Proliferation and Accessibility
Metal credit cards, once exclusive to the wealthy, have become more accessible to the mass market, with offerings catering to a wide range of consumers from the ultra-wealthy to the average user.
The aesthetic and material exclusivity of metal cards, such as the Centurion Black Card from , has diminished with the increase in similar offerings from other issuers like Chase and .
Practical Drawbacks
Despite their allure, metal credit cards come with drawbacks such as increased weight, potential to set off metal detectors, and challenges in disposal, which can add inconvenience for users.
The perception of exclusivity and status associated with metal cards is often undermined by the prevalence of mobile wallets and the lack of unique high-end offerings in some cards, questioning their value beyond aesthetics.