Metal credit cards in Canada are often composed of stainless steel or titanium, and they frequently come with prominent benefits and rewards schemes.
Metal cards are functionally identical to ordinary credit cards, but their weight and appearance set them apart from the standard card fare.
Metal credit cards, like their cousin, the black credit card, were previously unique in Canada and available only to select clients with premium banking packages. However, several other premium credit cards are now constructed of metal. As part of a limited promotion, there was even a prepaid card that could be upgraded to a metal version for a price.
Today, I’ll go over some of the top best metal credit cards in Canada, as well as their distinguished features and costs.
- Learn about the best metal credit cards in Canada, their different features and their cost.
- 7 Best Metal Credit Cards In Canada
7 Best Metal Credit Cards In Canada
Here are a few of the top metal credit cards in Canada that are easily applied for. Other Canadian metal credit cards can need an invitation or a particular client status, which will not be covered in this piece.
#1. American Express Aeroplan Reserve Card
This card is the AmEx equivalent of the TD Aeroplan Visa Infinite Privilege Credit Card, which I discussed before in this article. If you fly Air Canada or are simply interested in the fantastic point, insurance, and travel incentives that come with this card, I highly suggest it.
The benefits of this card, like those of the other premium, metal credit cards on this list, are numerous. If you are cognizant of taking advantage of these benefits, the $600 annual charge may be worthwhile and save you money year after year.
- Earn up to 3x points on Air Canada and 2x points on other qualified purchases (minimum 1.25 points per $1 spend).
- Crafted from precision-cut and etched metal (13 grams)
- Access to the annual Worldwide Companion Pass
- Access to the Maple Leaf Lounge
- The first checked bag is complimentary for up to eight passengers.
- Airport Priority Services (expedited security lane, etc.)
- Extensive travel and shopping insurance
- Access to presale and reserved tickets
- $599 per year
- 19.99% interest on purchases and 21.99% interest on cash advances
- $199 per annum for each additional Aeroplan Reserve Card (a no-fee option is also available)
#2. HSBC Jade World Elite Mastercard
HSBC Jade membership grants you access to lifestyle services from third-party providers (referred to as “Lifestyle Partners”), special discounts on HSBC offers, and access to special financial products such as this HSBC Jade World Elite Mastercard.
- Receive 3% in travel rewards (six points per $1 spent)
- $200 yearly travel enhancement credit
- No foreign exchange (FX) fee
- Complimentary Dragonpass membership for lounge access
- Free supplemental cards
- 31 day travel insurance coverage • $299 per year (possible to have an annual fee rebate)
- Must be a Jade customer with an $80,000 gross personal income or a minimum $150,000 yearly household income to be eligible •
- 19.90% interest on purchases and 22.90% interest on cash advances and balance transfers.
If you have an HSBC Jade account, this Jade World Elite Mastercard may be a good choice for you. The following are the requirements for Jade membership at HSBC.
- Be an HSBC Premier client.
- Have a minimum of $1 million in personal deposits/investments or a minimum of $500,000 in personal deposits/investments combined with a minimum of $1.5 million in the residential mortgage balance
#3. TD Aeroplan Visa Infinite Privilege Credit Card
If you frequently fly with Air Canada, TD’s Aeroplan Visa Infinite Privilege card is the premium card for you.
Despite its $600 annual fee, the card can be a valuable addition to your wallet thanks to its excellent insurance, point rewards, and airport and lounge access.
This is one of the most prestigious credit cards available from TD. To be considered for this credit card (or a $200,000 annual household income), candidates must demonstrate a $150,000 personal income each year (or a $200,000 annual household income).
The monthly credit limit for this card is $10,000.
- Priority boarding, bag handling, and airport upgrades.
- Access to Maple Leaf and Dragonpass lounges.
- Starbucks “Star” point benefits and a free Uber subscription.
- Up to $100 in NEXUS application cost reimbursement.
- Up to 2 Aeroplan points for every $1 spent.
- $1,500 in mobile device insurance
- Discounts at Rocky Mountaineer, Avis, and Budget Rent-A-Car
- Additional cardholders are $199 each
- The annual fee is $599
- The purchase interest rate of 19.99% and cash advance interest rate of 22.99%
- A personal income of $150,000 per year or a household income of $200,000 per year is required.
#4. BMO Eclipse Visa Infinite Privilege Card
Another major bank choice for the best metal credit cards in Canada is the BMO Eclipse Visa Infinite Privilege Card. If you take advantage of the 200dollar travel credit each year, the yearly price drops to $299 right away, which is fantastic.
With this card, you can also earn significant points that can be applied to any travel, commerce, or credit card bill. The bundled insurance is quite extensive, which is fantastic.
