How to Decide Between a Metal Card and a Plastic Card

How to Decide Between a Metal Card and a Plastic Card

When you pull out a metal credit card, it makes a statement: you’re a person who doesn’t follow the crowd. But before you decide on a metal card, make sure to compare rewards, perks and costs.

Remember, a metal card is still a credit card and should be treated with the same care as any other card.

Benefits

A metal card is heftier than plastic cards, adding to the premium feel that comes with holding it. The plunk factor is also a big Metal Card draw for consumers, especially when they are paying a bill in front of family or friends at a restaurant.

Beyond the aesthetic, metal credit cards come with features that make them a great fit for affluent consumers. These include high cash back rates, premium rewards programs and travel protections. They can also come with a welcome bonus and perks such as lounge access and concierge services.

However, the perks that come with most metal credit cards tend to have a price tag attached to them. These may include annual fees that are significantly higher than those of their plastic counterparts. Additionally, it’s important to consider how the card is used before applying for a metal card.

Another issue with metal credit cards is that they are likely to set off metal detectors at airport security and some older credit card terminals. As a result, they may be more difficult to use than plastic credit cards. Also, it’s important to know how to properly dispose of a metal card before it expires or you decide to cancel it. Many card issuers offer a prepaid envelope that you can use to send in your metal credit card for destruction.

Aesthetics

Our eyes are drawn to symmetry, and the design of your metal business card is no exception. By using a unique symmetrical design, you can subtly impress your prospects and clients. In addition, a well-designed card will give the impression of professionalism and strength, which is especially important when dealing with a professional like a lawyer or consultant.

Until recently, most people’s only exposure to metal credit cards was the high-end Centurion Card from American Express, which required good or excellent credit and came with a premium price tag. However, more and more companies are offering their own metal credit cards to the public. Some are pure metal and others use a mix of plastic and metal. Some of these metal credit cards are marketed as a status symbol, while others offer exclusive benefits like zero foreign transaction fees around the world or insurance coverage (including medical and mobile phone) in case you need assistance abroad.

Simone Kliass, a professional voiceover actor, wanted her new Metal Business Card to make a statement. With a clean, matte black finish and custom cut through areas, this stunning card packs a punch of visual impact. Silver laser etching adds depth and contrast to the jagged surface-etched design, while the angled layout creates a sense of forward movement and gives the card a feeling of dynamism.

Durability

Metal cards can look sleek and premium, with some even featuring holograms. But these cards are also much heavier than plastic cards. The weight can make a difference for some cardholders, especially if they are carrying many cards in their wallet.

The first metal credit card to spark excitement was the Centurion Card from American Express, launched in 1999. Also known as the Black Card, this upscale metal card was seen as a status symbol and offered exclusive perks that were appropriate for high-spending cardholders.

Today, metal is becoming more common as a substrate for credit cards, airline and hotel loyalty and membership cards, professional ID cards, and even security ID badges that can be swiped to give access to buildings or restricted areas. But while a metal credit card may convey an impression of luxury and prestige, it is important to remember that these cards also typically come with hefty annual fees and stiff minimum income requirements.

Moreover, the metal card space has become increasingly crowded. Cardholders need to carefully weigh these pros and cons before making a decision. In addition, the durability of a metal credit card can be a drawback as it is difficult to destroy nxp mifare desfire a metal card when it is nearing expiration or if you close your account. You can’t cut a metal credit card with a standard pair of scissors, and most carry a warning that they are not suitable for shredders.

Disposal

While metal credit cards aren’t as common as their plastic counterparts, they can still fall prey to the wrong hands if you don’t dispose of them properly. The best way to do so is to send the card back to the issuer, as many of them will provide you with a prepaid envelope for doing so upon request when a card is canceled or expires.

You can also destroy the card at home with a pair of tin snips, which are shears designed for cutting sheet metal. These are available for purchase at hardware stores and can cut a metal credit card into pieces in no time. However, you should keep in mind that this method may not be as secure as mailing it to the card issuer and could leave it vulnerable to identity theft if it ends up in the wrong hands.

Other DIY methods include using a pair of regular kitchen scissors or feeding a credit card into a paper shredder, which will typically cut it into small pieces. Both of these methods may not be as effective at destroying the card, and you’ll run the risk of it falling into the wrong hands or getting lost in a household mishap.

Alternatively, you can simply stow away the credit card in a safe spot such as a filing cabinet or sock drawer. While this isn’t the most secure option, it may work in the short-term if you want to stop making recurring purchases with the card but don’t want to close the account and hurt your credit score.

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