Maybe you just want a metal debit card for bragging rights, or you need a long-lasting card that can keep up with you. The good news is they exist — but metal debit cards are less common than metal credit cards. We’ve rounded up four companies that offer metal debit cards, but be aware that they often come at an extra cost.
A well-known robo-advisor, Acorns offers a checking account with a green, metal debit card. The account is included with all Acorn subscription levels, with no overdraft fees or minimum balance fees. For a bit of a level up, there's also the Mighty Oak debit card, made of tungsten, that comes with either the $6 or $12 Acorns subscription tier. The Mighty Oak card features a matte black finish and your signature laser engraved on the front. Additionally, you can waive the $6 or $12 monthly fee by setting up direct deposit of at least $250 per calendar month.
APY
N/A
Fee
From $3 per month
Minimum deposit to open
$0
A well-known robo-advisor, Acorns offers a checking account with a green, metal debit card. The account is included with all Acorn subscription levels, with no overdraft fees or minimum balance fees. For a bit of a level up, there's also the Mighty Oak debit card, made of tungsten, that comes with either the $6 or $12 Acorns subscription tier. The Mighty Oak card features a matte black finish and your signature laser engraved on the front. Additionally, you can waive the $6 or $12 monthly fee by setting up direct deposit of at least $250 per calendar month.
Pros
Metal card included with all Acorns subscription levels
No extra fee for Mighty Oak
Mighty Oak is tungsten with laser-engraved signature
Waive membership fee with direct deposit
Cons
Mighty Oak black card requires specific membership tiers
Cash App is a fintech, and it offers a Cash App Card linked to your Cash App balance. The card itself can be customized, and you can choose to upgrade from plastic to metal. Pricing details about customizing your Cash App card are limited, but upgrading to a metal card is reported to cost at least $50. Aside from the metal card, Cash App is also popular for quick peer-to-peer payments, and in some states, you can use the app to file taxes and request cash advances.
Fee
$0 per month
Minimum deposit to open
$0
Cash App is a fintech, and it offers a Cash App Card linked to your Cash App balance. The card itself can be customized, and you can choose to upgrade from plastic to metal. Pricing details about customizing your Cash App card are limited, but upgrading to a metal card is reported to cost at least $50. Aside from the metal card, Cash App is also popular for quick peer-to-peer payments, and in some states, you can use the app to file taxes and request cash advances.
Pros
No monthly membership fees
Customization options
P2P payments
Tax filing and cash advances in some states
Cons
$50 for metal card
No physical branches
Annual Percentage Yield (APY)
N/A
Rewards
Save money instantly at selected stores by activating personalized discounts in the app. You can add only one offer to your card at a time
Revolut is a fintech company offering accounts designed for global folks who travel often or move around internationally. You can receive a complimentary metal debit card by opting for the paid Metal plan, which costs $16.99 per month. It is available in several colors, including black, gold, lavender, space gray and rose gold. Made of reinforced steel, the card offers custom etching as well. The Revolut Metal plan also provides several benefits, including up to 4.25% APY on your savings, savings round-ups, subscription service credits, travel insurance, low-fee international transfers, priority customer support and access to Revolut's large network of 55,000 ATMs.
APY
Up to 4.25%
Fee
From $0 per month
Minimum deposit to open
$0
Revolut is a fintech company offering accounts designed for global folks who travel often or move around internationally. You can receive a complimentary metal debit card by opting for the paid Metal plan, which costs $16.99 per month. It is available in several colors, including black, gold, lavender, space gray and rose gold. Made of reinforced steel, the card offers custom etching as well. The Revolut Metal plan also provides several benefits, including up to 4.25% APY on your savings, savings round-ups, subscription service credits, travel insurance, low-fee international transfers, priority customer support and access to Revolut's large network of 55,000 ATMs.
Pros
Reinforced steel card
Multiple colors and custom etching
Up to 4.25% APY on savings
Travel and lost luggage insurance
Large ATM network
Low-cost foreign transfers
Cons
Metal plan costs $16.99/month
No physical branches
Annual Percentage Yield (APY)
4.25% on balances of $0+ 3.25% on balances of $0+
Intro or bonus offer
Get a $10 cash reward when you first use you card on a qualifying $1+ transaction. Terms & Conditions apply.
Fee
From $0 per month
To waive the fee
Open a Standard plan with $0 monthly fee. Paid plans: • $9.99 monthly fee for Premium plan • $16.99 monthly fee for Metal plan
Money loaded on your prepaid card is held at Metropolitan Commercial Bank and money in your Savings Vaults is held at Sutton Bank. Money at each bank is FDIC insured up to $250,000 in the event of Metropolitan Commercial Bank's or Sutton Bank's failure. Securities products are not FDIC Insured, not bank guaranteed and may lose value.
*The Annual Percentage Yield (APY) is a variable rate and may change at any time. These APYs are accurate as of 16 March 2023. Monthly fees apply for Premium and Metal plans. Terms and Conditions Apply. Standard customers can earn up to 3.25%, while Premium and Metal customers can earn up to 4.25%. No minimum amount required. Savings Vault services provided by Sutton Bank, Member FDIC.
Revolut is a financial technology company. Banking services provided by Metropolitan Commercial Bank (Member FDIC) and are subject applicable terms.
While not technically a debit card, Crypto.com offers multiple metal prepaid Visa cards. As prepaid cards, they can be funded using bank account transfers, other cards or cryptocurrency. There are many color options, such as Midnight Blue, Ruby Steel, Royal Indigo, Jade Green, Frosted Rose and more. Each card requires a certain number of CRO tokens to qualify and offers different rewards.