To be eligible for this card, you must have a minimum of $150,000 in gross yearly individual income. A $200,000 household income is also acceptable.
- Up to five times the points per dollar spent
- $200 annual travel credit
- Visa Airport Companion membership and six complimentary airport lounge visits each year
- airport parking, Priority Security Pass, and valet service advantages at airports
- Concierge service access
- Insurance for travel, mobile devices, and shopping
- 25% additional points when you add authorized users to the card
- 20.99% interest on purchases and 23.99% interest on cash advances
- $499 per year
- A minimum annual individual income of $150,000 (or a household income of $200,000) is required
#5. American Express Gold Rewards Card: Best Overall
One of the best metal card alternatives in Canada is the Gold Rewards Card from American Express, which has one of the lowest annual fees, fantastic travel and reward benefits, and comprehensive travel insurance.
The travel benefits offered by this card are particularly outstanding because you receive $100 per year toward one travel reservation, instantly raising the annual cost to $150.
- Up to 2x points on travel, grocery, gas and drugstore expenditures in Canada
- Made with 13 grams of stainless steel-metal; available in gold or rose gold
- $100 per year in travel credits
- Access to international airport lounges
- extensive travel and shopping insurance
- presale and reserved-ticket access to performances
- a free second Gold Rewards card
- an annual fee of $250
- no minimum income requirement
- interest rates of 20.99% on purchases and 21.99% on cash advances.
#6. CIBC Aventura Visa Infinite Privilege Card
With this Visa Infinite Privilege Card, you’ll get three points for every $1 spent on travel purchased through CIBC’s Reward Centre, two points for eating, entertainment, gas, transit, and groceries, and 1.25 points for everything else.
In addition, the card provides up to 10 cents off each litre at Chevron, Pioneer, Fas Gas, and Ultramar gas stations, which is fantastic.
Aside from mobile device and shopping insurance (such as an extended warranty), this card also has excellent travel insurance, which includes medical insurance, trip cancellation and interruption insurance, flight and baggage delay insurance, auto rental collision insurance, hotel burglary insurance, and common carrier accident insurance.
- Earn up to three Aventura points for every dollar spent
- Airport lounge benefits • Up to nine extra cards ($99 each) are available
- Visa Infinite Privileges for hotels and travel
- Rebates on NEXUS application fees • Travel and mobile device insurance
- $499 per year (with a CIBC Smart Plus checking account, an annual fee rebate of up to $139 is possible).
- 20.99% purchase interest and 22.99% cash advance interest
- A minimum yearly household income of $150,000 or $200,000 is required
#7. American Express Platinum Card
This is one of the most prestigious credit cards available to the general population.
The benefits of this card are numerous, but we’ll start with the excellent point system, travel perks/discounts, extensive insurance, the 24/7 concierge service, access to presale and reserved tickets to shows and events, no spending restrictions, hotel perks/discounts, and NEXUS fee rebates.
The card is also precisely cut and engraved with your name, lending weight and quality to your wallet.
If you can afford the $700 annual cost and are serious about making use of this card’s amazing features, I highly suggest it.
- No predetermined spending limit (pay off as you spend)
- Precision-cut and specially-engraved
- Annual travel credit of $200
- Up to three times the points for every dollar spent
- Broad travel and shopping insurance
- Event and lounge benefits
- $175 per annual for each additional Platinum card (Gold cards are $50 per year).
- 24-hour Platinum Concierge service
- Annual charge of $699
- No minimum income requirement
In order to obtain a metal credit card in Canada, you don’t need to do anything unusual to obtain a metal credit card. Simply apply for and be approved for one of the credit cards listed above, and you will receive a metal card.
Which credit card is made out of metal?
Both the Chase Sapphire Preferred and the Chase Sapphire Reserve are constructed of metal.
Does TD have any metal credit cards?
American Express, CIBC, TD Canada Trust, and Bank of Montreal (BMO) are the four financial companies in Canada that provide personal metal credit cards.
Does RBC offer a metal card?
The RBC Avion Visa Infinite Privilege for Private Banking, as the name suggests, is a metal credit card made especially for private banking clients. This card delivers 1.25 points for every $1 spent, which may be redeemed for gift cards, products, travel or flights, and so on.
What are the hardest credit cards to get in Canada?
The American Express Black Card. The American Express Centurion Card, often known as the AMEX Black Card, is the most prestigious and exclusive credit card available.
Is CIBC Aeroplan card metal?
CIBC also offers a metal Aeroplan Visa Infinite Privilege card with the same yearly cost and nearly comparable rewards.
Which BMO cards are metal?
Card BMO eclipse Visa Infinite Privilege
Only the BMO eclipse Visa Infinite Privilege Card is made of metal.
You can learn more from the video below:
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