Best Metal Credit Cards in Canada

10 Best Metal Credit Cards in Canada in 2025

Metal credit cards have become a symbol of prestige and luxury in the financial world, offering not only a sleek design but also a host of premium benefits.

In Canada, several metal credit cards stand out for their exceptional rewards and features.

Here’s a curated list of some of the top metal credit cards available to Canadians:

1. Metal Card Studio Credit Cards

Metal credit card

If you’re looking for a fully-personalized metal credit card, Metal Card Studio is the best option. They convert your existing plastic credit or debit card into a custom metal card. You can choose one of their premade designs or design your own fully-custom card.

Benefits of choosing Metal Card Studio:

  • No minimum income required.
  • No credit checks or minimum credit score.
  • No annual fees.
  • Fastest way to get a new metal credit card without the hassle.

2. American Express Platinum Card

  • Welcome Bonus: Up to 100,000 Membership Rewards points—70,000 points after spending $10,000 in the first three months, plus 30,000 points when you make a purchase between months 14 and 17.
  • Rewards: Earn 2x points on dining and travel, and 1x points on everything else.
  • Perks: Access to over 1,300 airport lounges worldwide, $200 annual travel credit, $200 annual dining credit, hotel upgrades, and premium concierge service.
  • Annual Fee: $799.
  • Requirements:
    • Credit Score: 700+ (Good to Excellent)
    • Income: No strict requirement, but recommended $60,000+ personal or $100,000+ household

3. American Express Aeroplan Reserve Card

  • Welcome Bonus: Up to 90,000 Aeroplan points—65,000 points after spending $7,500 in the first three months, plus 25,000 points after spending $2,500 in month 13.
  • Rewards: Earn 3x Aeroplan points on Air Canada purchases, 2x on dining and travel, and 1.25x on everything else.
  • Perks: Free first checked bag on Air Canada flights, priority airport services, access to Air Canada Maple Leaf Lounges, and unlimited visits to American Express Centurion Lounges.
  • Annual Fee: $599.
  • Requirements:
    • Credit Score: 700+ (Good to Excellent)
    • Income: No strict requirement, but $60,000+ personal or $100,000+ household recommended

4. TD Aeroplan Visa Infinite Privilege Card

  • Welcome Bonus: Up to 85,000 Aeroplan points—20,000 points upon first purchase, 35,000 points after spending $12,000 in the first 180 days, and 30,000 points after spending $24,000 in 12 months.
  • Rewards: Earn 2x Aeroplan points on Air Canada purchases, 1.5x on gas, groceries, and travel, and 1.25x on all other purchases.
  • Perks: Six annual visits to Visa Airport Companion lounges, priority boarding and check-in on Air Canada flights, free first checked bag, and travel insurance.
  • Annual Fee: $599.
  • Requirements:
    • Credit Score: 740+ (Excellent)
    • Income: $200,000+ household

5. KOHO Metal Mastercard

  • Welcome Bonus: None (prepaid card).
  • Rewards: Earn 2% cash back on groceries, dining, and transportation, plus 4% interest on your entire balance.
  • Perks: No foreign transaction fees, free financial coaching, and a complimentary 3 GB eSIM per month.
  • Annual Fee: Included with the KOHO Everything yearly plan ($84 per year or $9 per month).
  • Requirements:
    • Credit Score: Not applicable (no credit check)
    • Income: No requirement

6. American Express Business Platinum Card

  • Welcome Bonus: Up to 120,000 Membership Rewards points—90,000 points after spending $10,000 in the first three months, plus 30,000 points after renewal.
  • Rewards: Earn 1.25x points on all purchases.
  • Perks: Access to over 1,300 airport lounges, a $200 annual travel credit, flexible redemption options for business travel, and premium business concierge service.
  • Annual Fee: $499.
  • Requirements:
    • Credit Score: 700+ (Good to Excellent)
    • Income: No specific requirement, but must be a registered business owner

