Looking for a metal credit card with no annual fee? There aren’t many.
We went to each issuer’s own site and found 4 no-annual-fee cards the issuer itself calls metal: the Apple Card, the Gemini Credit Card, the Robinhood Gold Card and the Coinbase One Card. The first two cost you nothing to carry. The other two skip the annual fee but make you pay for a membership, so they aren’t really free.
What about the Amazon Prime Visa, the U.S. Bank Altitude Go and the Verizon Visa? You’ll see them on a lot of “metal card” lists. Verizon says its card is plastic, and the other two issuers don’t say metal anywhere. More on those below.
Metal credit cards with no annual fee, compared
| Card | Metal | Annual fee | Other cost | Rewards | Welcome offer |
|---|---|---|---|---|---|
| Apple Card | Titanium | None | None | 3% at Apple, 2% with Apple Pay, 1% with the titanium card | None listed |
| Gemini Credit Card | Metal, in black, silver or rose gold | None | None | 4% gas, EV and transit (first $300 a month), 3% dining, 2% groceries, 1% everything else, paid in crypto | None listed |
| Robinhood Gold Card | Stainless steel, 17 grams | None | Robinhood Gold membership, $5 a month | 3% cash back on all categories | None listed |
| Coinbase One Card | Stainless steel, 17 grams | None with Coinbase One | Coinbase One membership, from $49.99 a year | 2% to 4% back in bitcoin, based on how much you hold on Coinbase | None listed |
Everything in that table came from the card issuers’ own pages on October 12, 2026. Credit card terms change all the time, so check the issuer’s page before you apply.
Apple Card
This is the easy pick. Apple calls it “the only credit card made of titanium,” and it has no annual, over-the-limit, foreign-transaction or late fees. No membership either.
You get 3% Daily Cash back on what you buy at Apple, 2% on every purchase you make with Apple Card through Apple Pay, and 1% when you use the titanium card itself. A handful of partners like Nike, Uber and Walgreens also pay 3% when you check out with Apple Pay.
The catch? The metal card is the worst way to use it. Swipe the titanium and you earn 1%. Tap your phone and you earn 2%.
It’s built for iPhone, the card has no visible numbers on it, and it’s issued by Goldman Sachs Bank USA. Apple doesn’t list a welcome offer or an intro APR.
Gemini Credit Card
The Gemini Credit Card is the other one that’s really free. Gemini’s help center answers the question directly: “Yes, all approved accounts will have a metal card sent to them.” You pick black, silver or rose gold after you’re approved.
There’s no annual fee and no foreign transaction fee. It’s a Mastercard issued by WebBank.
Rewards are 4% back on gas, EV charging and transit, 3% on dining, 2% on groceries and 1% on everything else. The 4% only covers your first $300 of spending in that category each month, and then it drops to 1% until the next month starts.
One thing to know: your rewards are paid in crypto, and they land in a Gemini account. If you don’t want to hold crypto, this probably isn’t your card. Gemini doesn’t list a welcome offer.
Robinhood Gold Card
The Robinhood Gold Card is stainless steel, weighs 17 grams and pays 3% cash back on all categories. It also has no annual fee.
But you need a Robinhood Gold membership to have it, and Gold is $5 a month. That’s $60 a year by our math. The card requires an active annual Gold subscription and doesn’t come with Gold’s 30 day free trial, so look at the annual price it quotes you when you sign up.
Is it still worth it? At 3% back, you’d make the $60 back after about $2,000 of spending in a year. If you put most of your spending on one card, that’s pretty easy to clear.
A few other catches. You can’t just apply: the button on Robinhood’s page says “Reserve your spot.” You need a Robinhood brokerage account to redeem your cash back. And authorized users get a plastic card, not a metal one.
Coinbase One Card
Same idea as Robinhood, with bitcoin. The Coinbase One Card is stainless steel, 17 grams, and runs on the American Express network. There’s no annual fee and no foreign transaction fee.
It’s only for Coinbase One members, though, and that membership starts at $49.99 a year. Cancel the membership and Coinbase can close your card.
You earn 2%, 2.5%, 3% or 4% back in bitcoin, and the rate depends on how much you keep on Coinbase. The three higher rates cover a combined $10,000 of purchases a month, then you’re back to 2%. Travel booked through Coinbase One Card Travel earns 5%.
Bottom line: if you already pay for Coinbase One, it’s a metal card for no extra money. If you don’t, you’re paying about 50 bucks a year for it.
One more that’s probably metal: the Bilt Blue Card
We didn’t count this one, and here’s why. Bilt’s main card page lists “Stainless steel cards” as a cardholder benefit across its lineup. The Bilt Blue Card’s own page never mentions what the card is made of.
The Blue Card has a $0 annual fee, a $100 Bilt Cash sign-up bonus, and it earns points on rent and mortgage payments with no transaction fee. If the metal matters to you, ask Bilt to confirm it for the Blue Card before you apply.
No-annual-fee cards people think are metal
These show up on metal card lists all over the internet. None of them has an annual fee. But as of October 12, 2026, the issuer either says the card is plastic or doesn’t say what it’s made of at all.
- Verizon Visa Card: plastic. Verizon’s FAQ says the card “is made out of plastic with a red core.”
- Amazon Prime Visa: neither Amazon nor Chase says it’s metal. It’s still a strong card if you shop at Amazon, with a $150 Amazon Gift Card on approval and 5% back at Amazon and Whole Foods Market when you have an eligible Prime membership.
