Best metal credit cards with no annual fee – Everything You Need To Know

Looking for the best metal credit cards with no annual fee is rare to have, but not impossible, if you choose the right available options. A metal card not only gives you a chance to leave your impression in front of the crowd also creates a respected image among people. However, if you are still wondering how to and which card is better for you, don’t worry. 

In the article, we will discuss about best metal credit cards for you and how you can get the best deal for you. Therefore, stay with us if you want to know everything in detail. 

Best Metal Credit Card Without Annual Fees

Below, we have listed some of the best metal credit cards with no annual fee for you. Also, you will get to know all the features related to the cards. Have a look for a better understanding. 

• Apple Metal Card

• It doesn’t require any annual charge, and also, you don’t have to pay a foreign transaction fee. 
• The physical Card is made of titanium. 
• Get 3% cashback when you buy at Apple, and also, get 2% cashback when you use your Apple Pay with your Apple Card.  
• The card is ideal for those who have heavily invested in Apple and want to pay no annual fee. 

• Pros

• Comes with no annual fee. 
• Offer unlimited daily cash back
• Provide excellent integration with iPhone Wallet and Apple Pay. 
• No foreign transaction fee.

• Cons
  • Provide lower rewards on non-Apple Pay purchases. 
  • Offer value mostly for Apple users. 
  • Offer no traditional travel or bonus benefits, accept cash back. 

• Eligibility Criteria 
  • The user must be above 18 years old. 
  • Must be a U.S. citizen with a valid address. 
  • To apply through the wallet requires an iPhone or iPad. 

• Amazon Pay Visa Card 

• Do not charge any annual fee 
• Issued on the Visa network and widely accepted
• Offer attractive cashback, like Amazon.com offers 5% cashback.  Amazon Fresh and Food Market. Moreover, offer cashback on Chase travel purchases. 
• If you are looking for a card with strong cashback in e-commerce, this card can be ideal for you. 

• Pros
  • No annual fee.
  • Offer 5% cashback on Amazon and Whole Foods purchases for Prime members.
  • No foreign transaction fees. 
  • Offers Visa Signature benefits.

• Cons 
  • The user must have an Amazon Prime membership. 
  • Comes with lower rewards on non-Amazon spending.
  • Ideal for Amazon-centric shoppers. 

• Eligibility Criteria
  • The card required good to excellent credit (670+).
  • Requires an active Amazon Prime Membership to get a 5% rate. 
  • The good history of on-time payments and income helps to get approval. 

• Robinhood Credit Card

• There is no annual fee for the card, but it requires you to be a Robinhood Gold subscriber. 
• Offer attractive rewards. Receive 3% cash back on most purchases. 
• Get 5% cashback if you book your travel through the Robinhood travel portal. 

• Pros 
  • Comes with no annual fee.
  • offer 3% cashback on all purchases 
  • 5% cash back on travel booked by the Robinhood portal.
  • No foreign transactions.

• Cons 
  • The card required a Robinhood Gold Membership.
  • May offer limited additional card benefits. 

• Eligibility Criteria
  • To receive the card, you must be a Robinhood Gold member. 
  • Before approval, the issuer reviews creditworthiness. 
  • Usually requires residency and SSN/tax ID.

• Bilt World Elite Mastercard 

• No annual charge for users
• Provide 1 point per $1 spent on rent payments via the Bilt app or website for cardholders. 
• Offer 3 points per 1$ of dining and provide 2 points per 1$ travel booked via the Bilt portal.  

• Pros
  • Comes with no annual fee 
  • Offer 3x points on dining, 2x on travel, and 1x on rent and everyday. 
  • The points can be transferred to travel partners.
  • Offer an easy way to rent without going through any typical process. 

• Cons
  • offer the best value, especially if you rent or dine frequently. 
  • Offer a limited welcome bonus.
  • Required excellent credit to get approval.

• Eligibility Criteria 
  • Must have a U.S. address and tax ID.
  • Required excellent credit, like 720+.

• US Bank Smartly Visa Signature 

• Charge no annual fee.
• Offer unlimited 2% cashback on every purchase. 
• Ideal for everyday use. 

• Pros
  • Comes with no annual fee.
  • Offer unlimited 2% cashback on all purchases.
  • Offer up to 4% cashback with a qualifying Smartly account balance. 
  • Comes with simple flat-rate rewards.

• Cons 
  • One must meet savings balance requirements for max 4% smartly.
  • The rewards rate may be less competitive than that of bonus category cards for specific spends. 
  • May have credit approval requirements. 