7. CIBC Aventura Visa Infinite Privilege Card

  • Welcome Bonus: Up to 50,000 Aventura points—20,000 points upon first purchase and 30,000 points after spending $3,000 in the first four months.
  • Rewards: Earn 2x Aventura points on travel, 1.5x on dining, gas, groceries, and drugstores, and 1x on all other purchases.
  • Perks: Four complimentary airport lounge visits per year, priority airport services, and comprehensive travel insurance.
  • Annual Fee: $499.
  • Requirements:
    • Credit Score: 740+ (Excellent)
    • Income: $200,000+ household

8. RBC Avion Visa Infinite Privilege

  • Welcome Bonus: 25,000 Avion points upon approval.
  • Rewards: Earn 1.25x Avion points on all purchases.
  • Perks: Priority airport services, access to Avion travel benefits, and comprehensive travel insurance.
  • Annual Fee: $399.
  • Requirements:
    • Credit Score: 740+ (Excellent)
    • Income: $200,000+ household

9. HSBC World Elite Mastercard

  • Welcome Bonus: Up to 80,000 HSBC Rewards points—20,000 points upon first purchase, 40,000 points after spending $5,000 in six months, and 20,000 points on the first anniversary.
  • Rewards: Earn 6x points on travel purchases, 3x on dining and entertainment, and 1x on everything else.
  • Perks: $100 annual travel enhancement credit, no foreign transaction fees, and access to over 1,000 airport lounges worldwide.
  • Annual Fee: $149.
  • Requirements:
    • Credit Score: 700+ (Good to Excellent)
    • Income: $80,000+ personal or $150,000+ household

10. BMO eclipse Visa Infinite Privilege Card

  • Welcome Bonus: Up to 90,000 BMO Rewards points—50,000 points after spending $6,000 in the first three months, plus 40,000 points on the first anniversary.
  • Rewards: Earn 5x points on dining, groceries, gas, travel, and drugstore purchases, and 1x on everything else.
  • Perks: $200 annual lifestyle credit, Visa Airport Companion membership with six free lounge visits, and comprehensive travel insurance.
  • Annual Fee: $499.
  • Requirements:
    • Credit Score: 740+ (Excellent)
    • Income: $150,000+ personal or $200,000+ household

Everything You Need to Know About Metal Credit Cards

Metal credit cards combine style, durability, and premium perks, offering an elevated cardholder experience. But beyond their sleek and weighted design, how do they differ from traditional credit cards? Before applying, it’s important to consider eligibility requirements, fees, and rewards.

What is a Metal Credit Card?

Metal credit cards are typically crafted from titanium or stainless steel, giving them a distinctive, high-end feel. Just like standard credit cards, they come with credit limits, interest rates, and rewards programs.

However, some metal cards come with higher income requirements in exchange for exclusive perks, such as luxury travel benefits, concierge services, and superior rewards programs.

How to Get a Metal Credit Card

The application process varies by issuer, but here’s a general overview:

  1. Compare Card Options – Review the fees, interest rates, and rewards to find the best fit.
  2. Check Eligibility – Metal cards often have strict credit score and income requirements. You can check your credit score for free through Equifax or TransUnion.
  3. Apply Online or In Person – Submit your application and wait for approval.

Eligibility for Metal Credit Cards in Canada

To qualify for a metal credit card in Canada, you typically need to meet the following requirements:

✔ Canadian residency with sufficient credit history.
✔ Age of majority in your province or territory.
✔ Credit score of at least 660.
✔ Minimum income requirement (often $150,000 for individuals or $200,000 for households).

Metal Debit Cards in Canada

Metal isn’t just for credit cards—metal debit cards are also available. However, Canada’s Big Six Banks don’t currently offer them, so you’ll need to go through a third-party provider such as Metal Card Studio to converts your plastic debit card into metal.

Custom Metal Cards

Want a custom metal credit or debit card? Third-party providers offer personalized metal card conversions. Before ordering, check reviews on Google to ensure legitimacy.

Metal Card Studio is a Canadian-based company with a 5-star rating on Google.