To apply for any of the cards, you must have a Crypto.com App account, possess enough CRO tokens for the specific card and store the tokens in your crypto wallet within the Crypto.com App. The cards have no annual fees, and each can earn different rewards, such as airport lounge access, Spotify and Netflix membership reimbursements and cashback rewards at places like Expedia and Airbnb. But as it is a prepaid card, watch out for reload fees, such as the 1% fee for reloading via an external debit card.
Fee
$0 per month
Minimum deposit to open
$0
While not technically a debit card, Crypto.com offers multiple metal prepaid Visa cards. As prepaid cards, they can be funded using bank account transfers, other cards or cryptocurrency. There are many color options, such as Midnight Blue, Ruby Steel, Royal Indigo, Jade Green, Frosted Rose and more. Each card requires a certain number of CRO tokens to qualify and offers different rewards.
To apply for any of the cards, you must have a Crypto.com App account, possess enough CRO tokens for the specific card and store the tokens in your crypto wallet within the Crypto.com App. The cards have no annual fees, and each can earn different rewards, such as airport lounge access, Spotify and Netflix membership reimbursements and cashback rewards at places like Expedia and Airbnb. But as it is a prepaid card, watch out for reload fees, such as the 1% fee for reloading via an external debit card.
Pros
No annual fees
Multiple metal cards
Membership credits and cashback
Cons
Requires Crypto.com account
Requires CRO tokens
Reload fees
Annual Percentage Yield (APY)
N/A
Fee
$0 per month
ATM transaction fee
$0
Fee
$0 per month
Minimum deposit to open
$0
verified_userFDIC Insured
Are there any other places to get metal debit cards?
Yes! If you’re really intent on getting a metal debit card, many design companies offer custom metal cards using the details of your existing debit card.
In most cases, these companies allow you to submit your own design or choose from a pre-made design. After you choose a design, you “freeze” your existing debit card for safety, ship the card to the company and they’ll make and send you the custom metal card.
Just know that the cost of the metal card could be high, and if you send the card to a company, make sure it’s trustworthy. Custom metal cards can cost anywhere from $50 to $200, depending on the customization options, type of metal and company you choose. You’ll also have to be OK with not having your debit card for as long as the company takes to make the new metal one.
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What is the Finder Score?
The Finder Score crunches over 300 checking accounts from hundreds of financial institutions. It takes into account the product's monthly fees, overdraft fees, opening deposit, customer support options, ATM network and features — this gives you a simple score out of 10.
To provide a Score, Finder’s banking experts analyze hundreds of checking accounts against what we consider is the best option: no monthly fees, no overdraft fees, a large ATM network of 50,000 or more, additional features outside of typical banking services, and the optional perk of earning interest. Accounts that are nearly free to maintain and use are scored the highest, while accounts with costly fees and few features are scored the lowest.
Metal card options are significantly more popular among credit card companies. Traditionally, metal cards are status symbols and are usually geared toward a company’s most “prestigious” customers or highest spenders. After all, metal cards are more expensive to produce than plastic ones.
Metal cards are also much more durable than their plastic counterparts, making them more appealing to frequent spenders or people who are rougher with their cards.
Should I get a metal debit card?
If you really want a metal card, go for it — but we wouldn’t recommend choosing a bank just for the style of the card. Consider the account’s costs, requirements and any additional fees for obtaining a metal card. Very few banks and fintechs offer metal debit cards, so your options are pretty limited, and you’ll want a card that fits your lifestyle — not just your personal style.
Are metal cards free?
Metal cards can be complimentary, like the Revolut metal debit card, which comes with no extra charge with the paid membership. Some metal credit cards are simply included for having that specific card, such as many American Express cards, but these options tend to have high annual fees, so it’s a give-and-take.
Bottom line
If you’re set on a metal card but none of the options are right for you, your next step may be to compare checking accounts that match your lifestyle and then order a custom card using that debit card’s existing details. This way, you can choose an account that fits your needs while getting the fancy metal card you want.
Metal cards are also more commonly offered by credit card companies: compare the best credit cards.
Frequently asked questions
Does Chime have a metal card?
Yes. Chime offers a Limited-Edition Metal Chime Visa® Credit Card – but it’s not a “true” debit card and there are some requirements.
To receive the limited-edition metal card, you first has to have a Chime checking account and the Chime credit-building secured card. Then, you must have received a promotional email with the subject line of “Want a Metal credit card? Look inside regarding the Metal Card Challenge.” Next, you will have to meet activity requirements, such as making a number of qualifying transactions to get the metal card.
What are metal cards made of?
Metal credit and debit cards are often made of tungsten, stainless steel or titanium. If you want to get really fancy, some companies offer gold cards.
Bethany Hickey is the banking editor and personal finance expert at Finder, specializing in banking, lending, insurance, and crypto.
Bethany’s expertise in personal finance has garnered recognition from esteemed media outlets, such as Nasdaq, MSN, Yahoo Finance, GOBankingRates, SuperMoney, AOL and Newsweek. Her articles offer practical financial strategies to Americans, empowering them to make decisions that meet their financial goals. Her past work includes articles on generational spending and saving habits, lending, budgeting and managing debt.
Before joining Finder, she was a content manager where she wrote hundreds of articles and news pieces on auto financing and credit repair for CarsDirect, Auto Credit Express and The Car Connection, among others.
Bethany holds a BA in English from the University of Michigan-Flint, and was poetry editor for the university’s Qua Literary and Fine Arts Magazine. See full bio
Bethany's expertise
Bethany has written 448 Finder guides across topics including:
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Finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. While we are independent, the offers that appear on this site are from companies from which Finder receives compensation. We may receive compensation from our partners for placement of their products or services. We may also receive compensation if you click on certain links posted on our site. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. Finder compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. Please appreciate that there may be other options available to you than the products, providers or services covered by our service.
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