concerts or games, or members-only nightlife venues.
Just flashing a premium metal card tends to turn heads and impress people around you. Customer service teams, hotel staff and airport agents also tend to provide that extra deferential service when dealing with luxury cardholders. So be prepared for the rock star lifestyle accompanying elite metal card status.
With hefty annual fees, premium metal credit cards certainly come at a cost. However, frequent travellers, luxury shoppers, and those who can maximise the card perks may find the benefits easily offset the fees. Ultimately, assess your spending habits and financial situation to decide if upgrading to metal makes sense. When used responsibly and frequently, these cards can unlock incredible metal credit card benefits through statement credits, points, and pampering privileges galore.
