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Metal credit cards have become fairly common, especially among higher-end (high fee) credit card products. However, metal debit cards aren't nearly as prevalent.
There are some good reasons for this, most notably because metal cards cost a lot of money to produce, relative to standard plastic cards. And unlike credit cards, where the user often pays an interest rate of 20% or more on balances, debit card spending generally isn't a major profit center for banks.
Even so, there are a few checking and savings accounts, mainly offered by investment and personal finance apps, that offer metal debit cards. These typically require a one-time fee or a certain monthly subscription fee, but if you're looking for a metal debit card, here's where you can find one.
A metal debit card is a payment card made of one or more different metals that is linked to the user's checking or savings account.
Metal debit cards generally have the same functionality of standard plastic debit cards, but they can be more aesthetically pleasing, are far more durable, and often come with account types and membership plans that have higher interest rates and more perks.
Metal debit cards are relatively expensive to produce, so most banks don't offer them. And those that do often recoup the cost by either charging a one-time fee for the card itself, or a subscription to a certain membership plan.
Revolut
Revolut offers an impressive suite of banking features, including several geared specifically at travelers. This includes currency exchange and travel insurance. Customers can also earn cash back on debit card purchases and enjoy no foreign transaction fees abroad. But those who want access to all these features have to get comfortable paying a monthly fee.
Revolut is a money management app that has a ton of features, and one of those is a high-yield savings account that offers a metal debit card. The account offers no-surcharge ATM withdrawals, early paycheck access, and several unique travel-related perks like currency exchange capabilities and baggage insurance.
Not only is the Revolut debit card made of metal, but it has an excellent cash back rewards program that is rather unique among debit cards. The biggest drawback is that the metal card is only available at the top-tier $16.99 monthly subscription level. However, this level does unlock some additional perks.
Cash App isn't technically a bank, as its debit cards are issued by a third party. But for a fee of $50, users can choose to get a metal Cash App Card linked to their account, known as the Chameleon Card.
Cash App allows users to send and receive money from friends and family, pay for purchases, directly deposit paychecks, and more.
Cash App's savings account offers an interest rate, and for customers who directly deposit their paychecks, the rate is competitive with the top high-yield savings accounts.
Popular investment app Acorns offers the Mighty Oak Card, which is a debit card that is not only made of matte black tungsten, but is engraved with the customer's actual signature. It links to both checking and savings account products, and has excellent APYs that rival our top online banks.
Acorns is an investment-centered app, so it has unique features such as the ability to automatically invest a piece of each paycheck, and to round up debit transactions to the next dollar to invest your spare change. There is no separate cost for the Mighty Oak Card, but it is only available at Acorns' $6 and $12 subscription tiers.
Make sure you're getting the best account for you by comparing savings rates and promotions. Here are some of our favorite high-yield savings accounts to consider.
| Account | APY | Bonus | Next Steps |
|---|---|---|---|
Open Account for SoFi Checking and Savings
On SoFi's Secure Website.
4.90/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
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We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor |
up to 3.80%
Rate info
Earn up to 3.80% Annual Percentage Yield (APY) on one SoFi Savings account with a 0.70% APY Boost (added to the 3.10% APY as of 5/28/26) for up to 6 months. Open your first SoFi Checking and Savings account and receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 12/31/26. Rates are variable, subject to change. Terms apply at sofi.com/banking#2. SoFi Bank, N.A. Member FDIC.
Min. to earn: $0
|
Earn $50 or $400 and +0.70% Boost on Savings APY with direct deposit. Terms apply.
Earn up to 3.80% Annual Percentage Yield (APY) on one SoFi Savings account with a 0.70% APY Boost (added to the 3.10% APY as of 5/28/26) for up to 6 months. Open your first SoFi Checking and Savings account and receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 12/31/26. Rates are variable, subject to change. Terms apply at sofi.com/banking#2. SoFi Bank, N.A. Member FDIC. |
Open Account for SoFi Checking and Savings
On SoFi's Secure Website. |
Open Account for NexBank High-Yield Savings Account from Raisin
On Raisin's Secure Website.
4.70/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor |
4.15%
Rate info
Earn a guaranteed 4.15% APY for 90 days. After that, your savings keep growing at a competitive standard rate — currently 3.97% APY (subject to change). No minimum account balance required. Deposit or withdraw at any time with no additional fees. See product terms for complete details.
Min. to earn: $1
|
Earn up to $1,200 when you sign up and fund your account using code SUMMER26.¹
|
Open Account for NexBank High-Yield Savings Account from Raisin
On Raisin's Secure Website. |
Open Account for Happen Bank LevelUp Savings
On Happen Bank's Secure Website.