- U.S. Bank Altitude Go: no annual fee, and nothing on the card’s page about metal.
- Amazon Business Prime American Express Card: gone. American Express ended its Amazon business cards in 2026 and U.S. Bank took over. The new Prime Business Card has no annual fee, and its launch announcement doesn’t mention metal.
- Capital One Savor and Quicksilver: $0 annual fee, no mention of metal.
- Wells Fargo Autograph: $0 annual fee, no mention of metal.
- Venmo Credit Card and PayPal Cashback Mastercard: no annual fee, no mention of metal.
Could one of these show up in your mailbox feeling heavier than you expected? Sure. Banks change card stock without announcing it. But if they won’t say it’s metal, we won’t either.
What about metal debit cards?
Two are worth knowing about.
The Cash App Card has a $0 monthly fee, and Cash App offers a metal version. It lists a $50 charge to replace a metal card against $5 for the classic one, so don’t expect the metal to be free. Check the price in the app before you order.
Acorns sends a “heavy metal” debit card with its checking account. That account only comes with a paid monthly Acorns subscription, so it isn’t a no-cost card.
Metal cards that do charge an annual fee
Most metal cards live here. The American Express Platinum Card comes in a classic metal or mirror design and has an $895 annual fee. Bilt’s Obsidian and Palladium cards are $95 and $495. You’re paying for travel perks with those, and the metal comes along for the ride.
Does a metal card actually matter?
Not for your money.
A metal card earns the same rewards as a plastic one. It doesn’t raise your credit limit and it does nothing for your credit score. The two stainless steel cards on this list weigh 17 grams each, and that weight is the whole point: it feels nice when you hand it over.
Issuers know that. Apple talks up titanium’s “beauty and durability,” and Bilt says its metal cards “make a statement wherever you pay.”
So pick the card for the rewards first. If two cards are close and one of them is metal, go ahead and take the metal one.
How we picked
We looked up more than a dozen cards on their issuers’ own product pages, FAQs and help centers on October 12, 2026. A card made the list only if the issuer says in writing that it’s metal and that it has no annual fee. Rewards and offers are listed the way each issuer’s page showed them that day.
We didn’t go by photos, forum posts or other sites’ lists, which is why this list is shorter than most.
Metal credit card FAQ
Is there a metal credit card with no annual fee and no membership?
Yes, two that we could confirm: the Apple Card (titanium) and the Gemini Credit Card.
Is the Amazon Prime Visa a metal card?
Amazon and Chase don’t say. Neither card page describes what it’s made of, so we can’t tell you it’s metal.
Is the Verizon Visa Card metal?
No. It’s plastic, and that comes straight from Verizon’s own FAQ.
Does a metal credit card help your credit score?
No. What the card is made of has nothing to do with your credit. Paying on time and keeping your balance low is what counts.
Which metal card should you get?
If you have an iPhone and want a metal card that costs nothing, get the Apple Card. Just remember to pay with your phone.
Want crypto rewards with no membership? Gemini. Want a flat 3% and don’t mind paying for Robinhood Gold? The Gold Card, once you get off the waitlist.
And if you just want the best rewards for how you spend, don’t worry about the metal at all.
Sources (21)
We use primary sources: each company’s own product pages and legal terms.
- Apple. Apple Card. apple.com. Accessed October 12, 2026.
- Gemini. Gemini Credit Card. gemini.com. Accessed October 12, 2026.
- Gemini. Gemini Credit Card Application Process. support.gemini.com. Accessed October 12, 2026.
- Gemini. Product Overview. support.gemini.com. Accessed October 12, 2026.
- Robinhood. Robinhood Gold Card. robinhood.com. Accessed October 12, 2026.
- Robinhood. Robinhood Gold. robinhood.com. Accessed October 12, 2026.
- Coinbase. Coinbase One Card. coinbase.com. Accessed October 12, 2026.
- Bilt. The Bilt Credit Cards. bilt.com. Accessed October 12, 2026.
- Bilt. The Bilt Blue Card. bilt.com. Accessed October 12, 2026.
- Verizon. Verizon Visa Card FAQs. verizon.com. Accessed October 12, 2026.
- Amazon. Prime Visa. amazon.com. Accessed October 12, 2026.
- Chase. Prime Visa Credit Card. chase.com. Accessed October 12, 2026.
- U.S. Bank. Altitude Go Visa Signature Card. usbank.com. Accessed October 12, 2026.
- American Express. Notice of Important Changes to Your Amazon Business Card or Amazon Business Prime Card Account. americanexpress.com. Accessed October 12, 2026.
- Amazon, via Mastercard. Prime Business and Amazon Business credit cards launch, May 13, 2026. mastercard.com. Accessed October 12, 2026.
- Capital One. Savor Rewards and Quicksilver Rewards. capitalone.com. Accessed October 12, 2026.
- Wells Fargo. Autograph Card. wellsfargo.com. Accessed October 12, 2026.
- Venmo. Venmo Credit Card. venmo.com. Accessed October 12, 2026.
- PayPal. PayPal Cashback Mastercard. paypal.com. Accessed October 12, 2026.
- Cash App. Cash App Card explained. cash.app. Accessed October 12, 2026. Acorns. Checking. acorns.com. Accessed October 12, 2026.
- American Express. Platinum Card. americanexpress.com. Accessed October 12, 2026.