The content is accurate at the time of publication and is subject to change.

Steel or metal credit cards are not different from plastic credit cards, except that they are made of metal, not plastic. Say you have a plastic card and the issuer offers a metal version of your card. So if you switch your card to the metal version, the card terms will stay the same.

However, since most metal credit cards are designed for people with perfect credit, they can offer more benefits, including luxury perks. Many luxury credit cards are metal credit cards too. And luxury cards can come with higher credit limits and offer better rewards (including protections, insurances, and VIP services).

As for the interest rates, they usually depend on your credit score and creditworthiness. So the better your credit is, the lower APR you can get. Just keep in mind that with all the benefits, metal credit cards can charge high annual fees.

tags : Premium Credit Cards

Disclaimer: This editorial content is not provided or commissioned by the credit card issuer(s). Opinions expressed here are the author's alone, not those of the credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the credit card issuer(s). Reasonable efforts are made to present accurate information, however all information is presented without warranty. Consult a card's issuing bank for the terms & conditions.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.