How It Works:

  1. Choose a Design – Pick a metal card style from Metal Card Studio’s website and place an order.
  2. Mail Your Card – Send in your plastic debit or credit card.
  3. Receive Your Metal Card – Your new metal card (and old plastic card) is mailed back to you.

Who Offers Metal Credit Cards?

For security and reliability, getting a metal credit card directly from a recognized financial institution is a safer option. Here are the banks and issuers currently offering metal cards in Canada:

Metal Visa Cards in Canada

  • BMO eclipse Visa Infinite Privilege
  • CIBC Aventura Visa Infinite Privilege
  • CIBC Aeroplan Visa Infinite Privilege
  • TD Aeroplan Visa Infinite Privilege

American Express Metal Cards

  • The Platinum Card®
  • Business Platinum Card®
  • American Express Aeroplan Reserve Card
  • American Express Aeroplan Business Reserve Card
  • American Express Gold Rewards Card
  • American Express Centurion Card (Invitation-only titanium charge card)

Metal Mastercards

Currently, no metal Mastercards are available in Canada. If you’d like to transform your existing Mastercard into metal, visit metalcardstudio.com.

Limited Edition Metal Cards

From time to time, special limited edition metal cards become available:

  • Wealthsimple Cash Visa (previously available in tungsten)
  • KOHO Prepaid Metal Cards (gold and pink limited runs)

Frequently Asked Questions

A metal credit card functions like a regular plastic credit card, but it’s typically made with a metal core, such as stainless steel or brass. What sets these cards apart is their noticeable weight and solid feel, which give them a more substantial and premium quality. Designed to convey exclusivity and prestige, metal credit cards offer both enhanced durability and a touch of luxury.

While metal cards are often linked to high-end or premium offerings from financial institutions, companies like Metal Card Studio Inc. have recently begun offering services to convert standard plastic cards into metal ones, making this upgrade more accessible.

To get a metal credit card, you can go through the traditional route of applying for one at a financial institution such as American Express, CIBC, TD, or BMO. However, these cards often require a high income ($150,000+), high annual fees, and a high minimum annual spend in order to keep the card.

Alternatively, you can trust Metal Card Studio to convert any ordinary plastic credit card into a custom metal credit card for you at a low one-time cost.

Our process is quick, easy, and secure!

Once we receive your credit or debit card, we extract the EMV chip and magnetic stripe data and transfer them to your new metal card. Afterwards, we’ll engrave your chosen design onto the front and back of the card. We then ship both cards back to you via free UPS shipping.

We have strict policies in place to ensure that your card information is kept secure at all times, and will never be misused.

Once we receive your card in the mail, we perform the transfer on the same day. We’ll then ship it back to you via free UPS shipping which typically takes:

  • 1 to 2 days in Canada
  • 2 – 3 days in the US
  • 5 – 7 days everywhere else

Need your card quicker? We offer faster shipping options for a premium.

Yes! We’re currently taking appointments only. Send us a message if you’re interested.

Absolutely! Metal Card Studio Inc. is a registered Canadian corporation. We have strict policies in place to ensure that none of your card information is stored or misused.

Once the procedure is complete, we’ll mail your old card and your new card back to you.

Learn more about how we keep your card safe.

It’s highly illegal to steal and misuse someone else’s credit card information. The consequences involve severe fines and imprisonment and we’d like to avoid both!

All of our staff are trained on how to safely handle your credit card details.

Learn more about how we keep your card safe.

Our cards are made of solid metal, which cannot tap.

Plastic credit cards have antennas built into the cards that enable them to support contactless payment. These antennas cannot be carried over to solid metal cards.

It’s a small sacrifice in exchange for a premium, heavy metal credit card.

While tap won’t work with your new card, you can still connect your card to Google Pay or Apply Pay for the contactless payment functionality.

Please visit our return policy page to learn more.

We understand that credit cards expire! We offer a discount for credit cards that expire within 2 years of your order date. We’re happy to engrave a completely new card for you for just $89 CAD + tax.

We can either reuse the design of your expired metal credit card, or you can select one of our pre-made designs.

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