4.70/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor |
4.00% APY with $250+ in monthly deposits
Rate info
*LevelUp Rate of 4.00% APY applied to full balance with $250+ in deposits in Evaluation Period. Otherwise, accounts earn Standard Rate of 3.00% APY. LevelUp Rate applies to first two statement cycles. Rates variable & subject to change at any time. See terms: https://www.happen.com/legal/deposits/levelup-savings-t-and-cs
Min. to earn:
|
N/A
|
Open Account for Happen Bank LevelUp Savings
On Happen Bank's Secure Website. |
¹New customers only. Earn a cash bonus (the "Base Bonus") when you deposit and maintain funds with partner banks on the Raisin platform. Customers will receive a Base Bonus of $50 for depositing between $10,000 and $24,999; $125 for depositing between $25,000 and $49,999; $250 for depositing between $50,000 and $99,999; $500 for depositing between $100,000 and $199,999; and $1,000 for depositing $200,000 or more.
Customers may earn an additional bonus by setting up a recurring deposit within 14 days of their initial deposit (the “Recurring Deposit Bonus”). To qualify, the recurring deposit must be established within 14 days of the initial deposit date and it must execute at least two (2) times within 90-days of the initial deposit. Recurring Deposit Bonus eligibility is determined by your Base Bonus tier:
Customers are eligible to earn the Recurring Deposit Bonus associated with their Base Bonus tier or any lower Recurring Deposit Bonus tier. For example, a customer with an initial deposit of $200,000 (qualifying for the highest Base Bonus tier) whose aggregate recurring deposits total $500, is eligible for the lower tier and will receive the $50 Recurring Deposit Bonus. However, setting up a recurring deposit greater than your Base Bonus tier's required threshold will not qualify you for a higher Recurring Deposit Bonus.
The Recurring Deposit Bonus is paid in addition to the Base Bonus. To qualify for the Base Bonus and Recurring Deposit Bonus, your first deposit must be initiated between June 1, 2026, and August 31, 2026, by 11:59 PM ET, and the promo code SUMMER26 must be entered at the time of sign-up. Only funds deposited within 14 days of the initial deposit date and maintained with partner banks on the Raisin platform for 90 days will be eligible for the Base Bonus. Bonus cash will be credited directly to your Cash Account within 30 days of meeting all qualifying terms. This offer is available to new customers only and may not be combined with any other bonus offers. Raisin may modify or end this offer at any time and may withhold or revoke bonuses in cases of fraud, abuse, or violation of these terms or Raisin’s Terms of Service.
The obvious answer is that metal debit and credit cards have somewhat of a "wow factor," as they are noticeably heavier and more luxurious-looking than standard plastic cards. But it's important to note that there are some practical reasons people want a metal debit card as well, like durability.
Beyond the card itself, many metal cards come with exclusive benefits, so this can also be a motivating factor.. As mentioned, metal debit cards typically require a one-time fee or a monthly subscription plan, but these costs may also unlock certain perks and benefits that aren't available to the bank's general customers.
It's also worth noting that choosing the right checking account for you is about more than just getting a certain type of debit card, so it's not necessarily a good idea to confine your search to only banks that offer them. There are some excellent checking account deals and bonuses in the industry right now, so that could be a good place to start your search.
With the metal debit cards on this list, there aren't really any special qualifications. This is in contrast to credit cards, where metal credit cards are typically reserved for credit card types that have high annual fees, strict credit requirements, or both.
On the other hand, metal debit cards are usually designed to make a certain bank or checking/savings account more attractive to prospective customers. There may be specific requirements when it comes to a metal debit card, including paying an additional fee or agreeing to a higher-priced subscription plan.
Yes, metal debit cards are designed to work in ATMs, and if they have a major payment network's logo on them (such as Visa or Mastercard), they are also designed to work at point-of-sale terminals just like standard plastic cards. Having said that, there are some payment terminals that aren't compatible with metal cards, and these are usually clearly labeled.
Metal debit cards are significantly less common than metal credit cards. Only a few banks offer them, and none of the major U.S. financial institutions offer them at this time. There are some banks that pair metal cards with checking or savings accounts, but it's important to note that this isn't common.
Metal cards can be made of a variety of materials, including stainless steel, titanium, brass, copper, tungsten, or palladium. Some "metal cards" are actually a combination of plastic and metal. The point is that there is no standard metal that is used to make metal payment cards, and there are several different types that make good candidates. Some are chosen to achieve a specific look, or to attain a desired weight of the card itself.
Motley Fool Stock Disclosures
Matt Frankel has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends Mastercard and Visa. The Motley Fool has a disclosure policy.
