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6 Best Metal Credit Cards in Canada for March 2023

Metal credit cards are synonymous with luxurious living, impressive VIP perks, and high annual fees.

They are sort of a status symbol in the world of credit cards and a departure from the ‘cheap’ feel you get with a regular plastic credit card.

While the make and weight of a card is one thing, its rewards, fees, and benefits are another.

In this post, I cover the best metal credit cards in Canada from American Express, CIBC, TD, and BMO.

Best Metal Credit Cards in Canada

The top ones are as follows:

  • Amex metal credit cards: The Platinum Card from Amex, Amex Aeroplan Reserve Card, and Amex Gold Rewards Card.
  • CIBC metal credit card: CIBC Aventura Visa Infinite Privilege Card.
  • TD metal credit card: TD Aeroplan Visa Infinite Privilege Card
  • BMO metal credit card: BMO eclipse Visa Infinite Privilege Card.
Metal Credit CardWelcome OfferAnnual FeeIncome RequirementApply
The Platinum Card from Amex80,000 points$699NoneApply
American Express Aeroplan Reserve85,000 points$599NoneApply   
American Express Gold Rewards60,000 points$250NoneApply
BMO eclipse Visa Infinite PrivilegeUp to 90,000 points$499$150,000 personalApply
TD Aeroplan Visa Infinite PrivilegeUp to 105,000 points$599$150,000 personal 
CIBC Aventura Visa Infinite Privilege60,000 points$499$150,000 personal

1. The Platinum Card From American Express

The Platinum Card is the top choice for a metal credit card in Canada. If you don’t qualify for the prestigious and secretive black credit card, aka American Express Centurion Card, the Platinum Card offers a solid compromise.

For a $699 annual fee, you enjoy exclusive benefits and perks that are frankly hard to match by any other card on this list. Plus, this usually includes a welcome bonus easily worth $500 to $1,500.

Rewards: Earn 3 points per $1 spent on dining and food delivery, 2 points per $1 spent on travel, and 1 point per dollar on all other purchases.

Cardholders get access to comprehensive travel insurance coverage, an annual $200 travel credit, up to $100 in statement credit when you renew your NEXUS Card, VIP perks at Toronto Pearson International Airport, Hotel Status benefits, and more.

Since this is a charge card, there are no pre-set limits.

Metal Card: This stainless steel metal card weighs around 18gms.

Eligibility: You can apply for this card with a 700+ credit score. There is no minimum income requirement.

This Amex Platinum Card review offers more details.

The American Express Platinum Card

Rewards: Earn 3 pts per $1 spent on dining & food delivery; 2pts per $1 spent on travel; 1pt/$1 everywhere else.

Welcome offer: Get up to 80,000 bonus points in the first year.

Interest rates: 20.99% on purchases and 21.99% on cash advances.

Annual fee: $699

2. American Express Aeroplan Reserve Card

Next on the list of the top custom credit cards in Canada is the American Express Aeroplan Reserve Card. This Amex metal credit card is also great for earning Aeroplan points.

It offers 3 Aeroplan per $1 spent on Air Canada purchases, 2 points per $1 spent on dining and food delivery, and 1.25 points per dollar spent elsewhere.

While you will pay a $599 annual fee to keep this card in your wallet, its premium perks are worth it.

Cardholders enjoy a hefty welcome bonus, comprehensive travel insurance coverage, access to Air Canada Maple Leaf Lounges in North America, free first checked bags, an annual companion pass when they spend $25,000 annually, and more.

Metal card: This card is made from precision cut and engraved 13g metal.

Eligibility: You can apply for this card with a 660+ credit score. It does not have a minimum income requirement. Learn more in this review.

American Express Aeroplan Reserve Card

Rewards: Earn 3x Aeroplan pts on Air Canada purchases; 2x pts dining & food delivery; 1.25x pts everywhere else.

Welcome offer: Get up to 85,000 bonus points in the first year.

Interest rates: 20.99% on purchases and 21.99% on cash advances.

Annual fee: $599

3. American Express Gold Rewards Card

You can get this Amex metal credit card in two colours: Gold and Rose Gold.

The American Express Gold Rewards Card has a $250 annual fee. It offers a significant sign-up bonus and you earn 2 points per $1 spent on travel, gas, grocery, and drugstore purchases; and 1 point per $1 spent on everything else.

Cardholders enjoy access to a comprehensive suite of travel insurance coverages, Priority Pass membership, 4 complimentary visits to Plaza Premium Lounges each year, $50 NEXUX Card rebate, $100 annual travel credit, and more.

Meta card: This card is made with 13g stainless steel.

Eligibility: You can apply with a 660+ credit score. There is no minimum income requirement.

Learn more about the card in this review.

American Express Gold Rewards Card

Rewards: Earn 2x the points on travel, gas, drugstore, and grocery purchases; 1x point everywhere else.

Welcome offer: Get up to 60,000 bonus points in the first year.

Interest rates: 20.99% on purchases and 21.99% on cash advances.

