"Recently, a Reddit user asked what the point of these metal cards is. The Reddit user commented, "Never really understood the hype about metal cards," and asked others what they felt the benefits were. The poster admitted that he liked the thickness and feel of the card, but didn't know if it had actual benefits like protecting the chip inside or if there was any actual reason why the cards would be made of this material."
"Metal cards first debuted in 1999 when the American Express Centurion card was released as a metal card. This card is better known as the AMEX Black Card, and it is one of the most prestigious of all cards, as it's available only to big spenders and by invitation only. Metal cards became a symbol of luxury and status with the release of that card, and now other cards are being made of metal as well for those who also want a status symbol."
Metal credit cards originated with the 1999 American Express Centurion and have since become associated with luxury and prestige. Many metal cards carry higher annual fees and provide enhanced cardmember benefits targeted at higher spenders. The heavier, thicker construction appeals to tactile preferences and status signaling more than to functional advantages. Metal construction can increase durability, but typical cards rarely wear out before expiration, making durability a minor practical benefit. The primary appeal of metal cards is psychological and symbolic, reflecting perceived exclusivity rather than substantial technical superiority.
Read at 24/7 Wall St.
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