To make comparing even easier we came up with the Finder Score. Costs, perks and suitability across 120+ cards are all weighted and scaled to produce a score out of 10. The higher the score the better the card – simple.
Read the full methodologyApproval for any credit card depends on your status. The representative APRs shown represent the interest rate offered to most successful applicants. Depending on your personal circumstances, the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow. Most of the data in Finder's comparison tables is provided by Moneyfacts.
Poor old plastic seems to be Public Enemy No.1 right now. Meanwhile, new challenger banks are fighting it out with the incumbent giants and everybody’s trying to stand out with the most garish and best looking credit cards. Cards with no numbers on them, cards that are portrait not landscape… It’s like being back at school, where your pencil case was a crucial part of your identity.
But for the ultimate in style, luxury and durability, surely it has to be metal. Aside from being a head-turner when you use it, chances are a metal credit card will come with generous rewards and travel perks.
It all comes at a cost though: you’ll need to pay an annual or monthly account fee, and that means weighing up just how badly you want to look the bee’s knees.
Sadly, right now, your options are pretty restricted when it comes to metal credit cards in the UK, but Revolut and others offer perk-laden prepaid cards that are as metal as horseshoes.
Metal credit cards are genuinely made of metal – typically stainless steel or another alloy. These cards tend to offer rewards and perks such as loyalty points or airport lounge access.
Getting serious for a second, the physical make-up of your card shouldn’t be your main concern.
Like almost all credit cards, if you don’t carry a balance from month to month, you’ll avoid interest altogether, thanks to the interest-free grace period on purchases. But when you do carry a balance on a rewards card, what you pay in interest almost always outweighs any rewards you earn. If there’s a monthly/annual fee, you should try to put a value on the rewards and benefits that you’ll realistically use, to decide if it’s a smart choice.
Metal credit cards gained popularity because they look and feel luxurious. After all, once you put the metal card on the counter it tends to get noticed. However, metal cards are heavier than plastic and they can weigh down your wallet – especially if you have more than one. They could also, depending on the type of metal used, set off airport metal dectors when passing through security.
Well, if you don’t mind shelling out £18,750 for one, then the Royal Mint has teamed up with Mastercard and the payments tech outfit Accomplish Financial to bring you the “Raris” card – an 18-carat golddebit card. It’s built on a World Elite account and comes with the perk/consolation of fee-free spending abroad. If the price tag on the Raris card puts you off, then you could still consider the not-gold-but-still-exceedingly-premium World Elite Mastercards from HSBC, Santander, Lloyds or Halifax.
If you need to destroy your metal card after you close the account, cutting it with tin snips or melting it could work, but could take more time than necessary or burn your house down.
Mailing it back to the bank is a safe option. If you’re getting a replacement card, some banks will send you a return envelope for your old card. If yours doesn’t, you could call it and ask how to return the card or dispose of it.
With a charge card, you won’t be able to carry an outstanding balance from month to month – you’ll need to pay off your spending each statement cycle, and in return won’t be charged interest (although there may be an account fee).
If a particular credit card isn’t a good fit for you, it doesn’t really matter if it’s metal or plastic. If none of the cards here look appealing to you, check out our comparisons and reviews of all UK rewards, frequent flyer and cashback credit cards to find an alternative.
| Response | % of respondents |
|---|---|
| A transparent credit card | 16.00% |
| A retro credit card | 12.00% |
| A personalised credit card | 20.00% |
| A neon credit card | 8.00% |
| A metal credit card | 14.00% |
| A gold credit card | 18.00% |
| A black credit card | 12.00% |
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