Best Metal Credit Cards

American Express Platinum Card Review

The Platinum? Card from American Express Credit Card

Rating: 4 Stars

Bottom Line:
Perks For Frequent Travelers

Card Details

Regular APR:	Not Stated In Terms and Conditions
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	5 Membership Rewards points per dollar on flights booked directly with airlines or with American Express Travel 5 Membership Rewards points per dollar on prepaid hotels booked on amextravel.com
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$550
Card Brand:	American Express

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Earn 60,000 Membership Rewards points after you use your new Card to make $5,000 in purchases in your first 3 months.
Enjoy Uber VIP status and free rides in the U.S. up to $15 each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings.
5X Membership Rewards points on flights booked directly with airlines or with American Express Travel.
5X Membership Rewards points on prepaid hotels booked on amextravel.com.
Enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world. Receive access to The Centurion Lounge and The International American Express lounges, as well as our partner networks, Delta Sky Club and Priority Pass Select lounges.
Receive either a $100 statement credit for Global Entry or an $85 credit for TSA Pre
Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn More.
$200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline.
Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card. Enrollment required.
$550 annual fee.
Terms Apply.

Is American Express Platinum Card worth it?

American Express Platinum is a great card for frequent travelers. Travel booked with airlines or through Amex Travel and prepaid hotels booked through Amex Travel earn five points per dollar.

Another major benefit is access to partner lounges through Delta Sky Club and Priority Pass Select. The Centurion Lounges can be on the small side and there are a limited number of International American Express lounges, so the real value is Delta Sky Club and Priority Pass Select membership.

Pros

Intro bonus of 60,000 Membership Rewards points after you use your new Card to make $5,000 in purchases in your first 3 months.
Priority Pass Select membership offered at no additional cost – lets you visit over 1,000 airport lounges worldwide, including luxurious Centurion Lounges. Unlimited Priority Pass would cost $429.

Cons

Inflexible rewards requirement: American Express? Platinum will not earn rewards on bookings through third-party travel sites

Why 4 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

4 Stars

Perks

5 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	$0
Balance Transfer Fee	N/A
Cash Advance Fee	Either 5% of transaction amount or $10, whichever is greater
Penalty APR	N/A

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Concierge Service

Extended Warranty Program

Travel Accident Insurance

Lost Luggage Reimbursement

Purchase Protection

Travel Assistance

Get Started with American Express Platinum Card

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

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Mastercard Titanium Card Review

Rating: 5 Stars

Bottom Line:
Luxury Travel Perks

Apply Now

Card Details

Regular APR:	16.49% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	0% for first 15 billing cycles for transfers in first 45 days
Rewards Rate:	one (1) point for every one dollar ($1) you spend
Credit Needed:	(740 – 850) Excellent
Annual Fee:	$195 ($95 for each Authorized User added to the account)
Card Brand:	Mastercard

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
one (1) point for every one dollar ($1) you spend
2% Value for Airfare Redemptions: 50,000 points will get you a $1,000 ticket on any airline with no blackout dates or seat restrictions
1% Value for Cash Back Redemptions: Cash back can be deposited directly into a US bank account or applied as a statement credit
Mastercard Titanium Card members receive up to $100 in annual air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more. For your convenience, Luxury Card automatically applies the credit to your account
Luxury Card Concierge can assist you with travel bookings, various personal requests and much more
Mastercard Priceless: Luxury Card members enjoy invitation-only, once-in-a-lifetime experiences. Enjoy a look behind the scenes, sit courtside, see the dress rehearsal before opening night or learn skills from top experts in their trade. Mastercard Priceless delivers exclusive opportunities to go beyond the ordinary
Each year Luxury Card Travel offers you an average value of $500 in travel benefits and services per stay. Amenities and services may include resort or spa credits, complimentary food and beverages, room upgrades and welcome perks.
Unique metal construction: brushed stainless steel front and carbon back

Is Mastercard Titanium Card worth it?

Mastercard Titanium Card is a solid card for luxury consumers. To start, the card offers its own concierge to assist you with travel bookings, various personal requests and much more. The card also offers you an average value of $500 in travel benefits and services per 3-day hotel stay. Amenities and services may include resort or spa credits, complimentary food and beverages, room upgrades and welcome perks. The rewards rate for Mastercard Titanium Card is lower than average: cardholders one point for every one dollar you spend, but for cardholders who take advantage of the perks, the $195 annual fee might be justified.

Pros

Each year Luxury Card Travel offers you an average value of $500 in travel benefits and services per stay. Amenities and services may include resort or spa credits, complimentary food and beverages, room upgrades and welcome perks.
2% Value for Airfare Redemptions: 50,000 points will get you a $1,000 ticket on any airline with no blackout dates or seat restrictions
1% Value for Cash Back Redemptions

Cons

No sign up bonus
$95 for each Authorized User added to the account
Even with 1% cash back redemption and 2% airfare redemption offered by Mastercard Titanium Card, the rewards rate of one point per $1 makes this rewards card below average

Why 5 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

4 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	Either $5 or 3% of the amount of each transfer, whichever is greater
Cash Advance Fee	Either $10 or 5% of the amount of each cash advance, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Baggage Delay Insurance

Cellular Telephone Protection

Emergency Card Replacement

Emergency Cash Advance

Extended Warranty Program

Lost Luggage Reimbursement

Purchase Protection

Roadside Assistance

Travel Accident Insurance

Travel Assistance

Trip Cancellation and Interruption

Get Started with Mastercard Titanium Card

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Mastercard Black Card Review

Rating: 5 Stars

Bottom Line:
Luxury Travel Perks And 1.5% Cash Back

Apply Now

Card Details

Regular APR:	16.49% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	0% for first 15 billing cycles for transfers in first 45 days
Rewards Rate:	one (1) point for every one dollar ($1) you spend
Credit Needed:	(740 – 850) Excellent
Annual Fee:	$495 ($195 for each Authorized User added to the account)
Card Brand:	Mastercard

