Top metal debit cards that are stunning and easy to get

If you like the look and feel of metal credit cards but not the annual fees associated with getting one, metal debit cards make a great substitute.

To get a metal debit card, you'll have to open a checking account. As with most checking accounts, you'll be limited to the available account balance when using a metal debit card plus a small monthly maintenance fee.

Metal debit cards carry weight and you'll get a kick out of people's reaction when using one. But only a handful of banks offer metal debit cards.

Here’s a list of our top choices that you can apply directly online.

Top metal debit cards

M1 Finance Spend Account

metal-debit-cardM1 Finance is a popular online stock brokerage that has increased accessibility to investing, especially among a younger crowd. Investing apps allow investors to buy and sell fractional shares. That means instead of paying for a stock that may be out of your budget's reach, investors can purchase small slices of a stock.

If you can afford a cup of coffee, you can invest – and all from the comfort of your mobile phone.

Like most traditional brokerage firms, M1 Finance offers a cash management account that acts as similar to a checking and savings account.

M1 Finance Debit Card

M1 Finance calls its cash management account a Spend Account. The M1 Spend Checking Account offers direct deposit, bill payment, 1% APY interest on account balances, 1% cashback on qualifying purchases plus a metal debit card. You can use your M1 Spend debit card anywhere Visa® is accepted.

Features of the M1 Spend Account

  • Visa metal debit card.
  • Direct deposit.
  • Bill payment.
  • Earn 1% APY interest on account balances when you sign up for the M1 Plus membership.
  • Earn 1% cashback on qualifying purchases.
  • Consolidate your accounts and use M1 for all your money needs: move money between Invest, Borrow and Spend easily.
  • Use your M1 Spend debit card anywhere Visa® is accepted. Plus, choose from five sleek designs with M1 Plus.
  • Get one ATM fee reimbursement per calendar month.
  • The M1 Spend checking account is integrated with the investment account
  • The cash management account is FDIC-insured.

The M1 Finance Spend Account offers two types of checking accounts:

  1. Basic Checking Account – $0 service charge
  2. M1 Plus Membership Checking Account – $125 yearly service charge

M1 Finance combines investing, borrowing, and cash management into one easy-to-use automated platform, so you can manage your money as you see fit. In addition to a stunning metal debit card, M1 Finance has a stunning app with lots of features.


Acorns Spend Account

acorns-metal-debit-card Acorns is an investing app automatically invests your spare change. The Acorns app rounds up all of your debit card purchases to the nearest dollar and then invests that change into a portfolio of exchange-traded funds (ETFs). You can even link a credit card to have that spare change added to your investment portfolio. Everything is done online and automated.

The Acorns Spend account is a checking account and metal debit card that saves and invests for you. The Acorns Spend account saves and invests for you.

Like M1 Finance, the Acorns app allows investors to buy and sell fractional shares.

Acorns Debit Card

Customers will enjoy the reaction the exquisite tungsten metal debit card gets. It's a matte green card with your name engraved.

Acorns calls its cash management account a Spend Account. The Acorns Spend Account offers direct deposit, bill payment, 1% APY interest on account balances, 1% cashback on qualifying purchases plus a metal debit card. You can use your Acorns debit card anywhere Visa® is accepted.

Features of the Acorns Spend Account

  • A tungsten metal, matte green card with your name engraved.
  • Instantly invest your spare change and easily save for retirement.
  • No minimum balance fees or overdraft fees.
  • ATM fee reimbursement.
  • Bonus investments when you shop and money tips on the go.
  • Digital banking with mobile check deposit, check sending, and more.
  • There are no transaction or withdrawal fees for Acorns.
  • Instantly invest spare change and save from no hidden fees with over 55,000 fee-free ATMs nationwide and around the world
  • Smart Deposit built in — automatically set aside money before you spend it
  • Acorns Spend accounts are FDIC insured up to $250,000.

The Acorns Spend Account offers three types of checking accounts:

  1. Acorns Lite: $1/mo. This includes Acorns Invest, the automated investing account.
  2. Acorns Personal: $3/mo. Includes Acorns Invest + Acorns Later IRA + Acorns Spend checking account and debit card.
  3. Acorns Family: $5/mo. Everything above plus Acorns Early. You can add investment accounts for all your kids.

Acorns combines checking and savings plus investment and retirement accounts all in one. You can start saving for your retirement with as little as $5 per month. Set up automated investing with your spar change.Set Recurring Investments and grow faster from reinvested dividends.

Manage your money as you see fit and get the exquisite tungsten metal debit card.

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