• Eligibility Criteria 
  • The approval is based on your creditworthiness. 
  • The account holder may need to link Smartly checking or savings to get the top cash back. 
  • The user should have U.S. residency and a required tax ID. 

These are some of the best metal credit cards with no annual fee, which offer attractive cashback and are ideal for daily use. 

How to Decide Which Metal Credit Card is Good For You?

Below, we have listed some of the important points for you that will help you choose the best metal credit card for you. Have a look at it. 

• Go For Apple Card if: – 

• If you use an iPhone and Apple Pay regularly. 
• You shop at Apple or partner merchants. 
• If you are looking for a clean design and simple rewards for your regular purchases. 

• Go for the Amazon Prime Visa Card If: – 

• If you often shop on Amazon or Whole Foods. 
• Or if you already have an Amazon Prime membership. 
• Looking for high rewards (5%) on Amazon  

• Choose Bilt Mastercard If: – 

• If you often spend on travel and dining, this card is ideal for you. 
• Pay your rent every month. 
• Or, you want to earn points on rent (No fee). 

• Choose Robinhood Gold Card if: – 

• If you are looking 3% cashback everywhere. 
• If you are ready to pay for paying Robinhood Gold card membership. 
• You prefer flat rewards on all your purchases. 

• Go For the U.S. Bank Smartly Visa Signature Card If: – 

• If you are looking 2% cashback on every purchase. 
• If you have money deposited with U.S. Bank. 
• If you are looking for higher rewards based on your bank balance. 

These are some of the important points that will help you to grab the best deal before stepping ahead with the best metal credit cards with no annual fee. 

Things to Consider Before Applying for a Metal Credit Card

There are some things that one should consider before applying for the best metal credit cards with no annual fee. 

1. Check for the annual fee—There are several cards that come with higher annual fees. 
2. Credit Score Requirement—Remember, most of the metal credit cards require a good to excellent credit score to get approval. 
3. Rewards and Benefits—Before applying, evaluate if the cards’ cashback, travel points, or perks align with your spending habits. 
4. Interest Rates—Metal cards with high APR can be expensive; that’s why you should check the purchase APR and balance transfer rates. 
5. Foreign Transaction Fees—If you love to travel internationally, make sure the card you are applying for has no foreign transaction fee. 
6. Introductory Offers and Bonuses—Go for those that offer welcome bonuses, 0% APR offers, or promotional points. 

These are some points that everyone should consider before applying for the best Metal credit card.

How to Apply for a Metal Credit Card?

Below, we have listed all the steps that will help you to easily apply for the best metal credit card: 

1. Check The Eligibility Criteria – 

• Have a valid U.S. Social Security Number or ITIN. 
• Should be more than 18 years old.
• Should have a good or excellent credit score. 

2. Gather Personal Information

• Your full name, current address, and date of birth.
• SSN/ITIN.
• Your employment status and annual income. 
• Your housing information. 

3. Visit the Official U.S. Bank Website 

• Go to the official site of the bank.
• Navigate to the card you want to apply for.
• Click “Apply Now.”

4. Complete Application Form

• Complete the form by entering your personal information and financial information that is required. 
• Review your details, especially your income and SSN entries. 

5. Submit Your Application

• Once the form is completed, submit the form for review. 
• You may receive an instant message that reviewing will take a few days. 

6. Wait for Approval

• For the approval, once you get approved, the card will be mailed to you within 7-10 business days. 
• If any additional information is required, the bank will contact you directly. 

By following these simple steps, one can easily apply for the best metal credit cards with no annual fee.

Final Thoughts

If you are planning to have the best metal credit cards with no annual fee in 2025 is not a gimmick. Metal cards are available and can be a solid choice if they align with your regular habits. However, it is important to understand, when you are picking a metal card for yourself, remember to go for the card that aligns with your everyday purchasing habits. 

Like, if you regularly shop with Apple or partner merchants, choosing Apple could be an ideal choice for you. Without knowing or planning, you could choose a card randomly could affect your savings. Also, don’t pick a card just because it is metal; always compare rewards, cost, and spending patterns. These simple but effective point helps you to grab the best deal.

Discalimer

The information provided on this website is for general guidance on credit cards, loans, and insurance products. We do not provide financial, legal, or professional advice. Product features, eligibility, and terms may change anytime, so users should verify details directly with the provider before applying. We may earn commissions through affiliate links, but this does not influence our reviews or recommendations. Users are responsible for their own financial decisions based on their personal situation.

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Hi, my name is Sachin. I am currently studying Economics in college and have a strong interest in personal finance topics like credit cards and loans. Along with my studies, I work as a content writer, where I create educational and easy-to-understand content to help readers better understand financial topics and make informed choices.