What Credit Score Is Needed for a Metal Card? (2024)
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A credit score of 700 or higher is needed to get a metal card in most cases, as metal credit cards typically require good or excellent credit for approval. The higher your credit score is, the more favorable your odds of approval for a metal card will be.
If you don't have a credit score of 700 or above, it's unlikely you'll qualify for a metal card. You can check your score for free on WalletHub. Pick a metal card that suits your needs. Many of the best metal credit cards offer lucrative rewards in exchange for a high annual fee.
There are several metal credit cards available for consumers to apply for. Simply find the one that works best for you and apply for it. You'll also need to have a good enough credit score to be approved for the metal credit card that you want.
Having a metal credit card means you're likely a big spender who has good or excellent credit and travels frequently. Metal credit cards are often targeted to people who travel a lot, as they tend to come with attractive perks like free access to airport lounges and travel statement credits.
This is an invite-only card for those with a minimum of $10 million in assets managed by J.P. Morgan's private bank. It ranks up there with the Centurion® Card from American Express in terms of exclusivity. It does offer valuable benefits that justify its annual fee of $550 ($75 for each additional user).
Most of the top travel credit cards, particularly the luxury options with high annual fees, are made of metal. Not everyone needs a high-priced credit card. If you don't want to pay a fee for a credit card, or you don't spend enough for an annual fee to be worth it, then you're better off with a no annual fee card.
Yes, Capital One offers three metal cards. The Capital One metal credit are the Capital One Venture X Rewards Credit Card, Capital One Venture Rewards Credit Card and Capital One Savor Cash Rewards Credit Card, among others.
If you're struggling to get approved for your first credit card, the OpenSky® Secured Visa® Credit Card could be a good option. According to its website, based on Q1 2024, the average approval rate of this card is 89.35%.
The Discover it® Secured Credit Card is our top pick for easiest credit card to get because it's geared toward those with limited / poor credit. It offers great rewards and charges a $0 annual fee. Plus, Discover will conduct monthly account reviews after seven months to see if you qualify to get your deposit refunded.
Discover doesn't require a specific credit score. However, a high score expands your options. If your credit score isn't as high as you'd like it to be, you may still qualify for student and secured credit cards.
Discover doesn't publish an official minimum credit score requirement for its cards, but certain products are designed for people with bad credit. A secured credit card, such as the Discover it Secured Credit Card, is easier to get and could be an option if your credit score is around 640.
You'll want to have at least a 690 credit score before applying for the card. So, you may need to work on building your credit score before applying for the card. And even still, excellent credit is not always a guarantee of approval.
Although offered by a number of card issuers, they are still relatively rare and may turn a few heads. Sure, they are eye-catching, but metal credit cards are also heavier and sturdier than traditional plastic cards, making them the preferred choice for some people.
Metal credit cards are typically standalone cards with unique features, benefits, fees and conditions. They're only available to those who specifically apply for one and meet qualification requirements. Some highly exclusive cards (like the Centurion) are available by invitation only.
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