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
one (1) point for every one dollar ($1) you spend
2% Value for Airfare Redemptions: 50,000 points will get you a $1,000 ticket on any airline with no blackout dates or seat restrictions
1.5% Value for Cash Back Redemptions: Cash back can be deposited directly into a US bank account or applied as a statement credit
Mastercard Black Card members receive up to $100 in annual air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more. For your convenience, Luxury Card automatically applies the credit to your account
Global Entry & TSA Pre Application Credit. With Global Entry, enjoy expedited arrival into the United States from international destinations. Global Entry members are eligible to participate in TSA Pre, an expedited domestic security screening at participating airports in the United States. Luxury Card members receive a one hundred dollar ($100) automatic statement credit for the cost of the Global Entry application fee
VIP Airport Lounge Access with Priority Pass Select – Enjoy complimentary access to more than 1,200 airport lounges around the world with Priority Pass Select regardless of the airline you are flying or class of ticket you have booked. For your convenience, Mastercard Gold Card and Mastercard Black Card members are automatically enrolled in the Priority Pass Select program
Luxury Card Concierge can assist you with travel bookings, various personal requests and much more
Mastercard Priceless: Luxury Card members enjoy invitation-only, once-in-a-lifetime experiences. Enjoy a look behind the scenes, sit courtside, see the dress rehearsal before opening night or learn skills from top experts in their trade. Mastercard Priceless delivers exclusive opportunities to go beyond the ordinary
Each year Luxury Card Travel offers you an average value of $500 in travel benefits and services per stay. Amenities and services may include resort or spa credits, complimentary food and beverages, room upgrades and welcome perks.
Unique metal construction: stainless steel front and carbon back

Is Mastercard Black Card worth it?

Mastercard Black Card is a great card for luxury consumers. To start, the card offers its own concierge to assist you with travel bookings, various personal requests and much more. The card also offers you an average value of $500 in travel benefits and services per 3-day hotel stay. Amenities and services may include resort or spa credits, complimentary food and beverages, room upgrades and welcome perks. The rewards rate for Mastercard Black Card is lower than average: cardholders earn one point for every one dollar you spend, but for cardholders who take advantage of all the perks, the $495 annual fee could be justified.

Pros

Luxury Card members receive a one hundred dollar ($100) automatic statement credit for the cost of the Global Entry application fee
Each year Luxury Card Travel offers you an average value of $500 in travel benefits and services per stay. Amenities and services may include resort or spa credits, complimentary food and beverages, room upgrades and welcome perks.
Receive up to $100 in annual air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more
2% Value for Airfare Redemptions: 50,000 points will get you a $1,000 ticket on any airline with no blackout dates or seat restrictions
1.5% Value for Cash Back Redemptions

Cons

No sign up bonus
$195 for each Authorized User added to the account
Even with 1.5% cash back redemption and 2% airfare redemption offered by Mastercard Black Card, the rewards rate of one point per $1 makes this rewards card below average

Why 5 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

4 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	Either $5 or 3% of the amount of each transfer, whichever is greater
Cash Advance Fee	Either $10 or 5% of the amount of each cash advance, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Baggage Delay Insurance

Cellular Telephone Protection

Emergency Card Replacement

Emergency Cash Advance

Extended Warranty Program

Lost Luggage Reimbursement

Purchase Protection

Roadside Assistance

Travel Accident Insurance

Travel Assistance

Trip Cancellation and Interruption

Get Started with Mastercard Black Card

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Apple Card Review

Rating: 4 Stars

Bottom Line:
Cash back for Apple customers

Apply Now

Card Details

Regular APR:	12.74% – 23.74% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	3% cash back on goods or services purchased directly from Apple. These include purchases from Apple retail stores, the Apple online store, iTunes, Apple Music and other Apple-owned properties and App Store purchases (including In-App Purchases). 2% cash back on Apple Pay Purchase Transactions 1% cash back on all other Purchase Transactions
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$0
Card Brand:	Mastercard

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Apple Card lives on your iPhone, in the Wallet app.
See a charge you don’t recognize – Tap to pinpoint it on a map
When you buy something using Apple Card, you get a percentage of your purchase back in Daily Cash.
We want to make it easier to pay down your balance, not harder. So Apple Card doesn’t have any fees.
When you’re ready to make a payment, Apple Card estimates the interest you’ll wind up paying, based on any payment amount you choose.
All the advanced security technologies of Apple Pay – Face ID, Touch ID, unique transaction codes – are built right in. And the physical card has no numbers
MasterCard is our global payment network, so you can use it all over the world. And for apps and websites that don’t take Apple Pay yet, there’s a virtual card number in the Wallet app that autofills for you when you’re using Safari

Is Apple Card worth it?

Apple Card is a strong card for Apple users who make purchases from Apple regularly, including purchases from Apple retail stores, the Apple online store, iTunes, Apple Music and other Apple-owned properties and App Store purchases (including In-App Purchases). Cardholders who have high spend at retail stores that accept Apple Pay are also in a good position to adopt the card because of the 2% cash back on all Apple Pay purchases.

Pros

3% cash back on Apple purchases
2% cash back on all purchases using Apple Pay
No foreign transaction fee
No annual fee

Cons

Physical version of the card gets 1% cash back – and a lot of retailers only accept the physical version
No balance transfers allowed and no intro APR for financing purchases

Why 4 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

5 Stars

Perks

4 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	No Balance Transfers Allowed
Cash Advance Fee	No Cash Advances Allowed
Penalty APR	None

Benefits

$0 Fraud Liability

Get Started with Apple Card

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