Annual fee: $250

4. BMO eclipse Visa Infinite Privilege Card

Another option is the BMO metal credit card. The BMO eclipse Visa Infinite Privilege Card has a $499 annual fee.

It offers 5 BMO Rewards points per $1 spent on groceries, restaurants, drugstore, gas, and travel purchases. On all other purchases, you earn 1 point per $1 spent.

Cardholders get a $200 annual travel credit, Priority Pass membership with 6 free annual airport lounge visits, and access to several Visa Infinite perks.

Meta card: This card weighs in at about 17g.

Eligibility: A minimum annual personal income of $150,000 (or $200,000 for a household) is required to qualify.

Best Metal Credit Cards in Canada

5. TD Aeroplan Visa Infinite Privilege Card

TD is not left out when it comes to metal credit cards.

The TD Aeroplan Visa Infinite Privilege Card has a $599 annual fee and earns 2 Aeroplan points per $1 spent at Air Canada, 1.5 points per $1 spent on gas, groceries, travel, and dining; and 1.25 points per $1 spent everywhere else.

Cardholders enjoy a comprehensive package of travel insurance, access to Maple Leaf Lounges in North America, and Priority Pass Membership with 6 lounge visits each year.

You also get an annual companion voucher if you spend up to $25,000 per year, a NEXUS application fee rebate every 4 years, and more.

Metal card: This TD metal credit card weighs in at about 17g.

Eligibility: You need a minimum personal annual income of $150,000 to qualify or $200,000 for household income.

6. CIBC Aventura Visa Infinite Privilege Card

The CIBC Aventura Visa Infinite Privilege Card is CIBC’s metal credit card, and one of the top travel rewards credit cards in Canada.

With a $499 annual fee, this card offers 3 points for every $1 spent on travel purchased through the CIBC Rewards Centre.

Cardholders earn 2 Aventura points per $1 spent on restaurants, entertainment, gas, and groceries; and 1.25 points per $1 spent on everything else.

It includes comprehensive travel insurance, Priority Pass membership with 6 complimentary airport lounge visits each year, a $200 annual travel credit, and more.

Metal card: This metal card weighs in at about 18g.

Eligibility: You will need a $150,000 minimum personal annual income to qualify or $200,000 for a household.

What is a Metal Credit Card?

Metal credit cards are made of metal or a combination of metal and other materials. They stand apart from regular credit cards, which are made of plastic.

Other than the material they are made from, metal credit cards function the same as their plastic counterparts.

Typically, you can expect a metal credit card to have a higher-than-average annual fee and to offer premium perks.

Metal credit cards are designed to look cool and luxurious, and they can be a great addition to your wallet.

Metal Credit Card vs. Black Credit Card

A “black credit card” generally refers to the exclusive Centurion Card from American Express. This card was first introduced in 1999 and it is available by invitation only.

While the specs of the card are a well-hidden secret, rumour has it that cardholders pay an initiation fee, and the annual card fee is $2,500 in Canada.

Also, to get an invitation for an Amex Black Card, you may need to spend around $500,000 per year on an American Express Platinum Card.

To put it simply, a black card is the most premium of metal credit cards.

Metal Credit Card FAQs

How do I get a metal credit card?

To apply for a metal credit card, simply visit the website of the financial institutions listed above to apply.

Which banks offer metal credit cards?

American Express, BMO, TD, and CIBC all offer metal credit cards in Canada.

Is there a metal credit card with no annual fees?

No. The Wealthsimple Cash Card and KOHO Mastercard offered a limited-edition metal prepaid card that is no longer available.

Is there a metal debit card in Canada?

It does not appear that there are any metal debit cards in Canada.

How do I destroy a metal credit card?

Unlike plastic credit cards, metal cards can be harder to destroy. You can cut a metal credit card using metal snips or return it by mail to the card issuer for secure disposal.

What are the heaviest metal credit cards?

The heaviest metal credit cards include the JP Morgan Reserve Card, Amex Platinum Card, CIBC Aventura Visa Infinite Privilege Card, and Mastercard Black Card.

Related:

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Author

Gravatar for Enoch Omololu, MSc (Econ)
Enoch Omololu, MSc (Econ)

Enoch Omololu is a personal finance expert and a veterinarian. He has a master’s degree in Finance and Investment Management from the University of Aberdeen Business School (Scotland) and has completed several courses and certificates in finance, including the Canadian Securities Course. He also has an MSc. in Agricultural Economics from the University of Manitoba and a Doctor of Veterinary Medicine degree from the University of Ibadan. Enoch is passionate about helping others win with their finances and has been writing about money matters for over a decade. He has been featured or quoted in The Globe and Mail, Winnipeg Free Press, Wealthsimple, CBC News, Financial Post, Toronto Star, CTV News, Canadian Securities Exchange, Credit Canada, National Post, and many other personal finance publications. You can learn more about him on the About Page.

His top investment tools include Wealthsimple and Questrade. He earns cash back on purchases using KOHO, monitors his credit score for free using Borrowell, and earns interest on savings through EQ Bank.

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